1. WELCOME TO UMA UMA Funds is a Private members club. Our intention is to manage our personal investments and share same strategy with other individuals, partnerships and clients seeking better than normal returns. Funds are diversified to traders and different wealth management services in various diversified markets to generate returns for medium risk programs. One of the new alternatives is Carbon market where experiencing already highly profitable results.

2. UMA Funds partners are specialized on how to invest in products that can also represent a solid value in bear markets (negative markets), such as metals and commodities, currency and new carbon markets - products that of course fluctuate with demand but which, at the end of the day, still represent a value which is significant. For example, by investing in the currency market, you hold one or several currencies. What are the chances that no one will buy the euros you hold as an investment? Close to zero - as opposed to a stock market investment can be difficult to sell and liquidate, especially in a bear market. Year 2008 once again proved that having all your assets in stock markets and/or real estate makes your investments vulnerable. From an all time high, both stocks and real estate have hit rock bottom and, as usual, it came as big surprise. In actual fact, there were many warnings, but no one paid any attention to them when all the indications were projecting returns going through the roof. By diversifying your investments and adding, for example, currency and metals, you will hold assets which are possible to liquidate for profit even in a bear market. We are on a mission to share oportunities that are out there so you as investor can achieve better than average returns. We want you to be better qualified in understanding how your money can work for you, instead of you working for your money. How it works

3. Ways to earn with UMA There are 2 ways how to earn with UMA: $ Choose adequate program Make an investment and collect earnings Persoal investment Refer and earn commission Earn commission from affiliates up to 6 levels Affiliate program

4. Personal investment Yearly programs Vary programs, period 12 months, earnings payed out monthly Program suitable for expert investors Monthly programs Vary programs, period 6 months, earnings payed out monthly Programs are limited with amount invested Daily program STARTER Invest period 1 month, earnings payed out DAILY. Program is recommended for testing only due to small earnings

5. Description of programs STARTER SILVER,GOLD PLATINUM,VIP Monthly program limited with lower and upper amount different in each program. Your principal is locked for 6 months, interests earned are paid monthly, after 30 days of your principal deposit. You can withdraw earnings as soon as they appear in "available" section, and your principal will be released after 6 months of your principal deposit. Yearly program limited with lower and upper amount. Your principal is locked for 12 months, interests earned are paid monthly, after 30 days of your principal deposit. You can withdraw earnings as soon as they appear in "available" section, and your principal will be released after 12 months of your principal deposit. Is our daily program. It offers you lock of your principal for 30 days, interests earned are payed daily. Your account will be funded with your earnings each working day.Earnings could be withdrawn any time. After 30 days your principal will be released and available for withdraw

6. Compounding In programs: SILVER, GOLD, PLATINUM,VIP Compounding is availabe Program duration remain unchanged, but interests are added to principal each month. Complete sum (principal+interests) become available after lockup period!

7. On signup each member get his personal referal link. https://www.umafunds.com/?refer=member By using this link each new member will be registered as your affiliate and you will receive referal commision 3% of his investment Referal commision

8. All your referals, referals of your referal and their referals are your affiliates. You can earn up to 27% of their earnings down to 6 levels! You need to reach certain qualifications to collect those earnings! Conditions are presented in next table: Affiliate commision

9. Affiliate clasifications Level 1 Personal investment: 20$ Group Investment: 200$ Group members: 1 Level 2 Level 3 Level 4 Level 5 Level 6 Personal investment: 200$ Group Investment: 2000$ Group members: 4 Personal investment: 1000$ Group Investment: 25000$ Group members: 6 Personal investment: 5000$ Group Investment: 100000$ Group members: 8 Personal investment: 25000$ Group Investment: 250000$ Group members: 10 Personal investment: 50000$ Group Investment: 500000$ Group members: 12 7% 5% 3% 2%

10. Representative gains Become a representative and enjoy benefits: Open 3 levels and get company e-mail Open 4 levels and gain extra level as bonus Open 6 levels and participate on company decisions

11. What makes us different? Company registered in Hong Kong, one of most liberal offshore teritories Account at respectfull and large worldwide bank Regulated broker accounts, verified traders Years of experience on investment field

12. WELCOME TO UMA THE NEXT STAGE IN INVESTMENTS