Upgrade is a neobank that offers affordable and responsible credit to mainstream consumers through personal loans and cards, together with a rewards checking account and credit monitoring and education tools that help consumers better understand and manage their money. Over $4 billion in loans and cards have been originated by the Upgrade platform since inception in 2017. Upgrade is headquartered in San Francisco, California, with a service center in Phoenix, Arizona, and a technology center in Montreal, Canada. Upgrade’s Rewards Checking accounts are provided by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. Upgrade VISA® Debit Cards are issued by Cross River Bank, pursuant to a license from Visa U.S.A. Inc. Personal Credit Lines are issued by Cross River Bank. Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Rewards associated with Upgrade cards, when applicable, are provided by Upgrade, Inc. Personal Loans and Auto Refinance Loans are made by Upgrade's lending partners. More information is available at: https://www.upgrade.com.

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ML Enterprise Inc. (formerly Even Financial Inc.) NMLS# 1475872 /
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