Dealer Handbook

Dealer
Handbook
Table of contents
Message from the Founder and Executive Chairman
1. Getting started 1
2. About Public Gold 2
3. Branches of Public Gold 3
4. How to register a new trading account 4
5. Ways to do transactions 7
5.1 Outright purchase 7
5.1.1 Online 7
5.1.2 Walk in / Call-in 12
5.1.3 Mobile applications (Mobile apps) 12
5.1.4 Gold In Transit (GIT) 17
5.2 Payment 21
5.2.1 Payment method 21
5.2.2 Steps to make payment 21
5.2.3 Bank account 23
5.2.4 Gold premium 23
5.3 Stock collection 23
5.4 Gold / Silver Accumulation Program (GAP/SAP) Top Up/Withdrawal 24
5.5 Undertaking of buy back 29
5.5.1 Ways to lock undertaking of buy back price 29
5.5.2 Undertaking of buy back transaction 29
5.5.3 Payment day 30
6. Climbing to dealership ladder 31
6.1 Dealership status 31
6.2 How to get your incentive on time 32
7. Dealers’ code of conduct 33
8. Dealers’ referral link 39
9. Benefits of becoming a Public Gold dealer 41
9.1 Sales Incentive Program - Leadership seminar 41
9.3 Qualifying bonus (Q-Bonus) 44
9.4 Localized marketing fund 45
10. Choosing the right investment for yourself 47
11. Comparison of Public Gold & conventional goldsmiths 47
12. Comparison of Public Gold & gold deposit accounts 48
13. Comparison of Public Gold & gold investment schemes 48
14. Gold jewellery vs silver jewellery? 49
15. Shariah Certification by Amanie Advisor 50
16. Frequently ask question 51
17. Branches details 54
Message from the
Founder & Executive Chairman
Dear Valued Dealers,
First of all, congratulations and well done for joining us at Public Gold. A very warm welcome on board!
At Public Gold, we are indeed very excited with your presence on board and rest assured that your
wealth will be in good hands under the guidance of our very own gold experts who have years of
experience in securing good wealth for your golden future. Not to be missed, without your immense
support, we would not be savoring the achievements we have now. Therefore, with the vast and
increasingly swift expansion of Public Gold Group, we look forward to a great partnership with you.
In line with our belief, at Public Gold we are committed in growing a sustainable future for all, by
securing a good wealth for your family, which ultimately leads to a stable economic foundation for
our beloved country, while we adhere to our belief, Public Gold Your Ultimate
Wealth Protector.
For those who are new to Public Gold, this handbook will serve as a
guideline for you to expand your wealth and develop a solid career
with us. In this handbook, you will learn how to grow your own gold
business empire and increase your wealth out of it. We hope with
this handbook, it enables you to turn your stepping stones into great
milestones ahead of you.
Herewith, we hope to bring you great abundance and success through

this invaluable partnership together. Cheers for a solid partnership
together for many years to come!
Yours faithfully,
Dato’ Wira Louis Ng

Founder and Executive Chairman, Public Gold Group
1. Getting Started
Congratulations for taking this big step in enrolling yourself as a Public Gold Dealer.
Your success in Public Gold Business will, to a major extent, depends on:
• Your commitment in protecting your wealth
• Your development of knowledge towards gold and silver
• Your commitment to manage your time on your core business and your gold business.
• Your development of the people that you bring into this family of gold business.
About Public Gold-Physical Exchange and Trading Centre

Public Gold was set up with the intention to buy and sell physical gold bars and wafers at international
market gold price, obtained the internationally-recognised accreditation from world renowned London
Bullion Market Association (LBMA) to offer consumers from across the globe an added assurance of
their product genuity and purity.
Why Public Gold?

• Twice Awarded by The Malaysia Book of Records for being the first locally - manufactured
certified Gold and Silver Bullion Bar
• Transparent and minimal margin spread between buying and selling price
• 24 hours online booking system (1st in Malaysia)
• 24 hours live prices online (www.publicgold.com.my)
• Guaranteed buy back even unintentional scratched or bended *
• Stable and well-established in Malaysia with 18 branches across Malaysia, Singapore and Indonesia
• World’s First Shariah Compliant physical gold trading company
• Obtained numerous internationally recognized awards
• Proudly appointed as the 1st company to become royal minter for Malaysia’s 14th Agong’s
Commemorative Inauguration coin
* Except for extreme market conditions, such as financial & economic critical, social unrest, political instablility,
war & caused extreme volatility of precious metal price in international market.
Our Main activities:

• Conducting physical Gold exchange and trading centre
• Providing safe keeping facilities
• Minting and Refining
©Copyright of Public Gold Marketing Sdn. Bhd.

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2. About Public Gold
Introduction
Founded in year 2008 by Dato’ Wira Louis Ng Chun Hau, Public Gold provides an integrated range of
gold trading activities which include minting and refinery of gold, managing gold exchange and trading
centre, as well as offering safe facilities to the public. Not only that Public Gold also trades Gold Bullion,
Gold Dinar wafers, Silver Bullion, Dirham wafers, the Islamic trade currency that enables Muslims to
capitalize, save or pay their zakat with gold as a method of payment, and jewellery products.
The name “Public Gold” derived from Dato’ Wira Louis’s belief in which he believes that the Public
should be given the equal opportunity to own Gold, for gold is stable and can be used as an international
exchange medium. Hence the name, Public Gold.
Public Gold’s head office located strategically at Technoplex, Bayan Lepas Free Industrial Zone (Phase
IV) Penang. With its first branch opened in year 2008 at Bukit Jambul, Penang, Public Gold now owns in
total 18 branches throughout Malaysia, Singapore and Indonesia.
In response to public demands, Public Gold collaborated with the renowned Turkish company, Nadir
Metal Refinery Group and been appointed as the sole distributor for London Bullion Market Association
(LBMA) accredited investment precious metal products in Malaysia, Public Gold’s Dinar wafers is the
one and only Syariah compliant Islamic gold wafer in Malaysia and Singapore.
Above all, Public Gold operates a fully integrated physical gold exchange centre that includes a physical
trading system and platform developed by in-house IT expert, which enables customers to access live
gold prices 24-hour a day and place buy-and-sell orders. Public Gold also embarked on Oracle ERP
Solutions, a world recognized IT Systems and Database solution to implement a highly sophisticated
Enterprise Resource Planning (ERP) system bringing the Group’s existing system to a new level of
advancement since May 2015.
Due to its rapid growth, Public Gold Group has recently penetrated into foreign markets namely Vietnam,
Singapore and Indonesia bringing the brand to greater heights.

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3. Presence Near You
Public Gold Global Public Gold Public Gold Public Gold Bishop / Public Gold Relau /
Business Centre Alor Setar Sg. Petani PG Gold Museum Public Safe
Public Gold Ipoh Public Gold Petaling Jaya Public Gold Ampang Public Gold Bangi Public Gold Seremban
Public Gold Kota Bharu Public Gold Public Gold Kuantan Public Gold Melaka Public Gold
Kuala Terengganu Johor Bahru
Public Gold Kuching Public Gold Miri Public Gold Public Gold Singapore Public Gold Indonesia
Kota Kinabalu
Outlet: Outlet: Outlet: Outlet:

Gurney Plaza, Penang Queensbay Mall, Penang Mid Valley Megamall, KL Suria Sabah, Kota Kinabalu

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4. How to register a new trading account
Pre-registration and Public Gold Online Order

(outside the office)
• Open the link http://www.publicgold.com.my
• Click “Login” and then click “Register Account”
• Key in the personal particulars and enter introducer PG code.

• Enter your own password
• Click “Submit”.

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• After you submit your personal particulars, you can log into Public Gold official
website using--
- Username is your I/C No.
- Password is the same password you created for online registration.
• Copy ID and click HERE:

- Username is your I/C No.
- Password is the same password you created for online registration.
• Click “Login”
• After successful login, you may directly view “My Account”.

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GAP / SAP Registration
For those new buyers who do not have PG CODE, their personal details and GAP
payment receipt can be sent to--
• Email: [email protected]
• WhatsApp: +6017-486 6916
• OR, contact nearest branch
Final Registration
1. Submission of Know Your Customer (KYC) form.
• In order to get your incentive, all dealers must complete Know Your Customer
(KYC) form at your servicing branch/online portal. (Before 3rd of following
month of your registered date)
Individual Account :
• Photocopy of I/C x 1
• Photocopy of Bank Book x 1 (for new registered Dealer and Priority Dealer only)
Company Account :
• Photocopy of Company SSM Form x 1
• Original Copy of Director Resolution for Appointed Person In-charge x 1
• Photocopy of Appointed PIC I/C x 1
• Company Bank Passbook x 1

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5. Ways To Do Transactions
5.1 Outright Purchase
5.2 Payment
5.3 Stock Collection
5.4 Gold / Silver Accumulation Program (GAP/SAP) Top Up / Withdrawal
5.5 Undertaking of Buy Back
5.1 Outright Purchase
5.1.1 Online
• Log on to Public Gold official website at www.publicgold.com.my

Step 1
• For new user, kindly register for new account (Referto page 4)
Step 2
• Proceed to place order after agreed on Terms of Sales

Step 3
• Order complete by receiving performa invoice confirmation.

• Proceed to payment and make appointment for stocks collection.
Step 4

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Public Gold Product Online Order
Step 1: Access Public Gold Home Page
• Open the link http://www.publicgold.com.my and click “LOGIN”
Step 2: Login Your Public Gold Account

• Key in username (PG code) and password and click “Log in”.
Step 3: Place Order

• Click “ORDER” for Purchase Order.

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Step 4: Search or Sort by Product
• You can choose product sort by category / product name.
Step 5: Add to Cart

• Check the product name and unit price of selected item.
• After that, insert Quantity amount provided into box.
• Click “Add to Cart”.
Step 6: Go To Cart Page

• Click on the “CART” button at right corner of order page.

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Step 7: Update Cart and Proceed to Next Page
• Check and confirm the item details, item price and quantity is correct.
• If you want to change Quantity, simply change the amount and click on “Update
Cart” to apply changes.
• Double check your order (quantity and price) before click button “Proceed to
the Next Page”.
Step 8: Proceed To Payment

• Select preferred branch and outlet to collect the stock.
• Next, you may proceed to select any Public Gold branch nearby your current
location to pick up your stock.

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• Next, you may proceed to choose payment option (Full Payment /Syariah Easy
Payment Purchase).
• Done tick Terms & Conditions, and click “Place and Proceed to Payment”.
Step 8: Proceed to Payment (Continue)

• System will prompt success if your order is successfully placed.
• Click “Continue to Payment Page”.

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Step 9: Payment Method (Method 1)
• Choose BANKING as payment method and click Proceed.
• After payment, please upload transaction or payment slip by clicking “Browse”.

• Click “Upload File”.
• After upload success, please kindly wait for our staff to process order as our
system will notify immediately after upload transaction or payment slip.

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Step 9: Payment Method (Method 2)
• Choose payment method as FPX (Online Payment) and click proceed
Step 10: Check Order History

• If you haven’t attach payment slip yet, you can attach later by login to your account,
click on “My Order”, and click on the order ID desired.

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5.1.2 Walk-in / Call-in
• Visit or contact the nearest Public Gold branch

• Seek for assistance from Customer Relations personnel
Step 1
• Refer to Public Gold Live Price for the item(s) that wish to
purchase
Step 2 • Once agreed to the Public Gold Live Price, customer/dealer can
place order with Customer Relations personnel, upon agreed
with the live price, no further changes are allowed
• For new buyer, information such as Full Name, NRIC, Mobile

Number, Email Address, Bank Account, Introducer Name and PG
Step 3 Code needs to be provided to Customer Relations personnel
for new registration and issuance of Sales Order
• For existing buyer, information such as Full Name, NRIC, and PG
Code needs to be provided to Customer Relations personnel
for issuance of performa invoice
• Customer Relations personnel will issue performa invoice based

on the ordered item(s) and to be handed over to buyer on the
Step 4 spot or to be send to buyer via email provided
5.1.3 Mobile Applications (Mobile Apps)
LOGIN
1. Click on the login button, then fill in your Username and password and click Login.

