COMPANY

Public Fine Gold International Sdn. Bhd

(818840-U)

CAWANGAN PUBLIC GOLD

Main Office :

12E First Floor, Jalan Rumbia,

11900 Bukit Jambul, Penang, Malaysia.

Bishop Branch :

No.84, Lebuh Bishop,

10200 Penang, Malaysia.

KL Branch :

42A, Jalan PJS 8/6 (Third Floor),

Mentari Business Park, Bandar Sunway,

46150 Petaling Jaya, Selangor.

Ipoh Branch :

No.45, 45A & 45B, Jalan Yang Kalsom,

30250 Ipoh, Perak.

Kelantan Branch :

Tingkat 1, Lot 257, Jalan Kebun Sultan,

15000 Kota Bharu, Kelantan Darul Naim.

SP Branch :

No. 86B, 1st Floor,

Jalan Pengkalan,Taman Pekan Baru,

08000 Sungai Petani, Kedah.

JB Branch :

45A&B, Jalan Persisiran Perling,

Taman Perling,

81200 Johor Bahru, Johor.

Kuantan Branch

A-6624 1st and 2nd floor, Jalan Beserah

25250 Kuantan, Pahang.

Kuala Terengganu Branch

16A, 1st & 2nd Floor, Jalan Sultan Ismail

20200 Kuala Terengganu, Terengganu.

E 103°7’47” N 5°19’44”

Kuching Branch

3rd floor, Lots 456 & 457,

Al-ldrus Commercial Centre,

Jalan Satok, 93400 Kuching, Sarawak

PUBLIC GOLD

What is Public Gold?

Public Gold allows individual customers to invest in physical gold

in a convenient, more secure and cheaper way. Customers can

purchase gold in 999.9 fineness at all Public Gold Branches at

daily quoted gold prices for 20g, 50g, 100g and 500g in Malaysian

Ringgit.

Why would you want to invest in Public Gold?

Public Gold is one of the best ways for a customer to build up

a personal gold portfolio by purchasing small amounts of gold

on regular basis over a period of time. This “cost averaging”

will ensure that the total gold investment will be acquired at

the average gold price.

What are the benefits of having a Public Gold?

There are a number of benefits to customers and these include :

Convenience of investing in gold at any Public Gold branch in Malaysia.
It is secure, as it in physical forms.
It is cheaper as the gold prices quoted will be pegged to international gold
prices without the usual additional charges.
Customers can invest in small amounts at a time i.e. minimum 10 grams@ 1 DINAR.
There is opportunity for capital gain if the gold price appreciates.
Gold can be a hedge against inflation.

How would you make a capital gain from investing in Public Gold?

Internationally, the gold price is quoted in US Dollar per ounce.

For Public Gold, the gold price will be converted to the Malaysian

Ringgit . You will make a capital gain if the gold price appreciates.

When is the right time to purchase gold?

The right time would be when the gold price is low.

Will the gold price quoted daily be better than at goldsmith shops?

The price of gold quoted daily will be pegged to the international gold price

and will definitely be better than goldsmith shops.

What is Bullion?

Means melting place, from the French bouillon, boiling, derived from

the Latin bullio). A bullion is a precious metal (Gold) that is valued by

its weight in a specific precious metal. Unlike commemorative or

numismatic coins which are valued by limited mintage, rarity,

condition and age, bullion coins are purchased by investors seeking

a simple and tangible means to invest.

Why invest in gold bullion?

Making the precious metals part of your financial planning is becoming

one of the rules of good investment strategy. And people like the idea

of holding something of real value in their hands, instead of trusting

everything to a bank or broker. The economic forces that affect the

price of precious metals are different from, and often are opposed to,

the forces which determine the price of most common financial assets.

This independent movement of precious metals to other financial assets c

an reduce overall portfolio volatility and contributes balance.

Whether you are conservative or aggressive in your investment approach,

precious metals can represent an important part of your asset allocation.

Some experts suggest that 10-15% of portfolio assets be in precious metals.

No matter what level of risk an investor wishes to take, every portfolio

needs a secure foundation. Gold are one of the most liquid of all

investments. It is readily portable. It is easy to store. It is recognized

in every country. It is easily and discreetly bought and sold. It can be

easily converted to cash at any time.

What should I buy coins or bars?

Bars

For the serious and large scale investor, gold bars are a simple and

efficient way to invest in gold. The larger bars are usually available

at the lowest premiums over their intrinsic gold value, smaller bars

tend to cost more. There is a trade-off however, in that larger bars

are not as flexible when it comes to selling. If you own a kilo bar,

and you wish to sell, say 3 ounces, it’s not easy to slice off one end

of your bar. Your choice of buyer is also more restricted as you will

need to sell to a larger dealer, it is unlikely that you will find a private

buyer as most people are not familiar with gold bullion bars.

Coins

It is sensible to consider modern one ounce gold bullion coins as being

one ounce circular bullion bars. As coins are individually minted they

in themselves provide their own authenticity and are available at very

competitive prices compared with similar size bars.

Because gold bullion coins are almost universally recognised,

they are also easy to resell.

10.

What is the spot price?

The Spot Price is the internationally agreed price, based on supply

and demand, for a 1 troy ounce of gold. Spot prices can change

every minute.

11.

What is a Troy Ounce?

A troy ounce is the traditional unit of weight for precious metals.

One troy ounce = 31.104 grams 32.151 oz = 1 Kilogram

12.

Why do I pay a premium over the spot price?

When you buy any bullion product you are buying a precious metal

that has been manufactured and minted into a tradeable form.

The premium over the spot price is made up of this manufacturing cost.

13.

What is meant by the Margin Spread?

When you buy precious metal you pay a premium above the

live spot price, (Lets say 6%). When you come to sell your

precious metal you receive a price below the live spot rate

(say 1%) Therefore in this example the margin spread is 7 percentage

points.

14.

Where can I sell my precious metals?

Because Gold is an international standard you will be able

to trade coins and bars in most countries in the world.

Public Gold offer the most competitive buy back rates in Malaysia.

15.

How do I purchase Gold Bullion?

You can call Public Gold at +604-6449999 (Main Office),

or +604-2619999 (Bishop Branch).

16.

When do I need to pay for my precious metal order?

Public Gold will provide its Ringgit Malaysia account details

in the contract that has been emailed or faxed to you.

You must arrange for a credit to this account and confirm

payment (Cash, Internet Banking, Bank to Bank transfer or Eftpos)

within one and a half hours. We require this confirmation

as most deposits will not process until overnight. If you do not

provide this confirmation Public Gold retains the right to cancel your order.

17.

Do I have to pay any commission on my purchase?

While many institutions and dealers charge a commission

on trading precious metals, Public Gold does not charge commission.

18.

What forms of payments does Public Gold accept?

As is international practice in trading precious metals,

Public Gold only accepts the following forms of payment,

telegraphic transfer, credit card and Internet Banking.

19.

When can I take delivery of my purchase?

This will somewhat dependent on our product schedule

but you can expect to take physical possession of your purchase

within 5 working days.

20.

How are Public Gold coins packaged?

Each coin will be inside individual plastic sleeve to protect

them from being scratched or marked by fingerprints.

Each coin will be accompanied with Public Gold official

Certificate of Authenticity.