TransUnion Consumer Solutions

P.O. Box ****

Chester, PA 19022-2000

800-***-****

SageStream, LLC

PO Box 503793

San Diego, CA 92150-3793

888-***-****

www.sagestreamllc.com

****-**-**

Leslie Lepor

2584 Hereford Road

MELBOURNE, FL 32935

Re: Loan Application

Dear Leslie Lepor

Thank you for your recent application for a loan through Upgrade, Inc. (DBAs include Universal Credit and the names www.upgrade.com/landing/dba) (“Upgrade”) from Upgrade’s bank partners: Cross River Bank (400 Kelby Street, 14th Floor, Fort Lee, NJ 07024) and Blue Ridge Bank (17 West Main Street, Luray, VA 22835). Your request for a loan was carefully and jointly considered by our bank partners, and we regret that they are unable to approve your application at this time, for the following reason(s): Credit score insufficient for amount requested

Loan amount would exceed maximum allowable debt to Upgrade Offer amount exceed maximum allowable by turndown

The consumer reporting agency contacted that provided information that influenced our bank partners' credit decision in whole or in part was:

The reporting agency played no part in our bank partners' credit decision and is unable to supply specific reasons why they have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you received is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. Any questions regarding such information should be directed to TransUnion Consumer Solutions. If you have any questions regarding this letter, you should contact us at Upgrade, Inc, 275 Battery Street, 23rd Floor San Francisco, CA 94111 855-***-****. Our bank partners also obtained your credit score from TransUnion Consumer Solutions and used it in making their credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. Your credit score: 611

Date: 2022-09-08

Scores range from a low of 300 to a high of 850.

Key factors that adversely affected your credit score: Derogatory public record or collection filed

Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high Lack of recent installment loan information

Too many accounts with balances

In addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely affected the credit score.

If you have any questions regarding your credit score, you should contact TransUnion Consumer Solutions at: P.O. Box 2000

Chester, PA 19022-2000

800-***-****

Sincerely,

Upgrade, Inc

NOTICE

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is Office of the Comptroller of the Currency, Customer Assistance Group, P. O. Box 53570 Houston, TX 77052.