Received-SPF: pass (google.com: domain of msprvs1=20592xdhnyegh=bounces-266693-533@s.upgrade.com designates 223.165.122.26 as permitted sender) client-ip=223.165.122.26;
From: "Upgrade" <servicing@s.upgrade.com>
Message-ID: <0E.72.53771.1E5830A6@i-0f2f3bd8c7e158c7b.mta1vrest.sd.prd.sparkpost>
To: tjphuhs@gmail.com
Date: Tue, 12 May 2026 19:56:17 +0000
Content-Type: multipart/alternative; boundary="_----j/iJBpCsVLVl/2PccOQ8Mg===_FC/72-53771-1E5830A6"
MIME-Version: 1.0
Reply-To: email@upgrade.com
Subject: Your Upgrade Monthly Payment is Past Due

--_----j/iJBpCsVLVl/2PccOQ8Mg===_FC/72-53771-1E5830A6
Content-Transfer-Encoding: quoted-printable
Content-Type: text/plain; charset="UTF-8"

Your monthly payment on your account is past due=0A=0A=0A=0A=0A=0A=0A=0A=0A=
=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A      Upgrade     96=0A =0A( https:/=
/link.upgrade.com/f/a/VxPnepX78QRHM3SxzE3nVA~~/AAQRxRA~/teOARP_MOHQGM-UR7kW=
Eg5bAoSt3m-LPH9777PrZtJGhCF-iQqrJq2oEwCNE6rp1kxYlArHiWWOYXHjAzTyef--RpI3FJE=
wThqlN9gCCWa42HbSyMRWrPzTeQZ02Jric9xfJYFnndkB_3cW10Pbv_aj5juZP1x8V43YWLv-BN=
aJZKgAKXAUbSO0JvjJOJgA9jaWwplMQR-fZjakfD6eRRA~~ )=0A            =0A=0A=0A=
=0A=0A=0A=0A=0A=0A=0AHiTimothy,=0AWe are sending you this notice to inform =
you that your account is=0Acurrently 4 days past due in the=0Aamount of $31=
7.36.   Remember that=0Alate payments may result in a late fee per the term=
s of your Loan=0AAgreement and Promissory Note. Please sign in (=0Ahttps://=
link.upgrade.com/f/a/t-7KG76CxOKw5gJho5J6vg~~/AAQRxRA~/GtA5x2fC_4cDtYbPCwCw=
3kqQzr2o3DgmQTH2l2SsPOvFDqFEm8kTIB8eJNeUXjDGKRQlJpALPOkWa6dC6009TtgRwQREbfe=
oYy1STzy9sccoXluPLuPLf9Nl-BX8Yv2D4hvoozlFBhJggVUsoD7abStmbgq_wNyx66rSR6mmCI=
I~=3Futm_source=3Dpl_dpd&utm_medium=3D&utm_campaign=3Dday04&utm_content=3De=
mail_txt=0A) to your account and schedule a payment at your earliest=0Aconv=
enience or give us a call at: (844) 899-9931.=0A=0A=0A=0A=0A=0ASchedule A P=
ayment (=0Ahttps://link.upgrade.com/f/a/PeOgFn-9IKWpb8bSoBMBAA~~/AAQRxRA~/H=
ylPTsyVTlD823nHtUpnIR85EtX2TpPsUSCZMgHYZCJ6-ddIgVFJ_ZUe3bvXTv4J_RKHUGKacboY=
1a-LzMrcr-ttnRoClAGiBTOVW1j9LSMK6vp--RwQZJEzyFSYBI-PgG_rSKxeKI3lLMz5OWnGuNi=
QCOSaJ_v7b4iuXi1Ikk594DJah3SC5brhxUXd2_hQMblYMyHVv7F165bytY_5smWJ8mAVi9XUS-=
X826opbuzF9expKmUzQekk-jBc-3aiXG1vAzEdjEbZReNttJsYiA~~=0A)     =0A=0A  Than=
ks,=0AThe Upgrade Team                  If you have questions, we're=0Ahere=
 to help.    servicing@upgrade.com | (844) 334-3551 (=0Atel:(844)334-3551 )=
    Monday - Friday: 5am - 7pm =E2=80=A2 Weekends: 6am=0A- 5pm PT          =
       =0A=0A=0A IMPORTANT NOTICE: Late=0Apayments, missed payments, or oth=
er defaults on your account will=0Abe reported to the credit bureaus.=0A=0A=
=0A=0A=0A=0A=0A=0A=0A=0A=0A     Please do not reply=0Adirectly to this mess=
age as it was sent from an unattended=0Amailbox.    This email was sent to=
=0Atjphuhs@gmail.com ( # ) based on your=0Acommunication preferences.      =
 Upgrade      Upgrade is located=0Aat 275 Battery Street, 23rd Floor, San F=
rancisco, CA, 94111    =C2=A9=0A2026 Upgrade, Inc. All rights=0Areserved.  =
   Privacy Policy ( https://link.upgrade.com/f/a/KnTze8a_lj1WEsHkwKUIcg~~/A=
AQRxRA~/v-25L1AyiCSKH4b8gX-JMChlfsDI_eFY7m_n40hSsl75sBrGPF-brCKYVUZhMYcF227=
5bykHFQliVIUY8uZ_IMWPr8ooSzDsxuepa_o9p2-ply3Z_6fnbyNVffEDlhQ6 )=0A| Terms o=
f Use =0A( https://link.upgrade.com/f/a/3R9AEdKQ8zclzOC5E8w2Aw~~/AAQRxRA~/q=
-jU-V030XomPqYtNXe8fXsbPByruwS6wuSwyosGkioZwxE5dk5H5O6PCt4Qt3seRCdw5u-kIF4n=
ARb0mdNJIKE6XuKrXjbxjBa4a82bCg5JarU3fAXp6czK8n3aWcPrhONwWvxw_N4lSNL5jxJiA8-=
RnRnJBMHAK5SMbHx2bIQ~ )=0AEqual Housing Lender     =0APL_DPD_DAY04
--_----j/iJBpCsVLVl/2PccOQ8Mg===_FC/72-53771-1E5830A6
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="UTF-8"

<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.=
w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">=0A<html xmlns=3D"http://www.=
w3.org/1999/xhtml" xmlns:o=3D"urn:schemas-microsoft-com:office:office" xmln=
s:v=3D"urn:schemas-microsoft-com:vml">=0A<head>=0A<meta http-equiv=3D"Conte=
nt-Type" content=3D"text/html; charset=3DUTF-8">=0A<style>img {=0Aimage-ren=
dering: auto !important; border: 0; height: auto; outline: none; text-decor=
ation: none;=0A}=0Abody {=0Aheight: 100% !important; margin: 0 auto !import=
ant; padding: 0; width: 100% !important;=0A}=0A.cta_table:hover {=0Abackgro=
und-color: #0A4007 !important;=0A}=0A.cta_table a:hover {=0Acolor: #ffffff =
!important;=0A}=0A.cta_table2:hover {=0Abackground-color: #E9F4E7 !importan=
t;=0A}=0A.cta_table2 a:hover {=0Acolor: #0E680E !important;=0A}=0Aa:hover {=
=0Acolor: #004D99 !important; text-decoration: underline !important;=0A}=0A=
img {=0A-ms-interpolation-mode: bicubic;=0A}=0A.ReadMsgBody {=0Awidth: 100%=
;=0A}=0A.ExternalClass {=0Awidth: 100%;=0A}=0Abody {=0A-ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%;=0A}=0A.ExternalClass {=0Aline-heigh=
t: 100%;=0A}=0A@media only screen and (min-width: 600px) {=0A  .hide-deskto=
p {=0A    display: none !important; mso-hide: all;=0A  }=0A}=0A@media only =
screen and (max-width: 599px) {=0A  .hide-desktop {=0A    display: block !i=
mportant;=0A  }=0A}=0A@media screen and (max-width:550px) {=0A  .w100 {=0A =
   width: 100% !important; max-width: 100% !important;=0A  }=0A  .w100b {=
=0A    width: 50% !important;=0A  }=0A  .w95 {=0A    width: 95% !important;=
 max-width: 95% !important;=0A  }=0A  .w85 {=0A    width: 85% !important; m=
ax-width: 85% !important;=0A  }=0A  .w80 {=0A    width: 80% !important; max=
-width: 80% !important;=0A  }=0A  .w35 {=0A    width: 35% !important; max-w=
idth: 35% !important;=0A  }=0A  .pdRmRgt {=0A    padding-right: 0 !importan=
t;=0A  }=0A  .pdRmAll {=0A    padding-top: 0 !important; padding-right: 0 !=
important; padding-bottom: 0 !important; padding-left: 0 !important;=0A  }=
=0A  .mblPdLR {=0A    padding-left: 20px !important; padding-right: 20px !i=
mportant;=0A  }=0A  .center {=0A    text-align: center !important; margin: =
0px auto;=0A  }=0A  .mbl {=0A    display: block !important; max-height: non=
e !important;=0A  }=0A  .hide-mobile {=0A    display: none;=0A  }=0A  .devi=
ceWidth {=0A    min-width: 100% !important;=0A  }=0A  .partialWidth {=0A   =
 max-width: 45% !important; text-align: center !important;=0A  }=0A  .mblTx=
t {=0A    text-align: center !important;=0A  }=0A}=0A@media screen and (max=
-width:480px) {=0A  .w100 {=0A    width: 100% !important; max-width: 100% !=
important;=0A  }=0A  .w100b {=0A    width: 50% !important;=0A  }=0A  .w95 {=
=0A    width: 95% !important; max-width: 95% !important;=0A  }=0A  .w85 {=
=0A    width: 85% !important; max-width: 85% !important;=0A  }=0A  .w80 {=
=0A    width: 80% !important; max-width: 80% !important;=0A  }=0A  .w35 {=
=0A    width: 35% !important; max-width: 35% !important;=0A  }=0A  .pdRmRgt=
 {=0A    padding-right: 0 !important;=0A  }=0A  .pdRmAll {=0A    padding-to=
p: 0 !important; padding-right: 0 !important; padding-bottom: 0 !important;=
 padding-left: 0 !important;=0A  }=0A  .mblPdLR {=0A    padding-left: 20px =
!important; padding-right: 20px !important;=0A  }=0A  .center {=0A    text-=
align: center !important; margin: 0px auto;=0A  }=0A  .mbl {=0A    display:=
 block !important; max-height: none !important;=0A  }=0A  .hide-mobile {=0A=
    display: none;=0A  }=0A  .deviceWidth {=0A    min-width: 100% !importan=
t; text-align: center !important;=0A  }=0A  .partialWidth {=0A    max-width=
: 45% !important; text-align: center !important;=0A  }=0A  .mblTxt {=0A    =
text-align: center !important;=0A  }=0A}=0A@media screen and (max-width:410=
px) {=0A  .mblLft {=0A    text-align: left !important;=0A  }=0A  .w100b {=
=0A    width: 100% !important;=0A  }=0A  .mbl_txt_link {=0A    font-size: 1=
2px !important;=0A  }=0A  .mbl_text_cs {=0A    font-size: 14px !important;=
=0A  }=0A  .hide-mobile {=0A    display: none;=0A  }=0A  .deviceWidth {=0A =
   min-width: 100% !important; text-align: center !important;=0A  }=0A  .pa=
rtialWidth {=0A    max-width: 45% !important; text-align: center !important=
;=0A  }=0A  .mblTxt {=0A    text-align: center !important;=0A  }=0A  .cente=
r {=0A    text-align: center !important; margin: 0px auto;=0A  }=0A}=0A@med=
ia screen and (max-width:375px) {=0A  .mbl_txt_link {=0A    font-size: 12px=
 !important; display: none !important;=0A  }=0A  .cta_table {=0A    width: =
90% !important;=0A  }=0A  .hide-mobile {=0A    display: none;=0A  }=0A  .de=
viceWidth {=0A    min-width: 100% !important; text-align: center !important=
