I MONETARY ADVISORY

Estd. 2006
Come Towards Halal Income
Secret of SUCCESS, Stop RIBA

www.imonetaryadvisory.com | info@imonetaryadvisory.com | Contact : 080-4517 4517

I MONETARY ADVISORY

IMA DAHAB CENTER

(A UNIT OF I MONETARY ADVISORY)

IMA JEWELS
(A UNIT OF I MONETARY ADVISORY)

I M ADVISORY PVT. LTD.

IMA BUILDERS & DEVELOPERS

(A UNIT OF I M ADVISORY PVT. LTD.)

IMA BULLION & TRADING SERVICES LTD.

IMAIP BULLION TRADING LLP.

MMK INSTITUTE OF EDUCATION LLP.

IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP.

IMAW JEWELLERY LLP

I MONETARY ADVISORY COUNCIL CHARITABLE SOCIETY

NEHRU ENGLISH HIGH SCHOOL

(A UNIT OF I MONETARY ADVISORY COUNCIL)

FRONTLINE HEART AND LUNGS CENTER AND POLICLINIC

(A UNIT OF I MONETARY ADVISORY COUNCIL)

FRONTLINE PHARMA
(A UNIT OF I MONETARY ADVISORY COUNCIL)

FRONTLINE DIAGNOSTICS
(A UNIT OF I MONETARY ADVISORY COUNCIL)

IMA PUBLISHERS PVT. LTD.

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Mohammed Mansoor Khan

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About IMA – I Monetary Advisory (TM)

IMA – I Monetary Advisory (TM)
st
IMA is India's 1 Monetary Advisory Service Built on Islamic Financial System Using HALAL Trading Platform.
IMA is pioneer in the business of Precious Metals such as Physical Gold and Silver in Indian Bullion's Market.
IMA's Business Research and Development Team is expertise in Business Technical Analysis, Fundamental
Analysis and Investment Analysis, Advisory and Consultancy in Bangalore – Karnataka – India and the First
Technical Analysis Training and Technical Analysis Software Development Company to Form an “Advisory
cum Investment Strategy using Halal Trading Platform”.

IMA was established 9 Years ago in 2006. In amidst of a Global meltdown that can easily be remembered as
one of the most volatile times in the recent history of the Global Markets. With an experience of Dealing
with More than 8.5 Thousands Clients today we have remerged as one of the most Premier consulting
companies in Bangalore. We go by our Success Principle “Fairness”, “Transparency”, and “Integrity”. IMA
has not only kept promise of educating investors but also have been pioneers in liberalization of cost
effective products and tools required for analysing Global Bullion's Market using Islamic Financing System
(IFS). IMA has more than 11,500+ families under various Monetary Advisory Services Built on Islamic
Financial System.

IMA was Designed, Structured and Executed in Bangalore with clear intension of abolishing RIBA (Usury)
from the Indian Community. IMA made a team of consultants who have years of experience and technical
research expertise 7 follow a strict philosophy of capital preservation. With the use of advance Charting
technology and simulated Algorithms we provide a list of advisory services that are suitable for a wide
audience. Hard Work, Motivation, Innovation along with a continue Education Process of our Consultant
has helped us emerge as a leader in our domain. IMA insatiable desire to create nothing less that the best
research and consulting platform for our clients that will help transform their investment activities as the
main driving force behind our endeavours. IMA's has designed a wide variety of services for the short,
medium and long term advisory planning in the Bullion's Market.

The use of advanced technical tolls helps us provide for unmatched accuracy. We give due importance to
Risk Management of Clients Positions as we believe it to be the stepping stone of profiting from the short
term market volatility. IMA has expertise in Bullion's (Gold Bars Silver Bars and Other Precious Metals
Bars.)and ferrous Metal (Ferrous Metal include Mild Steel, Carbon Steel, Stainless Steel, Cast Iron, and
wrought Iron). IMA invest only in Indian Bullion's Market which is subject for physical delivery. IMA has
mainly confirmed with Ullama-e-Ikram and has concluded that these kinds of transactions are free from
(Usury) and since Physical Delivery of the units is possible it's Islamically Legal. Profit and Loss is subject to
market risk.

IMA has developed its own IMA-FAT (IMA-Financial Analysis Tools) which is built on Islamic Financial
Systems. IMA-FAT was developed in the year 2006 and has been upgrading on its features based on Global
scenarios. IMA-FAT has been developed solely by IMA team and is not for sale. IMA-FAT was designed after
extracting experiences of Ullama-e-Ikram of 16 different countries in Umm Al-Qura University Kingdom of
Saudi Arabia. IMA-FAT is capable of performing the following exercises: IMA-FAT has a wining ratio of 30%
to 40%. IMA team is working day and night for its up-gradation, based on the Current and Future Global
Scenarios. IMA-FAT works on 11 principles with a strict Risk to Reward Ratio of 1:3.

IMA Production Team has Certified in the following : ADVANCED MODULES: MCX Certified Commodity
Professional ( MCCP), Capital Market Dealers Module (CMDM), Derivatives Market Dealers Module
(DMDM), Bullion's Market Module, Investment Analysis and Portfolio Management , Fundamental
Analysis Module, Operations Risk Management Module, Banking Sector Module , Insurance Module,
Macroeconomics for Financial Markets Module, NSDL-Depository Operations Module , Compliance
Officers Corporate Module, Technical Analysis Module, Back Office Operations Module, Wealth
Management Module, Financial Services Foundation, Issue Management Module , Market Risk Module ,
Financial Modelling Course. IMA IT Team is certified in the following: MCITP, MCPD, MCTS, MCSD, MCA,
MCP, MCSA, MCSE, MCDBA, MCDST, MOS, CCNA, CCNP, and CCIE.
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st
2. How IMA is India's 1 Monetary Advisory Service Built on Islamic Financial System?

With over 8000+ Exchange Licenses issued to Trading Member, Trading Cum Self Clearing Member,
Professional Clearing Member each one of them are directly or indirectly involved in the following
segments such as Futures & Option Segment, Currency Derivatives Segment Debt Segment or WDM
segment.

Other Portfolio Managers while deciding the Clients Portfolio makes sure to include all these segments in
the contract. Whereas IMA strictly stays away from all these segments and decides clients portfolio based
on the following products: GOLD, Silver, Copper, Zinc, Lead, Nickel and Platinum. And also ensure physical
delivery which includes 1% VAT. IMA does not participate in Intra-day Trading, Hedging Strategies, Future
Trading and Option Trading. IMA generates its studies based on IMA_FAT Software which helps to analyse
Short, Medium and Long Term Investment Strategies.

Other Portfolio Managers guarantee a minimum to maximum annual returns in percentage. Whereas IMA
does not guarantee any fixed returns neither projects future returns. IMA assures returns based on market
volatility. Profit and Loss is Subject to Market Risk. IMA also assures the safety and security of the invested
Amount. IN case of Deficit in Principal Amount, IMA calls upon for Members Permission to continue future,
once member grants Permission IMA Continues until principal is recovered, recovery period is set for 3
months. Member is not eligible for pay-out profits in recovery period.

Other Portfolio Managers: Charges 3% at the time of investment, 2% to 2.5% up-front fee on the invested
amount, 1% to 3% Fund Management Charges per annum, 30% Profit Sharing Fixed fee on yearly profit, No
guarantee on principle amount. Whereas IMA does not charges a single rupee. IMA provides these services
absolutely free. IMA is solely responsible for all kind of Charges applied by Govt of India such as BUY TAX,
SEL TAX, SERVICE TAX and VAT.

Other Portfolio Managers: have a locking period of 12months, 24months and 36months.If client wants to
discontinue the portfolio, and Portfolio Managers will charge 4% Advance Service Charge from the invested
amount. Whereas IMA does not have any locking period. IMA and the IMA Client can dissolve this
agreement with a prior notice of 30 working days. The invested amount will be paid in the form of National
Electronic Fund Transfer by IMA. Which can be cleared in the next 7 working days from the date of issue. The
Client will NOT be eligible for Profit in the Notice period.

Other Portfolio Managers: Trades or invests using DEMAT Account. Whereas IMA directly purchases
Physical Bullion's Products from Indian Commodity Warehouse. Client can avail physical delivery of the
commodity immediately after purchase. 1% VAT is charged as per Govt of India rule. Client can track Fund
Transactions and Products Procurement details through Online Tracking System.

3. How IMA uses Halal Trading Platform?

IMA uses the restricted model of Mudarabah (Al-Mudarabah Al-Muqayyadah). Mudarabah is a special kind
of partnership where one partner provides the capital (Rabbul-Maal) to the other (Mudarib Al Amin) for
investment in a commercial enterprise. In Mudarabah investment is the sole responsibility of Rabbul-Maal.
The Rabbul-Maal has no right to participate in the management which is carried out by the Mudarib Al
Amin only. In Mudarabah the loss if any is suffered by Rabbul-Maal only because the Mudarib Al Amin does
not invest anything. His loss is restricted to the fact that his labour has gone in vain and his work has not
brought any fruit to him.
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However, this principle is subjected to a condition that the Mudarib Al Amin had worked with due diligence
which is normally required for the business of that type. If he has worked with negligence or has committed
dishonesty, he shall be liable for the loss caused by his negligence or misconduct. Here the liability of
Rabbul-Maal is limited to his investment, unless he has permitted the Mudarib Al Amin to incur debts on his
behalf. Here all the goods purchased by the Mudarib Al Amin are solely owned by the Rabbul-Maal, and the
Mudarib Al Amin can earn his share in the profit only in case he sells the goods profitably. Therefore, he is
not entitled to claim his share in the assets themselves, even if their value has increased.

Distribution of Profit: The distribution of profit must be pre-determined by the two parties. Furthermore,
the amount of profit of profit ascribed to either of the parties must be independent of the capital amount,
dependent solely on the actual profit realized by the commercial enterprise. That is, the profit assigned to a
party cannot be a percentage of capital amount contributed as that would be considered a fixed return, or
interest. The profit assigned to either of the parties cannot be a lump sum amount either as this would also
constitute interest. As such, the only determination of profit distributed that is permissible is based on the
actual profit earned by the enterprise. The Shari'ah does not restrict or specify proportions to be
distributed between the parties, leaving it to the best judgment of the two independent parties.

Termination of Mudarabah: The mudarabah contract can be terminated by either of the two parties at any
time as long as a notice, per the contract terms, is given to the other party. Furthermore, jurists are of the
opinion that a maximum term of the Mudarabah contract can be set, where after the contract is terminated
automatically. Also are of the opinion that no term restricted can be added to the mudarabah contract. All
jurists agree that one may not specify a minimum term of the Mudarabah contract.

