1. © 2015 UFT Commercial Finance, LLC 1 Form 1105.DWD
The following summary is not intended to be, nor shall it be, construed as an attempt to define the comprehensive nature of our
business interests and products. Rather, it is intended to set forth a general outline of our business and commercial objectives.
The below does not create any obligation on the part of our company to make available or deliver any product or service to the
recipient hereof. The below summarizes highly sophisticated financial concepts and products. Each recipient should complete its
own due diligence and not rely on the following in making any decision to engage in any business transaction.
Our Thought Process:
Finding Credit Solutions in Challenging Times
Why We Do What We Do?
UFT Commercial Finance Team is addressing the multi-trillion dollar need for the global credit marketplace to re-invent
itself into a standardized, universal, transparent and resilient system that is not predisposed to the type of systemic failings
experienced in 2008. We are committed to levelling the cross-border credit “playing field” in order to shape a new industry
paradigm for lending. That paradigm does away with the disconnect between derivatives products and tangible collateral,
market opacity that has crippled price discovery and risk management, as well as the general inflexibility of current models.
The end-game is to change how lending is done; restoring the “best of the basics” in which the value and risk of the
underlying collateral are clearly and directly definable and introducing a holistically modern credit platform that takes
advantage of the best today’s technology has to offer in order to foster transparency and liquidity.
How We Do It?
We are achieving our goals by re-engineering the foundations of the traditional credit market into an entirely new, scalable,
more agile and resilient model that allows capital to flow between source and opportunities more efficiently. From this we
have birthed a non-derivative-based credit asset class - the “Master Credit Participation CertificateTM
” or “CPCTM
”.
This patent-pending innovative and disruptive alternative investment solution is founded upon well-established principles
of loan participation, and serves as common bedrock upon which an array of credit opportunities and capital can find their
roots in order to grow across a global footprint.
All this is achieved by building the CPC system upon a “master” form of credit participation agreement under common
governing terms. This master agreement is the trunk of the tree that permits a variety of CPC types to sprout, all of which
share a common structure while the dynamic and transparent nature of the CPC design allows the individual characteristics
of a particular credit type to shine through. In short, this means, CPCs -- although universally formatted and governed – can
easily vary as to industry segment, price, duration, nature of underlying collateral, and performance and risk attributes.
CPCs are so flexible, they can even accommodate private equity transactional profiles within the context of the platform.
All of this can be done by building an innovative, robust and scalable platform that allows for virtually any type of credit to
be guided through the processes of origination, quality control, fractionalization, administration and monitoring within a
standardized framework on a state-of-the-art automated system.
This is in all respects the antithesis of prior practices of producing collateralized debt products. It solves the pernicious
flaw of past credit products and systems, as investors can take advantage of a common system to screen, monitor and
administer credits; allowing them to identify with speed, clarity and certainty the state of their portfolio.
What We Do?
We issue all CPCs through UFTCF Master CPC Issuer, LLC, a wholly-owned, bankruptcy remote, special purpose entity
using our patent-pending proprietary systems. We originate credit and empower third party originators to originate credit
using our systems – free of charge to them. We work with qualified non-retail investors, Participating Lenders, to aggregate
the acquisition of CPCs in minimum participation units of as little as US$100,000 until a full CPC Series is consumed. We
administer a technology system that enables the issuance, “point and click” purchase of CPCs, and archiving of all CPC
Series and related underlying collateral.
Credits that are fractionalized through our CPC platform are originated to consistent standards by ourselves as well as
qualified community, regional, national and international banks and non-bank commercial lenders around the globe. All of
these same originators are also qualified to participate as Participating Lenders through our platform. This better assures
originator accountability and quality control since each originator must “take-back” a fraction of the Credit they originate as
a retained interest on the same exact terms as every other Participating Lender in that CPC Series. In short, the chef is
eating what he cooks.

2. © 2015 UFT Commercial Finance, LLC 2 Form 1105.DWD
Finding Credit Solutions in Challenging Times
CPCs are issued in uncertificated (book-entry) form, administered by a major bank as our credit participation trustee, and
assigned CUSIP or ISIN and Valoren identifiers to help our Participating Lenders better manage their portfolios.
CPCs may be issued for credits that are traditional cash-funded loans, or – unique to our system – credit enhancement
transactions. In the former case, our CPC system simply enables the cash purchase of CPCs. In the latter case, a
Participating Lender purchases its CPC – in particular, an “Enhancement CPC” – ‘cashlessly’. Meaning, the Participating
Lender purchases a portion of a credit enhancement facility not with cash funds, but through the delivery of one or more
specially formatted letters of credit to a major international bank as our third party trustee. We then rely on these undrawn
letters of credit held in trust as a source of credit enhancement of the target project, company, or asset that is being funded.
Once the letters of credit are in trust, we arrange for 100% cash-matched funding to be allocated and disbursed to the
underlying company approved for the credit. This “cashless” investment strategy is unique to our CPC system. It has the
potential to generate substantial yield enhancement to each Participating Lender’s commercial operation, investment
portfolio or other asset that was pledged by them to their own bank in support of the issuance of their letter of credit.
Enhancement CPCs are novel and are the commercial by-product of “Modern Credit and Investment Disaggregation
Theory” as pioneered by our founder. Enhancement CPCs disaggregate actual cash funding or investment capital from the
credit support required by a given transaction or project. This permits project investor’s to invest without opportunity cost
and insulates the cash providers from project risk.
Thus far, we have created 25 different CPC products that span the yield curve and can address virtually any type of credit in
any industry, whether traditionally “funded” or “unfunded”, such as the case with an Enhancement CPC. This means that
our platform when laid across a global network of originators and participants has the potential to fundamentally change
how credit is thought about by investors and lenders alike.
By combining the option for investor passivity with the best practices of direct lenders, and with several years of
development and evangelization behind us, we are growing more confident that CPCs have the ability to attract billions of
dollars of institutional capital that is actively looking for yield; fast becoming an institutionally recognized point of re-entry
for investors into the commercial credit markets in lieu of old-fashioned securitizations.
Why is UFTCF a Strategic Choice?
Transparency: With technological support that provides visibility to the lion’s share of the information relied upon in
making the credit available to its customer, a Participating Lender has easy access to a comprehensive underwriting file that
enhances his understanding of the risks and rewards of participating.
Liquidity: Purchasers of CPCs acquire standardized fractional ownership interests in a credit as processed through our
universal CPC system. Each Participating Lender enjoys all the same rights to collateral and electronic access to the credit
underwriting file and current credit performance information as not only the originator, but all other credit participants.
This enhances investor confidence in understanding the exact terms and conditions governing virtually any CPC that may
be held by any other investor. Ultimately, this type of foundational knowledge allows for quick decision-making in both
the purchase and resale of any CPC, and therefore, breeds systemic liquidity that is not currently possible in any other class
of traditional credit.
Scalability: By definition a CPC is a fractional, undivided, beneficial ownership interest or “participation” in a single
source credit that may be located anywhere around the globe, derived from virtually any industry or commercial
opportunity in which credit may be established. CPCs represent one if not the only truly universal, non-derivative-based
credit asset class in the market today.
With the advent of the CPC, credit investors are able to build a highly fungible portfolio of commercial debt on a credit-by-
credit basis in the same way that equity investors build their portfolios – one stock at a time.