 Ponce Bank, the wholly-owned subsidiary of PDL Community Bancorp, PDLB teams with Grain Technology Inc. Grain to provide revolving lines of credit to those with little to no credit, or whove had their credit damaged, by transforming debit cards into crebit cards. The Grain app, Powered by PonceTM also seeks to teach financial literacy and uses Artificial Intelligence AI tools to automatically build credit history aligning the companies bifold mission to extend credit and education to the underserved while combating economic inequality in the U.S. Between Millennials and Gen-Zers made debt-shy by mountains of student debt and with 4 out of 10 people in this country currently unable to cover a 400 emergency expense lies a vast pool of customers sorely in need of credit management skills and financial education to empower their future financial security. 