COMPANY PROFILE

Smart Planner Biz Services Sdn Bhd (956625-A) is a trading company incorporated under the Companies Act 1965. Its core business is buying and selling PAMP 999.9 gold bar, gold jewellery and gold pawn business. Missions To create wealth opportunities for our clients and business partners by focusing on the values of our people, product and services. Philosophies The core values are based upon the trust, integrity and professionalism of our people. Focus on building strong relationship with our clients and business partners. Working environment on the culture of good leadership and family values. The daily business and our operations are conducted at our main office at: No. 35-1-1A, Jalan Medan PB2B, Seksyen 9, Bandar Baru Bangi, 43650 Selangor. Contact: Tel/Fax : 03-8926 8850 Email: smartplanner88@yahoo.com

Bank Account No: Smart Planner Biz Services Sdn Bhd Maybank: 562834615181 CIMB: 12370001316107

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BASIC ABOUT GOLD

WITH UNCERTAINTY OF THE WORLD ECONOMY THAT AFFECTS ALMOST ALL KINDS OF INVESTMENT, WHAT WOULD BE A BETTER OPTION THEN GROWING OUR CAPITAL? Gold is a Safe Haven for Investors, Governments and Banks. Gold had played the role of money for many centuries in almost all civilizations Money and is often used as an effective hedge against fluctuation in the US dollar, the worlds main trading currency Portfolio Diversifier & A Safer Alternative Investment. Price of Gold is usually affected positively in the event of economic & political crisis & natural disasters Apart from its beauty, great demand and attractiveness to be made into jewellery and coinage, it has many other useful applications such as dentistry, manufacturing and etc. It is also a very good electricity conductor and resistant to corrosion. Most importantly gold is very valuable and is the only international currency. It cannot be manufactured or destroyed, unlike paper currencies. Therefore all the gold ever mined is still in existence. It is estimated that there is over 150,000 tons of gold in the world. Being the only physical currency of value there will always be a demand for gold and in times of financial turmoil or war it is the only safe haven that governments and investors turn to as it is the best hedge against inflation. Historically, gold prices have always increased over time. To many people, wealth is measured by the amount of gold reserves someone has. Gold should also be part of any savvy investors portfolio. It is said that at least 15-25% of anybody's assets and/or investments should be in gold.

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GOLD MEASUREMENTS
Purity of gold is most measured in Carat, also spelt Karat in the US. The finest and purest gold is 24 carat (K). : - Carat Rating (K) = 24 x (total mass of gold / total mass of the material) Example: if (total mass of gold is 75% mass / 100% mass of material) x 24 = 18K Gold. Since 24K gold is the purest quality, it is 100% Gold although it is always said as 99.9% based on the concept that there can never be a total purity. This 99.9% gold also means that there are 999 gold particles per 1000. Investor will see pure gold stamped 999 and commonly 916 or 750 on jewellery. 22 Carat Gold is 916, 18 Carat Gold is 750. 916 Gold is most famously used in the making of jewellery. This is because 999 gold is still quite soft and less suitable for daily or more rough use whilst 916, 750 or lower grades of gold are more durable as they have different metals in them. Depending on the application e.g. jewellery, dentistry, manufacturing etc different metals are added. Common metals added are copper, silver, rhodium and even platinum. Talking about weight of gold, the worldwide unit commonly used is Troy Ounces. Many types of gold bars, coins and others are sold in Troy Ounces. Most worldwide gold markets state their prices in Troy Ounce although in the matter of gold a lot of the time its just said as Ounce. The other unit of weight measurement is in Grams following the metric system. Many types of gold are also sold in Grams. 1 Troy Ounce = 31.103477 Grams and 1 Gram = 0.0321507 Troy Ounce Finally, the not so well known but available in Malaysia and other Islamic countries (available in other countries as well but rare) is the Gold Dinar. The Gold Dinar is always in form of a coin e.g. 1 Dinar and has deep Islamic history attached to it and was used as currency in the past, in fact it is rumoured to be used in certain countries even now. 1 Dinar = 4.25g and Gold Dinar is 22K purity.