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2. If login details are valid, you will see your PG code display on the app.
VIEWING LIVE PRICE

1. Click on the Live Price tab to view current LIVE price of Public Gold products.
Price will update automatically when the timer reaches 0 second and minute.

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VIEWING PRODUCTS
1. You may click on the product menu that you want to browse to view all the
products.
2. After selecting one of the product category, you will be shown with a list of
products.

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VIEWING PROMOTION
1. You may click “Promotion Menu“ to view latest promotion.
BOOKING AN ORDER
1. You will need to login to accesss this service.
2. Select products that you wish to purchase, click add to cart.
3. Click view cart and choose option for shopping cart.
- choose order method
- collect from
- payment from
- payment type
4. Click check out after all the details are confirmed.

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CONTACT US
We provide you all the phone numbers of all our branches, just in case you needed
help.
SHARE APPS FEEDBACK

You can share Public Gold Application with Your feedback is very important to us. Do
your friends. let us know what you think or how we can
improve to serve you better.

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5.1.4 Gold In Transit (GIT)
1. Inform related branch for GIT transaction.

a. Proforma order
Or;
b. GAP withdrawal
2.Make sure full payment is make before proceed for GIT transaction.
a. For GAP withdrawal required to bank in Gold Premium in advance to
Public Gold Bank
Account as below:
PUBLIC GOLD MARKETING SDN. BHD.
i. Bank : Malayan Banking Berhad (Maybank)
Acc No : 5071-3410-4563
Swift No : MBBEMYKL
ii. Bank : Public Bank Berhad

Acc No : 3167-52-0833
Swift No : PBBEMYKL
b. After bank in Gold Premium, Whatsapp proof of payment to your service branch.
i. Refer Branches Contact list – https://publicgold.com.my/index.php/branch
3. After service branch received complete details, branch will proceed

for GIT requisition.
4. Receive instruction from branch to approve GIT transaction.
5. Login Public Gold Account at Public Gold Website. www.publicgold.com.my
6. At My Account page, find “My Shipping” tab as below, and click the button.

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7. After login to My Shipping page, find the shipping list which under “Unpaid” status.
And click on the ID number to view details.
8.Fill in shipping details as below.

a. Make sure the contact number is able to receive SMS. TAC will send via SMS to
verify the transaction.
b. Shipping charges as below:
1st 1g Incremental (1g)

West Malaysia RM 10 RM 2
East Malaysia RM 15 RM 2

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9. After click proceed button, receive TAC code via SMS as below.
10. Key in the TAC code into column and click “Proceed” button.

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11. After key in TAC confirm and verify the shipping, make payment for the shipping
charges. Select payment method, and click Proceed button.
a. Make payment via FPX.
Or;
b. Pay via bank transfer and upload the payment slip
12. After payment complete, Public Gold Branch will receive email notification and
proceed for GIT.
13. The parcel delivery date as listed below.
Submit by Before 4:00pm After 4:00pm

Monday Ship out by Tuesday Ship out by Wednesday
Tuesday Ship out by Wednesday Ship out by Thursday
Wednesday Ship out by Thursday Ship out by Friday
Thursday Ship out by Friday Ship out by Monday
Friday Ship out by Monday Ship out by Monday
Saturday Ship out by Monday Ship out by Monday
14. Consignment Tracking number will be able to obtain by request from service branch.
(soon will automatically update at My Shipping status)
15. Receive parcel within 3-5 working days. If more than 5days, kindly inform your
service branch.

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5.2 Payment
5.2.1 Payment Method Cash (not
more than
RM3,000)
Internet
Cheque
Banking
Payment
Methods
Automated
Telegraphic Teller
Machine
Transfer (ATM) Cash
Transfer
Cash
Deposit
Machine
5.2.2 Steps To Make Payment
• Receive sales order from Public Gold’s customer Relations personnel.

Step 1
• Full payment is to be made directly to Public Gold Marketing Sdn Bhd’s bank account
within 24 hours upon receiving the sales order.
Step 2
• Payment slip needs to be faxed (+604-64 64916) or emailed (payment@publicgold.

com.my) to Public Gold Account Receivable Division after the payment has been made
Step 3
• Sales order issue day

T day
• A soft reminder will be issued by Account Receivable Division through SMS/ call if the
payment is still in outstanding status
T+2 day
• Trading account will be automatically SUSPENDED without prior notice if no payment

is received/ noticed by Account Receivable Division
T+4 day
• Full payment is required to make before T+4 day

• Sales order will be automatically CANCELLED without prior notice on T+4 day if no
T+4 day
payment is received/ notice by Account Receivable Division
• Trading account will be continuously SUSPENDED if no payment is received/ notice by
Account Receivable Division
• Processing fee (5% of sales order price, or price discrepancy between sales order
selling price and current selling price on cancellation date, whichever is higher) has to
T+4 day be made
• Payment slip and Account Release Application Form needs to be submitted to Business
Representative team to release the trading account

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5.2.3 Bank Account
Outright Purchase
Bank : Malayan Banking Berhad (Maybank)

Account Name : Public Gold Marketing Sdn Bhd
Account No : 5071-3410-4563
Swift : MBBEMYKL
Address : 1-2-25, 1-2-26, 1-1-28 & 1-2-28, iAvenue Medan Kampung Relau 1,
11900 Bayan Lepas, Pulau Pinang.
Bank : Public Bank Berhad

Account No : 3167-52-0833
Swift : PBBEMYKL
Address : 1 & 3, Jalan Relau, 11900 Pulau Pinang.
Gold / Silver Accumulation Program (GAP / SAP)
Bank : Malayan Banking Berhad (Maybank)

Account No : 5571-3923-8048
Swift : MBBEMYKL
Address : 1-2-25, 1-2-26, 1-1-28 & 1-2-28, iAvenue Medan Kampung Relau 1,
11900 Bayan Lepas, Pulau Pinang.
Bank : Public Bank Berhad

Account No : 3167-52-0833
Swift : PBBEMYKL
Address : 1 & 3, Jalan Relau, 11900 Pulau Pinang.

