VC Gold Sdn. Bhd.

A World of Gold.

OUR VISION & MISSION

VISION
To position Gold as a bankable commodity and restore appreciation of the excellence of Gold as an incorruptible store of value.

MISSION
To actively build a large community of gold owners through innovative offerings of attractive gold investment products.

OUR STRATEGY
- To collaborate with Ar Rahnu partners, gold refiners, gold retailers, relevant government authorities and other gold investors.

HOW GOLD STORES WEALTH

SAFE HAVEN ( do not rely on an issuers promise to pay) DOLLAR HEDGE ( hedge against fluctuation in the USD) INFLATION HEDGE ( keeps purchasing power) PORTFOLIO DIVERSIFICATION

Range of Innovative Programs

1. 2. 3. 4. Conventional Pawning (Jewellery) Gold Roll Over Programme 1+2 Buying and selling used gold Jewellery Plus

1. Millenium Ar-Rahnu
Get more $$ from your Jewellery.
Millenium Ar-Rahnu Your Gold Jewelry

Upon Expiry of Term, You will redeem Your Gold Jewelry by paying The Advanced Value Of 80%. If you are unable to Redeem, we shall auction off product and after Deduction of Advance And Expenses, will Pay you the balance, If any.

We advance you 80% of Current Market Value. 1 % Safekeeping Charge per month. 6 months Term + 14 days grace period.

1. Millenium Ar-Rahnu Get more $$ from your jewellery.

Millenium Ar-Rahnu @ $50,000

Upon Expiry of Term, You will redeem Your Gold Jewelry by paying The Advanced Value Of $40,000 less $6,000 (safe-keeping Charge of 6 months. $34,000 If you are unable to Redeem at end of term, we shall auction the gold jewelry and after Deduction of Advance & Expenses, will Pay you balance leftover, if any.

We advance you 80% of Market Value. $40,000 1 % Safekeeping Charge per month. $500 p.m. 6 months Term + 14 days grace period.

2. Jewellery Plus
Squeeze Income out of your Jewelry yet maintain ownership of it.
Millenium Ar-Rahnu

We advance you 80% of Current Market Value. You use the Advanced $Amount To buy our 999.9 Gold and participate in our Valued Client Reward Program. You get paid 1.5% per month nett Of safekeeping charges. 1 % Safekeeping Charge per month. 12 months Term extendable. 14 days grace period.

2. Jewellery Plus
Squeeze Income out of your Jewelry yet maintain ownership of it.
Millenium Ar-Rahnu 916 @ market value $50,000 We advance you 80% of Market Value. $40,000 1 % Safekeeping Charge. $500 p.m. 12 months Term extendable. 14 days grace period.

You use the $40,000 To buy our 999.9 Gold and participate in our Valued Client Reward Program. You get profit share 2.5% p.m. $1000 p.m.. less safekeeping charges. $500 p.m. You receive RM500 income Per month.

3. GOLD ROLL OVER 1+2 (loan advanced from VC & KOJUTA)

KOJUTA Ar-Rahnu You buy 100 gm VC 100 gm VC 100 gm

Advance to You. Kojuta advances you 65% of Total Value to be used as payback to VC. You now own 300 gm of gold in Kojuta but owe Kojuta 65% as advance You pay 1 % Safekeeping Charge per month.

Upon Expiry, You will receive $ Value for 300 gm Of Gold at Entry Or Then Market Price. You Pay Back Kojuta Advance + Bal of VC Advance. The Remainder is Yours

VC pays You 2.5% on 300 gm Less 1% Safekeeping Charge to Kojuta. You earn Nett 1.5% On 300 gm. Equivalent to 4.5% Of Your 100 gm.

3. GOLD ROLL OVER 1+2 (loan advanced from VC & KOJUTA)

You buy 100 gm $10,000 VC 100 gm $10,000 VC 100 gm $10,000 KOJUTA Ar-Rahnu $30,000

Advance to You. Kojuta advances you 65% of Total Value to be used as payback to VC. $19,500 You now own 300 gm of gold in Kojuta but owe Kojuta $19,500. 1 % Safekeeping Charge per month.

Upon Expiry, You will receive $30,000 for the 300 gm Or Then Market Price. You Pay Back Kojuta $19,500 + VC $500. The Remainder is Yours

VC pays You 2.5% on 300 gm $750.00 p.m. Less 1% Safekeeping Charge to Kojuta. $300 p.m. You receive Nett $450.00 p.m. Equivalent to 4.5% Of Your 100 gm.

4. Buy And Sell Gold Jewellery

VC Gold Sdn. Bhd.

NEWS HIGHLIGHT

NEWS HIGHLIGHT

NEWS HIGHLIGHT

NEWS HIGHLIGHT

AR-RAHNU
Syariah-based Pawnbroking
The New Millennium Ar Rahnu
VC Gold collaborate with Ar Rahnu partners
First branch - KOJUTA AR RAHNU ( DESA PANDAN)

Lucrative Business Model by VC Gold

Total Used Gold ( in pawnshops and Ar Rahnu) = RM20 Billion Objective : To capture 50% of the total used gold market share by opening 36 more outlets throughout Malaysia and collaborating with another 87 existing Ar Rahnu establishment.

Competitor Analysis
Margin Bank Rakyat Conventional Pawnshops 65% Safe keeping fee 1.3% Tenure 6+6+3 months. 6 months 6 months + 14 days

50%-70% 2% 1%

VC Millenium 80% Ar-rahnu

Millenium Ar-Rahnu
Shareholding Investment
Millenium Ar-Rahnu Business Capital 200 kg Gold Kojuta Ar-Rahnu Licensee

VC Gold Sdn. Bhd Shareholding 51% 102 kg Gold

Investors Shareholding 49% 98 kg Gold

Capital can be in cash or gold Total return : 5% p.m + Year-End Dividend Total transparency : - Monthly meeting among shareholders - Internal auditor appointed by investors