To qualify for a loan, all loan borrowers must:

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

● be at least 18 years of age;

● have a credit score that meets the minimum credit underwriting requirements;

● have as a U.S. address;

● be a resident of a jurisdiction where the Creditor offers Covered Accounts;

● pass the identity verification and OFAC screening;

● have 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);

● have 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.