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 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; unless s/he has been accepted to one of our partner

institutions that provides vocational training and (iv) has a job, job offer, or other verifiable source

of regular income;

- Have a U.S. address;

- Be a resident of a zip code 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 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;