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UPGRADE INC

With over 200 financial institution partners, a seasoned team and sterling
pedigree in consumer lending, we are the industry leader in financial
institution partnerships.

Our bank partners utilize our flexible balance sheet solutions to solve for
margin compression, balance sheet diversification, liquidity management, and
income replacement.

We have facilitated $24 billion in loans, including over $9.5 billion in 2022
alone.

Upgrade Card registered as the fastest-growing U.S. credit card by outstanding
balances, the only card with a triple-digit growth rate, and we were listed as a
top 50 Visa and MasterCard issuer, according to the March 2022 Nilson Report.

Headquartered in San Francisco, California, we also have a service center in
Phoenix, a regional office in Atlanta, and a technology center in Montreal,
Canada.

For more information please contact investor@upgrade.com


BANK PARTNERSHIPS

Upgrade has partnerships currently available for purchasing our facilitated
loans, including personal loans, cards, and auto refi loans, and for our Deposit
& Loan Program.

Our asset purchase program is flexible with custom credit criteria, nationwide
or geography-specific, has no minimum commitment, and is easily incorporated
with your existing ALM strategies.

 * Attractive yielding loans and deposits from prime customers
 * Customer deposit sweep available from bank partners for access to low-cost
   funding
 * Average onboarding ~30 days: Dedicated onboarding team for easy integration
   and comprehensive diligence materials
 * Online account access and account managers for ongoing support
 * Loan servicing by Upgrade

For more information, please contact investor@upgrade.com.



Upgrade Personal Loans

Term: up to 7 years
Wtd. Avg FICO*: 717
Wtd. Avg Income: $114,945
Purpose CC /Dbt Cons: 87%
Purpose Home Improv / Large purchase: 7.5%
% LTV: NA
% Homeowners: ~50%

Upgrade Personal Credit Line/Card

Term: 2, 3 and 5 year
Wtd. Avg FICO*: 694
Wtd. Avg Income: $100,301
Purpose CC /Dbt Cons: N/A
Purpose Home Improv / Large purchase: N/A
% LTV: NA
% Homeowners: 45%


Upgrade Auto Refi

Term: 3-7 year
Wtd. Avg FICO*: 712
Wtd. Avg Income: $108,500
Purpose CC /Dbt Cons: N/A
Purpose Home Improv / Large purchase: N/A
% LTV: 120%
% Homeowners: 70%


* Minimum 660+ FICO. Upgrade facilitates loans below 660 FICO, which are
typically sold to institutional investors. If you are interested, Upgrade can
also offer below 660 FICO loans to your financial institution.

For more information please contact investor@upgrade.com


BANK WEBINARS

Consumer Credit - Digital Lending

Deposit & Loan Partnership - See How It Works

Upgrade Bank Partnerships



OUR OFFICES


SAN FRANCISCO


HEADQUARTERS


PHOENIX


SERVICE CENTER

Learn more about our service center


MONTREAL


ENGINEERING CENTER


ATLANTA


REGIONAL OFFICE


ORANGE COUNTY


REGIONAL OFFICE

For more information, contact us at investor@upgrade.com

 * Products
   * Personal Loans
   * Upgrade Cards
   * Upgrade OneCard
   * Premier Savings
   * Rewards Checking Plus
   * Auto Refinance
   * Auto Finance: Customers
   * Auto Finance: Dealers
   * Home Improvement
   * Credit Health
 * Company
   * About Us
   * Careers
   * Press Room
   * Reviews
 * Resources
   * Credit Health Insights
   * Help Center
   * Security
   * Accessibility
 * Legal
   * Terms of Use
   * Privacy
   * Do Not Sell or Share My Personal Information

275 Battery Street, 23rd Floor
San Francisco, CA 94111, USA

Not for payments. Payment
address can be found here.

Looking to Invest? Contact us at
moc.edargpunull@rotsevninull

For other inquiries, contact us at
moc.edargpunull@tcatnocnull

 * 
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Copyright 2023 Upgrade, Inc.
All rights reserved.

Personal Loans and Auto Refinance Loans made by Upgrade's bank partners. Home
Improvement Loans are made by Cross River Bank, Member FDIC, Equal Housing
Lender. Personal Credit Lines are issued by Cross River Bank, Member FDIC. The
Upgrade Card is issued by Cross River Bank, Member FDIC, pursuant to a license
from Visa U.S.A. Inc. Upgrade, Inc. (NMLS #1548935) holds the following state
licenses and does business under the following DBAs. Checking and savings
accounts provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards
are issued by Cross River Bank, Member FDIC, pursuant to a license from Visa
U.S.A. Inc. Upgrade is a financial technology company, not a bank.






DO NOT SELL OR SHARE MY PERSONAL INFORMATION

For California Residents only: Upgrade does not “sell” your personal
information, but you can opt-out of sharing your personal information with third
parties for cross-context behavioral advertising. When you visit our website or
mobile application (collectively, the “site”), we store cookies on your browser
to collect information. The information collected might relate to you, your
preferences, or your device, and is used to make the site work as you expect it
to, to provide a more personalized experience, and to provide you with
information about products and services that may be of interest to you. You can
choose to opt out of certain types of cookies, including Targeting Cookies.
Click on the different category headings to find out more and change our default
settings according to your preferences. You cannot opt-out of our first party
Strictly Necessary Cookies, as they ensure the proper functioning of our website
(such as remembering your settings, logging you into your account, redirecting
you when you log out, etc.). For more information about the tracking
technologies we use, please see our Privacy Policy.
Privacy Policy
Allow All


MANAGE CONSENT PREFERENCES

STRICTLY NECESSARY COOKIES

Always Active

These cookies are necessary for the website to function and cannot be switched
off in our systems. They are usually only set in response to actions made by you
which amount to a request for services, such as setting your privacy
preferences, logging in or filling in forms. You can set your browser to block
or alert you about these cookies, but some parts of the site will not then work.
These cookies do not store any personally identifiable information.

PERFORMANCE COOKIES

Always Active

These cookies allow us to count visits and traffic sources so we can measure and
improve the performance of our site. They help us to know which pages are the
most and least popular and see how visitors move around the site. All
information these cookies collect is aggregated and therefore anonymous. If you
do not allow these cookies we will not know when you have visited our site, and
will not be able to monitor its performance.

TARGETING COOKIES

Always Active

These cookies may be set through our site by our advertising partners. They may
be used by those companies to build a profile of your interests and show you
relevant adverts on other sites. They do not store directly personal
information, but are based on uniquely identifying your browser and internet
device. If you do not allow these cookies, you will experience less targeted
advertising.

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