Special Project (Export) - 3

1) Since this is a Murabaha contract for buying, selling, or exporting abroad, investors don't have an option for an emergency exit. We buy the products and export them, so we cannot return your investment before the project's closure.

2) Duration of Investment

The total investment amount will be - 89,59,000

This investment will be for 3 Months.

3) Projected ROI(Return of Investment)

The return on investment (ROI) will be 37% annually. In three (3) months, the investor will receive a halal dividend of 9.25% (excluding service charges).

4) Investment Part

Here, the minimum investment would be 10,000 TK, or investors can invest up to the project limit. Halal dividends will be disbursed every three months.

For example, if someone invests 100,000 TK (one lakh taka), they will receive 137,000 TK, excluding service charges (100,000 TK as the investment part and 37,000 TK as the profit part in a year).

5) Loss Sharing

Grow Up is a Shariah-compliant project, and according to the Murabaha Principle, investors bear no responsibility for any business losses after handing over the product to the merchant. Hence, there will be no loss sharing from the business after the product is handed over to the merchant.

6) Service Charge

Grow Up will apply a 5% service charge on investors' profit. It should be noted that all of the mentioned ROI above are provided after excluding this service charge.

7) Contract Conditions

• Investors will enter into a Murabaha Agreement with Grow Up Authority regarding buying, selling, or exporting abroad.
• It will involve a "buy-and-sell or export to abroad" process where investors will initially purchase products through Grow Up and also handle the export/sale of the products through Grow Up.
• Grow Up will serve as an agent for the investors, facilitating the purchase of products, assuming necessary ownership and asset possession risks on their behalf, and subsequently handling the selling or exporting abroad.

8) Risk Factor

Based on our calculations, although the risk factor stands at 5 percent, Grow Up's highly skilled team is well-equipped to manage and mitigate these risks, as outlined in our previous discussion.

9) Payment Delay

Grow Up has conducted an in-house analysis of the projected returns of the business and expects to be able to repay on time, barring any unforeseen risk factors.

10) Security

Grow Up provides the following documents to investors:

- Contract Deed (300 tk Stamp)

- Security cheque

- Money Receipt

- Guarantor

- Copy of Authorized deed