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; 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;

• Has a U.S. address;

• Is a resident of South Carolina;

• 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, unless he/she has been (i) accepted to one of our partner institutions that provides vocational training and (ii) has a college degree;

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