Document:

EX-10.3

 Exhibit 10.3 

Execution Version 

RATIFICATION, REAFFIRMATION AND CONFIRMATION OF TRANSACTION 

DOCUMENTS 
 This
RATIFICATION, REAFFIRMATION AND CONFIRMATION OF TRANSACTION DOCUMENTS (this “Agreement”) is made as of April 23, 2019 by MS LOAN NT-I, LLC, a Delaware limited liability company (“NT-I”), MS LOAN NT-II, LLC, a Delaware limited liability company (“NT-II”), CLNC Credit 1, LLC, a Delaware
limited liability company (“Credit 1”), CLNC Credit 2, LLC, a Delaware limited liability company (“Credit 2”), CLNC CREDIT 1UK, LLC, a Delaware limited liability company (“UK Seller”), CLNC CREDIT
1EU, LLC, a Delaware limited liability company (“EU Seller”, and together with NT-I, NT-II, Credit 1, Credit 2 and UK Seller, individually or
collectively, as the context may require, “Seller”), CREDIT RE OPERATING COMPANY, LLC, a Delaware limited liability company (“Guarantor”), and MORGAN STANLEY BANK, N.A. (“Buyer”; each of Buyer,
Seller and Guarantor, a “Party” and collectively the “Parties”). All capitalized terms used herein but not otherwise defined shall have the respective meanings ascribed to such terms in the Second A&R MRA (as
defined below). 
 RECITALS: 

A. WHEREAS, NT-I, NT-II, Credit 1, Credit 2 and Buyer entered
into that certain Amended and Restated Master Repurchase and Securities Contract Agreement, dated as of April 20, 2018 (the “First A&R MRA”). 

B. WHEREAS, the First A&R MRA has been amended and restated pursuant to that certain Second Amended and Restated Master Repurchase and
Securities Contract Agreement, dated as of the date hereof (the “Second A&R MRA”) by and between Buyer and Seller, and certain of the Transaction Documents (as defined in the First A&R MRA) have been amended and restated
concurrently therewith (collectively, the “Restated Documents”). 
 C. WHEREAS, certain of the Parties hereto entered into
certain Transaction Documents (as defined in the First A&R MRA) on and since April 20, 2018 (including, without limitation, the Amended and Restated Guaranty Agreement, dated as of April 20, 2018, made by Guarantor in favor of Buyer),
which have not been amended and restated as of the date hereof (collectively, the “Original Transaction Documents”). 
 D.
WHEREAS, in connection with the execution and delivery of the Second A&R MRA, each Party has agreed to ratify, reaffirm and confirm its respective obligations under the Original Transaction Documents to which it is a party. 

NOW THEREFORE, in consideration of the mutual premises contained herein and other good and valuable consideration, the receipt and sufficiency
of which are hereby acknowledged: 
 Each Party hereby consents to the execution and delivery of the Second A&R MRA and the Restated
Documents and hereby (i) unconditionally ratifies, reaffirms and confirms its obligations under the Original Transaction Documents and the Transaction 

 
Documents to which it is a party, (ii) acknowledges and agrees that (x) such obligations remain in full force and effect, binding on and enforceable against it in accordance with the
terms, covenants and conditions of such documents, (y) that any reference in the Original Transaction Documents to the First A&R MRA, any other document that has been amended and restated as of the date hereof or any term defined therein
shall be deemed to refer to the Second A&R MRA, the applicable Restated Document and the applicable term defined therein, and (z) the term “Transaction Documents” (as defined in the Second A&R MRA) shall be deemed to include
the Original Transaction Documents. Each Seller (i) represents, warrants and covenants that it is not in default under any of the Original Transaction Documents or the Transaction Documents to which it is a party, and (ii) represents and
warrants that, to its knowledge, it does not have any claims, actions, causes of action, suits, or defenses against Buyer for or by reason of any matter, cause or thing whatsoever relating to the Transaction. 

This Agreement may not be amended nor any provision hereof waived or modified except by an instrument in writing signed by the Parties. 

This Agreement shall be governed by the laws of the State of New York without giving effect to the conflict of law principles thereof, except
for Section 5-1401 of the General Obligations Law of the State of New York. 
 This Agreement
may be executed in any number of counterparts, and by each of the Parties on separate counterparts, each of which, when so executed and delivered, shall be an original, but all of which taken together shall constitute one and the same document.
Delivery of an executed counterpart of this Agreement in Portable Document Format (PDF) by email or facsimile transmission shall be effective as delivery of a manually executed counterpart thereof. 

[Signatures on following page] 

 IN WITNESS WHEREOF, the undersigned has caused this Agreement to be duly executed and
delivered by its duly authorized officer as of the date above first written. 
  

			
	 BUYER:

	
	 MORGAN STANLEY BANK, N.A.,

a national bank association

		
	 By:
	 	 /s/ Anthony Preisano

		 	 Name: Anthony Preisano

		 	 Title: Authorized Signatory

 
			
	 SELLER:

	
	 MS LOAN NT-I, LLC,

a Delaware limited liability company

		
	By:	 	/s/ David A. Palamé
		 	Name: David A. Palamé
		 	Title: Vice President
	
	 MS LOAN NT-II, LLC,

a Delaware limited liability company

		
	By:	 	/s/ David A. Palamé
		 	Name: David A. Palamé
		 	Title: Vice President
	
	 CLNC CREDIT 1, LLC,

a Delaware limited liability company

		
	By:	 	/s/ David A. Palamé
		 	Name: David A. Palamé
		 	Title: Vice President
	
	 CLNC CREDIT 2, LLC,

a Delaware limited liability company

		
	By:	 	/s/ David A. Palamé
		 	Name: David A. Palamé
		 	Title: Vice President
	
	 CLNC CREDIT 1UK, LLC,

a Delaware limited liability company

		
	By:	 	/s/ David A. Palamé
		 	Name: David A. Palamé
		 	Title: Vice President

 
			