;=0A  }=0A  .partialWidth {=0A    max-width: 45% !important; text-align: ce=
nter !important;=0A  }=0A  .mblTxt {=0A    text-align: center !important;=
=0A  }=0A  .center {=0A    text-align: center !important; margin: 0px auto;=
=0A  }=0A}=0A@media screen and (max-width:325px) {=0A  .mbl_txt_link {=0A  =
  font-size: 10px !important; display: none !important;=0A  }=0A  .hide-mob=
ile {=0A    display: none;=0A  }=0A  .deviceWidth {=0A    min-width: 100% !=
important; text-align: center !important;=0A  }=0A  .partialWidth {=0A    m=
ax-width: 45% !important; text-align: center !important;=0A  }=0A  .mblTxt =
{=0A    text-align: center !important;=0A  }=0A  .center {=0A    text-align=
: center !important; margin: 0px auto;=0A  }=0A}=0A</style>=0A</head>=0A<bo=
dy style=3D"height: 100% !important; width: 100% !important; -ms-text-size-=
adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0 auto; padding: 0;">=
=0A<div style=3D"display:none !important;visibility:hidden;mso-hide:all;fon=
t-size:1px;color:#ffffff;line-height:1px;max-height:0px;max-width:0px;opaci=
ty:0;overflow:hidden;">Your monthly payment on your account is past due</di=
v>=0A<div style=3D"display:none !important;visibility:hidden;mso-hide:all;f=
ont-size:1px;color:#ffffff;line-height:1px;max-height:0px;max-width:0px;opa=
city:0;overflow:hidden;">=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F=
 =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=
=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=
=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=
=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=
=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=
=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=
=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=
=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=
=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=
=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=
=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=
=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=
=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=
=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=
=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=
=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=
=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=
=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=
=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=
=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=
=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=
=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=
=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=
=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=
=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=
=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=
=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=
=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=
=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=
=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=
=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=
=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=
=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=
=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=
=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=
=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=
=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=
=8C =C2=A0 =E2=80=87 =EF=BB=BF </div>=0A<span style=3D"font-size: 0px; line=
-height: 1;">=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=
=0A=0A=0A=09=0A=0A  =0A</span>=0A=0A<meta http-equiv=3D"Content-Type" conte=
nt=3D"text/html; charset=3Dutf-8">=0A<meta name=3D"viewport" content=3D"wid=
th=3Ddevice-width, initial-scale=3D1.0">=0A<!--[if !mso]><!-->=0A<meta http=
-equiv=3D"X-UA-Compatible" content=3D"IE=3Dedge">=0A<!--<![endif]-->=0A<tit=
le>Upgrade</title>=0A=0D=0A<!--[if gte mso 9]><xml>=0D=0A  <o:OfficeDocumen=
tSettings>=0D=0A  <o:AllowPNG/>=0D=0A  <o:PixelsPerInch>96</o:PixelsPerInch=
>=0D=0A  </o:OfficeDocumentSettings>=0D=0A  </xml><![endif]-->=0A=0A=0A=0A=
=0A<!--PREHEADER STARTS HERE-->=0A<table border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-l=
