1. The farmer-borrower should be a bonafide member of a cooperative, an association of irrigators, or a private organization with good credit standing. 2. The cooperative, irrigator association and/or private organization of which he is a member must have agreed in the terms and conditions set under the Memorandum of Agreement executed by Planters Products, Inc.3. The farmer-borrower has attended training on PNPL Technology being conducted by Planters Products Inc.