The general concept of Islamic Finance is based on Shari'ah Law prohibits imputing a fixed rate of interest,
acceptance of fees or charges on loans is called Riba or Usury. The practice of usury or charging of interest
on loans is contrary to the Islamic principles of the Muslims called Har'aam or forbidden. This ideology was
adopted by the Islamic banking, financial institutions, and non-profit organizations within the Muslim
community. It is an Islamic dogma forbidding lending out money with interest rate. The Islamic rules on
transactions are provided for in the Fiqh al-Muamalat. Money's lent out earn benefits through profit and
loss sharing of Islamic financing which is commonly called as Mudharabah in Arabic. Wadiah is the Islamic
term for safekeeping. Musharakah is a joint venture of any particular business in the Arab countries.
Murabahah refers to cost plus contract, and Ijar for finance lease. The financial systems in the Arab
countries operate under the provisions of the Shariah Law. Therefore, Shariah Law in the legal point of view
are more focused on banking industry, micro financing, entrepreneurship, politics, economics, as well as
religion as the bottom line of this Islamic law, and considers the guiding principle of the Muslims in the real
life situation.

Interest is not a subject without trade and commerce. Islam recognizes and commerce not only as a lawful
profession but also as a moral duty. Islam has laid down a complete set of rules of trade. The reason for
these rules is to specify what halal earning is. There are many traditions (Ahadith) concerning halal
provision that can also be found in the books containing the traditions of the prophet (peace be upon him).

Actually, Islam has encouraged men to earn their own provision and to provide it to their families. The
condition is that the earning has to be according to the conditions set by the Shari'ah. Any sort of
transaction that does not correspond to the rules of trade will not be allowed. These rules can be found
under the heading of trade in the books of jurisprudence. Interest is amongst those conditions which all
dealings must be free from.

Electronic Trading Platform: In finance, an Electronic Trading Platform is a computer system that can be
used to place orders for financial products over a network with a financial Intermediary. This includes
products such as Stocks, Bonds, Currencies, Commodities and Derivatives with a financial intermediary,
 6

such as Brokers, Market Makers, Investment Banks or Stock Exchanges. Such platforms allow electronic
trading to be carried out by users from any location and are in contrast to traditional floor trading using
open outcry and telephone based trading. In Electronic Trading Platform the Trading Member is required to
maintain a minimum balance in its DEMAT Account, failing which the Trading Member will be charges
INR.500/-per annum as interest. Whereas IMA has created its own back office monitoring system which
helps clients to monitor its investment. IMA does not charge any kind of interest if client fails to maintain A
MINIMUM BALANCE in IMA account. More over IMA uses only SPOT MARKET Segment and strictly avoids
SHARES TRADING, CURRENCY TRADING, AGRO COMMODITY TRADING, AGRO COMMODITY INVESTMENT
and Derivatives in Commodity Market. IMA does not apply any service charges to its investors.
4. What are the fundamentals and core business products of IMA?
IMA's main trading products are Gold and Silver. IMA has 40% exposure to Gold, 50% exposure to Silver and
10% exposure to other metals like Copper, Nickel, Zinc, Aluminium, Lead and Platinum. IMA purchases
physical commodity items from Indian Bullion's Warehouses situated in Bangalore, Chennai, Ahmadabad,
Mumbai, New Delhi and Hyderabad. IMA Clients can avail physical delivery of commodity products on the
same day of purchase. The Product is delivered based on the current market value of INDIAN BULLION'S
SPOT MARKET. 1% VAT is chargeable on the spot value of the delivered products.
5. How IMA invests in Physical Gold and Physical Silver and other Commodities?
IMA procures physical commodity products from Indian Bullion's Warehouse situated in Bangalore,
Chennai, Ahmadabad, Mumbai, New Delhi and Hyderabad. IMA procures on behalf of IMA Clients in bulk
quantity. RS. 20/ Kgs. is been paid for labour charges, vault charges, safety and security etc. If client requires
physical delivery, client needs to pay 1% VAT and Transportation Charges. Based on IMA-FAT procurement is
been decided, IMA-FAT has a winning ratio of 30% to 40%. A proper risk to reward ratio is been maintained
to reduce the risk on Investment for short term investors.
6. IMA's business module is designed on Risk to Reward of 1:3% which is been achieved by
following 12 best business principles. Explain all 12 business principles and RR of 1:3%?
IMA has developed a sophisticated investment analysis strategies which works the following principals:
Risk Management Trade to Algorithmic Conversion
Technical Analysis Market evaluation of 7 States Trade Zones
Fundamental Analysis Global Demand and Supply Monitoring
Investment Analysis Volume Distribution of FII's/DII's/Govt. Inst.
Product Analysis RSS FEEDS to Algorithmic Conversion
E-News to Digital Data Conversion 1:3 RR predicts future P/L

7. IFS - Islamic Financial System is a mass subject. Please explain which business module is
been used by IMA. And how does IMA implement IFS. Also explain in detail how IMA
educated it's self about IFS?

IMA educated its self about IFS - Islamic Financial System from various authentic Scholars such as
MOULANA MUFTI TAQI USMANI book of “AN INTRODUCTION TO ISLAMIC FINANCE” and from “KITAB AL
AMWAL” by ABU UBAYD QASIM BIN SALLAM. IMA has also confirmed its business module from Darul Ifta
Deoband and Darul Ifta Nadwatul Ulama.
8. IMA has mentioned certain sections about Islamic Financial System which is been used
as a business process. Provide evidence in the guidance of Qur'an and Hadith?

After investigating for evidence in Qur'an and Hadith IMA has found that Surah Room, Surah An-Nisa, Surah
Al Imran and Surah Al Baqarah has strictly prohibited the believers to avoid usury. Hadith of Ibn Majah No.
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2274 has proven the devastative consequences of adopting usury. Moreover commentary extracted from
Moulana Mufti Taqi Usmani's books has provided more clear understanding on IFS and IBM.
9. What is Portfolio Management System explain in detail?
The concept of Portfolio Management System is to supervise the procurement and resell of products for
clients affiliated with Physical Gold Investment and Physical Silver Investment. Under PGI and PSI advisory
client agrees to partner with IMA for a minimum period of 5 years.
10. IMA has claimed that IMA has consulted Ullama Ikraam about IMA's business module.
Mention the name of Islamic Institution's and Ullama Ikraam and their point of view.
IMA has consulted IMA's business process with Imminent Islamic Scholars in Bangalore and has also obtained legal
approvals from Darul Ifta Deoband and Darul Ifta Nadwatul Ullama. For more details please contact IMA Advisory
Office.
11. What is e-Series explain in detail. How business is done through e-Series? Is custody of the
product possible in e-Series? How is the payment done through e-Series to procure products?

E-Series is a mode of business transaction introduced by National Spot Exchange in the year 2008 and had
Shariah Compliant Certified by AL TASIS GROUP Mumbai and attested by Moulana Mufti Saifullah Rehmani.
According to NSEL one could place order and make payment for the products bought and sold through
internet and claim custody of the products in physical format through authorised warehouses of NSEL.
When SEBI conducted an audit on NSEL's warehouse to its knowledge it found that warehouse were
transacting without holding any inventory which later shut down NSEL exchange. Since then IMA withdrew
its positions from NSEL and started dealing in Physical Gold and Physical Silver and other Metals.
12. Gold physical delivery process explain in detail?
The quotation value of Gold shall be in Rs. per 10 grams. Ex-Ahmedabad (inclusive of all taxes and levies
relating to import duty, customs but excluding Sales Tax and VAT, any other additional Tax or surcharge on
Sales Tax, Local Taxes and Octroi). The maximum order size shall be 10 Kgs. Clients requesting for delivery of
more than 1 Kg of Gold need to have a Trading License and TAN Number. The tick size (minimum price
movement) of Gold shall be Rs.1 per 10 grams. The Gold delivery shall be of 999.9% purity and it must be
serially numbered Gold bars supplied by LBMA (The London Bullion Market Association) Approved
suppliers or other suppliers as may be approved by Govt. of India to be submitted along with supplier's
quality certificate. All charges related to disposition of commodity, labour charges, vault charges, safety
and security etc. shall be borne by IMA. IMA members shall be aware about the applicable taxes in case of
physical delivery.
13. Silver physical delivery process explain in detail?
The quotation value of Silver shall be in Rs. per Kg. Ex-Ahmedabad (inclusive of all taxes and levies relating
to import duty, customs but excluding Sales Tax and VAT, any other additional Tax or surcharge on Sales Tax,
Local Taxes and Octroi). The maximum order size shall be 600 Kgs. Clients requesting for delivery of more
than 100 Kgs of Silver need to have a Trading License and TAN Number. The tick size (minimum price
movement) of Silver shall be Rs.1 per 1 Kg. The Silver delivery shall be of 999.9 % purity and it will be serially
numbered Silver bars supplied by LBMA (The London Bullion Market Association) Approved suppliers or
other suppliers as may be approved by SEBI to be submitted along with supplier's quality certificate. All
charges related to disposition of commodity, labour charges, vault charges, safety and security etc. shall be
borne by IMA. IMA members shall be aware about the applicable taxes in case of physical delivery.
14. How do I Invest in IMA?
One needs to create a Partnership Account with IMA Standard operational procedures are conducted with
proper documentation. Once the Client ID is generated one can invest through their individual accounts.
For more details contact IMA Advisory Team.
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15. What are the terms and conditions of contract that is been agreed between IMA and IMA's Client.