space: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%;">=0A  <tbody>=0A    <tr>=0A      <td class=3D"bg_second=
ary" style=3D"font-size: 1px; line-height: 0px; max-height: 0px; max-width:=
 0px; opacity: 0; overflow: hidden; display: none; mso-line-height-rule: ex=
actly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=
=3D"left" bgcolor=3D"#F6F6F9">&nbsp;</td>=0A    </tr>=0A  </tbody>=0A</tabl=
e>=0A=0A<!--ALL CONTENT STARTS HERE--> =0A=0A<!--HEADER STARTS HERE-->=0A<t=
able class=3D"bg_secondary mbl" align=3D"center" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" style=3D"width: 100%; min-width: 100% !important; =
border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -m=
s-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#F6F6=
F9">=0A  <tbody>=0A  =0A  <tr>=0A    <td class=3D"bg_secondary" style=3D"fo=
nt-size: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%;" bgcolor=3D"#F6F6F9">&nbsp;</td>=0A    <td alig=
n=3D"center" style=3D"width: 600px; mso-line-height-rule: exactly; -ms-text=
-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign=3D"top">=0A<tab=
le border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"mblHeader" sty=
le=3D"width: 100%; min-width: 90% !important; border-collapse: collapse; ms=
o-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%;">=0A        <tbody>=0A          <tr>=0A       =
     <td align=3D"center" valign=3D"top" style=3D"mso-line-height-rule: exa=
ctly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table b=
order=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 90%; border=
-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text=
-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0A                <tb=
ody>=0A                  <tr>=0A                    <td style=3D"font-size:=
 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%; padding: 15px 0px 10px;" valign=3D"top"><table border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-col=
lapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;">=0A                       =
 <tbody>=0A                          <tr>=0A                            <td=
 align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-size-adj=
ust: 100%; -webkit-text-size-adjust: 100%;">=0A<span style=3D"font-size: 0p=
x; line-height: 1;">=0A  =0A</span>=0A<table border=3D"0" cellpadding=3D"0"=
 cellspacing=3D"0" class=3D"mblHeader" style=3D"width: 100%; max-width: 600=
px; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 90=
% !important;">=0A    <tbody>=0A      <tr>=0A        <td align=3D"center" v=
align=3D"top" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust:=
 100%; -webkit-text-size-adjust: 100%;"><table border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-t=
able-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webki=
t-text-size-adjust: 100%;">=0A            <tbody>=0A              <tr>=0A  =
              <td style=3D"font-size: 0; mso-line-height-rule: exactly; -ms=
-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;" val=
ign=3D"top"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=
=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"=
>=0A                    <tbody>=0A                      <tr>=0A            =
            <td align=3D"center" valign=3D"middle" style=3D"mso-line-height=
-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;=
"><a alias=3D"upgrade_logo" href=3D"https://link.upgrade.com/f/a/VxPnepX78Q=
RHM3SxzE3nVA~~/AAQRxRA~/teOARP_MOHQGM-UR7kWEg5bAoSt3m-LPH9777PrZtJGhCF-iQqr=
Jq2oEwCNE6rp1kxYlArHiWWOYXHjAzTyef--RpI3FJEwThqlN9gCCWa42HbSyMRWrPzTeQZ02Jr=
ic9xfJYFnndkB_3cW10Pbv_aj5juZP1x8V43YWLv-BNaJZKgAKXAUbSO0JvjJOJgA9jaWwplMQR=
-fZjakfD6eRRA~~" style=3D"font-family: Graphik, Helvetica, Arial, sans-seri=
f; text-align: center; font-size: 20px; color: #00AF6A; text-decoration: no=
ne; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%;"><img alt=3D"&nbsp;" border=3D"0" height=3D"33" src=3D"=
https://braze-images.com/appboy/communication/assets/image_assets/images/63=
348ce6db77c73d707010e4/original.png=3F1664388326" style=3D"outline: 0px; wi=
dth: 144px; height: auto; font-family: Graphik, Helvetica, Arial, sans-seri=