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5.2.4 Gold Premium
LBMA Gold Bar EPP Gold Premium (RM) Gold Premium (RM)
Premium Fees (West Malaysia) (East Malaysia)
1g - 10 15
5g - 10 15
10g 10 15 30
20g 20 20 40
50g 50 40 80
100g 100 70 140
250g 250 100 200
1000g 1000 250 500
Dinar Wafer EPP Gold Premium (RM) Gold Premium (RM)

1/2 Dinar - 10 15
1 Dinar 5 10 15
5 Dinar 30 20 40
10 Dinar 50 40 80
Silver Bar/ Wafer EPP Gold Premium (RM) Gold Premium (RM)
250g 15 30 60
500g 25 40 80
1kg 50 40 80
5kg 250 120 240
Disclaimer : The above Gold Premium may subject to changes from time to time, without prior notice.
5.3 Stock Collection
• Make appointment with branch Customer Relations personnel for

Step 1 stock collection via phone call, SMS, or Email
• Visit the respective Public Gold branches upon making appointment

Step 2 within the next 2 working days. If not, appoinment becomes invalid
• Show Identity Card and submit original payment slip to Customer
Relations personnel for verification
• Check on the quantity and item purchased stated on the Invoice and
Step 3 Delivery Order
• Endorse the Delivery Order to acknowledge that the item received is
correct and non-returnable

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5.4 Gold / Silver Accumulation Program (GAP/SAP) Withdrawal

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Guideline for GAP Ar-Rahnu
1 2
Login to www.publicgold.com.my Click on “My GAP” on the top panel.

Click on “Login” button, key in username & password.
i. Username is your PG code
ii. Key in own password
*First time login user password is Full IC number without “-“.
iii. TICK check box.
iv. Click “Login” button.
3 4
Click button “ArRahnu” Key in transfer qty: Min 1gram for

transfer quantity and click “Request”
button.
5 6
Check and confirm transfer qty, make Transfer request submitted successfully.
sure all information is correct, and click • Payment will bank in within 2 working days.
“Confirm” button. • Make sure photocopy of I/C & Bank copy is updated.

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5.5 Undertaking of Buy Back
5.5.1 Ways To Lock Undertaking of Buy Back Price
Walk In
Phone
Online
Call
Ways to
Lock Price
Whatapps Email
SMS
* Customers are required to walk in to the respective branches to perform the buyback transaction within 24
hours after locked.
* Price locked cannot be cancelled. Otherwise, customer’s account will be suspended until a processing fee is paid.
* Processing fee of 5% on the buyback order buying price/ price discrepancy between purchase order buying
price and current buying price on cancellation date; whichever is higher.
5.5.2 Undertaking of Buy Back Transaction
• Visit nearest Public Gold branch and look for Customer Relations
personnel for buyback transaction
Step 1 • Bring along identity card, product(s) with certificate or LBMA product(s),
and buyback booking (of price locked via online)
• Refer and agree with Public Gold Live Price for buyback
• Purity of product(s) that wish to be traded in will be checked via
Step 2 density test
• Customer Relations personnel will issue Buyback receipt with listed

item(s), quantity, and price of buyback
Step 3
• Each item’s price will be deducted by RM10 if failed to provide products’
certificate (except jewellery)
• For LBMA product(s) steal has open will follow non LBMA price.
• Payment will be made by Account Department according to the

payment day base on transaction date and time (refer to following
Step 4 table)

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5.5.3 Payment Day
Maybank Account
Transaction Day Payment Day
Thursday (4pm - close) ; Monday
Friday (9am- close)
Saturday, Sunday (9am - close) ; Tuesday
Monday (9am- 4pm)
Monday (4pm - close) ; Wednesday
Tuesday (9am- 4pm)
Tuesday (4pm - close) ; Thursday
Wednesday (9am- 4pm)
Wednesday (4pm - close) ; Friday
Thursday (9am- 4pm)
Other Bank Account

Transaction Day Payment Day
Thursday (4pm - close) ; Tuesday
Friday (9am- close)
Saturday, Sunday (9am - close) ; Wednesday
Monday (9am- 4pm)
Monday (4pm - close) ; Thursday
Tuesday (9am- 4pm)
Tuesday (4pm - close) ; Friday
Wednesday (9am- 4pm)
Wednesday (4pm - close) ; Monday
Thursday (9am- 4pm)
Note: Payment will be transferred via Maybank Online Banking (payment will be delayed if bank
account details provided is incomplete or incorrect).

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6. Climbing the Dealership Ladder
6.1 Dealership Status

Public Gold Marketing Dealership Terms and Conditions
Dealer Priority Dealer Master Dealer
2. Activate your dealership

I. Submission of Know Your Customer (KYC) form.
i. In order to get your incentive, all dealers must complete Know Your Customer
(KYC) form at your servicing branch/online portal.
a) Photocopy of I/C x 1
b) Photocopy of Bank Book x 1
ii. Attend PG Golden Tour
iii. Attend Jutawanemas Leadership Training (JLT)
3. You are entitled to receive:
i. Monthly incentives
ii. Other bonus
4. Only Active Dealers are entitled for the monthly incentive.
 To remain Active, you must have at least one (1) own purchase / new buyer
referral every month.
 You will be able to view the monthly incentive statement on every 20th of the
month through PG website at www.publicgold.com.my.
5. Dealership Requalification
To remain as Public Gold authorized Dealer, you have to achieve Personal Sales of
minimum RM10k for dealer, RM50k for priority dealer and RM100k for master dealer
within 6 months period:
 1st half year: April to September
 2nd half year: October to March

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6. Update Personal Data
3 Methods:
a. Public Gold website (via amend Profile Data) www.publicgold.com.my.
b. Email to [email protected].
c. Fill in the “Customer Data Changes Form” at branches.
7. Miscellaneous
 You are not allowed to sell Public Gold Marketing Sdn. Bhd’s product if you is no
longer a Public Gold Marketing Sdn. Bhd authorized Dealer.
 You are strictly reminded to practice the “Dealer’s Code of Conduct” when
conducting business activities direct or indirectly related to Public Gold.
 You are reminded to uphold the positive image of Public Gold Marketing Sdn. Bhd
at all times. Public Gold Marketing Sdn. Bhd. reserves the right to withhold the
appointment of Dealer, or to claim compensation based on legal terms if you have
done any activities or spread rumors that will tarnish the company’s reputation.
 Kindly contact our Customer Service Hotline at +604-6439999 / [email protected]
or logon to www.publicgold.com.my for more information and details.
Disclaimer: Any business activities by Public Gold authorized dealers which is/are different from the official disclosed Business plan,
kindly conduct verification with Public Gold branch officers. Public Gold reserves any legal rights against any individuals or organizations
who misuse Public Gold’s Business Plan. Meanwhile, the Terms and Conditions above are strictly for reference used only and Public
Gold reserves the right to amend it from time to time without prior notice.
6.2 How to get your incentive on time...