Following are the terms and conditions of contract that is been agreed between IMA and IMA's Client:
1. One needs to create a Partnership Account with IMA. Standard operational procedures are
conducted with proper documentation. Once the Client ID is generated one can invest
through their individual accounts. For more details contact IMA Advisory Team.
2. Documents required to create a Partnership Account with IMA are as follows: PAN CARD, ID
PROOF, BANK ACCOUNT, 5 PHOTOS, NOMINEE, KYC FORM, CANCELLED CHEQUE and
ADDRESS PROOF. Mode of investment are as follows: DD, CHEQUE, NEFT and RTGS.
3. Client permits IMA (i.e.) Rabbul Maal allows Mudarib Al Amin to access its IMA account to
buy and sell products. IMA maintains individual Client Accounts and procure commodity as
per individual investment.
4. IMA does not utilise funds of client “A” to client “B”. IMA maintain separate ledgers for every
individual.
5. IMA solely takes responsibility of the invested amount in a capacity of Trustee (Al Amin). If
investor withdraws investment IMA returns back the Physical Commodity procured or
present market value of the commodity. IMA does not charge any Service Charges to
maintain client's investment.
6. If the product value drops and clients invested amount is in deficit, Client also agrees to wait
to exit market positions or to sell physical products unless market value recovers from deficit
value.
7. Investor or Client is solely responsible for Profit and Loss for transactions done under its
account. Profit and Loss is subject to Market Risk. Profit and Loss are also subject to Market
volatility.
8. IMA does not guarantee any percentage of profit. Profit and Loss is subject to Market Risk.
9. IMA does not guarantee any fixed Date for profits settlement. Profit and Loss settlements is
subject to trades conducted. Trade, Transactions and Profit/Loss settlements can be tracked
on online tracking system logon to www.imonetaryadvisory.net
10. Client or Investor agrees for both Profit and Loss occurred in market and agrees to accept
any percentage of profit deposited after deductions of TAX and also agrees for any
percentage of Loss deposited after deductions of TAX. Client can avail Physical Delivery of
Commodity at any point in time after paying 1%VAT to the Govt. Trade, Transactions and
Profit/Loss settlements can be tracked on online tracking system logon to
www.imonetaryadvisory.net
11. IMA does not guarantee any sequence of profit sharing such as monthly, quarterly or
annually. Profit and Loss is subject to Market Risk. Profit and Loss are also subject to Market
volatility.
12. For more details please login to www.imonetaryadvisory.com or contact IMA Advisory
Team.
13. If client plans to withdraw the investment, one needs to inform IMA Accounts and fill an
investment return form. A prior notice of 30 working days that is approximately 45 days is
mandatory. IMA does not charge any service charges or penalty charges if client withdraws
investment.

16. Under different circumstances how the profit is distributed between IMA investors?

Purchase of physical commodity is been done on client to client basis. Accumulative procurement is done in
case if client does not need a physical delivery. At any point in time if client demands for the physical
delivery, the said quantity is been delivered within 12 working hours. All precious metals above 1000 grams
are LME certified.
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17. How to create an Account in IMA?

Approach IMA advisors for more details.
18. What are the Documentation required to invest in IMA?
Address Proof, ID Proof, PAN Card, 5 photos and a Cancelled Cheque.
19. What are the mode of Payments to invest in IMA?
RTGS, NEFT, DD or Cheque.
20. What is the Safety and Security of the Invested amount in IMA?
IMA's process of safety and security of the Invested Amount is based on the Islamic Business policy under
section Mudarabah Al-Muqayyadah – Clause 1 (Al Amin): In case of deficit in Principal Amount, IMA calls
upon for Members permission to continue further Business, once Member grants permission IMA
continues business until principal is recovered, recovery period is set for 3 months. Member is not eligible
to pay-out profits in recovery period. If member declines permission, IMA will stop trading and return back
the remaining principal amount. Trade is based on the volatility of the Global Spot Market and Profit and
Loss is subject to market risk.
21. What is the Safety and Security of the profits generated in IMA's Investors Account?
IMA's process of safety and security of the Invested Amount is based on the Islamic Business policy under
section Mudarabah Al-Muqayyadah – Clause 1 (Al Amin): IMA has developed its back office application
which tracks all product transactions and financial transactions. IMA does not guarantee on returns. IMA
has agreed to invest on behalf of the IMA Member Account Holder in Indian Bullion's Market and has
assured returns based on Market Volatility. Profit and Loss is Subject to Market Risk
22. What % of returns will the IMA's Investors receive on his Investment?
IMA's past track record since 2006 to 2013 IMA has delivered profit ranging between 0%-171% per annum.
Moreover IMA does not guarantee on the fixed profit at any point of time. Investors are sleeping partners of
the company and are directly subjected to Profit and Loss that the company occurs. Profit and Loss is been
decided on every trade done based on the Analytical studies. Trade details are shared with the Investors on
regular intervals and the same can be tracked online. IMA has agreed to invest on behalf of the IMA
member Account Holder in Indian Bullion's market and has assured returns based on market volatility.
Profit and Loss is subject to market Risk.
23 What are the Service Charges to be paid to maintain IMA’s Client Account ?
IMA does not charge any service charges to maintain IMA’s Client Account. IMA's efforts are to provide a
legal platform to Indian community to Invest in accordance with the Islamic way of Business and earn a RIBA
free income. Moreover IMA is trying all its best to give a strong monetary support to the Indian Bullion's
Market and Govt. of India. IMA is optimistic that since 40% of Indian population are Muslims and that 40%
of population has the ability to make our India a Global Financial Capital by using Business of Harmony,
Islamic Financial System.

24. How does IMA maintain IMA's office expenses, IMA's Investors expenses and other expenses?
What are the sources of income to IMA to fulfil these expenses?
1. To maintain a client IMA spends INR 1000 per head or more.
2. Other expenses like Head office Rent, Advisory office Rent, Warehouse Rent and Vault charges, Security
charges, Transportation charges, Staff's salary, Electricity bill, Water bill, Stationaries and other office
expenses. Below mentioned flow chart describes IMA EXPENSES MODULE in detail.
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IMA EXPENSE MODULE

IMA Retail Portfolio IMA Corporate Portfolio IMA Council

Expenses IMA CP Profit IMA IV Expense

50% 50%
Client Maintenance IMA RP Expense IMA IV Expense
Ration Supply to 2700 Houses Since
Office Expense 2006 in Bangalore
Taking Care of 7 Girls & 7 Boys
Internal Audit Expense Madrasa & 200 Makatibs
(6000 Students in South India)
Audit Expense Paying Electrical City & Water Bills
of 80 Masjids Since 2012
Governmental Fee
Installed more than 300+ Water Filters
Database Development in Masjids & Madrasa
Built 1 Madrasa for 2000 Students
Training & Awareness in Bharpuri
Built 1 Madrasa for Girls in Silghatta
Locker Charges Installed 121 Borewells in
Masjids & Madrasa across India
Security Charges Sponsored more than 300+ Major
Operations
Transport Charges Sponsoring 38 Dialysis Patience every Month
INDIA’S 1st Monetary Advisory Service Built On
Islamic Financial System Using HALAL Trading Platform Sponsoring 2700 Students with
Secret of SUCCESS, Stop RIBA 80% Scoring in School

25. How different is IMA from other PMS Companies?

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26. Do IMA have online monitoring system to track trades and other transactions in
IMA's Investors Account?

Yes IMA has an Online Trade Tracking System, which can been accessed from any Computers, Tablets and
Mobile Phones. IMA-OTS has been Architected, Designed and Developed and has been maintained in the
cloud system. IMA-OTS has been customized as per Online Net banking System. Access to IMA-OTS has
been restricted to IMA Staff and IMA Clients.

27. How IMA Hierarchy works?

MD. CEO

CFO CTO CPM MD - COO

Legal (2) Accounts (4) CA Back Office (4) HR Advisory Head ATM Support

Technical Analyst Fundamental Analyst Investment Analyst Data Analyst RM Security TM Transport TM Evaluator

28. What are IMA's Mission and Vision?

IMA IV FY 2005-06 IMA IV is a Social Responsibility of IMA org.

Under IMA IV following are the Missions which are been

undertaken.

1. Ration Supply for 2700+ Houses in Karnataka since 2009

(Includes all Communities)
2. Permanent Education Facility to 2700 students in
Karnataka (Includes all Communities)
3. Constructed 3 Islamic Schools where more than 2000
Aalims / Hafiz / Moulvi's are attending regular classes. (1 in
Bihar and 2 in Karnataka)
4. IMA is responsible of 80 Masjids in Karnataka. IMA pays
Imam's Salary, Mouzans Salary, Watchman's Salary
Electricity Bills and Water Bills.
5. IMA has performed more than 300+ Complicated Medical
Procedures for under privileged Indian Citizens. (Includes
all Communities)
Delivers free Al Quran Al Kareem 36.75 Lakhs Copies in
different languages and more than 100
different publications. (Available for all Communities)
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29. What are the different IMA Advisory Plans?

IMA PGI Physical Gold Investment (Launched in 2006) Advisory experts suggest to hold positions for a
minimum period of 60 months for a concrete results. Profit and Loss settlement is done on annual basis. No
lock in period is implemented for IMA-PGI. Investors can withdraw investment with a prior notice of 30
working days. Investor can avail Physical delivery of Commodity by paying 1% VAT, Transportation Charges
and Security Charges. Profit and Loss sharing is been calculated on yearly basis. Profit and Loss is subjected
to market volatility and market risk. Investor is solely responsible for profit and loss occurred in the
business.

IMA PSI Physical Silver Investment (Launched in 2006) Advisory experts suggest to hold positions for a
minimum period of 60 months for a concrete results. Profit and Loss settlement is done on annual basis. No
lock in period is implemented for IMA-PSI. Investors can withdraw investment with a prior notice of 30
working days. Investor can avail Physical delivery of Commodity by paying 1% VAT, Transportation Charges
and Security Charges. Profit and Loss sharing is been calculated on yearly basis. Profit and Loss is subjected
to market volatility and market risk. Investor is solely responsible for profit and loss occurred in the
business.

IMA INCOME PLAN (Launched in 2009) Advisory experts suggest to hold positions for a minimum period of
12 months for a concrete results. Profit and Loss settlement is done on monthly to quarterly basis. No lock
in period is implemented for IMA-IP. Investors can withdraw investment with a prior notice of 30 working
days. Investor can avail Physical delivery of Commodity by paying 1% VAT, Transportation Charges and
Security Charges. Profit and Loss sharing is been calculated on yearly basis. Profit and Loss is subjected to
market volatility and market risk. Investor is solely responsible for profit and loss occurred in the business.

IMA EDUCATION PLAN (Launched in 2013) Advisory experts suggest to hold positions for a minimum period
of 12 months for a concrete results. Profit and Loss settlement is done on annual basis. No lock in period is
implemented for IMA-EP. Investors can withdraw investment with a prior notice of 30 working days.
Investor can avail Physical delivery of Commodity by paying 1% VAT, Transportation Charges and Security
Charges. Profit and Loss sharing is been calculated on yearly basis. Profit and Loss is subjected to market
volatility and market risk. Investor is solely responsible for profit and loss occurred in the business.