f; font-size: 24px; color: rgb(0, 175, 106); image-rendering: auto !importa=
nt; text-decoration: none; -ms-interpolation-mode: bicubic; padding: 0px; b=
order-width: 0px;" title=3D"logo" width=3D"144" class=3D"center"></a></td>=
=0A                      </tr>=0A                    </tbody>=0A           =
       </table></td>=0A              </tr>=0A            </tbody>=0A       =
   </table></td>=0A      </tr>=0A    </tbody>=0A</table>=0A<!-- X-250ok-CID=
: upgrade_pl_payment_dpd_day04-->=0A  =0A<span style=3D"font-size: 0px; lin=
e-height: 0;">=0A  =0A  =0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=
=0A=0A</span>=0A</td>=0A                          </tr>=0A                 =
       </tbody>=0A                      </table></td>=0A                  <=
/tr>=0A                </tbody>=0A              </table></td>=0A          <=
/tr>=0A        </tbody>=0A      </table>=0A      =0A      <!--PRIMARY CONTE=
NT-->=0A      =0A      <table border=3D"0" cellpadding=3D"0" cellspacing=3D=
"0" style=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt;=
 mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjus=
t: 100%;" bgcolor=3D"#ffffff">=0A        <tbody>=0A        =0A        <tr>=
=0A          <td align=3D"center" style=3D"mso-line-height-rule: exactly; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 40px 0p=
x 30px;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"w=
idth: 90%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspa=
ce: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0A  =
            <tbody>=0A                <tr>=0A                  <td class=3D=
"body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: =
16px; line-height: 24px; color: #686C78; mso-line-height-rule: exactly; -ms=
-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;" ali=
gn=3D"left">=0A<span style=3D"font-size: 0px; line-height: 1; display: none=
;"></span>Hi <span style=3D"word-break: keep-all;">Timothy</span>,</td>=0A =
               </tr>=0A                <tr>=0A                  <td class=
=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-siz=
e: 16px; line-height: 24px; color: #686C78; mso-line-height-rule: exactly; =
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 0=
px 0px;" align=3D"left">We are sending you this notice to inform you that y=
our account is currently 4 days past due in the amount of $317.36.</td>=0A =
               </tr>=0A                <tr>=0A                  <td class=
=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-siz=
e: 16px; line-height: 24px; color: #686C78; mso-line-height-rule: exactly; =
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 0=
px 20px;" align=3D"left">Remember that late payments may result in a late f=
ee per the terms of your Loan Agreement and Promissory Note. Please <a alia=
s=3D"Schedule A Payment" href=3D"https://link.upgrade.com/f/a/o6qpNNLa7a_Vs=
cs9XCft_A~~/AAQRxRA~/OdZ_ak5kVH1Sww3i3Ihk8hpPnv29ILc8V7dw0DpPCOgGNzBOhEZmUh=
H7v7y25fWqkGYBMlLfNe1dS8RwAkgatOJ6SoMbMy-8krWkFb5dIVSOHZurB9NQlREfUVXS9c0Wl=
LwT0_xUPrg87CullPHSKrPcXlQjCfQy-JsfVL6aYwrKDDKVwgQMvFxOgcHOzbcooaJPc209n4B9=
Z6U4T6TSlYxMmAhh7ACVOq04itaq7O3myf8joPYPSJD5AP1GlCIv" style=3D"color: #1F63=
D2; text-decoration: underline; mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;">sign in</a> to your accoun=
t and schedule a payment at your earliest convenience or give us a call at:=
 <b>(844) 899-9931</b>.</td>=0A                </tr>=0A              <span =
style=3D"font-size: 0px; line-height: 1;">=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A</s=
pan>=0D=0A=0D=0A=0D=0A=0D=0A<tr>=0D=0A  <td valign=3D"top" align=3D"center"=
 width=3D"515" style=3D"font-family: Graphik, Helvetica, Arial, serif; font=
-size: 16px; line-height: 24px; color: #ffffff !important; mso-line-height-=
rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; =
padding: 0px;">=0A<!--/BUTTON STARTS HERE-->=0D=0A      <table align=3D"cen=
ter" class=3D"cta_table" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" s=
tyle=3D"width: 275px; border-collapse: separate; -webkit-border-radius: 8px=
; -moz-border-radius: 8px; border-radius: 8px; mso-table-lspace: 0pt; mso-t=
able-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100=
