OpenSky Credit Builder Program 15.43.06

The OpenSky Credit Builder Program mobile application provides a convenient way to manage your credit building efforts directly from your iPhone or iPad. It allows users to stay informed about payment schedules, track progress toward their Credit Builder Program goals, and monitor their FICO score(*) within a streamlined interface.

App features include:

• Viewing your minimum payment due and the upcoming due date—facilitating better financial planning.
• Submitting one-time payments or establishing recurring payments to ensure timely contributions.
• Accessing a history of recent payments processed through the program.
• Setting up alerts to stay on top of payment deadlines and progress milestones.

The operational process of the OpenSky Credit Builder Program involves the following steps:

1. Applying for eligibility and selecting an appropriate loan plan.
2. Commencing payments starting at $20 per month(**).
3. Consistently making on-time monthly payments to support credit history development(***).
4. At the conclusion of the plan, gaining access to your savings, minus applicable interest and fees.

(*) Borrowers with an active plan will receive their Experian FICO score monthly, provided a score is available. This score is intended for informational purposes only and may differ from other credit scores. The FICO score is a registered trademark of Fair Isaac Corporation, used with permission.

(**) For example, a plan with a principal amount of $221.58 over 12 months would involve monthly payments of $20, an APR of 28.6%, and total payments amounting to $240.

(***) Improvement in credit scores cannot be guaranteed. The effect of participating in the Credit Builder Program on your credit report and scores depends on various factors beyond the data we report, including other aspects of your financial situation. The program’s account activity and payment history will be reported to credit bureaus; missed or late payments could negatively impact your credit profile.

The OpenSky Credit Builder Program is offered by Capital Bank, N.A.