COSMETICS AND SKIN CARE REBRANDING PH

Block 6 Lot 17-20 St. Luke Street / Orchid Street St. Francis Homes 7 Brgy. San Antonio Biñan Laguna
cosmeticsandskincarerebranding@gmail.com | 09177026197

INVESTMENT CONTRACT

KNOW ALL MEN BY THESE PRESENTS:

This INVESTMENT CONTRACT is made, executed, and entered on this

13 day of January, 2023 by:
th

LORIE JANE ALEROSO ALMAZORA, of legal age, married,

Filipino, and with office address at Block 6 Lot 17-20 St. Luke Street / Orchid
Street St. Francis Homes 7 Brgy. San Antonio Biñan Laguna, hereinafter
referred to as the “INVESTEE.”

-AND-

MARCALYN FLORES APETA, of legal age, single, Filipino and

with residence and postal address at B1 L25 PhB Mercedes Homes IV Brgy.
Market Area Sta. Rosa, Laguna hereinafter referred to as the “INVESTOR.”

WITNESSETH; THAT:

WHEREAS, the parties hereto have mutually agreed to enter into the
Investment Contract.

NOW, THEREFORE, in consideration of the foregoing, the

“INVESTOR” and the “INVESTEE” hereby agree as follows:

ARTICLE I: AGREEMENT
(Amount, Terms, Interest and Obligations)

i. Amount to be Invested by the INVESTOR. One Hundred Thousand in

Philippine Peso (₱100,000.00).

ii. Term/Period of Investment. 12 months / 1 year.

iii. Interest to Earn. ₱84,000.00
- the total interest amount will be divided by 12 months amounting to Seven
Thousand in Philippine Peso (₱7,000.00) per month will be credited to the
INVESTOR’s account every 13th day within the period of this Investment
Contract.
- The first payment – one month after the execution of this Investment
Contract.

iv. Principal Amount of Investment. or the One Hundred Thousand in

Philippine Peso, (₱100,000.00) will be returned to the INVESTOR after the
completion of the Investment Contract or on January 13, 2024.
- To guarantee that the Principal Amount will be returned to the
INVESTOR after the completion of Investment Contract, the
INVESTEE hereby issued a POST-DATED CHECK, pay to the Order of
MARCALYN FLORES APETA, (0000486356).

ARTICLE II: Manner of Crediting Interest

i. Governing Rules on Crediting of Interest every 13th of the Month.

- Payout is on business days only or every weekday (Monday to Friday). *If
the 13th day of the month falls on non-business day (weekends/holidays),
payout will be processed on the next business day from 9pm to 12mn.
- Payout may also be suspended during natural calamities/disasters, (including
but not limited to earthquakes, landslides, volcanic eruptions, floods,
hurricanes, and pandemic outbreak) and must be processed on the next
business day
- Payout may likewise be suspended when the INVESTEE encounters Bank
related problems, (including but not limited to down internet / mobile
banking app) and must be processed on the next business day.

ii. No Advance Payment Policy.

- INVESTEE strictly enforces the "No Advance Payment Policy", regardless
of the reason given by the INVESTOR.

ARTICLE III: Termination, Fee, and Beneficiaries

i. Termination. This Investment Contract may not be terminated within the

period specified herein without valid and just cause.

To terminate this Agreement, INVESTOR and INVESTEE must agree to

and sign a Termination Contract duly notarized.
 - In the event that the termination is requested by the INVESTOR, the
termination shall be initiated by the latter no later than 30 days prior to the
intended termination.
- If the termination is requested by the INVESTEE, the latter shall immediately
notify the INVESTOR and shall pay the interest earned by the latter until
the termination period.

ii. Valid and Just Cause. For purposes of terminating this Investment
Contract, the following are considered valid and just cause, to wit:
- Fraud, mutual mistake, misrepresentation, impossibility of performance, lack
of consideration, breach of trust and confidence, illness, mutual agreement,
intimidation, threat, undue influence, force majeure, or emergency cases.

iii. Termination Fee. 10% of the total amount of investment must be

shouldered by the INVESTOR.

iv. Beneficiaries. Applicable only to the declared beneficiaries of the

INVESTOR.