%; border: 2px solid #0E680E;" bgcolor=3D"#0E680E">=0D=0A          <tr>=0D=
=0A              <td height=3D"45" style=3D"height: 40px; color: #ffffff; m=
so-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size=
-adjust: 100%;" valign=3D"middle" align=3D"center"><a alias=3D"" href=3D"ht=
tps://link.upgrade.com/f/a/PeOgFn-9IKWpb8bSoBMBAA~~/AAQRxRA~/HylPTsyVTlD823=
nHtUpnIR85EtX2TpPsUSCZMgHYZCJ6-ddIgVFJ_ZUe3bvXTv4J_RKHUGKacboY1a-LzMrcr-ttn=
RoClAGiBTOVW1j9LSMK6vp--RwQZJEzyFSYBI-PgG_rSKxeKI3lLMz5OWnGuNiQCOSaJ_v7b4iu=
Xi1Ikk594DJah3SC5brhxUXd2_hQMblYMyHVv7F165bytY_5smWJ8mAVi9XUS-X826opbuzF9ex=
pKmUzQekk-jBc-3aiXG1vAzEdjEbZReNttJsYiA~~" =3D"" style=3D"display: block; f=
ont-size: 16px; line-height: 24px; font-family: Graphik, Helvetica, Arial, =
sans-serif; font-weight: 500; color: #ffffff !important; text-decoration: n=
one !important; letter-spacing: 0.5px; mso-line-height-rule: exactly; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px;"><!--=
[if mso]>&nbsp;&nbsp;&nbsp;<![endif]-->Schedule A Payment<!--[if mso]>&nbsp=
;&nbsp;&nbsp;<![endif]--></a></td>=0D=0A          </tr>=0D=0A      </table>=
=0D=0A  </td>=0D=0A</tr>=0D=0A=0D=0A=0D=0A=0D=0A=0A=0A                   =
=0A              <tr>=0A                <td class=3D"body1" style=3D"font-f=
amily: Graphik, Helvetica, Arial, serif; font-size: 16px; line-height: 24px=
; color: #686C78; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%=
; -webkit-text-size-adjust: 100%; padding: 20px 0px 0px;" align=3D"left">Th=
anks,<br>=0A                  The Upgrade Team </td>=0A              </tr>=
=0A=0A              </tbody>=0A              =0A            </table></td>=
=0A        </tr>=0A        </tbody>=0A        =0A      </table>=0A      =0A=
      <!--CONTACT US OR DOWNLOAD -->=0A      =0A      <table border=3D"0" c=
ellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: c=
ollapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%;">=0A        <tbody>=0A          <tr=
>=0A            <td align=3D"center" style=3D"mso-line-height-rule: exactly=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;=
"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 1=
00%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0p=
t; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0A        =
        <tbody>=0A                  <tr>=0A                    <td class=3D=
"body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: =
16px; line-height: 24px; color: #686C78; mso-line-height-rule: exactly; -ms=
-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;" ali=
gn=3D"center">   <table class=3D"bg_strong" align=3D"center" border=3D"0" c=
ellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; max-width: 600px !=
important; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspa=
ce: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcol=
or=3D"#EAECF0">    =0D=0A     <tr>=0D=0A      <td class=3D"mbl_text_cs body=
1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 16px;=
 line-height: 24px; color: #686C78; mso-line-height-rule: exactly; -ms-text=
-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 30px 0px 0px;"=
 align=3D"center">If you have questions, we're here to help.</td>=0D=0A    =
 </tr>=0D=0A     <tr>=0D=0A      <td class=3D"mbl_text_cs body1" style=3D"f=
ont-family: Graphik, Helvetica, Arial, serif; font-size: 16px; line-height:=
 24px; color: #686C78; mso-line-height-rule: exactly; -ms-text-size-adjust:=
 100%; -webkit-text-size-adjust: 100%; padding: 3px 0px 0px;" align=3D"cent=
er">=0A<a href=3D"mailto:servicing@upgrade.com" style=3D"text-decoration: u=
nderline; vertical-align: top; display: inline-block; color: #1F63D2; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%;">servicing@upgrade.com</a> | <a rel=3D"nonopener" target=3D"_bla=
nk" alias=3D"support call" href=3D"tel:(844)334-3551" style=3D"text-decorat=
ion: none; color: #1F63D2; mso-line-height-rule: exactly; -ms-text-size-adj=
ust: 100%; -webkit-text-size-adjust: 100%;">(844) 334-3551</a>=0A</td>=0D=
=0A     </tr>=0D=0A     <tr>=0D=0A      <td class=3D"mbl_text_cs body1" sty=
le=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 16px; line-=
height: 24px; color: #686C78; mso-line-height-rule: exactly; -ms-text-size-=