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GOLD CERTIFICATION - PAMP SUISSE

Pamp (Produits Artistiques de. Mtaux Prcieux SA) Suisse was founded in Chiasso in 1977, and refines around 400 metric tons of gold each year. It is primarily known as a major producer of gold monetary bars, sold throughout the world. PAMP also produces a broad choice of specialized products in solid gold. These include coins, medals, jewellery. Pamp Suisse is based at PAMP SA CH-6874 Castel San Pietro, Switzerland. Today, PAMP controls more than half of the world market for gold bullion bars weighing less than 50-grams. PAMP offers a comprehensive range of gold bullion bars - refined up to 999.9, or even 999.99 purities and available from 400-ounce (12.5-kgs, accepted as 'Good Delivery' in all major markets worldwide) through to kilo, ten-tola, 100-grams and tael bars. Sizes and purities of bars are matched to the special requirements of regional markets, fabricators or end users. PAMP employs only sworn assayers of precious metals, who work in accordance with the Swiss Precious Metals Control Law. PAMP's assay laboratory is, in addition, certified as conforming to the general competency requirements to carry out tests and/or calibrations, including sampling, of the International Organization for Standardization (ISO / IEC '17025 : 2005' Accredited). PAMP also stands as one of only five 'Approved Good Delivery Referees' of the London Bullion Market Association (LBMA), responsible for the testing of samples, the provision of reference samples, and other functions in support of the 'Good Delivery' system. Given its large production capacity and highly automated processes, PAMP can provide a rapid availability even in the most hectic markets due, in part to the inhouse development of original equipment for casting bars, including a continuous casting line for ten-tola bars (3.75-ounces) and100-gram bars.

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YOUR FUTURE SECURITY

OWN A GOLD ALWAYS Smart investors always diversify. Wise investors always include gold in their asset mix. Unlike paper investments such as stocks, bonds, and even dollars, gold is A COMMODITY that is always in demand. When the Internet bubble burst, a tonne of tech stocks fell to pennies, even to zero. Since 1980, an ounce of gold has never been worth less than $250. Worldwide gold production is not matching world gold consumption, price will go up with demand

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The forces converging into a perfect storm

Global instability Terrorist acts and threats in the US and Europe Ongoing violence in Iraq, Afghanistan No solution to Israeli/Palestinian conflict Decline of the US Dollar Huge, growing federal debt and trade deficit Dependency on foreign financing Interest-rate bind Fed holding down rates to keep debt-fueled economy afloat Low rates make cash a poor investment Fed will have to increase rates to finance federal debt Rate increase likely to kill housing market and refinances Investment climate Investors, burned once, are leery of paper assets, real estate Owning gold legalized for 1.2 billion people in China Jewelry and other industrial demand strong Limited supply of gold Established mines producing less gold 7-year exploration-to-production cycle Mergers of mining companies Central Banks selling less gold

Effect of each of these forces on the price of gold

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ONLY GOLD GROW MORE PRECIOUS

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GOLD AS AN INVESTMENT
Gold and Inflation - In recent years, there has been a striking increase interest in gold. Not only due to a price rally but demand has outstripped supply with this resurgence, there are many reasons why people and institutions around the world are once again investing in gold. In the 1900s, the gold price was only US$20.67/oz but today as at end December 2009, the price of gold is around US$1200/oz as compare to the real value of most currencies has generally declined. Investors in gold feel that after all the research, it is pointing towards gold as a protector of wealth against the ravages of inflation. Economists suggested over the long term, through both inflationary and deflationary periods, gold has consistently maintained its purchasing power. In the short run, experience has shown that gold can offer opportunities for impressive returns. Gold has long been regarded by investors as a good protection against depreciation in a currencys value, both internally (i.e against inflation) and externally (against other currencies). In the latter case, gold is widely considered to be a particularly effective hedge against fluctuations in the US dollar, the worlds main trading currency. The gold price was found to be negatively correlated with the US dollar and this relationship appeared to be consistent overtime and across exchange rates. The research established that despite this period (1971-2002) being one of considerable economic turbulence, gold was consistently good protection against this instability and the exchange rate fluctuations it caused. The results suggested that gold is not only a more potent hedge against the US dollar than other commodities, but also that it provides protection when most needed when the dollar is losing value , with relatively little loss of upside during a period of dollar appreciation.