IMA WEDDING PLAN (Launched in 2014) Advisory experts suggest to hold positions for a minimum period
of 60 months for a concrete results. Profit and Loss settlement is done on annual basis. No lock in period is
implemented for IMA-WP. Investors can withdraw investment with a prior notice of 30 working days.
Investor can avail Physical delivery of Commodity by paying 1% VAT, Transportation Charges and Security
Charges. Profit and Loss sharing is been calculated on yearly basis. Profit and Loss is subjected to market
volatility and market risk. Investor is solely responsible for profit and loss occurred in the business.

IMA GOLD LOAN PLAN (Inshaa'Allah to be launched in 2016-Muharram) Under Back Testing

IMA SAVINGS PLAN (Inshaa'Allah to be launched in 2018-Muharram)

IMA MEDICAL PLAN (Inshaa'Allah to be launched in 2020-Muharram) Under Back Testing

IMA HOUSING PLAN (Inshaa'Allah to be launched in 2023-Muharram) Under Back Testing

 14

LIMITED LIABILITY PARTNERSHIP AGREEMENT

OF IMAIP Bullion & Trading LLP /
MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP
(As per Section 23(4) of LLP Act, 2008)

PARTIES OF FIRST THREE PARTS SHALL BE DESIGNATED PARTNERS AND PARTIES OF FOURTH AND ABOVE PARTS SHALL BE REFERRED TO
AS PARTNERS.
(ALL THE FOURTH AND ABOVE PARTS SHALL BE COLLECTIVELY REFERRED TO AS PARTNERS)
This Agreement of LLP made at Bengaluru this 6th day of January, 2016

BETWEEN

1. Mr. Mohammed Mansoor Khan, son of Abid Ali Khan, aged about 40 years. DIN NO. 06688319, which expression shall, unless it be
repugnant to the subject or context thereof, include their legal heirs, successors, nominees and permitted assignees and hereinafter
called the Party of the FIRST PART,

2. Mr. Nasir Hussain, son of Riyaz Ur Rehaman, aged about 34 years, DIN NO. 06688310 which expression shall, unless it be repugnant to
the subject or context thereof, include their legal heirs, successors, nominees and permitted assignees and hereinafter called the
Party of the SECOND PART,

3. Mr. Naveed Ahmed Nattamkar son of Abdul Rasheed, aged about 33 years, DIN NO. 06868160, which expression shall, unless it be
repugnant to the subject or context thereof, include their legal heirs, successors, nominees and permitted assignees and hereinafter
called the Party of the THIRD PART,

PARTIES OF FIRST THREE PARTS SHALL BE DESIGNATED PARTNERS AND PARTIES OF FOURTH AND ABOVE PARTS SHALL BE REFERRED TO
AS PARTNERS.
(ALL THE FOURTH AND ABOVE PARTS SHALL BE COLLECTIVELY REFERRED TO AS PARTNERS)
NOW
Parties of all the PARTNERS are interested in continuing the Limited Liability Partnership under the Limited Liability Partnership Act 2008
and that they intend to write down the terms and conditions of the said formation and

IT IS HEREBY AGREED BY AND BETWEEN THE PARTIES HERE TO AS FOLLOWS

INTERPRETATION :
In this Agreement unless the context otherwise requires: -
“Accounting Year” means the financial year as defined in the LLP Act, 2008.
“Act” or “LLP Act” means the Limited Liability Partnership Act, 2008.
“Business” includes every trade, profession service and occupation.
“Change” means a change in the constitution of the body of Partners or Designated Partners other than their admission afresh.
“Designated Partner” means any partner designated as such.
“LLP” means the limited liability partnership formed pursuant to this LLP Agreement.
“LLP Agreement” means this Agreement or any supplement thereof determining the mutual rights and duties of the partners and their
rights and duties in relation to the LLP.
“Partner” means any person who becomes a partner in the LLP in accordance with this LLP Agreement.
“She” includes “He” or vice versa.

A Limited Liability Partnership shall be carried on in the name and style of M/s. IMAIP BULLION AND TRADING LLP AGREEMENT / IMAIP Bullion &
Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP and herein after called as IMAIP
Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP.

ADDRESS:
1. The IMAIP BULLION AND TRADING LLP AGREEMENT / IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP
/ IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP shall have its registered office at “Nandi Complex” No.56/5, 2nd
Floor, Bowring Hospital Road, Shivajinagar, Bangalore 560 001 and/or at such other place or places, as shall be agreed to
by the majority of the partners from time to time.
 15

CONTRIBUTION AND RIGHTS:

2. Contribution
a) The Contribution of the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP shall be Rs. 4,96,00,000/- (Rupees Four Crore Ninety Six Lakhs only) which shall
be contributed by the partners in the following proportions:
b) Further Contribution required by the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLPshall be brought by the partners as mutually decided by all Designated-
partner/partner/partners.
c) If at any time after the commencement of the Partnership as IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION
LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP any further capital shall be required for the purposes of the
LLP, the same shall be additionally contributed by the then Partners in their respective proportion of capital contributions
made, unless otherwise agreed upon by all the then Partners.
d) The obligation of a Partner to contribute (i) money or (ii) other property or benefit or to perform services [in the case of (ii)
its money's worth as determined in the agreement with the Partner therefore as equivalent to his share of contribution of
capital] to the LLP under this Agreement, shall be a debt due from him to the LLP. The liability of a partner or designated
partner in relation to the LLP shall be as set out in the Act and in particular every partner shall indemnify the LLP in so far as
every partner may take part in its management. It is a condition of this Agreement that the LLP shall indemnify each Partner
in respect of payments made and personal liabilities incurred by him (a) in the ordinary and proper conduct of business of
the LLP, and (b) in or about anything necessarily done for the preservation of the business or property of the LLP.
e) There shall be no limit on the number of Partners to be admitted at any time and from time to time.
f) This LLP Agreement along with the LLP's Certificate of Incorporation should be laid before a special general meeting of the
Partners to be held within 30 days of the LLP's registration, and it shall be the responsibility of all Designated Partners of the
LLP to comply with the same.
g) After the LLP's registration, it may reimburse the Promoter-Partners the costs of promotion and registration, legal fees, cost
of printing and stamp duties and all other direct costs at accruals according to the account rendered to the LLP by the
Promoter-Partners, with the approval of the general meeting of Partners mentioned in (e) above.
h) The LLP shall have a Common Seal and it shall be laid before and adopted at the general meeting mentioned in (f) above. The
Common Seal shall be affixed to any document or contract with approval of and in the presence of at least two of the
Designated Partners of the LLP, on each occasion.
i) All the assets owned by or belonging to the LLP including the Intellectual Property Rights (IPRs) of whatever kind shall be the
property of the Designated Partners of LLP and no new partner/partners shall be entitled to use for himself any such
property otherwise than as a client or customer.
j) No resolution or decision carried by a majority of Partners of the LLP shall be valid to be given effect to unless it includes the
Designated Partners being the original Parties hereto.

PROFIT/LOSS SHARING:

3. All the Partners of the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS
MODULE LLP are entitled to share profit and losses in the ratio of their respective contribution in the IMAIP Bullion & Trading LLP / MMK
INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP.

OBJECTS OF IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP.
The business of the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS
MODULE LLP shall be trading in Gold, Silver, Jewellery, Ornaments and other Metals and to invest or subscribe for purchase or otherwise, to
carry on the business generally carried on by as per Islamic Sharia Compliance. To invest, buy, sell, transfer, and deal in any commodity bullion,
any metal, and to borrow money in such manner as the LLP shall think fit to carry on the objectives of the LLP. The immovable properties
purchased by the LLP shall be clear, marketable and free from all encumbrances.

All kind of packing materials, Bullion and Species, All Kind of Precious Semi Precious Stone Jewellery, All kind of Dry Fruits, All kinds of
Jewellery and Articles Studded or non Studded, All kind of Jewellery and Articles with Precious and Semi Precious Stones, All kinds of frames and
spares, All kinds of Travel Baggages, Purses, Hand Bags, School Bags, All kinds of Silver, Gold, Diamonds, Platinum Jewellery and Artificial
Jewellery, All kinds of Sign boards and Hoardings, All kinds of Furniture, All kinds of Glass and Glass Articles, All kinds of Leather Goods, All kinds
of Foot ware, All kinds of imitation jewellery and cosmetics, gift items etc. All kinds of audio, video and music
systems/equipments/parts/cds/cassettes/tapes, All kinds of watches and clocks, All kinds of complementary items etc for sales and promotion,
All kinds of cooling systems and its spares, All kinds of software development and website development, hardware and software installation,
network administration and system administration, e-commerce sales of gold and silver bars, e-commerce sales of other precious metals, All
kinds of e-commerce sales of gold silver platinum and diamond jewellery, All kinds of e-commerce sales of artificial jewellerys, garments, leather
items, electronic items, All kinds of pens and its spares, we batteries and its spares, All kinds of machinery and spares of making testing of jewels,
All kinds of manufacturing machinery.
 16

