During the six-month prefunding period, the amounts on deposit in the prefunding account will be used to purchase unsecured consumer loans, subject to eligibility criteria and concentration limits, from the following MPL platforms: LendingClub Bank, National Association ("LendingClub"); MF Consumer Loan Trust ("Marlette"); Prosper Funding LLC ("Prosper"); Avant, LLC ("Avant"); and Upgrade, Inc. ("Upgrade"); SoFi Lending Corp ("SoFi"), Cross River Bank (collectively, the "Platform Sellers"). Loans originated on the SoFi Platform will be sold directly to the depositor by Cross River Bank. In addition, Pagaya may direct the Depositor to purchase loans originated through a Platform Seller but which are held by its originating bank, including LendingClub and Cross River Bank ("CRB").