Honey Export-SP-3

1) Since this is a Murabaha contract involving buying and selling or exporting abroad, there is no provision for investors to exit in case of emergencies. This is because we will purchase the products and export them abroad, thus we cannot return your investment before the project closure.

2) Duration of Investment

The total investment amount will be - 1,22,00,000

This investment will be for 3 Months.

3) Projected ROI(Return of Investment)

The return on investment (ROI) will be 36% annually. In three (3) months, the investor will receive a halal dividend of 9% (excluding service charges).

4) Investment Part

Here, the minimum investment would be 20,900 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 136,000 TK, excluding service charges (100,000 TK as the investment part and 36,000 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 transferring the liability to the Grow Up authority. Any losses incurred after handing over the product to the agent/merchant are not shared with the investors. Therefore, there will be no loss sharing from the business after the handover of the product 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 concerning buying and selling or exporting abroad.
• The process will involve a "buy-and-sell or export to abroad" arrangement, where investors will initially purchase products (such as Khalisha Honey) through Grow Up and subsequently export or sell the product through Grow Up as well.
• Grow Up will serve as an agent for the investors, procuring the products, assuming ownership and the associated risks of asset possession on their behalf, and then proceeding to sell or export them abroad.

8) Risk Factor

According to our calculations, although the risk factor stands at 5%, the Grow Up highly expert team is confident in their ability to mitigate and manage these risks effectively, as outlined previously.

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