SINGKING FUND AGREEMENT

Jesmaria B. Cabreros, with a principal place of business at _____________________("Contributor"), and

_____________________, with a principal place of residence at ___________________ ("Member").

Collectively referred to as the "Parties."

1. Purpose:

The purpose of this Agreement is to establish a sinking fund for the mutual benefit of the Participants.
The sinking fund shall be used to accumulate funds for investment purposes to gain interest and
dividends.

2. Contributions:

Each Participant agrees to contribute a fixed amount of 200.00 on the 5th and 20th of every month until
December 5th, 2024.

The total collection of the sinking fund will gain interest at a rate of 10 percent monthly.

3. Penalties:

If a Participant fails to contribute the fixed amount of 200.00 on the 5th and 20th of any month, they
shall incur a penalty of 5 percent of the missed contribution.

The penalty shall be deducted from the Participant's next contribution.

4. Borrowing Option:

Participants are allowed to borrow up to twice the amount of their savings in the sinking fund.

The borrowed amount shall accrue interest at a rate of 10 percent monthly.

5. Administrator's Obligation:

The Administrator hereby acknowledges and agrees that it is their obligation to fulfill the terms of this
Agreement, including but not limited to the investment and release of funds as specified herein.

The investment with a monthly interest rate of 10 percent on each Participant's contributions shall be
released to the Participants before December 15, 2024.

Additional Agreement

WHEREAS, the Contributor and the Member have previously entered into an agreement concerning
contributions to a sinking fund (the "Fund"); and

WHEREAS, the Parties wish to establish terms under which the Member may withdraw from
contributions to the Fund, and the conditions under which any contributed amounts will be withdrawn.

NOW, THEREFORE, in consideration of the mutual covenants and agreements contained herein, the
Parties hereby agree as follows:

Cessation of Contributions

If the Member decides to stop or does not continue their contributions to the Fund, they must notify the
Contributor in writing at least thirty (30) days in advance.

Withdrawal of Funds

Upon cessation of contributions by the Member, any amounts contributed by the Member up to that
point will be eligible for withdrawal without interest.

The withdrawal of these funds will occur on the second week of December of the same year in which
the Member ceases their contributions.

The withdrawal will be processed by [specific date] in the second week of December.

No Interest

The withdrawn funds will be disbursed without any interest accrued regardless of the duration the funds
were held in the Fund.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of [Your
State/Country], without regard to its conflict of laws principles.
Entire Agreement

This Agreement constitutes the entire agreement between the Parties with respect to the subject
matter hereof and supersedes all prior agreements and understandings, both written and oral, between
the Parties with respect to such subject matter.

Amendments

No amendment or modification of this Agreement shall be effective unless in writing and signed by both
Parties.

Severability

If any provision of this Agreement is held to be invalid or unenforceable, the remaining provisions will
remain in full force and effect.

IN WITNESS WHEREOF, the Parties have executed this Agreement as of the day and year first above
written.

__________________

Member
Borrower Agreement

This Borrower Agreement ("Agreement") is made and entered into as of _________, by and between:

Jesmaria B. Cabreros, with a principal place of business at Tuyan City of Naga, Cebu ("Lender"), and

____________________, with a principal place of residence at ______________________ ("Borrower").

Collectively referred to as the "Parties."

RECITALS

WHEREAS, the Lender agrees to lend a specified amount to the Borrower, and the Borrower agrees to
repay the amount along with applicable interest under the terms and conditions set forth herein.

NOW, THEREFORE, in consideration of the mutual covenants and agreements contained herein, the
Parties hereby agree as follows:

Loan Amount:_______________

The Lender agrees to lend to the Borrower, and the Borrower agrees to borrow from the Lender, the
principal amount of [Loan Amount] ("Principal").

Interest Rates

The monthly interest rate for the borrowed amount is ten percent (10%).

If the Borrower chooses to borrow the amount for two months, the total interest will be twenty percent
(20%).

Payment Terms
The total repayment amount, including the Principal and applicable interest, will be divided and paid as
follows:

For a one-month loan term, the repayment amount (Principal + 10% interest) will be divided into two
equal payments.

For a two-month loan term, the repayment amount (Principal + 20% interest) will be divided into four
equal payments.

Payment Schedule

For a one-month loan term, payments will be made every half of the month starting 15 days after the
loan disbursement.

For example, if the loan is disbursed on June 1, payments will be due on June 16 and July 1.

For a two-month loan term, payments will be made every half of the month.

For example, if the loan is disbursed on June 1, payments will be due on June 15, June 30, July 15, and
July 30.

Calculation of Payments

The total repayment amount for a one-month loan will be calculated as follows:

Total Repayment Amount = Principal + (Principal * 10%)

Each payment installment = Total Repayment Amount / 2

The total repayment amount for a two-month loan will be calculated as follows:

Total Repayment Amount = Principal + (Principal * 20%)

Each payment installment = Total Repayment Amount / 4

Early Repayment

The Borrower may repay the entire loan amount earlier than the scheduled dates without any
prepayment penalties.

Default

If the Borrower fails to make any payment on the due dates, a late fee of [Late Fee Amount] will be
charged, and the Lender reserves the right to take legal action to recover the owed amounts.

Governing Law
This Agreement shall be governed by and construed in accordance with the laws of [Your
State/Country], without regard to its conflict of laws principles.

Entire Agreement

This Agreement constitutes the entire agreement between the Parties with respect to the subject
matter hereof and supersedes all prior agreements and understandings, both written and oral, between
the Parties with respect to such subject matter.

Amendments

No amendment or modification of this Agreement shall be effective unless in writing and signed by both
Parties.

Severability

If any provision of this Agreement is held to be invalid or unenforceable, the remaining provisions will
remain in full force and effect.

IN WITNESS WHEREOF, the Parties have executed this Agreement as of the day and year first above
written.

Jesmaria B. Cabreros

Lender

________________________

Borrower