Payment policy
1. Incentive below RM100 will be credited to PG Mall C-wallet.
a. For inactive account status, total of the incentive will be credit to C-wallet.
(updated by 1st August 2018)
2. For incentive above RM100, current month sales order incentive will be credited next
following 20th of calendar month.
3. If 20th falls on public holiday or Sunday, the Incentive will be credited on 21st of the
month.
4. Payment for the sales orders should be made and fax-in within the current month and
within 5 days of next following month.
Things MUST do
5. Submission of Know Your Customer (KYC) form. (Before 3rd of following month of
your registered date)
a. In order to get your incentive, all dealers must complete Know Your Customer
(KYC) form at your servicing branch/online portal.
i. Photocopy of I/C x 1
ii. Photocopy of Bank Book x 1
6. All payments MUST direct paid to Public Gold within 24 hours and stated Document
No. to be paid and PG code on payment advice. Please Whatsapp or Email your
payment advice within same day.
7. Dealer is only allowed to receive incentive through own bank account. No third
party account is allowed including immediate family members.
8. Kindly call to your bank home branch for the confirmation of identification registered
with bank.

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7. Dealer’s code of conduct Revised & updated : January 2019
DEALERS’ CODE OF CONDUCT
In the physical gold and silver trading business it is crucial to have a standardized guideline to protect the
welfare of its customers and general public to avoid any misconduct among Public Gold (PG) dealers
that may affect the genuity of the business and dampen the confidence level of the customers.
These rules of conduct are specially designed to make aware to customers and general public on Public
Gold’s expectations towards its authorized dealers’ especially in their dealings with customers on behalf
of the company. So they are aware of the actual rights, duties and responsibilities held by an authorized
PG Dealer
The term “Dealers” herein refers to Public Gold Dealers, Priority Dealers and Master Dealers and the
term “PG” herein refers to Public Gold.
The strength and success of Public Gold business is based on joint effort of an enduring partnership of
strong commitment and trust between the Company and Dealers.
It is compulsory for every PG Dealer to comply with PG’s Code of Conduct to establish and maintain
a good business reputation. PG will monitor the compliance of dealers from time to time and report
any breaches observed to related authority in order for a corrective action to be taken. PG reserves the
right to terminate any dealers found guilty of breaching the rules, when deemed necessary.
PRINCIPLES OF THE GUIDELINES
(a) GOOD FAITH – to ensure a level playing field for Dealers through ethical and responsible
business conduct, as well as to preserve the benefits of the Public Gold Sales and Incentive Plan
equitably for all Dealers.
(b) INTEGRITY – to maintain and preserve the unity, harmony and integrity, which is beneficial for
continuous growth of business, industry, environment as well as community in general in the long-
term as it is a business based on trust and honesty, which requiring a high degree of responsibility.
(c) QUALITY – to deliver quality and timely service by following up and provides continuous service
and updates to the customers.

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DEALERS’ CODE OF CONDUCT
REGISTRATION
1. Prospective PG Dealers are required to register themselves at any of PG branches across Malaysia before they are
deemed authorized to deal with customers or prospects. On top of that, these prospective PG Dealers have to be
above 18 years old and free from any insolvency at the time of application.
2. To register, PG Dealers are required to attach supporting documents such as a copy of identity card and banking
document (copy of bank book) together with the Original Registration Form to the respective PG branch for
verification purposes before submitting them to Public Gold Global Business Centre (PGGBC) for further processing.
3. PG encourages its prospective dealers to register using company account.
DEALERSHIP
4. Dealerships are open to companies and partners. Under partners’ dealership account, the dealership will be granted
to husband and wife, who are legally married to one another that are enforced under the local law on specific rights
and duties resulting from that relationship.
COMPLIANCE
5. It is in the obligation of PG Dealers to comply with all rule of conduct and other subsequent amendments made
thereof, effective from the date of registration. PG reserves the right to modify, amend and change any of its policies,
rule of conduct and other terms and conditions under PG Dealership without any prior notice.
6. PG Dealers are encouraged to practice the highest standards of behavior when dealing with customers and general
public. Good ethics must be encouraged, recognized, valued and followed by all PG Dealers.
7. PG Dealers must at all times observe the rules and regulations, laws and all code of practices by implementing them
in their dealership operations and refrain from any activity that may bring disrepute to themselves or PG in general.
8. PG Dealers are prohibited from condemning, tease and bad-mouth other dealers or initiate any malicious criticism
or slander against PG, its products, company officers and employees that would tarnish the company’s reputation.
9. PG Dealers are not allowed to use PG’s product name, data, printed information, advertising materials, corporate
meetings and other assets to make a direct comparison with other competitors of similar industry.
10. PG forbids its dealers from selling or promoting competitors’ products of similar industry to avoid any confusion or
uncertainty to their image creating a mix identity to the public.
11. PG Dealers are not allowed to establish any network in competitors’ company of similar industry to prevent them
from losing focus and specialization, in which PG believes are hindrance to their success.
12. PG Dealers should spread and share only the GOOD news about the business among fellow dealers, customers, and
prospects to retain and enhance a positive image of the business.
13. Dealers are not encouraged to borrow or lend money from other dealers to avoid any dispute or conflict.
14. PG Dealers must promote PG products based on the suggested retail rate as per listed on Public Gold’s official
website and other official channels approved by Public Gold management.
15. The logo is a registered trademark and can only be used by PG officials for corporate image building
and brand identification. PG Dealers should not use it for personal gains or other means, apart from the intented by
PG such as the misuse of brand name, logo and trademark including duplication, transmission, distribution, transfer,
translation, etc., without Public Gold’s consent or expressed written permission in advance.