Procedure of filing a claim:

1. Notify the INVESTEE within 30 days from the time of INVESTOR’s
death.
2. Submit a photocopy of the INVESTOR’s Death Certificate.
3. Submit a photocopy of the Beneficiary’s two (2) Valid IDs.
4. Beneficiaries below age 18 are considered minors and must be
represented by their legal guardian.

- If the beneficiary fails to file a claim within 90 days from the time
of the INVESTOR's death, the claim may be considered
abandoned and his/her rights to the Investment Contract may be
forfeited.

- Meanwhile, the Beneficiary has the option to continue the

Investment Contract provided that a duly notarized document is
executed stating that the former will be subrogated to the rights
and liabilities of the deceased INVESTOR.

- When the INVESTEE dies, it does not mean that the

INVESTOR’s investment money will immediately become
worthless. The INVESTEE has an appointed Executor to manage
her assets. INVESTEE’s assets will be subject to settlement of
 estate proceedings like any other business. Thus, any claims of the
interested creditor may be filed therewith. Therefore, provided
that the INVESTOR presents a valid contract and two (2) valid
IDs before the aforementioned Executor, the amount invested
including the interest earned at the time of INVESTEE’S death
will definitely be returned to the INVESTOR, the processing time
is approximately within thirty (30) to sixty to (60) days period.

ARTICLE IV: MISCELLANEOUS

(Mandatory Notarization and Fee)

i. Mandatory Notarization. Agreements on this Investment Contract are

enforceable only once it is notarized. Notarization is a strong proof of
document's authenticity.

ii. Fee. 2% of the amount specified in the Investment Contract.

1% to be borne by the INVESTEE, the other
1% to be borne by the INVESTOR. (Automatically deducted from
INVESTOR's first payout).

ARTICLE V: JURISDICTION

i. Governing Law. This Investment Contract shall be governed by, and

construed in accordance with, the laws of the Philippines.

ii. Severability. In the event a court of competent jurisdiction declares any

term or provision of this Investment Contract to be invalid or unenforceable
for any reason, this Investment Contract will remain in full force and effect,
and either: (a) the invalid or unenforceable provision(s) will be modified to
the minimum extent necessary to make such provision(s) valid and
enforceable; or (b) if such a modification is not possible, this Investment
Contract will be interpreted as if such invalid or unenforceable provision(s)
were not a part of this Agreement.

MARCALYN FLORES APETA LORIE JANE A. ALMAZORA

(Signature over Printed Name/Date) (Signature over Printed Name/Date)
 INVESTOR INVESTEE

SIGNED IN THE PRESENCE OF:

MARY JOY ALEROSO KENNEDY BELMONTE

(Signature over Printed Name/Date) (Signature over Printed Name/Date)
WITNESS WITNESS

ACKNOWLEDGMENT
REPUBLIC OF THE PHILIPPINES) SANTA
ROSA CITY) SS.

BEFORE ME, a Notary Public for and in the City of Santa Rosa Laguna,
personally appeared:

Name ID and ID Number Date/Place Issued

Marcalyn Flores Apeta UMID 0111-9626098-6 Manila, Philippines
Lorie Jane Almazora Passport P6853749B 05-22-21 NCR North
Kennedy Belmonte City ID 13400000869910 11-16-22 Quezon City
Mary Joy Aleroso Passport P7558071A 6-16-18 NCR South

known to me and to me known to be the same persons who executed the

foregoing instrument and acknowledged to me that the same are their free act
and voluntary deed.

This instrument, consisting of five (5) pages, including the page on which
this acknowledgment is written, has been signed on the left margin of each and
every page thereof by the concerned parties and their witnesses, and sealed with
my notarial seal.

WITNESS MY HAND AND SEAL on this ___ day of

__________________20__ at Santa Rosa City, Laguna.

Notary Public
Doc. No. __
Page No. __
Book No. __
Series of 2023.