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 a U.S. address;

● Be a resident of Michigan;

● 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;