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16. PG Dealers must not deceive its customers or prospects with improper product positioning in terms of pricing,
quantity, presentation or stock availability that may in return tarnish their name or reputation of the company. It is
inappropriate to solicit sales through explicit advertising on monetary value or other incentives on broadcast, print
or electronic media.
17. PG Dealers are restricted from any activities that could potentially damage PG products such as gold plating, gold
electroplating or any process that can cause impurities of gold.
18. PG Dealers are not allowed to invite, solicit or convince any other PG Dealer or registered customer to join or take
part in any other business or activity that are not organized by or related to Public Gold. (Newly updated on 22nd
Dec 2016)
19. In order to avoid adverse impact on the harmonic development of the Line of referral and damages on the referral
rights of his/her up line, a PG Dealer shall in no circumstances directly or indirectly and whether on his/her own behalf
or in conjunction with or by way of assisting any other person, solicit, interfere with or endeavor to entice another
Dealer or registered customer to break away from his/her up line network or to change his/her referral up line.
(Newly updated on 22nd Dec 2016)
20. Cross Group Buying or Selling/ Supplying: PG Dealers shall not engage in cross-group buying or selling / supplying.
“Cross group buying and selling / supplying” occurs when a Dealer sells or supplies Public Gold distributed or
supplied products and/or services to another Dealer or registered customer who is not personally introduced and
downline of her/himself. (Newly updated on 22nd Dec 2016)
SALES PRACTICE
21. PG Dealers are required to exhibit good knowledge on PG products in order to consistently provide high quality
services to its customers. In return, this will help boost sales growth exponentially and result in a long term strong
business network.
22. PG Dealers must pay close attention to restrictions and exclusions implied on any transaction (if any) and understand
the risk in using PG trading facilities as well as the correlation between risks and returns, such as the probability of
profit and loss.
23. PG Dealers are strictly not allowed to cancel any order upon submission, may it be through internet booking,
telephone booking, SMS or other booking channels.
24. PG Dealers are encouraged to know their customers well, inclusive of their backgrounds, as Know-Your-Customer
(KYC) policies are becoming increasingly important globally, apart from building good rapport with customers, this
could also prevent them from engaging in any money
laundering activities, financial frauds or even terrorist financing.
25. PG Dealers shall not abuse the trust given to them by practicing an efficient payment system such as acknowledging
receipt of payments made by customers and maintain a proper account of all monies received from purchase or
buyback of gold and silver. There should also be a clear distinction between customers’ monies and personal monies.
PG Dealers are encouraged to have a proper filing of product orders/ payment receipts and transfer the monies
received from customers to the nearest PG branch soonest possible.
26. PG Dealers should have a strong will to learn through empathetic listening, especially to those who are lack of
knowledge and understanding on gold and silver. PG Dealers should be able to explain clearly and precisely the terms
and conditions of purchase, particularly on prices, payments terms, buyback requirements, as well as stock collections.
Dealers are also required to be familiar with the company’s background and other operations procedures.
27. PG Dealers should not mislead, deceive or practice inequitable sales nor involve in money laundering activities,
pyramid scheme or any sort of dodgy get-rich schemes with PG products.
28. PG Dealers should make an initiative to understand their customers’ needs, may it for long-term savings, advisory
needs, or even to ease their choice of products, based on 24 hours live spot price published on PG official website.

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29. Should PG Dealers encounter any objection from the customers, they should emphasize on long term savings
through physical gold and silver whereby the longer they keep, the higher the value, in comparison to other types of
investments in the market.
30. PG Dealers are prohibited from conducting any illegal deposit taking or misuse of customers’ fund through the use
of Public Gold’s name for personal gain or illegal fundraising activities.
31. PG Dealers should not make any empty promises to customers or prospects.
Referral
32. When dealing with the prospective dealer, PG Dealers are required to provide accurate and complete information
on career opportunities, marketing plans, as well as right and duties of Dealers, and avoid at all times any false facts
or fraudulent sales presentation being given to the prospects. Any disapprove events that are expected to create
false perception, or unrealistic
commitments are not allowed to be presented to prospects.
33. PG Dealers are restricted from using misleading, fraudulent or bias tactics to promote to a Dealer. Master Dealers
are also not allowed to deride other dealers that are not directly linked for any reason.
34. Master Dealers are encouraged to train and motivate their entire dealers in order to establish and maintain a long
term sales network growth.
35. A healthy mindset is crucial among PG Dealers to improve the quality lifestyle of the family and motivating and
guiding other dealers through effective business development tactics for a better future.
36. As preventive measures, PG Dealers are advised not to engage directly or indirectly in any activity that may conflict
with PG’s nature of business. It is advisable for PG Dealers to seek advices and disclose any possible conflicts, may it
be actual, perceived or potential conflicts to their Master Dealer or PG Management, to avoid any possible damage
to the company’s reputation.
37. PG Dealers are encouraged to feedback any challenges or obstacles encountered in their business to their introducer
or Public Gold to obtain better solution ideas.
38. Should any of PG Dealers violates the Dealers’ Rules of Conduct, and the witness fails to report such violation to PG
despite having direct knowledge on its contents, he/she will be prosecuted and subject to disciplinary actions, as it is
believed that PG Dealers play a vital role in preventing unethical or fraud activities, in order to promote a transparent
business model and equitability to all customers.

