ar rahnu biz model -230308

VC Gold Sdn. Bhd.

A World of Gold.

OUR VISION & MISSION• VISION

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

• MISSIONTo actively build a large community of gold owners through innovative offerings of attractive gold investment products.

• OUR STRATEGY - To collaborate with Ar Rahnu partners, gold refiners, gold

retailers, relevant government authorities and other gold investors.

HOW GOLD STORES WEALTH

• SAFE HAVEN ( do not rely on an issuer’s promise to pay)

• DOLLAR HEDGE ( hedge against fluctuation in the USD)

• INFLATION HEDGE ( keeps purchasing power)

• PORTFOLIO DIVERSIFICATION

Range of Innovative Programs

1. Conventional Pawning (Jewellery)

2. Gold Roll Over Programme 1+2

3. Buying and selling used gold

4. Jewellery Plus

1. Millenium Ar-RahnuGet more $$ from your Jewellery.

YourGold Jewelry

Millenium Ar-Rahnu

We advance you 80% of Current Market Value.

1 % Safekeeping Charge per month.

Upon Expiry of Term,You will redeem

Your Gold Jewelry by payingThe Advanced Value

Of 80%.If you are unable to

Redeem, we shall auctionoff product and after

Deduction of AdvanceAnd Expenses, will Pay you the balance,

If any.

6 months Term + 14 days grace

period.

1. Millenium Ar-RahnuGet more $$ from your jewellery.

@$50,000

Millenium Ar-Rahnu

We advance you 80% of Market

Value.$40,000


$500 p.m.

Upon Expiry of Term,You will redeem

Your Gold Jewelry by payingThe Advanced Value

Of $40,000 less $6,000 (safe-keepingCharge of 6 months.

$34,000If you are unable to

Redeem at end of term, we shall auctionthe gold jewelry and after

Deduction of Advance & Expenses, will Pay you balance leftover, if any.

6 months Term + 14 days grace

period.

2. Jewellery PlusSqueeze Income out of your Jewelry yet maintain ownership of it.

Millenium Ar-Rahnu

We advance you 80% of Current Market Value.


You use the Advanced $AmountTo buy our 999.9 Gold

and participate in our Valued ClientReward Program.

You get paid 1.5% per month nettOf safekeeping charges.

12 months Term extendable.

14 days grace period.

2. Jewellery PlusSqueeze Income out of your Jewelry yet maintain ownership of it.

916 @ market value$50,000

Millenium Ar-Rahnu

We advance you 80% of Market

Value.

$40,000

1 % Safekeeping Charge.

$500 p.m.

You use the $40,000To buy our 999.9 Gold

and participate in our Valued ClientReward Program.

You get profit share 2.5% p.m.$1000 p.m..

less safekeeping charges.$500 p.m.

You receive RM500 incomePer month.

12 months Term extendable.

14 days grace period.

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

You buy100 gm

VC100 gm

VC100 gm

KOJUTA Ar-Rahnu

Advance to You.

Kojuta advances you 65% of Total Value to be used

as payback to VC.

You now own 300 gm of gold in

Kojuta but owe Kojuta 65% as

advance

You pay 1 % Safekeeping

Charge per month.

VC pays You2.5% on 300 gm

Less 1% SafekeepingCharge to Kojuta.

You earn Nett 1.5%On 300 gm.

Equivalent to 4.5%Of Your 100 gm.

Upon Expiry,You will receive

$ Value for 300 gmOf Gold at EntryOr Then Market

Price. You Pay BackKojuta Advance +

Bal of VC Advance.The Remainder

is Yours

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

You buy100 gm $10,000

VC100 gm$10,000

VC100 gm$10,000

KOJUTA Ar-Rahnu$30,000

Advance to You.

Kojuta advances you 65% of Total Value to be used

as payback to VC.$19,500

You now own 300 gm of gold in

Kojuta but owe Kojuta $19,500.


VC pays You2.5% on 300 gm

$750.00 p.m.Less 1% Safekeeping

Charge to Kojuta.$300 p.m.

You receive Nett $450.00 p.m.Equivalent to 4.5%Of Your 100 gm.

Upon Expiry,You will receive$30,000 for the

300 gmOr Then Market

Price. You Pay BackKojuta $19,500 +

VC $500.The Remainder

is Yours

4. Buy And Sell Gold Jewellery

VC Gold Sdn. Bhd.

NEWS HIGHLIGHT

AR-RAHNUSyariah-based Pawnbroking

The New Millennium Ar Rahnu

VC Gold collaborate with Ar Rahnu partners

First branch - KOJUTA AR RAHNU ( DESA PANDAN)

Lucrative Business Model by VC Gold

Total Used Gold ( in pawnshops and Ar Rahnu) = RM20 Billion

Objective : To capture 50% of the total used gold market share by opening 36 more outlets throughout Malaysia and

collaborating with another 87 existing Ar Rahnu establishment.

Competitor Analysis

MarginSafe keeping fee

Tenure

Bank Rakyat65% 1.3%

6+6+3months.

Conventional Pawnshops 50%-70% 2% 6 months

VC Millenium Ar-rahnu 80% 1%

6 months + 14 days

Millenium Ar-Rahnu Shareholding Investment

VC Gold Sdn. BhdShareholding

51%102 kg Gold

InvestorsShareholding

49%98 kg Gold

Millenium Ar-RahnuBusiness

Capital 200 kg Gold

Kojuta Ar-RahnuLicensee

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

ar rahnu biz model -230308

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