Carefully, we the management of JOY JOHNSON MONETARY J.J circumspectly brings to you the set rules and regulations that will be guiding the organization, and righteous to be fulfill and strictly adhered to by every member…

The first page of this document shall entail the rules and regulations guiding every participant
of the organization, while the second page will be for requirements for participation.

The identified below codes ethics and conduct shall by apply to all participants in the organization.

1.There must not be any form of excuse for delay or postponement of payment within the
stipulated time frame of 8:13am on every occasion of payment.

2. Any new comer or member must know that he or she has no right to early slot asides the
   available slots as at the point joining.
3. Privilege for early slots shall strictly be for consistent members who have spent up to a year and consistency in his or her payment.
4. You’re only privileged to have a delay in payment not more than two times without penalty attraction with reasonable excuse and genuine reason.
5. Any form of delay in payment more than two times as it has been stipulated in article (4)
   shall warrant or attract 20 percent deduction of the money contributed by the concerned
   person.
6. On every payment or cash out day, the deadline time for every participant shall be 5:59pm.

7.It’s highly imperative for every member to know that a sudden or abrupt withdrawal of
member at the middle of contribution of J.J TRUST without any substantial or pertinent
reasons for doing so will definitely attract 50 percent deduction in the money contributed
compensation damage that it might cause the COORDINATOR.

N.B; Any payment after the stipulated time shall attract a penalty depending on the discretion
of the controller and the gravity of it