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TYPES OF MISCONDUCTS
MINOR DISCONDUCT:
These include, but are not limited to:
I.) Dealer has direct knowledge on potential violations under Rules of Conduct but fails to report
such violation to PG.
II.) Absent from Dealer Code of Conduct Council hearing despite being notified beforehand.
III.) Condemn other PG Dealers and initiate malicious criticism or slandering against PG products,
employees and company’s reputation.
IV.) Reproduction of sales aids or PG literature without prior approval from PG management.
V.) Misrepresentation of price, quality, performance and availability of PG products.
VI.) Advertise incentives of clear and obvious monetary value as inducements to solicit sales in any
national advertising medium, including broadcast, print or electronic media.
VII.) Make any claims or assertions on the products, other than those listed in PG product lists.
MAJOR MISCONDUCT:
These include, but are not limited to:
I.) Engage in other competitors’ company activities which bring disrepute to him/ herself and PG
II.) Approach and persuade other dealers of PG to attend competitors’ company activities.
III.) Reproduce and misuse of logo, brand name, trademark of in any form without
authorization and approval from PG.
IV.) Involve in any activities, related to gold plating, gold electroplating or activities which can lead
to damage or impurities of gold.
V.) Involve in money laundering activities, financial fraud and terrorist financing activities.
VI.) Involve in any pyramid scheme, get-rich-scheme business or other deceitful activities by using
PG products.
VII.) Involve in any illegal deposit taking or misuse of customer’s fund for personal gains or illegal
fund raising activities by using ‘Public Gold’ name.
VIII.) Using misleading, fraudulent or unfair tactics to introduce a Dealer.

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CONSEQUENCES OF NON-COMPLIANCE
PG strives to promote and maintain uniformity in its Dealers’ Rules of Conduct to uphold the trust
and welfare of its customers within the physical gold and silver trading industry at all times.
We wish to advise all PG Dealers that those found in violation of PG Dealers’ Rules of Conduct will
result in disciplinary and corrective action, which may include, but are not limited to:
i.) Termination of dealership and business suspension at any time and for any reason deemed
fit by giving written notice.
ii.) No longer to be entitled to any Sale Incentive Program benefits, incentive or other benefits
as a PG Dealer.
iii.) No longer have the authority to sell PG products
iv.) Demote of dealership status
v.) Only be treated as a normal customer from then on.
Should there be any doubt on matters related to code of conduct, Dealers are advised to seek guidance
from their Introducer/Master Dealer, who may then seek advice from Public Gold’s Dealer Code of
Conduct Council, when necessary.
Dealers’ Code of Conduct Council will ensure all reports are dealt in a prompt, professional and
confidential manner. Reports can be filed confidentially and anonymously, if desired, to enquiry@
publicgold.com.my, accompanied by evidence of misconduct. Breaches observed will be reported to
related authority for further action.
Herewith, we seek for your kind cooperation to report any such incidents in order for us to move
forward as one, achieving greater wealth together.
To save your family, buy gold.

To help our nation, keep gold.
To follow your religion, use gold.

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8. Dealers’ Referral Link
What is the Dealers’ Referral Link?

The Dealers’ Referral Link is a link for the dealer to promote Public Gold website especially to the
new customer or prospect. Every dealer will have their own referral link, your name will be quoted as
the introducer when your customer or prospect log in to Public Gold’s website using your referral link
and register as a new online user.
Why must I promote Dealers’ Referral Link?

The Dealers’ Referral Link enables every new online registration that made on the referral link to auto
quotes your name as the introducer and you will never missed out for any new business opportunity.
Through this referral link, it allows you to better manage your business.
How am I going to start using the Dealers’ Referral Link?
Step 1: Get Your Own Referral Link

Your personal referral link can be found
on the “My Account” section after you
have log in to Public Gold Website. Then
click at “Business Center”.
Step 2: Start Promoting

Promote your referral link to your new
customer or prospect so that they can
log in to Public Gold Website using your
referral link.
Your new customer or prospect may

proceed to the login page and register
as a new online user.

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Your name will be appeared as the
introducer for the new registration and
you will never miss out for any new
business opportunity.
Disclaimer and Terms of Use

The following are terms of a legal agreement between you and PUBLIC GOLD. By using, promoting, or disclosing (or any
other relevant methods) of your personal Dealers’ Referral Link, you acknowledge that you have read, understood, and
agree to be bound by these terms. If you do not agree to these terms, please do not use, promote or disclose (or any other
relevant methods) your personal Dealers’ Referral Link to any third party.
1) The new customer/prospect registered under you is not secured until they have make any purchase, Public Gold will
detect the first purchase to determine who is the introducer for the new customer/prospect.
2) The report data available in the features are for your own reference only, disclosing any data to third party is
prohibited.
3) PUBLIC GOLD is not liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages,
including but not limited to, damages for loss of profits, revenue, goodwill, use, data, electronically transmitted orders,
or other economic advantage, caused and regardless of the theory of liability, arising out of any matter relating to
this features.
4) You have sole responsibility for adequate protection and backup of data and equipment used in connection with the
Site and will not make a claim against PUBLIC GOLD for lost data, re-run time, inaccurate output, work delays or lost
profits resulting from the use of the feature. You agree to hold PUBLIC GOLD harmless from, and you covenant not
to sue PUBLIC GOLD for, any claims based on using the features on the website.
5) If you have any problem, suggestion, comment, or you found a bug during the utility, you can send a message to
[email protected]
TIPS of usage:
I. Always keep in touch with your new customer/prospect by refer to the “Referral Report” to make sure they make
purchase online as their online account has quoted you as their introducer.
II. Always quote your Dealers’ Referral Link on the promotional material and distribute to the potential customer/
prospect.
III. Frequently promote your Dealers’ Referral Link via email, Facebook, Twitter or other social networks.

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9. Benefits of Becoming a Public Gold Dealer
In reward for our valued dealers commitments and contributions, Public Gold has taken the initiatives
to organize numerous leadership seminars for those who have achieved tremendous sales target in the
past 1 year to celebrate their excellent achievements.
Therefore, keep up the good work and you will be rewarded with great incentive trips! Approach our
Customer Relations and Marketing team to find out more. Hope to see you in the upcoming Sales
Incentive Program: Leadership Seminar.
9. 1 Sales Incentive Program-Leadership Seminar
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).

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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 PGLS?