To purchase any land, plot(s) of land or immovable property or any right or interest therein either single or jointly or in Partnership with any
person(s) or Body corporate or LLP and to develop and construct thereon residential, commercial complex or complex(es) either singly or jointly
or in partnership as aforesaid, comprising offices for sale or self-use or for earning rental income thereon by letting out individual units
comprised in such building(s). To purchase any movable or immovable property including industrial, commercial, residential, or farm lands,
plots, buildings, houses, apartments, flats or areas within or outside the limits of Municipal Corporation or other local bodies, anywhere within
the Domain of India, to divide the same into suitable plots, and to rent or sell the plots for building/constructing residential houses, bungalows,
business premises, and colonies and rent or sell the same and realize cost in lump sum or easy installments or by hire purchase system and
otherwise. To purchase, sell and otherwise to carry on the business such as builders, contractors, architects, engineers, Estate agents,
decorators and surveyors.
To generate, harness, develop, transmit, trade and accumulate electric power by wind, solar, tidal and other sources of energy; and supply and
distribute such generated power, either directly or through State Electricity Boards or Power Trading Corporation or Transmission companies or
Distribution companies and to establish, construct and maintain necessary power stations and to generally generate, accumulate, bank,
transform, distribute, transmit, trade, supply and deal in power generated by Solar energy and obtain necessary approval from regulatory
authorities for carrying out such business.
To Develop Multi Speciality Hospital, Polyclinic, Secondary Care Hospitals, Diagnosis Centre, Pharma.
INTELLECTUAL PROPERTY, FIXED ASSETS & GOODWILL:
4. a) The following intellectual property or assets shall be included as the property of and shall belong to the Designated Partners
of IMAIP Bullion & Trading LLP all domain names, website data and coding, all images (whether graphics or photographs),
customer data, existing and future commercial agreements with outside third parties and all goodwill associated with the
above.
b)Furthermore, all office equipment, materials and any other property shall also belong to the LLP.
c) All other relevant goodwill built-up in the LLP shall also belong to the LLP.
d) A valuation of the Assets, effects and of the Goodwill including the partnership name shall be made at three times the average net Yearly
profits of the Preceding five years or the commencement of the LLP, whichever is less, for the purpose to determine the amount due to such a
Partner who has exited, and the payment shall be met by the partners remaining with the LLP in proportion to their respective capital
Contribution on the date of his exit within six (6) calendar months from the date of exit, any delay beyond, attracting interest @ 0% (zero %) per
annum from the date of expiry of the said six months till the actual date of payment. On such a Payment being made the share of the Partner
exited in the goodwill shall stand vested in the remaining Partners of the LLP.
ADMISSION OF NEW PARTNER-(INDIVIDUAL)
5. a. No Person shall be partner in IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT
BUSINESS MODULE LLP unless he reads understands and sign the
I. ANNEXURE- II Risk Disclosure Document: IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP
ii. ANNEXURE- III Rights and Obligations of company, partners, sleeping partners, authorized persons and clients
iii. ANNEXURE-IV Guidance Note – Do's and Don'ts for the clients
b. No Person shall be introduced as a new partner without the consent of all the existing Designated Partners Only. Such incoming
partner shall be individual partner, giving his prior consent to act as Partner (Individual) of the IMAIP Bullion & Trading LLP / MMK
INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP
c. Persons admitted as partners shall duly comply with the provisions of section 25(1) of LLP Act and Rule 22(1) and
Form 6 of the LLP Rules & Forms, 2008 within a period of 15 days of any change in the name and address, to intimate
the LLP.
6. The Contribution of the partner may be tangible, intangible, Moveable or immoveable property. Contribution of an
incoming partner will be mutually decided by all the existing partners.
7. The Profit/Loss sharing ratio of the incoming partner/s will be mutually decided by the existing Partners.
8. A person who has any business interest in conflict with the business of the LLP shall not be admitted as its Partner,
and any Partner who acquires such conflicting interest shall cease to be and be expelled as a Partner by a
unanimous decision of the partners.
RIGHTS OF PARTNER
9. All the partners hereto shall have the rights, title and interest in all the assets and properties in the said IMAIP
Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP in the
proportion of their Contribution.
10. Every partner has a right to have access to and to inspect and copy any books of the IMAIP Bullion & Trading LLP / MMK INSTITUTE
OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP
11. Each of the parties hereto shall be entitled to carry on their own, separate and independent business as either to they
might be doing or they may hereafter do as they deem fit and proper and other partners and the IMAIP Bullion &
Trading LLP /MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP shall have no objection
thereto provided that the said partner has intimated the said fact to the IMAIP Bullion & Trading LLP/ MMK INSTITUTE OF
EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP before the start of the independent business and moreover
he shall not use the name of the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP to carry on the said business.
 17

12. IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP shall have
perpetual succession, death, retirement or insolvency of any partner shall not dissolve the MMK INSTITUTE OF EDUCATION LLP / IMA
WOMEN EMPOWERMENT BUSINESS MODULE LLP
13. If the Premises, Plant and machinery and Furniture of any partner is utilized by the LLP, the same shall carry Rent/Hiring Charges as
mutually agreed upon. If any of the employees of the existing business of any partner is utilized for the business of the LLP, the
same shall be at stipulated rate and with all the benefits as continuous service
RETIREMENT AND DEATH OF PARTNER
14. On retirement of a partner, the retiring partner shall be entitled to full payment in respect of all his rights, title and interest in the
partner as herein provided. However, upon insolvency of a partner his or her rights, title and interest in the IMAIP Bullion &
Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP shall come to an end. Upon
the death of any of the partners herein any one of his or her heirs will be admitted as a partner of the IMAIP Bullion & Trading LLP / MMK
INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP in place of such deceased partner with
the permission of all remaining partners as on date. The heirs, executors and administrators of such deceased partners shall be entitled to
and shall be paid the full payment in respect of the right, title and interest of such deceased partner.
15. On the death of any partner, if his or her heir opts not to become the partner, the surviving partners shall have the option to
purchase the contribution of the deceased partner in the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA
WOMEN EMPOWERMENT BUSINESS MODULE LLP.
EXPULSION OF THE PARTNER
16. This provision of this Agreement shall operate as an express agreement of the partner: A partner may not be expelled by
unanimous decision of the partners save in good faith and in the interest of the partnership business only after a show-cause
notice in writing is served on that partner/ partners giving 7 days' time for his/their response; and in that event the partner
expelled shall be entitled to the benefits of a retiring Partner in accordance with provisions of this Agreement in that behalf.
17. No majority of Partners can expel any designated partner/s.
CESSATION OF EXISTING PARTNERS
18. Partner may cease to be partner of the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP by giving a notice in writing of not less than three months to the other designated
partner/partners of his intention to resign as partner.
19. No majority of Partners can expel any partner except in the situation where any partner has been found guilty of carrying on
` activity/business of IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS
MODULE LLP with fraudulent purpose.
20. The IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP can be
wound up with the consent of all the partners subject to the provisions of Limited Liability Partnership Act 2008.
21. On the resignation of any partner, the remaining partners shall have the right to continue the same business either jointly with
others or in proprietorship in the same or different name as mutually decided.
DUTIES OF PARTNERS
22. Every partner shall account to the limited liability partnership for any benefit derived by him without the consent of the limited
liability partnership from any transaction concerning the limited liability partnership, or from any use by him of the property, name
or any business connection of the limited liability partnership.
23. Every partner shall indemnify the limited liability partnership and the other existing partner for any loss caused to it by his fraud in
the conduct of the business of the limited liability partnership.
24. Each partner shall render true accounts and full information of all things affecting the limited liability partnership to any partner or
his legal representatives.
25. No case any of the Partners of the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT
BUSINESS MODULE LLP desires to transfer or assign his interest or shares in the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF
EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLPhe has to offer the same to the Designated Partners only.
26. Each partner shall
a) Punctually pay and discharge the separate debts and engagement and indemnify the other partners and the IMAIP Bullion &
Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP assets against the same and
all proceedings, costs, claims and demands in respect thereof
b) Each of the Designated Partners shall give time and attention as may be required for the fulfilment of the objectives of the IMAIP
Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP business and they
all shall be the working partners.
27. No partner shall without the written consent of all partners of IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA
WOMEN EMPOWERMENT BUSINESS MODULE LLP
a. Employ any money, goods or effects of the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP or pledge the credit thereof except in the ordinary course of business and upon the account or
for the benefit of the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS
MODULE LLP
b. Lend money or give credit on behalf of the IMAIP Bullion & Trading LLP / /MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLPor to have any dealings with any persons, company or
firm whom the other partner previously in writing have forbidden it to trust or deal with. Any loss incurred through any breach of
provisions shall be made good with the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP by the partner incurring the same.
 18

