dealer handbook

Who is eligible to qualify for the Public Gold Leadership Seminar (PGLS)?

• All Authorized Dealers who achieve their required target sales and also meet the required conditions
are eligible to qualify for the Public Gold Leadership Seminar (PGLS).

What are these Conditions?

• One of the conditions is the ethical business conduct of the Dealership, in accordance to the letter
and spirit of the Public Gold Rules of Conduct.
Others include:

• The Authorized Dealers must have attended a Seminar within 6 months of qualification as Authorized
Dealers.

• Accounts are kept in good order
Note that Authorized Dealers who have inherited the Public Gold business may not be invited.

Is the PGLS a guaranteed part of the Public Gold Sales & Marketing plan?

• The PGLS is not part of the Public Gold Sales & Marketing Plan and is subject to change.

What are the qualifications for attendance of the PGLS?

• For qualified Authorized Dealers, sales are accumulated within the fiscal year, from April to the
following March.

How are the PGLS sales calculated?

• There are 2 ways to earn PGLS Sales, i.e. through your Personal Sales and Group Sales that you
receive when breaking-off a Master Dealer group. Other currencies will be converted to Ringgit
Malaysia for calculation.The formulas are: 0.25 for Singapore Sales.

What are the targets for qualification to the PGLS?

Category Ticket(s) Option Personal Sales Group Sales
Non-MD (RM) (RM)
Single -
MD Double - 3 million -
Single 1 5 million -
2 3 million -
Double 1 1 million 3 million
2 6 million -
2 million 6 million

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SALES INCENTIVE PROGRAM: LEADERSHIP SEMINAR 2020/21 RUSSIA TERMS &
CONDITIONS

Terms & Conditions

1. Public Gold Leadership Seminar (PGLS) 2020/21 at Russia. Program period: 01st April 2020 to 31st
March 2021.

2. Prizes given are not transferable or exchangeable for cash in part or in full.
3. Public Gold Marketing Sdn Bhd reserves the rights at its sole discretion to substitute with other

prizes that are of equal or greater value.
4. The trip will be conducted in groups on specific dates appointed by the designated travel agent.
5. It is the responsibility of the achievers to obtain the necessary visa and other travel documents.

No compensation will be given if the winners fail to obtain such documents, regardless of any
circumstances.
6. All qualifiers must abide to the terms and conditions imposed by the organizer as well as terms and
conditions attached to the prizes, if any.
7. All qualifires are required to attend the prize presentation ceremony and other publicity programs
as and when required at their own costs and expenses.
8. PG Group reserves the rights to use the name, address, photograph, particulars, and documents of
all achievers for the purpose of advertising and other forms of publicity from time to time without
compensation and prior notification to the achievers.

Disclaimer:
1. Public Gold Marketing Sdn Bhd reserves the rights to eliminate the entries that are ineligible or any reasons whatsoever as Public Gold Marketing Sdn

Bhd may in its absolute discretion deems fit.
2. By participating in this leadership seminar, dealers agree to be bound by these terms and conditions and the decisions of Public Gold management.

The decisions of Public Gold management are final and conclusive. Neither appeal nor objection for any reasons whatsoever will be entertained.
3. Public Gold Marketing Sdn Bhd reserves the absolute right at any without assigning any reasons to add, alter, modify, change or vary the promotion

terms and conditions contained herein, wholly or in part at its absolute discretion.

9.2 Qualifying Bonus (Q-Bonus)

Q-Bonus is a Sales Incentive Program to motivate and reward Public Gold authorized dealers who have
the most outstanding yet consistent sales performance within the stipulated SIP financial year. A total
amount of RM12, 000.00 CASH will be rewarded to those achieved dealers as a bonus for achieving
a consistent monthly sales target for 6 months, 9 months or 12 months consecutively throughout the
respective SIP financial year

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Terms and Conditions:

1. Sales calculation shall follow the SIP financial year, which is from
1st April 2020 to 31st March 2020.

2. Q-Bonus is open for all Public Gold authorized Dealers, Priority Dealers and Master Dealers.
3. Dealer must obtain personal sales (Own purchase initial purchase will be excluded + 1st Purchase

of immediate frontline which have been FULLY PAID) of at least RM250, 000.00 per month in
order to be eligible for the Q-Bonus.
4. Qualifier must achieve monthly sales target of at least 6 months in order to get Q6.
5. There are in total THREE (3) categories of Q-Bonus available as per stated below:

Category Cash Reward Description

Q6 RM3,000.00 Qualifier shall achieve consistent sales target for total 6 months.