adjust: 100%; -webkit-text-size-adjust: 100%; padding: 3px 0px 30px;" align=
=3D"center">Monday - Friday: 5am - 7pm =E2=80=A2 Weekends: 6am - 5pm PT</td=
>=0D=0A     </tr>    =0D=0A   </table>=0A</td>=0A                  </tr>=0A=
                </tbody>=0A              </table></td>=0A          </tr>=0A=
        </tbody>=0A      </table>=0A      =0A      <!--FOOTER STARTS HERE--=
>=0A      =0A      <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso=
-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 1=
00%;" bgcolor=3D"#ffffff">=0A        <tbody>=0A          <tr>=0A           =
 <td align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-size=
-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 20px 0px 5px;"><tab=
le border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 90%; bo=
rder-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-=
text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0A               =
 <tbody>=0A                  <tr>=0A                    <td class=3D"body3"=
 colspan=3D"3" style=3D"font-family: Graphik, Helvetica, Arial, serif; font=
-size: 12px; line-height: 16px; color: #686C78; mso-line-height-rule: exact=
ly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10=
px 0px 0px;" align=3D"left">=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A  IMPORTANT=
 NOTICE: Late payments, missed payments, or other defaults on your account =
will be reported to the credit bureaus.=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A<br><b=
r>=0D=0A=0D=0A=0D=0A=0D=0A=0A                    </td>=0A                  =
</tr>=0A                  <tr>=0A                    <td class=3D"body3" st=
yle=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 12px; line=
-height: 16px; color: #686C78; mso-line-height-rule: exactly; -ms-text-size=
-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" alig=
n=3D"left">=0A<span style=3D"display: none; font-size: 0px; line-height: 0;=
"> =0D=0A=0D=0A=0D=0A=0D=0A </span> =0D=0A  =0D=0A<table align=3D"center" b=
order=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; max-w=
idth: 600px; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rs=
pace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgc=
olor=3D"#ffffff">=0D=0A  <tr>=0D=0A    <td align=3D"center" style=3D"mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%; padding: 5px 0px 0px;"><table border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" style=3D"width: 100%; border-top-width: 1px; border-top-color=
: #ececec; border-top-style: solid; border-collapse: collapse; mso-table-ls=
pace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%;">=0D=0A        <tr>=0D=0A          <td style=3D"font-fam=
ily: Graphik, Helvetica, Arial, sans-serif; font-weight: bold; font-size: 1=
2px; line-height: 16px; mso-line-height-rule: exactly; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%; padding: 15px 0px 0px;" align=3D"ce=
nter">Please do not reply directly to this message as it was sent from an u=
nattended mailbox. </td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A        =
  <td style=3D"font-family: Graphik, Helvetica, Arial, sans-serif; font-siz=
e: 12px; line-height: 16px; mso-line-height-rule: exactly; -ms-text-size-ad=
just: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=
=3D"center">This email was sent to <a href=3D"#" class=3D"disabled-link" st=
yle=3D"font-family: Helvetica, Arial, sans-serif; font-size: 12px; color: #=
37383A; text-decoration: none; cursor: none !important; mso-line-height-rul=
e: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" al=
ias=3D"user_email">tjphuhs@gmail.com</a> based on your communication prefer=
ences. </td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td class=
=3D"body3" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-siz=
e: 12px; line-height: 16px; color: #686C78; mso-line-height-rule: exactly; =
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0=
px 0px;" align=3D"center"><table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0=
pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%;">=0D=0A              <tbody>=0D=0A                <tr>=0D=0A   =
               <td align=3D"center" style=3D"mso-line-height-rule: exactly;=
