Money Tree · ZM Summit Holdings
Money Treeby ZM Summit Holdings

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Money Tree Summary Agreement

Terms of use of the app and summary of the Narra program · Version MT-SA-2026-11

This summary is between you and ZM Summit Holdings OPC (SEC Reg. No. 2025040199236-09), 30 Pisces St., Pag-ibig Homes, Catalunan Grande, Davao City. It is not the full investment contract. If your application is approved, you will receive the Narra Investment Agreement to print, fill in, sign and return. That signed agreement governs your savings.

A. Using the Money Tree app

  1. By invitation only. Access is personal to you. Don't share your control number or password. ZM Summit may accept or decline any application and may turn off access.
  2. Projections, not statements. Simulator figures are illustrations based on the rates you enter. They are not your balance and not a promise of returns.
  3. Accurate details. Keep your details correct and tell us when they change.
  4. Your data. We collect your name, email, contact details and application records to evaluate your application, run the program and meet legal duties, in line with the Data Privacy Act of 2012 (RA 10173). You may ask to see or correct your data at any time.

B. The Narra program in brief

  1. Amounts. Start with ₱5,000 to ₱75,000. Top up with ₱500 or more. Top-ups close once your balance reaches ₱75,000.
  2. Term. 5 years from the date of your first payment. No withdrawal before maturity, except in case of death or permanent disability.
  3. Flexible dividends. Starting at 7% a year. Each year's rate is declared after ZM Summit's net income is computed and approved, so it may go up or down.
  4. Your choice. Have dividends compounded, or paid out to you every year.
  5. Tax. No tax is deducted from your dividends. ZM Summit pays any tax due on them.
  6. Maturity. Claim your savings at maturity. If left in, they earn at the last declared rate for 2 more years, then stop earning and are held as an amount payable to you.
  7. Risks. Narra is offered only by ZM Summit. It is not a Pag-IBIG product and not a bank deposit, and it is not insured by the PDIC. Your returns depend on ZM Summit's ability to pay. Invest only money you won't need for 5 years.
  8. No commitment yet. Submitting this application doesn't create an investment or an obligation to pay. Nothing is owed by either side until your application is approved and you sign the Narra Investment Agreement.
Water your tree

Add a top-up

Every top-up of ₱500 or more grows a new branch, until your Narra balance reaches ₱75,000.

BankChina Banking Corporation (Chinabank)
Account nameZM Summit Holdings OPC
Account number106300016300
  1. Send ₱500 or more by bank transfer or deposit.
  2. Reply to your welcome email with the amount, date and reference number.
  3. We'll record it and send your receipt. Your new branch grows as soon as it's recorded.
New Narra account

I am Ready To Grow My Tree

Deposit first, then send us a photo of your deposit slip or transfer receipt.

Deposit to · China Banking Corporation (Chinabank)ZM Summit Holdings OPC · 106300016300
Photo of your deposit
Money Tree · by invitation