	 CLNC CREDIT 1EU, LLC,

a Delaware limited liability company

		
	By:	 	 /s/ David A. Palamé

		 	Name: David A. Palamé
		 	Title: Vice President
	
	 GUARANTOR:

	
	 CREDIT RE OPERATING COMPANY, LLC,

a Delaware limited liability company

		
	By:	 	 /s/ David A. Palamé

		 	Name: David A. Palamé
		 	Title: Vice PresidentBlueprint

  Exhibit 4.3

 

CERTIFICATIONS

 

 I,
Brad J. Moynes certify that:

 

1)

I have reviewed
this Annual Report on Form 20-F for Digatrade Financial
Corp;

 

2)

Based on my
knowledge, this report does not contain any untrue statement of a
material fact or omit to state a material fact necessary to make
the statements made, in light of the circumstances under which such
statements were made, not misleading with respect to the period
covered by this report;

 

3)

Based on my
knowledge, the financial statements, and other financial
information included in this report, fairly present in all material
respects the financial condition, results of operations and cash
flows of the Company as of, and for, the periods presented in this
report;

 

4)

The Company's other
certifying officer and I are responsible for establishing and
maintaining disclosure controls and procedures (as defined in
Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control
over financial reporting (as defined in Exchange Act Rules
13a-15(f) and 15d-15(f)) for the Company and have:

 

a)

designed such
disclosure controls and procedures, or caused such disclosure
controls and procedures to be designed under our supervision, to
ensure that material information relating to the Company, including
its consolidated subsidiaries, is made known to us by others within
those entities, particularly during the period in which this report
is being prepared;

 

b)

designed such
internal control over financial reporting, or caused such internal
control over financial reporting to be designed under supervision,
to provide reasonable assurance regarding the reliability of
financial reporting and the preparation of financial statements for
external purposes in accordance with generally accepted accounting
principles;

 

c)

evaluated the
effectiveness of the Company's disclosure controls and procedures
and presented in this report our conclusions about the
effectiveness of the disclosure controls and procedures, as of the
end of the period covered by this report based on such evaluation;
and

 

d)

disclosed in this
report any change in the Company's internal control over financial
reporting that occurred during the period covered by the annual
report that has materially affected, or is reasonably likely to
materially affect, the Company's internal controls over financial
reporting; and

 

5)

The Company's other
certifying officer and I have disclosed, based on our most recent
evaluation of internal control over financial reporting, to the
Company's auditors and the audit committee of Company's board of
directors (or persons performing the equivalent
function):

 

a)

all significant
deficiencies and material weaknesses in the design or operation of
internal control over financial reporting which are reasonably
likely to adversely affect the Company's ability to record,
process, summarize and report financial information;
and

 

b)

any fraud, whether
or not material, that involves management or other employees who
have a significant role in the Company's internal control over
financial reporting.

 

 

 

Date:
April 26, 2019

/s/ Brad J.
Moynes                                           

Brad J.
Moynes

CFOBlueprint

  Exhibit 4.4

 

 

CERTIFICATION
PURSUANT TO 18 U.S.C. SECTION 1350 AS ADOPTED PURSUANT
TO

 

SECTION
906 OF THE SARBANES-OXLEY ACT OF 2002

 

 

In
connection with the Annual Report for Digatrade Financial Corp on
Form 20-F for the year ended December 31, 2018 as filed with the
Securities and Exchange Commission on the date hereof (the
“Report), the undersigned, Brad J. Moynes, Chief Financial
Officer do hereby certify, pursuant to 18 U.S.C. Section 1350, as
adopted pursuant to Section 906 of the Sarbanes- Oxley Act of 2002,
that to the best of our knowledge:

 

 

(1)         

The Report fully
complies with the requirements of section 13(a) of the Securities
Exchange Act of
1934; and

 

(2)         

The information
contained in the Report fairly presents, in all material respects,
the Financial condition
and results of operations of the Company.

 

By:

 

 

/s/ Brad J.
Moynes                                           

Brad J.
Moynes

Chief
Financial Officer

April
26, 2019

 

 

 

 

 

CERTIFICATION
PURSUANT TO 18 U.S.C. SECTION 1350 AS ADOPTED PURSUANT
TO

 

SECTION
906 OF THE SARBANES-OXLEY ACT OF 2002

 

 

In
connection with the Annual Report for Digatrade Financial Corp on
Form 20-F for the year ended December 31, 2018 as filed with the
Securities and Exchange Commission on the date hereof (the
“Report), the undersigned, Brad J. Moynes, Chief Executive
Officer do hereby certify, pursuant to 18 U.S.C. Section 1350, as
adopted pursuant to Section 906 of the Sarbanes- Oxley Act of 2002,
that to the best of our knowledge:

 

 

(1)         

The Report fully
complies with the requirements of section 13(a) of the Securities
Exchange Act of
1934; and

 

(2)         

The information
contained in the Report fairly presents, in all material respects,
the Financial condition
and results of operations of the Company.

 

By:

 

 

/s/ Brad J.
Moynes                                           

Brad J.
Moynes

Chief
Executive Officer

April
26, 2019

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