c. Enter into any bond or becomes surety or security with or for any person or do knowingly cause or suffer to be done anything
whereby the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE
LLP property or any part thereof may be seized.
d. Assign, mortgage or charge his or her share in the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP or any asset or property thereof or make any other person a partner therein.
e. Compromise or compound or (except upon payment in full) release or discharge any debt due to the IMAIP Bullion & Trading
LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP except upon the written consent
given by the other partners.
28. The Designated Partners shall be responsible for the doing of all acts, matters and things as are required to be done by the limited
liability partnership in respect of compliance of the provisions of this Act including filing of any document, return, statement and
the like report pursuant to the provisions of Limited Liability Partnership Act, 2008.
29. The Designated Partners shall be responsible for the doing of all acts arising out of this agreement.
30. The IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP may pay
such remuneration, to such Designated Partners/Partners as may be decided by all the Partners, for rendering his or their services as such.
31. The IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP shall
indemnify and defend its partners and other officers from and against any and all liability in connection with claims, actions and
proceedings (regardless of the outcome), judgment, loss or settlement thereof, whether civil or criminal, arising out of or resulting from
their respective performances as partners and officers of the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA
WOMEN EMPOWERMENT BUSINESS MODULE LLP except for the gross negligence or willful misconduct of the partner or officer seeking
indemnification.
32. Duties relating to Development, Sale and Marketing of the Products of LLP and Administration of the business shall be borne by all
the partners.
WITHDRAWAL OF CAPITAL
33. Partner shall withdraw the capital amount at the end of the financial year. Every Partner may withdraw Capital standing to his
credit as mutually decided. In such a case the Capital along with profit/loss as on date shall be paid to him without any goodwill.
BUSINESS TRANSACTIONS OF PARTNER WITH LLP
34. A Partner may lend money to and transact other business with the LLP, and in that behalf the Partner shall have the same rights
and obligations with respect to the loans or other business transactions as a person who is not a Partner.
MEETING
35. All the matters related to the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT
BUSINESS MODULE LLPas mutually decided by all partners shall be decided by a resolution passed unanimously by all partners. For the
purpose of all Meetings each person shall have one vote.
36. The meeting of the Partners may be called by sending 7 days' prior notice to all the partners at their residential address or by mail
at the Email id's provided by the individual Partners in writing to the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP /
IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP. In case any partner is a foreign resident the meeting may be conducted by serving
15 days' prior notice through email. Provided the meeting be called at shorter notice, if majority of the partners agrees in writing to the same
either before or after the meeting.
37. The meeting of Partners shall ordinarily be held at the registered office of the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF
EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLPor at any other place as per the convenience of Designated
Partners.
38. With the written Consent of all the partners, a meeting of the Partners may be conducted through Teleconferencing.
39. Every limited liability partnership shall ensure that decisions taken by it are recorded in the minutes within thirty days of taking
such decisions and are kept and maintained at the registered office of the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION
LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP.
EXTENT OF LIABILITY OF ELEGANZ INTERIO LLP
40. IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP is not bound
by anything done by a partner in dealing with a person if
a. The partner in fact has no authority to act for the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP in doing a particular act; and
b. The person knows that he has no authority or does not know or believe him to be a partner of the IMAIP Bullion & Trading LLP / MMK
INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP.
MISCELLANEOUS PROVISIONS
41. The limited liability partnership shall indemnify each partner in respect of payments made and personal liabilities incurred by him.
I. In the ordinary and proper conduct of the business of the limited liability partnership; or
II. In or about anything necessarily done for the preservation of the business or property of the limited liability partnership.
42. The accounting year of the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS
MODULE LLPshall be from 1st April of the year to 31st March of subsequent year. The first accounting year shall be from the date of
commencement of this IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS
MODULE LLP till 31st March of the subsequent year.
BOOK OF ACCOUNTS
43. All necessary books of account and other papers relating the affairs of the LLP as prescribed under Rule 24 of LLP Rules & Forms,
2008 pursuant to section 34(1) of the LLP Act 2008 shall be ensured by the designated partners for the time being to be kept at the
principal place of business of the LLP or at other place or places as mutually agreed upon by all the Partners, and regularly
maintained on cash basis or accrual basis and according to double entry system of accounting with all books duly posted with
entries arising from day to day up-to-date on any day so as to give a true and fair view of the state of affairs of the LLP. Such books of
account shall not be removed from the designated place of business without the consent of all the Partners. Each Partner shall
have access and be entitled for taking a copy or an extract of any books of account or related papers of the LLP.
 19
ANNUAL STATEMENTS OF ACCOUNTS AND SOLVENCY
44. The Designated Partners of the LLP shall, within a period of six months from the end of each financial year, prepare the Annual
Statements of Accounts and Solvency for the financial year as at its last day of all the capital contributions, assets and liabilities and
of the profits and losses of the LLP, and the same shall be signed by each Designated partners of the LLP as required under section
34(2) of the Act in token of his being bound thereby. If, in the event, any Partner refuses to sign the Annual Statements of Accounts
and Solvency giving no valid reason, a copy of the same shall be posted to him by Registered Post Acknowledgment Due to his last
known address as supplied by him to the LLP, and same shall be deemed to have been signed by him on the date of such posting.
AUDIT
45. The Statements of Accounts and Solvency of the LLP made each year shall be audited by a qualified Chartered Accountant in
practice in accordance with the rules prescribed under section 34(3) of the LLP Act, 2008, namely, Rule 24 of the LLP Rules &
Forms, 2008. It shall be the responsibility of the Designated Partners of the LLP to comply with Rule 24 of the said Rules in every
respect.
DIVISION OF ANNUAL PROFIT OF THE LLP
46. As soon as the Annual Statements of Accounts and Solvency shall have been signed by the Partners and the same duly audited and
the auditor rendering his report thereon, the net profits, if any, of the LLP business, shall be divided between the Partners in the
proportion specified in and in accordance with the provisions of this Agreement.
47. The Designated Partners have the following additional powers and responsibilities:
(a) To retain any existing Auditors for the following Accounting Period;
(b) To appoint new Auditors;
(c) To remove any existing Auditors from their office;
(d) The power to agree to the rate of remuneration for any Auditors.
(e) At the end of each Accounting Period a profit and loss and balance sheet shall be prepared and audited in accordance with all
relevant financial reporting standards, including the disclosure of Partner's interests in the LLP and further notes or information
and in a format as required by the Act
(f) The Partners shall meet and approve the accounts, in accordance with the Act.
(g) After approval, the accounts will become binding upon all Partners.
(h) After approval, each Partner will receive a copy of the accounts in accordance with the Act.
BANKING
48. (a) All funds of the Partnership business shall be deposited in its name in such banking account or accounts as shall be determined
by the Designated Partners. All withdrawals are to be made by Cheques signed Singly by Mohammed Mansoor Khan
Designated Partner and all instructions for the electronic transfer of funds from any LLP account shall be in writing signed
Singly by Mohammed Mansoor Khan Designated Partner only.
(b) The writing and signing of cheques or instructions for electronic transfers will only be done for the business purposes of the
LLP, any personal use is strictly prohibited and would breach any Partner's duties and responsibilities to the LLP.
MANAGEMENT OF THE LLP
49. (a) Partners' right to participate in the management of the LLP shall be as provided in this Agreement and otherwise it is
restricted to:
I. Ratification of this LLP Partnership Agreement post-incorporation of the LLP;
ii. Any alteration to this LLP Agreement;
iii. The admission of new Partners;
iv. Appointment of Designated Partner;
v. Raising further capital;
vi. Acceptance of Annual Accounts and Solvency and the Auditor's Report thereon;
vii. Assignment and transfer of partnership rights, by the Partners in any way;
viii.Expulsion of any Partner;
ix. Any proposal of the LLP to make an application to the Central Government that the affairs of the LLP ought to be investigated;
x. Change of business;
xi. Any sale or merger or amalgamation of the LLP with another entity or the incidence of any extraordinary loss or jeopardy or
'waste' to the property of the LLP as defined in section 66 of the Transfer of Property Act, 1882, warranting the appointment of
a Receiver; and
xii. (a) Winding up and dissolution of the LLP.
In deciding all the matters specified above shall require a unanimous decision of all the Designated Partners (excluding the Partner who is going
to be expelled) and each Partner shall have one vote each irrespective of their capital contribution to the LLP's capital. The decisions so taken
shall be recorded in the minutes within thirty days of the general meetings and the same kept at the registered office of the LLP.
(b) The Designated partners appointed by the LLP shall be responsible both for business management in its entirety and
compliance management under the LLP Act and this Agreement. The management of the LLP shall be carried on jointly by the
Designated Partners being the original Parties hereto as agreed upon mutually between them by themselves or otherwise so
however that they shall be the first Designated partners to be named in the Incorporation Document submitted for the LLP's
registration and to be answerable for the doing of all acts, matters and things as are required to be done by the LLP in respect of
 20

compliance of the provisions of the LLP Act, 2008 in terms of sections 7,8 and 9 of the said Act. The Partners may appoint more
Designated Partners by a 75% majority vote of the Partners present at a meeting of Partners duly called and held at any time and
from time to time out of the Partners whose contribution to the capital of the LLP at the material time of appointment is not less
than 16% of the total capital contribution as of that date, provided all the Partners Being Parties to this Agreement as originally
made approve the names proposed. The Designated Partners may by their unanimous decision delegate their powers to any one
or more Designated Partners or any top-ranking officers of the LLP as they may consider fit or necessary in the management of the
affairs of the LLP at any time or from time to time and similarly withdraw the same.
(c ) Every Partner appointed as a Designated Partner by a majority of the Partners as stated in (2) above shall be
entitled to take part in the management of the LLP.
(d) Any matter or issue relating to the LLP shall be decided by a majority in number of the Designated Partners which shall in every
case include the Partners being the original Parties here to so long as they continue as the designated Partners of the LLP.
(e) Banking arrangements for the LLP shall be as unanimously decided by the Designated Partners at any time and from time to
time, ensuring that all moneys received subject to requirements of current expenses, by way of Cheques, drafts or other pay
orders shall be promptly paid into the LLP's banking account.
(f) Each Partner shall render true accounts and full information of all things affecting the LLP to the Designated Partner(s) and on
request to any Partner or his legal representative.
(g) All decisions of the Partners shall be taken at meetings called by a notice in writing or by circular resolutions in cases of urgency.
Meetings in which all Partners are entitled to participate to deliberate and decide on the matters specified in Para 52(1) above
shall be called general meetings, and the meetings of the Designated Partners shall be called Executive Meetings. The provisions
as are applicable to calling, holding and conducting/adjourning etc., of general meetings and Board meetings and keeping of
minutes of such meetings of pure private companies limited by shares under the companies Act, 1956, shall apply respectively to
the said two kinds of meetings, excluding the special resolutions, requisitioned resolutions special notices, special business and
explanatory statements, requisitioned meetings and default meetings and the related jurisdiction as well as powers of the
Court/Tribunal/Central government conferred under the said Act. Every such meeting shall be called by any Designated Partner on
the basis of a decision of the Executive Meeting or by circular resolution passed by majority of Designated Partners in any exigency.
(h) A resolution circulated in writing and signed by a majority of the Partners and/or Designated Partners, as the case may be,
depending upon whether it is a business to be transacted at a General Meeting or Executive Meeting, including the Partners who
are the original Parties to this Agreement in every case, shall be deemed to be duly passed, the date of passing such circular
resolution being the date of the signature of the person signing last.
WINDING UP
50. The IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP can be
wound up with the consent of all the partners subject to the provisions of Limited Liability Partnership Act 2008.
TERMINATION & DISSOLUTION
51. If any time owing to losses or any other cause what so ever one-fourth of the entire capital of the LLP shall have been lost or not
represented by available assets or there exists reasonable cause of apprehension that a call on the Partners to contribute further
capital of 25% or more of the entire capital of the LLP is imminent in order to carry on its business as a solvent entity, a majority in
value of the Partners may require the LLP to be dissolved and wound up as if the same has occurred by efflux of time.
ARBITRATION
52. (a) All the matters not expressly provided in this agreement shall be decided by the consent of all the Partners in writing. Failing
that all disputes and questions about and in connection with the LLP under this Agreement arising between the Partners or
between any one of them and the legal representative of the Partners or with the LLP at any time and from time to time, shall be
settled by conciliation or by arbitration as provided under the Arbitration and Conciliation Act, 1996 as if the parties to the dispute
have consented in writing for determination of the same as aforesaid and the provisions of the said Act apply accordingly.
(b) If any question arises whether the dispute relates to formation, management or business of the LLP, the question shall be referred
to the arbitrator, whose decision thereon shall be final.
ALTERATION OR AMENDMENT
53. No alteration to or amendment or change in this LLP Agreement including any change of business of the LLP in terms of para 8 of
the First Schedule to the LLP Act shall be valid unless it is reduced to writing as a Supplement to this Agreement duly accepted by
every Partner of the LLP by himself or his legal representative(s), as on the relevant date of alteration, amendment or change.
ENTIRE AGREEMENT, SEVERABILITY & WAIVER
54. (a) The forgoing constitutes the entire agreement between the Parties here to on the subject-matter.
(b) If any part of this Agreement is held by any Court or authority of competent jurisdiction as void or without effect it shall be limited
to that extent and be binding on all parties here to at the relevant time as a severable part there of with nothing to affect the rest of
this Agreement.
(c) A failure or a waiver of exercise of any right or power or benefits under this agreement by a Partner or Designated Partner or on
their behalf shall not operate as a waiver of the same forever during the term of this agreement nor any delayed exercise of any
right or power or benefit by a Partner or Designated Partner or on their behalf under this Agreement deemed as a waiver.
 21