Q9 RM3,000.00 Qualifier shall achieve consistent sales target for total 9 months.

Q12 RM6,000.00 Qualifier shall achieve consistent sales target for total 12 months.
TOTAL RM12,000.00
Qualifier will get in total RM12, 000.00 cash for Q-Bonus if monthly sales target is
achieved and maintained consistently throughout the respective SIP financial year.

6. Q-Bonus will be paid on the next incentive payable date after the evaluation period for each
category.

7. Public Gold reserves the right to amend the terms and conditions from time to time without
prior notice.

9.3 Localized Marketing Fund

1. Applicants must achieve the following requirements in order to be eligible for the monthly
localized marketing fund:

 Proven to be proactive and have taken the initiative to self-promote through various media
channels. Supporting documents such as original receipts or invoices from respective media/
vendor and photocopy of Identification Card (IC) to be enclosed together with the application
form for verification purposes.

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2. Qualified for localized marketing funds will be based on past 3 months Top Producer Award and
maximum funds is different depends on the level of producer.

3. This localized marketing funds can be used for the month or upcoming month.

4. Qualifier must attach their Top Producer Award (Level of Producer) to the branches before
make an application.

5. Application must be submitted before the 7th of each month and no later than one (1) month
from the invoice/receipt date. Application submitted after the stated date will be carried forward
to the following month and is subject to approval.

6. Only approved application is entitled to the subsidy and it is subject to the total no. of applicants,
sufficiency of subsidy allocated for the respective branch as well as individual’s urgency at the
discretion of the management.

7. This localized marketing fund is to solely subsidize the promotional and advertising materials’
production cost, seminars or events.

8. The artworks of all promotional and advertising materials are to be enclosed with the application
form for management’s approval prior to publishing.

9. Application for reimbursement of expenses should be made no later than one (1) month from
the invoice/receipt date enclosed together with supporting documents for verification purposes.

10. Maximum claim of localized marketing funds will be based on Top Producer Cert.

11. As part of the localized marketing fund program, Public Gold is offering 50% rebate on all
purchase of Public Gold marketing collaterals such as booth, FB marketing, streamers, brochures,
etc.

12. Applicants must fully understand the contents of the Dealer Handbook in order to understand
the Role and Commitment of a Dealer as well as the Structure of the Company.

13. The Company reserves the rights to reject or cancel the approved subsidy application without
prior notice should the Applicant found guilty of violating the Company Dealer’s Code of
Conducts or any other rules and regulations that the Company reserves.

The Applicant must strictly comply with the Terms and Conditions and the management reserves the
right to reject the application based on the eligibility of applicant upon considering various factors.

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10. Choosing the Right Investment for Yourself

Public Gold Stock Market Real Estate Fixed Deposit/
Mutual Funds/
(Local & International)
Insurance

Capital Funds From as low as Rising IPO will be very Minimum 10% of Minimum RM10k or
RM6,000 and you can costly per unit share property price monthly commitment
Investment be “Your Own Boss” (RM30-150k)
Risk HIGH; depending Very Low as usually the
LOW as Gold is on global economy HIGH due to tighter provider would fix X%
Investment currently riding on & company’s buying policy in Mas and return after many years
Returns the Bull Market as development countries like Aus, SG,
demand gets stronger & UK,Vietnam
Sellback depreciating currencies. UNCERTAIN due to
Limitation Uncertainty in global global stock slump, UNCERTAIN due LOW as provider
Growth market & stock domestic economy and to local demand, will need to balance
Observation exchange political issues affordability & operational margin &
government policies invested capital
VERY HIGH due Country limitation &
to insufficient limited trading hours Reselling value Need to wait 10-25
supply for growing depending on location years for maturity and
demand. Returns are Need CLOSE & needs higher returns
GROWING observation to avoid
loss Need to keep for Light Observation as
Operates 24-7 a week >5years to avoid taxes conditions stipulated in
for online Buy and Sell contracts
– international coverage

Online observation
from anywhere around
the world

11. Comparison of Public Gold &

Conventional Goldsmiths

Public Gold Conventional Goldsmiths

Pricing Mechanism • Transparent LIVE 24-7 Updates for • Unreliable & Inconsistent retail price per
Target Market BUY and SELL negotiation
Market Trend
Sellback Value • NO workmanship charges LIMITED volume of physical gold in branch due to
Trading Limitation Safety & Security
• International Trading
• ZERO Limitation on Online Business Remain in the state of offering Jewelries with high
margin to sustain business
Trading
VERY LOW to cover operational and minting
CONSISTENT with the market demand for cost
physical investment gold. Integrated design Locations and time of business varies
for different occasions

CONSTANT with the market trading price

Operates 24-7 a week and on Mobile Apps
for online BUY and SELL

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12. Comparison of Public Gold &
Gold Deposit Accounts

Public Gold Gold Deposit Accounts

Product Offers Varies sizes of physical Gold & Silver bullions Saving accounts with different min entry
requirement. Annual fees charged
Physical Stock Withdrawal during operation hours Mostly yes with condition and charges
withdrawal
Product Verification YES, customer may self conduct using No. Once seal is broken, it is considered used gold
Density meter machine before accepting
Pricing Mechanism products Inconsistent pricing updates
Transparent for both SELL and BUY prices
Buying Back live online. Update every 20 minutes Have to visit at selected branches. If the product
Mechanism Yes at Public Gold’s 17 branches Nationwide. seal is broken, buy-back would normally be
May lock sell-back price online rejected or with a very huge discount

13. Comparison of Public Gold &

Gold Investment Schemes

Public Gold Gold Investment Schemes

Selling Price Average about 5% from International 30% above market price
Trading Price
Monthly Returns Latest Price in International Trading Arena 2-3% (Gold in hand)
5-7% (Gold not in hand)
Buyback Price Most Current price in International Trading According to contract pricing
Arena
Contract Period
Continuous NO Contract bonded Minimum 3-6 months
Gold Education/ Conducts over 100 sessions of FREE No available at all
Knowledge Updates Seminars nationwide annually
Modus of operand
Transparent with Integrity Physical Gold Ponzi Scheme
and Silver trading

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14. Gold Jewellery vs Silver Jewellery?

Color Gold Jewellery Silver Jewellery
Symbol
Impression Gold Silver
Durability Au Ag
Maintenance Auspicious & luxurious Poor man’s gold
Cleaning agent Eternal / last forever Easy oxidization
Resell value Free of maintenance Every 2-3 months
Allergy Water & soap
Convenient High Special acidic chemical (harmful to skin)
No Not applicable (zero)
Perfume Yes (good for all activities)
Yes (high possible)
Yes No (need to remove for activities such as shower,

swimming & etc.)
No (will tarnish silver)

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15. Shariah Certification by Amanie Advisor

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16. Frequently Asked Questions

1. Where can I pawn public gold’s products?
You can pawn at any pawn shop or banks that accept Public Gold’s gold bar.
List of institutes that offer Ar-Rahnu services are update from time-to-time on our website:
www.publicgold.com.my

2. How do i know gold bar that I purchased is real gold?
All Public Gold product are comes with a specific serial number on the gold bars and certificate
authenticated by Assayer office.
Identify the mint markings.These include:

Mint logo or “mark”
Indication of purity
Indication of weight
Serial numbers

3. Does Public Gold guarantee buy-back when gold price goes very high?
Under normal financial market condition, Public Gold will buy-back all Public Gold products
regardless of unintentional scratch, dent on the products.

4. Is Public Gold business Shariah Compliant?
Public Gold is the world’s first Shariah Compliant gold trading company.

5. How long Public Gold has been established?
Public Gold was established in the year of 2008.

6. Does Public Gold have any legal license?
Public Gold Marketing Sdn. Bhd. is registered company under SSM.

7. What is the gain to purchase Public Gold products?
Start buying physical gold itself is gaining in terms of hedging against inflation and protecting your
purchasing power. Whenever you have spare money, buy physical gold.The profit comes when
the moment you buy gold.To further increase your gold keepings, you can introduce friends to
buy with Public Gold which will earn you
some introducer incentives that you can use to buy more gold.

8. After purchased the gold and silver, where is the best place for me to keep for storage?
We would like to suggest you options below:
a. Public Safe’s Safe Deposit Box (SDB) in Penang.
b. For dealers, you can use safe keeping service offered by Public Safe Management Sdn. Bhd.
(for details you may refer to your nearest Public Gold branch)
c. Keep in your private safe box at home
d. Use safe deposit box service offered by banks

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9. Some prospect customers after briefing by Dealers prefer to visit Public Gold branches for
verification and due to the sense of security, but problem arise when the prospect is closed
by dealers who are at the respective branch.
Introducers play an important role in bringing in new customers to Public Gold and the
responsibility is to ensure the right information is given to prospects; information such as outright
purchase policy, undertaking of buy back policy, payment policy, and dealership benefits and
policy. It is always important for all introducers to make sure that their prospects have their
information such as Dealer code, and contact.To go further mile, introducers can assist prospect
to make appointment with local branch for the visit so that branch officers will be aware of your
prospect and make the necessary briefing and documentations.

10. Since the payment slip has been fax/email as a proof of payment, why we still have to bring the
original receipt for stocks collection?
Original bank-in slips are the ONLY recognize proof of payment for all Public Gold trading aside
from cash (below RM3000) to avoid any stock redemption dispute after payment. Pre-faxing or
emailing the slip will speed up collection preparations to avoid long collection waiting time.

11. Do Public Gold sells jewelleries?
Yes. Public Gold offers Aurora Italia, jewellery, bangle, bracelet and charms with the most
affordable price and variety design options.

12. What is gold premium?
The gold premium is a minimal security delivery premium for Public Gold products to be transfer
from our Minting factory to states; we commit to no other hidden charges on our products.

13. Why is there a 3 working days wait for stocks collection after payment?
The 3 working days buffer is for the convenient of the customers as we will have sufficient time
to make necessary preparation and to avoid queue congestion during stocks collection. However,
if we are able to make earlier arrangement, we will notify customers to collect the stocks earlier.

14. Operation hours for Public Gold are from 9am-6pm,as some customers might have challenges
to do stock collection during office hours; are there any options to collect stocks after
working hours?
Customers may opt to collect stocks on Saturday (9am-1pm), or can make appointment with
local branch to collect after working hours and respective branch managers will confirm a
suitable date to collect stock after office hours.

15. Can we view our introducer incentive online?
Public Gold has always been improvising the website facility from time to time. Customers are
able to view their incentive statement via online more feature will be added on.

16. Any storage fee will charge if stock is ready to collect but customer unable to collect it?
Yes. Storage fee will be charged after two months from the place order date.

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17. What is the item we can withdraw from GAP account?
1gram above gold product (purity 999.9) can be withdrawn from GAP account.

18. Is GAP purchase invoice generated automatically and send to our email address upon GAP
purchase?
GAP purchase invoice will generated automatically, however customer has to login to their
account and download or print the receipt by themselves.

19. Does Public Gold belong to Public Bank?
No. Public Gold is an independent company that does not has any relationship with Public Bank.

20. Does Public Gold undertaking of buy back other brand of gold and jewelleries?
Yes. Public Gold accepts all kind of used gold based on Public Gold’s trading price.You don’t have
to worry whether your used gold is scratched, bent or whatsoever, as long is genuine we will
accept.You may also exchange your used gold for any new Public Gold products as well.

21. Is there any minimum/maximum limit for a customer has to purchase?
There is no minimum/maximum limit. Customer can choose purchase any amount since there
are varieties of Public Gold’s product ranging from 0.5gram to 1000gram gold bar.

22. Can I customize my own gold bar/coin design and request Public Gold to mint?
Besides trading, Public Gold provides minting service facility includes personalized and customized
too according to customer’s preference. We also welcome and assist corporate companies to
make unique precious metals for souvenirs, corporate gifts, employee rewards, etc.

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17. Branches Details

Public Gold Marketing Sdn Bhd (930830-K)
PG Group (Global Business Center)
Plot 21,Technoplex Medan Bayan Lepas,Taman Perindustrian Bayan Lepas Phase IV, 11900 Bayan Lepas, Penang, Malaysia.
Tel: +604-643 9999 Fax: +604-645 0916 Email: [email protected] publicgoldinternational

Northern Region Johor Bharu, Johor
Alor Setar, Kedah 106, Jalan Molek 2/2,Taman Molek,
43 & 43A,Tingkat 1, Jalan PSK 1, 81200 Johor Bahru, Johor, Malaysia.
Pekan Simpang Kuala, 05400 Tel: +607-353 6999 Fax: +607-236 9916
Alor Setar, Kedah, Malaysia.
Tel: +604 - 773 3916 Fax: +604-771 5916 East Malaysia
Kuching, Sarawak
Sungai Petani, Kedah Lot 456, 3rd Floor, Al-Idrus, Commercial Centre, Jalan Satok,
No.24-C, Jalan Kampung Baru, 93400 Kuching, Sarawak, Malaysia.
08000 Sg. Petani, Kedah, Malaysia. Tel: +6082 - 259 916 Fax: +6082-253 916
Tel: +604 - 423 2999 Fax: +604-422 8916
Miri, Sarawak
Bishop, Penang Lot 3558, 1st & 2nd Floor, Al-Bayt Square Miri,
95, Lebuh Bishop, (Miri Commercial Centre), Jalan Miri-Pujut,
10200 Penang, Malaysia. 98000 Miri, Sarawak, Malaysia.
Tel: +604-261 9999 Fax: +604-261 2916 Tel: +6085-427 916 Fax: +6085-438 916

Relau, Penang Kota Kinabalu, Sabah
88 E & F, 1st & 2nd Floor, Lot No. 19, Block B-10, Corner Lot, 1st & 2nd Floor,
Jln Tun Dr. Awang, 11900 Lorong Plaza Permai 1, Along Jalan Sulaman,
Bayan Lepas, Penang, Malaysia. 88100 Kota Kinabalu, Sabah, Malaysia.
Tel: +604-644 9999 Fax: +604-645 5916 Tel: +6088-447 916 Fax: +6088-485 835

Ipoh, Perak Indonesia
No. 28, Jalan Yang Kalsom, Menara Palma, 17th Floor, Suite 17-02B,
30250 Ipoh, Perak, Malaysia. JL.H.R. Rasuna Said, Blok X2 Kav.6, Kuningan,
Tel: +605-242 8999 Fax: +605-242 8916 Jakarta 12950, Indonesia.
Tel : +62 21 2205 7371 Fax : +62 21 2205 7571
Central Region H/P: +62 81 1171 9916
Petaling Jaya, Selangor Email : [email protected]
42A, Jalan PJS 8/6 (3rd Floor),
Mentari Business Park, Bandar Sunway, Public Gold Indonesia
46150 Petaling Jaya, Selangor, Malaysia. Website: www.publicgold.co.id
Tel: +603-5634 8999 Fax: +603-5634 1916
PG Mall Sdn Bhd (Headquarters)
Ampang, Kuala Lumpur Unit 25-13, Level 25, Q Sentral, 2A, Jalan Stesen Sentral 2, Kuala Lumpur
12-G, Jalan Dagang, 1/1A,Taman Dagang, Sentral,
68000 Ampang, Selangor, Malaysia. 50470 Kuala Lumpur
Tel: +603 - 4257 9916 Fax: +603-4257 3916 Tel: +603-2733 3916
PGMall.my
Bangi, Selangor Website: www.pgmall.my
No. 27, Jalan Medan Pusat 2D,
Seksyen 9, 43650 Bandar Baru Bangi, Safe Deposit Box Facility:
Selangor, Malaysia. PG Safe Sdn. Bhd. (Penang)
Tel: +603-8922 3916 Fax: +603-8734 6916 88 E & F, Ground Floor, Jalan Tun Dr. Awang,
11900 Bayan Lepas, Penang, Malaysia.
Seremban, Negeri Sembilan Relau (Opposite SPICE)
152-1, Block M,Taipan Senawang, Tel: +604 - 644 1222
Jalan Taman Komersil Senawang 1, Fax: +604 - 646 8916
Taman Komersil Senawang, H/P: +6017 - 472 2916
70450 Seremban, Negeri Sembilan, Malaysia. Email: [email protected]
Tel: +606 - 678 2916 Fax: +606-678 1916 Website: www.publicsafe.com.my
Business Hours : Mon-Sat, 9.30am-5.30pm
East Coast Region
Kota Bharu, Kelantan
Lot 342, Seksyen 21, Jalan Sultan Yahya Petra,
Bandar Kota Bharu, 15200 Kota Bharu,
Kelantan, Malaysia.
Tel: +609-746 2999 Fax: +609-747 8916

Kuala Terengganu, Terengganu
No. 1F, Jalan Air Jernih,
20300 Kuala Terengganu,Terengganu, Malaysia.
Tel: +609-626 3999 Fax: +609-626 6916

Kuantan, Pahang
No 36. Jalan Putra Square 1, Putra Square
25200 Kuantan, Pahang, Malaysia.
Tel: +609-517 8916 Fax: +609-567 9916

Southern Region
Melacca
No.9-A, 9-B, Jalan Melaka Baru 22,Taman Melaka Baru,
Batu Berendam, 75350 Melaka, Malaysia.
Tel: +606-317 5499 Fax: +606-317 5216

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Disclaimer for Public Gold Marketing Sdn. Bhd. Dealer Handbook
©Copyright of Public Gold Marketing Sdn. Bhd, September 2020. All rights reserved.
All materials presented in Public Gold Marketing Sdn. Bhd. Dealer Handbook (the
“handbook”), unless specifically indicated otherwise, is under copyright to the Public Gold
Marketing Sdn. Bhd. (the “PGM”). None of the material, nor its contents, nor any copy of it,
may alter in any way, transmitted to, copied or distributed to any other party, without the
prior express written permission of the PGM.
The purpose of the Handbook is to explain the operations and procedures of the Public
Gold Marketing Sdn. Bhd. It provides a description of the infrastructure, products and
participants of the Dealers.This information presented in the Handbook is provided to you
for information and guideline purpose only. Information presented in the Handbook are
subject to change without prior notice and any updating such as information, policy, terms
and conditions, and etc shall refer to Public Gold website or Public Gold call centre 04-643
9999. The PGM accept no liability whatsoever for any direct or indirect loss arising from
the use of the material presented in the Handbook unless such liability arises under specific
statutes or regulations. In no circumstances shall the PGM have any liability for consequential
or special damages.
This guide is not directed to, or intended for distribution to or use by, any person or entity
who is a citizen or residents of or located in any locality, state, country or other jurisdiction
where such distribution, publication, availability or use would be contrary to law or regulation
or which would subject to the PGM to any registration or licensing requirement within
such jurisdiction.The contents of the Handbook do not constitute or purport to constitute
investment advice to any person.
The Handbook is published by Public Gold Marketing Sdn. Bhd.

Last updated Nov 2020. For latest version, kindly download at Dealer Corner, Public Gold website www.publicgold.com.my

www.publicgold.com.my