How is a credit score calculated?

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1 Credit builder account — proceeds are held in a deposit account until maturity
2 Personal loan — proceeds are available in as little as one business day

1. All loans made by Lead Bank, Sunrise Banks, N.A., or Atlantic Capital Bank, NA - Member FDIC. Equal Housing Lender. Individual borrowers must be a U.S. Citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. 2. *Results not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. All loans subject to approval. 3. All Certificates of Deposit (CD) are deposited in Lead Bank, Sunrise Banks, N.A., or Atlantic Capital Bank, NA - Member FDIC.

Lead Bank. Member FDIC, Equal Housing Lender Sunrise Banks, N.A. Member FDIC, Equal Housing Lender Atlantic Capital Bank, NA, Member FDIC, Equal Housing Lender