Thank you for taking the time to fill out a loan request application with Universal Shipping, Inc. We apologize for the delay in our response, and we're happy to inform you that your request has been accepted with only one change: Term requested at the recruit rate cannot exceed 30 days. If you accept the credits sent to you then you automatically accept the change of the agreement. If you don not accept, send the credits back immediately. Here's some additional information about your loan: