dealer_handbook

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

6. 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.

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

8. 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.


9. 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.































































©Copyright of Public Gold Marketing Sdn. Bhd.
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10. Choosing the Right Investment for Yourself



Public Gold Stock Market Real Estate Fixed Deposit/
(Local & International) Mutual Funds/
Insurance
Capital Funds From as low as Rising IPO will be very Minimum 10% of Minimum RM10k or
RM5,000 and you can costly per unit share property price monthly commitment
be “Your Own Boss” (RM30-150k)
Investment LOW as Gold is HIGH; depending HIGH due to tighter Very Low as usually the
Risk currently riding on on global economy buying policy in Mas and provider would fix X%
the Bull Market as & company’s countries like Aus, SG, return after many years
demand gets stronger & development UK, Vietnam
depreciating currencies.
Uncertainty in global
market & stock
exchange
Investment VERY HIGH due UNCERTAIN due to UNCERTAIN due LOW as provider
Returns to insufficient global stock slump, to local demand, will need to balance
supply for growing domestic economy and affordability & operational margin &
demand. Returns are political issues government policies invested capital
GROWING
Sellback Operates 24-7 a week Country limitation & Reselling value Need to wait 10-25
Limitation for online Buy and Sell limited trading hours depending on location years for maturity and
– international coverage & needs higher returns
Growth Online observation Need CLOSE Need to keep for Light Observation as
Observation from anywhere around observation to avoid >5years to avoid taxes conditions stipulated in
the world loss contracts







11. Comparison of Public Gold &


Conventional Goldsmiths

Public Gold Conventional Goldsmiths

Pricing Mechanism • Transparent LIVE 24-7 Updates for • Workmanship charges with HIGH GST COST
BUY and SELL • Unreliable & Inconsistent retail price per
• NO workmanship charges negotiation
Target Market • International Trading LIMITED volume of physical gold in branch due to
• ZERO Limitation on Online Business Safety & Security
Trading
Market Trend CONSISTENT with the market demand for Remain in the state of offering Jewelries with high
physical investment gold. Integrated design margin to sustain business
for different occasions
Sellback Value CONSTANT with the market trading price VERY LOW to cover operational and minting
cost
Trading Limitation Operates 24-7 a week and on Mobile Apps Locations and time of business varies
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 Yes at ANYTIME 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
products
Pricing Mechanism Transparent for both SELL and BUY prices Inconsistent pricing updates
live online. Update every 20 minutes
Buying Back Yes at Public Gold’s 17 branches Nationwide. Have to visit at selected branches. If the product
Mechanism May lock sell-back price online seal is broken, buy-back would normally be
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 NO Contract bonded Minimum 3-6 months
Continuous Conducts over 100 sessions of FREE No available at all
Gold Education/ Seminars nationwide annually
Knowledge Updates
Modus of operand Transparent with Integrity Physical Gold Ponzi Scheme
and Silver trading























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14. Gold Jewellery vs Silver Jewellery?


Gold Jewellery Silver Jewellery

Color Gold Silver
Symbol Au Ag
Impression Auspicious & luxurious Poor man’s gold
Durability Eternal / last forever Easy oxidization
Maintenance Free of maintenance Every 2-3 months

Cleaning agent Water & soap Special acidic chemical (harmful to skin)
Resell value High Not applicable (zero)
Allergy No Yes (high possible)
Convenient Yes (good for all activities) No (need to remove for activities such as shower,
swimming & etc.)
Perfume Yes No (will tarnish silver)































































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15. Shariah Certification by Amanie Advisor




























































































52

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 products are accredited by LBMA (London Bullion Market Association) that
recognized internationally, and each product comes with a specific serial number on the gold
bars and certificate.



