2021-12-12

Yotzimar Arreola Hernandez

6058 South Hills Valley Road

Orange Cove, CA 93646

Re: Loan Application

Dear Yotzimar Arreola Hernandez

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 lending 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 lending partners, and we regret that they are
unable to approve your application at this time, for the following reason(s):

Too few accounts currently paid as agreed. Lack of recent revolving account information. Lack of
recent bank/national revolving information. Proportion of loan balances to loan amounts is too high
Insufficient length of credit history
Insufficient number of accounts
Income or credit history insufficient for minimum loan amount

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

TransUnion Consumer Solutions SageStream, LLC FactorTrust, Inc.

P.O. Box 2000 PO Box 503793 Attn: Consumer Inquiries

Chester, PA 19022-2000 San Diego, CA 92150-3793 P.O. Box 3653

(800) 916-8800 (888) 395-0277 Alpharetta, GA 30023

www.sagestreamllc.com (844) 773-3321

The reporting agency played no part in our lending 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) 997-3100.

Our lending 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: 599

Date: 2021-12-12

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

Key factors that adversely affected your credit score:

Too few accounts currently paid as agreed

Lack of recent revolving account information
Lack of recent bank/national revolving information
Proportion of loan balances to loan amounts is too high

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) 916-8800

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.