2024-05-31

William Tweedie

750 Apple Creek Lane, #1730

Santa Rosa, CA 95401

Re: Loan Application

Dear William Tweedie

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 (2115
Linwood Ave, 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):

Serious delinquency, and public record or collection filed. Too few accounts currently paid as agreed.
Too many accounts with balances. Proportion of balances to credit limits on bank/national revolving or
other revolving accounts is too high
Time since oldest account opened is too recent. No bankcard accounts with a valid credit amount. No
revolving accounts with a valid credit amount. No accounts with valid credit amount
Insufficient number of open accounts
High number of recent inquiries

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

TransUnion Consumer Solutions FactorTrust, Inc.

P.O. Box 2000 Attn: Consumer Inquiries

Chester, PA 19022-2000 P.O. Box 3653

(800) 916-8800 Alpharetta, GA 30023

(844) 773-3321

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, 2 N. Central Ave. 10th Floor Phoenix, AZ 85004 (844) 742-3468.

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: 420

Date: 2024-05-28

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 filed

Too few accounts currently paid as agreed
Too many accounts with balances
Proportion of balances to credit limits on bank/national revolving or other revolving accounts 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:

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 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.

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