 -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"=
><img src=3D"https://braze-images.com/appboy/communication/assets/image_ass=
ets/images/64a74a9cc06c460050dbcfc2/original.png=3F1688685212" alt=3D"Upgra=
de" title=3D"Upgrade" border=3D"0" width=3D"120" height=3D"auto" style=3D"w=
idth: 120px; height: auto; image-rendering: auto !important; outline: none;=
 text-decoration: none; -ms-interpolation-mode: bicubic; border-width: 0;">=
</td>=0D=0A                </tr>=0D=0A              </tbody>=0D=0A         =
   </table></td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td st=
yle=3D"font-family: Graphik, Helvetica, Arial, sans-serif; font-size: 12px;=
 line-height: 16px; color: #37383A; mso-line-height-rule: exactly; -ms-text=
-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0 0;" ali=
gn=3D"center">Upgrade is located at 275 Battery Street, 23rd Floor, San Fra=
ncisco, CA, 94111</td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          =
<td style=3D"font-family: Graphik, Helvetica, Arial, sans-serif; font-size:=
 12px; line-height: 16px; mso-line-height-rule: exactly; -ms-text-size-adju=
st: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"=
center">=0A<span class=3D"goomoji">=C2=A9</span> 2026 Upgrade, Inc. All rig=
hts reserved. </td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td=
 style=3D"padding-top: 10px; font-family: Graphik, Helvetica, Arial, sans-s=
erif; font-size: 12px; line-height: 16px; color: #37383A; mso-line-height-r=
ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" =
align=3D"center">=0A<a alias=3D"cta3_txt_privacy" href=3D"https://link.upgr=
ade.com/f/a/KnTze8a_lj1WEsHkwKUIcg~~/AAQRxRA~/v-25L1AyiCSKH4b8gX-JMChlfsDI_=
eFY7m_n40hSsl75sBrGPF-brCKYVUZhMYcF2275bykHFQliVIUY8uZ_IMWPr8ooSzDsxuepa_o9=
p2-ply3Z_6fnbyNVffEDlhQ6" style=3D"font-family: Helvetica, Arial, sans-seri=
f; font-size: 12px; color: #37383A; text-decoration: underline; mso-line-he=
ight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 1=
00%;">Privacy Policy</a> &nbsp;&nbsp;|&nbsp;&nbsp; <a alias=3D"cta3_txt_ter=
ms" href=3D"https://link.upgrade.com/f/a/3R9AEdKQ8zclzOC5E8w2Aw~~/AAQRxRA~/=
q-jU-V030XomPqYtNXe8fXsbPByruwS6wuSwyosGkioZwxE5dk5H5O6PCt4Qt3seRCdw5u-kIF4=
nARb0mdNJIKE6XuKrXjbxjBa4a82bCg5JarU3fAXp6czK8n3aWcPrhONwWvxw_N4lSNL5jxJiA8=
-RnRnJBMHAK5SMbHx2bIQ~" style=3D"font-family: Helvetica, Arial, sans-serif;=
 font-size: 12px; color: #37383A; text-decoration: underline; mso-line-heig=
ht-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100=
%;">Terms of Use</a>=0A</td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A    =
      <td align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text=
-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;"=
><img src=3D"https://braze-images.com/appboy/communication/assets/image_ass=
ets/images/62c712c2931f9e0069af31f2/original.png=3F1657213634" alt=3D"Equal=
 Housing Lender" title=3D"Equal Housing Lender" border=3D"0" style=3D"image=
-rendering: auto !important; height: auto; outline: none; text-decoration: =
none; -ms-interpolation-mode: bicubic; border-width: 0;"></td>=0D=0A       =
 </tr>=0D=0A      </table></td>=0D=0A  </tr>=0D=0A</table>=0D=0A</td>=0A   =
               </tr>=0A                  <tr>=0A                    <td cla=
ss=3D"body3" style=3D"color: #ffffff; font-family: Graphik, Helvetica, Aria=
l, serif; font-size: 12px; line-height: 16px; mso-line-height-rule: exactly=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px=
 0px 0px;" align=3D"left">PL_DPD_DAY04</td>=0A                  </tr>=0A   =
             </tbody>=0A              </table></td>=0A          </tr>=0A   =
     </tbody>=0A      </table>=0A</td>=0A    <td class=3D"bg_secondary" sty=
le=3D"font-size: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#F6F6F9">&nbsp;</td>=0A  </=
tr>=0A  </tbody>=0A  =0A</table>=0A<custom name=3D"opencounter" type=3D"tra=
cking"></custom>=0A=0A=0D=0A<img border=3D"0" width=3D"1" height=3D"1" alt=
=3D"" src=3D"https://link.upgrade.com/q/WKHYfY_d4tWnU7zFW7c7Ag~~/AAQRxRA~/6=
_5Z57MOavGp1nIw5ITdtUfAK1cqh818bp1gWEyB_dlUhzWy1nyoKouA2Fduvme9GWMkqTsc2A7L=
R-nKK7FSVw~~">=0D=0A</body>=0A</html>
--_----j/iJBpCsVLVl/2PccOQ8Mg===_FC/72-53771-1E5830A6--