Upgrade Inc. is an marketplace lender having facilitated origination of over $20 billion in personal loans since inception. We partner with community banks to give them access to prime consumer assets for balance sheet diversification, income or liquidity management goals. We also have a Deposit-for-Loan program available. Upgrade can offer community banks consumer loans, cards as well as auto loans. In summary, we can provide community banks a digital channel to access customers in their communities with a flawless user experience.