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.

















































©Copyright of Public Gold Marketing Sdn. Bhd.
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17. Branches Details
Public Gold Marketing Sdn Bhd (930830-K)
Public Gold 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 No.45A & 45B, Jalan Persisiran Perling,
43 & 43A, Tingkat 1, Jalan PSK 1, Taman Perling, 81200 Johor Bahru, Johor, Malaysia.
Pekan Simpang Kuala, 05400 Tel: +607-235 8999 Fax: +607-236 9916
Alor Setar, Kedah, Malaysia.
Tel: +604 - 773 3916 Fax: +604-734 9916 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 Singapore
No. 28, Jalan Yang Kalsom, Blk 824 Tampines Street 81,
30250 Ipoh, Perak, Malaysia. #01-20 Singapore 520824.
Tel: +605-242 8999 Fax: +605-242 8916 Tel: +65 6763 3999 Fax: +65 6745 9916
Email: [email protected]
Central Region publicgoldmarketingsingapore
Petaling Jaya, Selangor Website: www.publicgold.com.sg
42A, Jalan PJS 8/6 (3rd Floor),
Mentari Business Park, Bandar Sunway, Indonesia
46150 Petaling Jaya, Selangor, Malaysia. Menara Palma, 17th Floor, Suite 17-02B,
Tel: +603-5634 8999 Fax: +603-5634 1916 JL.H.R. Rasuna Said, Blok X2 Kav.6, Kuningan,
Jakarta 12950, Indonesia.
Ampang, Kuala Lumpur Tel : +62 21 2205 7371 Fax : +62 21 2205 7571
12-G, Jalan Dagang, 1/1A, Taman Dagang, H/P: +62 81 1171 9916
68000 Ampang, Selangor, Malaysia. Email : [email protected]
Tel: +603 - 4257 9916 Fax: +603-4257 3916 Public Gold Indonesia
Website: www.publicgold.co.id
Bangi, Selangor
No. 27, Jalan Medan Pusat 2D, Aurora Italia:
Seksyen 9, 43650 Bandar Baru Bangi, Gurney Plaza, Penang
Selangor, Malaysia. 170-G-K13, Plaza Gurney, Persiaran Gurney,
Tel: +603-8734 9916 Fax: +603-8734 6916 10250 Penang, Malaysia.
H/P: +6011-1058 1750
Seremban, Negeri Sembilan
152-1, Block M, Taipan Senawang, Queensbay Mall, Penang
Jalan Taman Komersil Senawang 1, GF-K6 (Postal No. GF-126),
Taman Komersil Senawang, Ground Floor, Queensbay Mall, Persiaran Bayan Indah,
70450 Seremban, Negeri Sembilan, Malaysia. 11900 Bayan Lepas, Penang, Malaysia.
Tel: +606 - 678 2916 Fax: +606-678 1916 H/P: +6011-1060 1750

East Coast Region Mid Valley City, KL
Kota Bharu, Kelantan GK-03 & 04, Mid Valley Megamall, 58000 Kuala Lumpur,
Lot 342, Seksyen 21, Jalan Sultan Yahya Petra, Federal Territory of Kuala Lumpur, Malaysia.
Bandar Kota Bharu, 15200 Kota Bharu, H/P: +6011-1059 1750
Kelantan, Malaysia.
Tel: +609-746 2999 Fax: +609-747 8916 Suria Sabah, Kota Kinabalu
Lot No Kiosk-G-10, Ground Floor,
Kuala Terengganu, Terengganu Suria Sabah Shopping Mall,
No. 1F, Jalan Air Jernih, 88000 Kota Kinabalu, Sabah.
20300 Kuala Terengganu, Terengganu, Malaysia. H/P: +6011-1056 1750
Tel: +609-626 3999 Fax: +609-626 6916
Aurora Italia
Kuantan, Pahang Website: www.auroraitalia.net
A-6624, 1st & 2nd Floor, Jalan Beserah,
25250 Kuantan, Pahang, Malaysia.
Tel: +609-567 8916 Fax: +609-567 9916
Southern Region
Melaka
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


©Copyright of Public Gold Marketing Sdn. Bhd.
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Disclaimer for Public Gold Marketing Sdn. Bhd. Dealer Handbook

©Copyright of Public Gold Marketing Sdn. Bhd, January 2019. 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 Jan 2019. For latest version, kindly download at Dealer Corner, Public Gold website www.publicgold.com.my

www.publicgold.com.my