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GOLD RISKS
Liquidity Risk - The value of gold cannot be affected by the economic policies of the issuing country or undermined by inflation in that country. 24-hour trading, a wide range of buyers - from the jewellery sector to financial institutions to manufacturers of industrial products. The wide range of investment channels available, including coins and bars, jewellery, futures and options, exchange-traded funds, certificates and structured products, make liquidity risk very low. Market risk - The downside risks associated with the gold price are very different to the risks associated with other assets, a factor which enhances gold's attractiveness as a portfolio diversifier. For example, should a central bank announce its intention to engage in substantial sales of gold, as happened prior to the Central Bank Gold Agreement in 1999, this would be unlikely to have an impact on equity returns but could reasonably affect the gold price in the short run. Volatility - The gold price is typically less volatile than other commodity prices. This is because of the depth and liquidity of the gold market, which are supported by the availability of large above-ground stocks of gold. The fact that gold is virtually indestructible, nearly all of the gold which has ever been mined still exists, much of it in near market form. This means that sudden excess demand for gold can usually be satisfied with relative ease.

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GOLD DEMAND
Gold's extensive appeal and functionality, including its characteristics as an investment vehicle, are underpinned by the supply and demand dynamics of the gold market. Demand - Demand for gold is widely spread around the world. East Asia, the Indian sub-continent and the Middle East accounted for 70% of world demand in 2008. 55% of demand is attributable to just five countries - India, Italy, Turkey, USA and China, each market driven by a different set of socio-economic and cultural factors. Jewellery demand - Jewellery consistently accounts for over two-thirds of gold demand. In the 12 months to December 2008, this amounted to around US$61 billion, making jewellery one of the world's largest categories of consumer goods. In terms of retail value, the USA is the largest market for gold jewellery, whereas India is the largest consumer in volume terms, accounting for 24% of demand in 2008. Indian gold demand is supported by cultural and religious traditions which are not directly linked to global economic trends. Generally, jewellery demand is driven by a combination of affordability and desirability by consumers, and tends to rise during periods of price stability or gradually rising prices, and declines in periods of price volatility. A steadily rising price reinforces the inherent value of gold jewellery, which is an intrinsic part of its desirability. Jewellery consumption in the developing markets was, expanding quite rapidly following a period of sustained decline, although recent economic distress may have stalled this growth. But several countries, including China, still offer clear and considerable potential for future growth in demand.

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GOLD DEMAND
Investment demand - Because a significant portion of investment demand is transacted in the overthe-counter market, it is not easily measurable. However, there is no doubt that identifiable investment demand in gold has increased considerably in recent years. Since 2003 investment has represented the strongest source of growth in demand, with an increase in the last five years in value terms to the end of 2008 of around 412%. Investment attracted net inflows of approximately US$32bn in 2008. There are a wide range of reasons and motivations for people and institutions seeking to invest in gold. And, clearly, a positive price outlook, underpinned by expectations that the growth in demand for the precious metal will continue to outstrip that of supply, provides a solid rationale for investment. Of the other key drivers of investment demand, one common thread can be identified: all are rooted in gold's abilities to insure against uncertainty and instability and protect against risk. Industrial demand - Industrial, medical and dental uses account for around 11% of gold demand (an annual average of over 440 tonnes from 2004 to 2008). Gold's high thermal and electrical conductivity, and its outstanding resistance to corrosion, explain why over half of all industrial demand arises from its use in electrical components. Gold's use in medical applications has a long history and today, various biomedical applications make use of its bio-compatibility, resistance to bacterial colonization and corrosion, and other attributes. Recent research has uncovered a number of new practical uses for gold, including its use as a catalyst in fuel cells, chemical processing and controlling pollution. The potential to use nanoparticles of gold in advanced electronics, glazing coatings, and cancer treatments are all exciting areas of scientific research.

