2019-12-18

Lourdes Perez-Castillo

6959 North Waterway Drive

Miami, FL 33155

Re: Loan Application through Upgrade, Inc

Dear Lourdes Perez-Castillo

Thank you for your recent application for a loan from WebBank through Upgrade, Inc. Your request for a loan was carefully considered,
and we regret that we are unable to approve your application at this time, for the following reason(s):

Serious delinquency, and public record or collection filled. Proportion of balances to credit limits on bank/national revolving or
other revolving accounts is too high. Proportion of loan balances to loan amounts is too high. Too many accounts with balances
Income or credit history insufficient for loan
Ratio of current balances to credit limit on non-mortgage accounts is too high. Non-medical collection accounts. Recent
increase in utilization of credit cards. Recent overlimit

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

TransUnion Consumer Solutions SageStream, LLC LexisNexis Risk Solutions Bureau LLC

P.O. Box 2000 PO Box 503793 RiskView Consumer Inquiry Department

Chester, PA 19022-2000 San Diego, CA 92150-3793 P.O. Box 105108

(800) 916-8800 (888) 395-0277 Atlanta, GA 30348-5108

www.sagestreamllc.com (866) 897-8126

The reporting agency played no part in our decision and is unable to supply specific reasons why we 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.

We also obtained your credit score from this consumer reporting agency and used it in making our 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: 585

Date: 2019-12-18

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

Key factors that adversely affected your credit score:

Serious delinquency, and public record or collection filled

Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high
Proportion of loan balances to loan amounts is too high
Too many accounts with balances

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,
WebBank

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
FDIC, Consumer Response Center, 1100 Walnut St., Box #11, Kansas City, MO 64106.