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

(RM) (RM)
Non-MD 1st Seat - 3.3 million -
2nd Seat - 5.5 million -
MD 1st Seat 1 3.3 million -
2 1.3 million 3 million
2nd Seat 1 5.5 million -
2 2.5 million 5 million
**Applicable only for 2nd time qualifiers and above
PG10 Special - My First Oversea SIP

(RM) (RM)
Non-MD 1st Seat - 3 million -
2nd Seat - 5.5 million -
MD 1st Seat 1 3 million -
2 1 million 3 million
2nd Seat 1 5 million -
**Applicable only for dealers who have never before qualify any Public Gold SIP oversea trip
including their spouse.

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PG10 Special - Early Bird Challenge

(RM) (RM)
FY2018 New Single - 2 million -
Dealers Double - 4 million -
(Join month*plus
6 months)
Existing Non-MD Single - 2 million -
(April to Double - 4 million -
September 2018)
Existing MD Single 1 2 million -
(April to 2 1 million 2 million
September 2018)
Double 1 4.2 million -
**Applicable only for dealers who have never before qualify any Public Gold SIP oversea trip
including their spouse.
You may also earn bonus sales to qualify for the PGLS. Please refer to the Latest Marketing Promotion.
SALES INCENTIVE PROGRAM: LEADERSHIP SEMINAR 2018-2019 BALKAN

Terms & Conditions
1. Public Gold Leadership Seminar (PGLS) 2018/19 at BALKAN.
2. Program period: 1st April 2018 to 31st March 2019.
3. Prizes given are not transferable or exchangeable for cash in part or in full.
4. Public Gold Marketing Sdn Bhd reserves the rights at its sole discretion to substitute with other
prizes that are of equal or greater value.
5. The trip will be conducted in groups on specific dates appointed by the designated travel agent.
6. 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.
7. All achievers must abide to the terms and conditions imposed by the organizer as well as terms and
conditions attached to the prizes, if any.
8. All achievers are required to attend the prize presentation ceremony and other publicity programs
as and when required at their own costs and expenses.
9. Public Gold Marketing Sdn Bhd 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.

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9.3 Qualifying Bonus (Q-Bonus)
Q-Bonus is a Sales Incentive

Program is customized to
motivate and reward Public
Gold authorized dealers who
have outstanding and consistent
sales performance within the
stipulated SIP financial year. A
total of RM12, 000.00 CASH
will be rewarded to each dealer
as an added bonus for achieving
a consistent monthly sales
target for 6 months, 9 months
or 12 months consecutively
throughout the respective SIP
financial year.
Terms and Conditions:
1. Sales calculation shall follow the SIP financial year, which is from
1st April 2018 to 31st March 2019.
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.
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.

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9.4 Localized Marketing Fund
1. Applicants must achieve the following requirements in order to be eligible for the monthly
localized marketing fund:
 Monthly valid personal new recruits of 10pax for the past 3 months in which full payment has
been cleared as per the stipulated period for new recruits’ order.
 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.
2. 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.
3. Submission of application is based on first-come-first-serve basis. 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.
4. This localized marketing fund is to solely subsidize the promotional and advertising materials’
production cost, excluding expenses for seminars or events.

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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.

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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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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
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
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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 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.

54
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.

55
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

56
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

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Dealer

Herewith, we hope to bring you great abundance and success through

Dato’ Wira Louis Ng

About Public Gold-Physical Exchange and Trading Centre

Why Public Gold?

Our Main activities:

©Copyright of Public Gold Marketing Sdn. Bhd.

©Copyright of Public Gold Marketing Sdn. Bhd.

Outlet: Outlet: Outlet: Outlet:

©Copyright of Public Gold Marketing Sdn. Bhd.

Pre-registration and Public Gold Online Order

• Key in the personal particulars and enter introducer PG code.

©Copyright of Public Gold Marketing Sdn. Bhd.

• Copy ID and click HERE:

• After successful login, you may directly view “My Account”.

©Copyright of Public Gold Marketing Sdn. Bhd.

©Copyright of Public Gold Marketing Sdn. Bhd.

5.1 Outright Purchase

5.3 Stock Collection

5.4 Gold / Silver Accumulation Program (GAP/SAP) Top Up / Withdrawal

5.5 Undertaking of Buy Back

5.1 Outright Purchase

• Log on to Public Gold official website at www.publicgold.com.my

• Proceed to place order after agreed on Terms of Sales

• Order complete by receiving performa invoice confirmation.

©Copyright of Public Gold Marketing Sdn. Bhd.

Step 2: Login Your Public Gold Account

Step 3: Place Order

©Copyright of Public Gold Marketing Sdn. Bhd.

Step 5: Add to Cart

Step 6: Go To Cart Page

©Copyright of Public Gold Marketing Sdn. Bhd.

Step 8: Proceed To Payment

©Copyright of Public Gold Marketing Sdn. Bhd.

Step 8: Proceed to Payment (Continue)

©Copyright of Public Gold Marketing Sdn. Bhd.

• After payment, please upload transaction or payment slip by clicking “Browse”.

©Copyright of Public Gold Marketing Sdn. Bhd.

Step 10: Check Order History

©Copyright of Public Gold Marketing Sdn. Bhd.

• Visit or contact the nearest Public Gold branch

• For new buyer, information such as Full Name, NRIC, Mobile

• Customer Relations personnel will issue performa invoice based

5.1.3 Mobile Applications (Mobile Apps)

©Copyright of Public Gold Marketing Sdn. Bhd.

VIEWING LIVE PRICE

©Copyright of Public Gold Marketing Sdn. Bhd.

©Copyright of Public Gold Marketing Sdn. Bhd.

©Copyright of Public Gold Marketing Sdn. Bhd.

SHARE APPS FEEDBACK

©Copyright of Public Gold Marketing Sdn. Bhd.

1. Inform related branch for GIT transaction.

ii. Bank : Public Bank Berhad

3. After service branch received complete details, branch will proceed

4. Receive instruction from branch to approve GIT transaction.

5. Login Public Gold Account at Public Gold Website. www.publicgold.com.my

©Copyright of Public Gold Marketing Sdn. Bhd.

8.Fill in shipping details as below.

b. Shipping charges as below: