To qualify for a loan, all loan borrowers must:

● Has a verifiable name, date of birth and social security number;

● Is at least 18 years of age;

● Has a credit score that meets the minimum credit underwriting requirements or, if the applicant

does not have a credit score, has graduated from or is currently enrolled in (i) an associates

degree at an accredited school, (ii) a 4-year (bachelor’s degree) accredited college, or (iii) more

advanced degree granting program; and (iv) has a job, job offer, or other verifiable source of

regular income;

● Has a U.S. address;

● Is a resident of a zip code that the Creditor offers Covered Accounts, see Appendix A;

● Passes the identity verification and OFAC screening;

● Has a valid e-mail account (meaning that UNI has checked the format of the address and, before

funding, verified the consumer’s ability to send and receive mail at that address);

● Has a job or job offer he/she has accepted and will start within 6 months or another verifiable

source of regular income and does not intend to terminate this source of regular income within

the 3 months following the application date;

- meet our minimum credit requirements; and

- have a personal banking account at a U.S. financial institution with a routing transit number;