LoweMart
Investment Agreement
This Investment Agreement (the "Agreement") is made and entered into on this [Insert Date] by and between LoweMart Gambia ("Company"), a business entity duly organized and existing under the laws of [Insert Jurisdiction], with its principal place of business located at [Insert Address], and the investor identified below ("Investor").
1. Investment and Purpose
The Investor agrees to invest the amount of $[Insert Amount] (the "Investment Amount") into LoweMart Gambia, with the understanding that this investment is to be used for the growth and development of the business, including inventory expansion, marketing, operational improvements, web development, and branding.
2. Investment Options
The Investor acknowledges the following payout options for their investment:
Option 1: Annual Payout
The Investor will receive an annual return of 15% on the Investment Amount, paid in a lump sum at the end of each year.
Example: For an investment of $10,000, the annual return will be $1,500, payable at the end of each year.
Option 2: Monthly Dividend Payout
The Investor will receive monthly payouts based on a 15% annual return, divided into monthly payments.
Example: For an investment of $10,000, the monthly payout will be $125, based on the annual return of $1,500, paid on the [Insert Date] of each month.
Option 3: Reinvestment Option
The Investor may elect to reinvest the annual return or monthly dividend into LoweMart Gambia. The reinvestment will increase the Investor’s shareholding in LoweMart, allowing the Investor to benefit from compounded growth.
The reinvestment will be calculated at the same annual return rate of 15% and will be applied to the Investor’s current shareholding.
Option 4: Hybrid Option
The Investor may choose a combination of both monthly dividend payouts and an additional annual lump sum payout. For example, the Investor may receive smaller monthly payouts, with a larger lump sum paid annually.
Example: For an investment of $10,000, the Investor may receive $70 monthly and a lump sum of $660 at the end of the year, based on the 15% annual return.
3. Profit Sharing Component
In addition to the 15% annual return, the Investor will receive 20% of LoweMart Gambia’s net income, distributed annually. This profit-sharing component is based on the company's net income and is payable at the end of each fiscal year.
4. Terms of Payment
All payouts will be made via direct bank transfer to the account specified by the Investor.
The Investor will have the ability to choose their preferred option (Annual, Monthly, Reinvestment, or Hybrid) at the time of investment. The Investor may change their preferred payout option upon agreement with the Company, with a 30-day notice.
5. Duration of Agreement
This Agreement will remain in effect for a period of [Insert Period, e.g., 1 year], after which it may be renewed or extended by mutual consent of both parties.
The Company reserves the right to amend or modify the terms of this Agreement, provided that any changes are mutually agreed upon in writing.
6. Risk and Acknowledgement
The Investor acknowledges that all investments carry inherent risks, including but not limited to the risk of loss of part or all of the investment. The Investor understands that the return on investment is not guaranteed and that past performance is not indicative of future results.
7. Transfer of Shares
The Investor's shares in LoweMart are [transferable/non-transferable] during the term of this Agreement, except as outlined in the Company’s bylaws or other governing documents.
Any transfer of shares must be approved by the Company, in accordance with applicable laws and regulations.
8. Governing Law
This Agreement shall be governed by and construed in accordance with the laws of [Insert Jurisdiction].
9. Entire Agreement
This Agreement represents the entire understanding between the Company and the Investor with respect to the investment and supersedes all prior negotiations, understandings, or agreements, whether written or oral.
Company Representative:
Name: Gambia Accounting Firm
Title: Accountant firm
President: Mr. Jallow
DMA Accountacy
Brusubi, The Gambia (Administering Agent)
LoweMart Gambia
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