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GOLD SUPPLY
Mine production - Gold is produced from mines on every continent except Antarctica, where mining is forbidden. Operations range from the tiny to the enormous and there are several hundred operating gold mines worldwide. The overall level of global mine production is relatively stable, averaging approximately 2,485 tonnes per year over the last five years. The comparatively long lead times in gold production, with new mines often taking up to 10 years to come on stream, mean mining output is relatively inelastic and unable to react quickly to a change in price outlook. Recycled gold (scrap) - Recycled gold (or scrap) ensures there is a potential source of easily traded supply when needed, and this helps to stabilise the gold price. The value of gold means that it is economically viable to recover it from most of its uses, where it is in a form that is capable of being, if need be, extracted, then melted down, re-refined and reused. Between 2004 and 2008, recycled gold contributed an average 28% to annual supply flows. Central banks - Central banks and supranational organisations (such as the International Monetary Fund) currently hold just under one-fifth of global above-ground stocks of gold as reserve assets (around 29,600 tonnes). On average, governments hold around 10% of their official reserves as gold, although the proportion varies country-by-country. Gold production - The process of producing gold can be divided into six main phases: finding the ore body; creating access to the ore body; removing the ore by mining or breaking the ore body; transporting the broken material from the mining face to the plants for treatment; processing; and refining. This basic process applies to both underground and surface operations. The world's principal gold refineries are based near major mining centres, or at major precious metals processing centres worldwide. The largest is the Rand Refinery in Germinston, South Africa.

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OUR GOLD 100 grams 500 grams 1000 grams

Jewellery

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THE CONCEPT
The buying gold price will be based on the retail price of gold in the market (subject to any promotional discounts). Retail price can be referred to Federation of Goldsmith and Jeweller Association Malaysia (FGJAM) @ www.fgjam.org.my. The minimum investment is 100g for individual & 1000g for corporate. Gold retail price per gram = RM200.00 Gold Bar 1000g = RM200,000.00 Cheque made payable to the company. The moment the customer cheque clear (3 to 4 days), the gold can be collected or send to the customer within 5 days with 1% to 2.5% gold rebates. The gold rebates can be converted to cash base on market value. Example: RM200000 = 1000g Gold Bar + 25g gold rebates (convert to cash = 25g * 200 = RM5000) The customer will keep the gold for safekeeping and act as a capital protection because of the value of the gold in hand are re-sellable to any goldsmith all over the world. The minimum period of the contract is 3 months. The customer need to return the gold to the company on the 25th days of the monthly calendar base on the purchase date for evaluation and the company with return to the customer the same value of gold after 5 days with another 1%-2.5% gold rebates. After the expiry of the contract, the customer have an options to sell back the gold to the company, sell it to other goldsmith or just keep the gold. Should the customer choose to sell back the gold, the company will offer to buy the gold at the same price as per contract.

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Rebates Calculation
Rebates/Gram Rates Gold Rebates/g 3 months 1 year Value Convert to Cash 3 months 1 year 100g 1.5% 1.5g 4.5g 18g RM 150 450 1800 1000g 2.5% 25g 75g 300g RM 5000 15000 60000 3000g 2.5% 75g 225g 900g RM 15000 45000 180000 5000g 2.5% 125g 375g 1500g RM 25000 75000 300000

Prepared by: Nor Azmi Omar, CFP HP: 012-6556250 Email: smartplanner88@yahoo.com

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