ANNEXURE-1
RISK DISCLOSURE DOCUMENT
IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT
BUSINESS MODULE LLP

IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP expressly guarantees
the representation concerning the completeness, adequacy or accuracy of Disclosure Documents. While, the Exchanges do not expressly or
impliedly guarantee, nor do they make any representation concerning the completeness, adequacy or accuracy of such Disclosure Documents.
Also, the Exchanges do not endorse or pass any merits of participating in the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP /
IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP. This brief statement does not disclose all the risks involved nor explains other significant
aspects of trading. You should, therefore, study various aspects of Trading carefully before getting involved into this. In view of risks involved, you
should undertake transactions only after you thoroughly understand the nature of Contractual Relationship, you are entering into, and also the
extent of your exposure to risks.
You must know and appreciate that, investment in Commodity / Bullion or other instruments traded on the Commodity / Bullion Exchange(s),
which possesses varying elements of risks, is generally not an appropriate avenue for someone who has limited resources and/or limited
investment or trading experience or having low risk tolerance. You should, therefore, carefully consider whether such trading is suitable for you,
in view of your financial conditions. Still, you decide to trade on the Exchange(s) and suffer adverse consequences or incur losses, then, in such
cases, you shall be solely responsible for the same and that, the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP shall not be responsible, in any manner what so ever, for the same and will not entertain or take a plea
from you that, no adequate disclosure regarding the risks involved had been made or that, you had not been explained about the full risk
involved by you or the member concerned. The Client shall be solely responsible for the consequences and that, no contract can be rescinded on
the account.
You must acknowledge and accept that, there can be no guarantee of profits or no exception from losses while executing orders for purchase and
/ or sale of a Commodity / Bullion being traded by IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP. It must be clearly understood by you that your dealings on Commodity / Bullion through IMAIP Bullion
& Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP shall be subject to your fulfilling
certain formalities set out by the IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS
MODULE LLP, which may, inter alia, include your filing the Know Your Client form and are subject to Rules, Byelaws and Business Rules prescribed
through Government guidelines.
IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP does not provide or
purport to provide any advice and shall not be liable to any person entering into any business relationship with any member of the Exchange
and/or a third party or acting on any information contained in this document. Any information contained in this document must not be
construed as business advice/investment advice. No consideration for trading should be made without thoroughly understanding and
reviewing the risks involved in such trading. For ensuring a successful trading, you may seek professional advice on the same.

In considering a trade, you should be aware of or must get acquainted with the following:
1. Basic Risks involved in the trading of Commodity / Bullion in IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP /
IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP:
I) Risk of Higher Volatility: Volatility refers to the dynamic changes in price that, Commodity / Bullion undergoes, when trading activity
continues on the Commodity / Bullion. Generally, higher the volatility of a Commodity / Bullion, greater is its price swings. There
may be normally greater volatility in thinly Traded Commodity / Bullion than in actively traded commodities. As a result of
volatility, your trade may only be partially executed or at times not executed at all, or the price at which your order got executed
may be substantially different from the last traded price or change substantially thereafter, resulting in real losses;
ii) Risk of Lower Liquidity: Liquidity refers to the ability of market participants to buy and / or sell Commodity / Bullion expeditiously at a
competitive price and with minimal price difference. Generally, it is assumed that more the number of Orders available in a
market, greater is the liquidity. Liquidity is important because with greater liquidity, it is easier for Investors are more likely to pay
or receive a competitive price for Commodity / Bullion purchased or sold. There may be a risk of lower liquidity in some
Commodity / Bullion as compared to active Commodity / Bullion. As a result, your order may only be partially executed, or may be
executed with relatively Greater price difference or may not be executed at all. Buying/ Selling without intension of giving and /
or taking delivery of certain commodities, may also result into losses. Because in such a situation, Commodity / Bullion may have
to be squared-off at low/ high prices, compared to the expected price levels, so as not to have any obligation to deliver/ receive
such commodities;
iii) Risk of Wider Spreads: “Spread” refers to the difference in best buy price and best sell price. It represents the differential between the
price of buying a Commodity / Bullion and the price received after selling the same immediately. Lower liquidity and higher
volatility may result in wider than normal spreads for less liquid or non-liquid commodities. This in turn will hamper better price
formation;
iv) Risk –Reducing Orders: IMAIP Bullion & Trading LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS
MODULE LLP has a facility to place “limit orders”. Placing of such orders, which are intended to limit losses to certain extent, may
not be effective most of the time, since, rapid movement in market conditions may make it impossible to execute such orders. A
“market” order will be executed promptly, subject to availability of orders on opposite side, regardless of price.
 22

The customer may receive a prompt execution of a “market” order and the execution may be at available prices of outstanding orders,
which satisfies the ordered quantity, on prime time priority. In other words, these prices may be significantly different from the
last traded price or the best price in that Commodity / Bullion;
v) Risk of News Announcements: Traders/Manufacturers make news announcements that may impact the price of Commodity /
Bullion. These announcements may occur during trading and when combined with lower liquidity and higher volatility may
suddenly cause an unexpected positive or negative movement in the price of the Commodity / Bullion. Rumors about the price of
a Commodity / Bullion at times, float in the market through word of mouth, newspaper, websites or news agencies, etc. The
investors should be wary of and should desist from acting on rumours;
vi) System Risk: High volume trading will frequently occur at the market opening and before market close. Such high volumes may also
occur at any point of time in the day. These may be delayed in execution of order execution or confirmation. During periods of
volatility, on account of market participants continuously modifying their order quantity or prices or placing fresh orders, there
may be delays in execution of order and its confirmation. Under certain market conditions, it may be difficult or impossible to
liquidate a position in the market at a reasonable price when there are no outstanding orders either on the buy side or the sell
side, or if trading is halted in a Commodity / Bullion due to any action on account of unusual trading activity or price hitting circuit
filters or for any other reason.
2. As far as Commodity / Bullion are concerned, please note and get yourself
acquainted with the following additional features:
Effect of “Leverage” or “Gearing”:
The amount of margin is equally relative to the value of the Commodity / Bullion, so the transactions are 'leveraged' or 'geared'.
Commodity / Bullion trading, which is conducted with a relatively equal amount of margin, provide possibility of great profit or loss in
comparison with the principal investment amount. But transaction in Commodity / Bullion carries a high degree of risk. You should
therefore, thoroughly understand the following statements before actually trading in Commodity / Bullion and also trade with caution
while taking into account one's circumstances, financial resources, etc.;
3. General: Deposited Cash and Property:
You should familiarize yourself with the protections accorded to the money or other property you deposit particularly in the event of a
firm becomes insolvent or bankrupt. The extent to which you may recover your money or property may be governed by specific
legislation or local rules. In some jurisdictions, property, which has been specifically identifiable as your own, will be pro-rated in the
same manner as cash, for the purposes of distribution in the event of certain commodities incurring losses or shortfall. Because in
such a situation, Commodity / Bullion may have to be squared-off at low/ high prices, compared to the expected price levels, so as not
to have any obligation to deliver/ receive such commodities. In case of any dispute with the member, the same shall be subject to
arbitration as per the Rules, Bye-Laws and Business Rules of the Exchange.
Commission and Other Charges:
Before you begin to trade, you should obtain a clear explanation of all commissions, fees and other charges for which you will be liable. These
charges will affect your net profit (if any) or increase your loss. For rights and obligation of the Members/Authorised persons/Clients, please
refers to Annexure 2.

ANNEXURE-2

RIGHTS AND OBLIGATIONS OF COMPANY,

PARTNERS, SLEEPING PARTNERS, AUTHORIZED PERSONS AND CLIENTS
As prescribed by

IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP /
MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP

The Member has authorized IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA
WOMEN EMPOWERMENT BUSINESS MODULE LLP to invest on their behalf in Indian Commodity/Bullion Market. Client has agreed upon the
terms and conditions of IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP :
1. IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP shall segregate each client's funds and keep them separately from its own funds and be
responsible for safe keeping of clients' funds and securities;
2. With regard to the above, it is hereby clarified that IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE
OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP may keep the funds of all clients in a separate account
maintained by IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP subject to the following conditions:
a) There shall be a clear segregation of each client's fund through proper and clear maintenance of back office records;
b) IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP shall not use the funds of one client for another client;
 23

c) IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP shall also maintain an accounting system containing separate client-wise data for their funds
and provide statement to clients for such accounts on monthly basis;

IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP has agreed to invest on behalf of the IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP /
MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP Member Account Holder in Indian Commodity /
Bullion Market and have assured returns based on Market Volatility. Returns can be in the form of Profit or Loss or just Tax deduction. Profit and
Loss is Subject to Market Risks. IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA
WOMEN EMPOWERMENT BUSINESS MODULE LLP do not guarantee any fixed percentage of returns on invested amount. IMAIP BULLION &
TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP
do not commit to deliver profits on month to month basis for Income Plan. Whereas Client / Partner is eligible for Account Settlement for once in
30 days / Once in 90 days / once in 365 days. For Education Plan Client is eligible for Account Settlement on 15th of April Year over Year. For
Wedding Plan Client is eligible for Account Settlement once in 5 years. None of the above mentioned plans has lock-in periods and assured
returns. As per the guidelines of SEBI Govt. of India, Client / Partner will be provided with Back-Office access to monitor day to day transactions
conducted in its individual account.

Following information can be obtained from Back- Office tool:

1. Clients Fund Pay-In and Pay-out;
2. Date, Time, Quantity Procured, Quality Of product Procured, Average Buy Price and Average Sell Price, Product Location and VAT
Details.

ADDITIONAL RIGHTS AND OBLIGATIONS:

IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT
BUSINESS MODULE LLP does not take part in the profit or Loss of its Partners/Clients, i.e., IMAIP BULLION & TRADING LLP / IMAIP BULLION &
TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP does not go for profit sharing with
its Partners/Clients. IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP is just a working partner and does not levy service charges. IMAIP BULLION & TRADING LLP / IMAIP
BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP's Partners/Clients will
have full access to the detailed transactions in their individual accounts. However, at any point of time, Partners/Clients will not have access to
the books of accounts of IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP. Partners/Clients will be registered under Ministry of Corporate Affairs (MCA) 3 months after
partnership with IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP. Once client withdraws its investment from IMAIP BULLION & TRADING LLP / IMAIP BULLION &
TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP, Partners names will be
removed from Ministry of Corporate Affairs, IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF
EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP list of Partners / Clients.

IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT
BUSINESS MODULE LLP Clients can avail physical delivery of Gold and Silver from IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING
LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP Head Office. Clients who opt for physical
delivery must pay 1% VAT to IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA
WOMEN EMPOWERMENT BUSINESS MODULE LLP along with Transportation Charges. A client who opts for physical delivery will not be eligible
for profits. IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP does not buy back Physical Gold and Silver from its Partners/Clients. However, IMAIP BULLION &
TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP
can help Partners/Clients in selling the physical gold and silver in the local market on current market price. Physical Delivery Request should be
placed from Monday to Friday between 9 am to 3 pm. Physical Delivery will be handed over within 24 working hours.

IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT
BUSINESS MODULE LLP also assures safety and security of Invested Amount in the form of Physical Commodity. In case of deficit in Principal
Amount, IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP calls upon for member's permission to continue further business. Once Member grants permission
IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT
BUSINESS MODULE LLP continues the business until Principal Amount is recovered. Recovery period is set for 3 months. The recovery process
continues with client's permission, in case of market saturation. Member is not eligible for pay out of profits during recovery period. IMAIP
BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS
MODULE LLP is solely responsible for payment of all kinds of Government of India charges applicable such as Commodity Transaction Charges
(CTT), Service TAX, BUY TAX, SELL TAX and VAT.
 24

TERMINATION OF RELATIONSHIP:
IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT
BUSINESS MODULE LLP and the IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA
WOMEN EMPOWERMENT BUSINESS MODULE LLP Client can terminate this agreement with a prior notice of 45 days.

The Invested amount will be paid through RTGS or NEFT, as the case may be, by IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP
/ MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP. The Client will NOT be Eligible for Profit for the
Notice Period of 45 days. IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN
EMPOWERMENT BUSINESS MODULE LLP's Standard Operational Procedures can be amended by IMAIP Bullion & Trading LLP Management
with due information to the Share Holders, Clients and Sleeping Partners. Client has been explained to his Understanding and has been agreed to
the Terms and Conditions. If client is in disagreement with any of the above mentioned points, then, client can apply for Principal Pay-Out in
accordance with the pay-out procedure maintained by IMAIP Bullion & Trading LLP.

The Partner/Client has authorized IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA
WOMEN EMPOWERMENT BUSINESS MODULE LLP to invest/trade in Commodities / Bullions and other metals and has admitted to dealings on
the market as defined in the Rules, Byelaws and Business Rules/regulations of Forward Markets Commission and circulars/notices issued there-
under from time to time. The Sleeping Partner, Authorized Person and the Client shall bound by all the Rules, Byelaws and Business Rules of the
IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT
BUSINESS MODULE LLP and its Circulars, Notices issued there-under and rules and regulations of relevant notifications of Government
authorities as may be in force from time to time. The Client shall satisfy himself of the capacity of the IMAIP BULLION & TRADING LLP / IMAIP
BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP to deal in Commodity /
Bullion Market.

CLIENT INFORMATION:
The Partner/Client shall furnish all such details in full, as are required by the IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP /
MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP in its “Account Opening Form” with supporting
details, made mandatory by IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA
WOMEN EMPOWERMENT BUSINESS MODULE LLP from time to time. The Partner/Client shall familiarize himself with all the mandatory
provisions in the Account Opening documents. Any additional clauses or documents specified by the IMAIP BULLION & TRADING LLP / IMAIP
BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP shall be non-
mandatory, therefore, subject to specific acceptance by the Partner/Client. The Partner / Client shall immediately notify the IMAIP BULLION &
TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP in
writing if there is any change in the information in the 'account opening form' as provided at the time of account opening and thereafter;
including the information on winding up petition/insolvency petition or any litigation which may have material bearing on his capacity. The
Partner/Client shall provide/update the financial information to the IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK
INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP on a periodic basis. The IMAIP BULLION & TRADING LLP /
IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP and Authorized
Person shall maintain all the details of the Partner/Client as mentioned in the account opening form or any other information pertaining to the
client, confidentially and that, they shall not disclose the same to any person/authority except as required under any law/regulatory
requirements. Provided however, that the IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION
LLP / IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP may so, disclose information about his Partner/Client to any person or authority
with the express permission to the Partner/Client.

DISPUTE RESOLUTION:
IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT
BUSINESS MODULE LLP shall co-operate in redressing the grievances of the Partner/Client in respect of all the transaction routed through IMAIP
BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP / IMA WOMEN EMPOWERMENT BUSINESS
MODULE LLP. The Partner/Client and the IMAIP BULLION & TRADING LLP / IMAIP BULLION & TRADING LLP / MMK INSTITUTE OF EDUCATION LLP
/ IMA WOMEN EMPOWERMENT BUSINESS MODULE LLP shall refer any claims and/or disputes, in respect of deposits, margin money, etc. to
arbitration as per the Rules, Byelaws and Business Rules of the Exchanges, where the trade is executed and circulars/notices issued there under,
as may be in force, from time to time. The Client/Member understands that the instructions issued by and authorized representative for dispute
resolution, if any, of the client/Member shall be binding on the client/Member in accordance with the letter authorizing the said representative
to deal on behalf of the said client/Member.
 25

ANNEXURE – 3
GUIDANCE NOTE – DO's AND DON'Ts FOR THE CLIENTS
Do's:
1. Insist for filling up of a standard Know Your Client (KYC) form before you commence trading;
2. Insist on getting a Unique Client Code (UCC) and ensure all your trades are done under the said UCC;
3. Insist on reading and signing a standard Risk Disclosure Agreement;
4. Obtained a copy of your KYC and/or other documents executed by you with the Member, from the Member;
5. Cross check the genuineness of trades carried out by Member through the Trade Verification Facility available on the IMAI LLP website
at the URL address :
http://www.imonetaryadvisory.net
6. Go through the Rules, Bye-laws, Regulations, Circulars Notifications of the Member as well as of the Regulators, Government and
other authorities to know your rights and duties vis-à-vis those of the Member;
7. Ask all relevant questions and clear your doubts with your Member before transacting;
8. Insist on receiving the bills for every settlement;
9. Insist on Monthly statements of your ledger account and report any discrepancies in the statement to your Member within 30 working
days. In case of unsatisfactory response, report the discrepancy to the Member within 15 working days from the date of cause of
action;
10. Keep Delivery Instruction Slips (DIS) book issued by member in safe possession;
11. Ensure that the DIS numbers are pre-printed and your account number (UCC) is mentioned in the DIS book;
12. Ensure to read, understand and then sign the voluntary clauses, if any, agreed between you and the Member. Note that the clauses as
agreed between you and the Member cannot be changed without your consent;
13. Get a clear idea about all brokerage, commissions, fees and other charges levied by the Member on you for Trading and the relevant
provisions/guidelines specified by FMC/ Commodity / Bullion exchanges;
14. Make the payments by account payee cheque in favor of the Member. Ensure that you have a documentary Proof of your
payment/deposit of commodities with the Member, stating date, Commodity/Bullion, quantity, towards which bank such money or
commodities (in the form of warehouse receipts) have been paid/deposited;
15. The pay out of funds or delivery of commodities (as the case receipts) shall not be made to you within one working day from the
receipt of pay out from the Member, in case you have given specific authorization for maintaining running account to the member.
Thus, in this regard, the running account authorization provided by you to Member shall be subject to the following conditions:
a. Such authorization from you shall be dated, signed by only you and contains the clause that you may revoke the same at any time;
b. You need to bring any dispute arising from the statement of account, to the notice of the Member in writing preferably within 7 (seven)
working days from the date of receipt of funds/commodities or statement, as the case may be. In case of dispute, refer the matter in
writing to the Investors Grievance Cell of the relevant Commodity / Bullion exchanges without delay.
c. In case, you have not opted for maintaining running account and pay-out is not received on the next working day of the receipt, to pay
out from the exchanges, please refer the matter to the Member. In case there is dispute, ensure that you lodge a complaint in writing
immediately with the Investors Grievance Cell of the relevant Commodity/Bullion exchange;
d. Please register your mobile number and email id with the Member, to receive trade confirmation alerts/details of the transactions
SMS or email, by the end of the trading day, from the Commodity/Bullion exchanges;
16. You should familiarize yourself with the protection accorded to money or other property you may deposit with your member,
particularly in the event of a default in the Commodity/ Bullion market or the member becomes Insolvent or bankrupt.
17. Please ensure that, you have a documentary proof of having made the deposit of such money or property with the member, stating
towards which account such money or property has been deposited;
18. In case your problem/grievance/issue is not being sorted out by concerned Member/
Authorized Person then you may take up the matter with the concerned Commodity/Bullion Exchange. If you are not satisfied with the
resolution of your complaint, then you can escalate the matter to FMD.
Don'ts:
1. Do not deal with any unregistered intermediaries;
2. Do not undertake off-market transactions as, such transactions are illegal and fall outside the jurisdiction;
3. Do not enter into assured returns arrangement with any Member;
4. Do not get carried away by luring advertisements, rumors, hot tips, explicit/implicit promise of returns, etc.;
5. Do not make payments in cash/take any cash towards margins and settlement to/from the Member;
6. Do not start trading before reading and understanding the Risk Disclosure Agreement;
7. Do not neglect to set out in writing, orders for higher value given over phone;
8. Do not accept unsigned/duplicate contract note/confirmation memo;
9. Do not accept contract note/confirmation memo signed by any unauthorized person;
10. Don't share your internet trading account's password with anyone;
11. Do not delay payment/deliveries of commodities to Member;
12. Do not forget to take note of risks involved in the investments;
13. Do not sign blank Delivery Instruction Slips (DIS) while furnishing commodities, deposits and/or keep them With Depository
Participants (DP) or member to save time;
14. Do not pay brokerage in excess of the rates prescribed by the Exchange;
15. Don't issue cheques in the name of unauthorized Person;
DECLARATION
1. I/We hereby declare that the details furnished above are true and correct to the best of my/our knowledge and belief and I/we
undertake to inform you of any changes therein, immediately. In case any of the above information is found to be false or untrue or
misleading or misrepresenting, I am/we are aware that I/we may be held liable for it.
2. I/We confirm having been read/explained and understood the contents of the tariff sheet and all voluntary/non-mandatory
documents.
3. I/We further confirm having read and understood the contents of the 'Rights and Obligations'document(s), 'Risk Disclosure
Document' and 'Do's and Don'ts'. I/We do hereby agree to be bound by such provisions as outlined in these documents. I/We have
also been informed that the standard set of documents has been displayed for Information on member's designated website, if any.
 26

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www.imonetaryadvisory.com | info@imonetaryadvisory.com | Contact : 080-4517 4517