Contract & 2nd Deposit Confirmation

An annuity can be used in real estate sales as an alternative to receiving a single lump-sum payment. In such a scenario, the seller transfers property ownership to a buyer in exchange for a series of regular income payments, which can be for a fixed term or for the rest of the seller's life (a life annuity).

Transaction Overview

Contract ID: ANI-2025-0042

Property Address: Carrera 15 # 101 - 25, Apto 402, Chico Navarra, Usaquen, Bogota D.C., 110111

Annuity Type: Occupied Life Annuity

Status: Active

Financial Details

Initial Sum (Bouquet): $150,000.00 CAD

Regular Fixed Payment (Annuity): $2,500.00 CAD / Monthly

Next Payment Due: Nov 30, 2025

Total Paid to Date: $35,000.00 CAD

Parties Involved & Administration

Seller (Annuitant) Name: Christian Ndela Ngamwanya

Buyer Name: Felipe Santiago Vargas Quintero

Broker Admin Residency: Montreal Office - Agent ID: 456 (Administrates customers receiving initial lump-sum payment, securing lifelong income stream, and allowing them to remain in their home in an occupied life annuity scenario.)

Buyer Benefits Tracked: Acquires property at reduced price, spreads purchase cost over long period, can take possession/rent out (Free life annuity only).

Files Performing the Contract

Signed_Contract_REA_2025_0042.pdf
Title_Deed_Transfer_Nov_1st_2025.pdf
Buyer_Solvency_Verification.pdf
Payment_Schedule_Indexation_Clause.xlsx

Dear Valued Customer,

Thank you for continuing your journey with us. We are pleased to confirm the successful receipt of your Second (2^ND) Deposit.

Your continued engagement confirms your status as a high-value client with a positive Customer Lifetime Value (CLV). This transaction solidifies our ongoing relationship and reinforces the benefits of our repurchase model in fostering loyalty and continuous engagement.

You have successfully completed and signed all four necessary files/agreements related to your buyback program participation. We congratulate you on this milestone!

For your records, a consolidated PDF file containing all four of your contract & 1st signed deposit documents is available for download below:

Download My Trading Receipt

Real Estate Sale & Operational Information

Telework Streamline Staff: The implementation of efficient telework strategies has resulted in streamlined staff operations, contributing to an estimated efficiency saving of $3,008.08.

Broadcast Programming Note: Strategic planning and scheduling (broadcast programming) is key to attracting and retaining target audiences, a principle we apply to all our operational planning.

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Transaction Overview & Scenario Breakdown (Including Staff Collective/Group):

This payment is integrated into a conceptual business scenario involving customer relationship management and our product repurchase mechanism, which helps us better manage resources, including staff for your collective or group:

Customer Lifetime Value (CLV): Your purchasing history and engagement data confirm you are a profitable and reliable client, demonstrating a positive CLV.
Buyback Program Participation: You engaged in our product buyback program (e.g., trading in an old device for credit towards a new one), allowing us to regain an asset, refurbish it, and retain you as a valuable customer.
Receipt of 2nd Deposit: This second payment secures your new product and solidifies our ongoing relationship with a high-value client.

Next Steps (Real Estate Transaction settlement):

To finalize the process (similar to a property transfer), please follow the steps below:

Step 1: Appraisal negotiate
Step 2: Mortgage commitment
Step 3: Review preliminary settlement statement
Step 4: Transfer utilities
Step 5: Pre-settlement walkthrough
Step 6: Settlement
Step 7: Proceeds distributed, property transferred
Step 8: Finish.