I Rewards FAQ

Frequently Asked Questions

General

What is irewards?
irewards is a customer loyalty program company focusing in rewarding members with never ending benefits. Members were able to enjoy from amazing travelling trip, wonderful hotel and resort stays, beauty & healthcare, life-long-learning courses to incredible discounted products and services.

How does irewards work?
Members will receive irewards Voucher Booklet with irewards Cash Card. With irewards Voucher Booklets, members were able to do redemptions and gain Cash Rebates through irewards Cash Card.

How do I join irewards membership?
You cannot join irewards membership directly. You have to make purchases on selected products from the Merchants. From the selected products, you will be entitled for a Voucher Booklet.

Voucher Booklet

Can I still redeem the Redemption Vouchers if I left my Voucher Booklet at home?
No, your Redemption Booklet must be presented during purchase.

What happens if I lose my irewards Voucher Booklet?
There is no replacement for the Voucher Booklet. You can obtain a new Voucher Booklet through making purchases from our Merchants.

I do not want to go for the FREE travelling trip package offered in the Voucher Booklet. Can I transfer the tips to someone else?
Yes. You can transfer the FREE travelling trip package to your family and friends.

What does the FREE travelling trip package includes?
The FREE travelling trip package includes FREE 3-star accommodation, 3-times a day meal and also tour guide.

Are there any other charges for the FREE travelling trip package?
You just need to pay for your own air ticket, visa, tipping, and booking service charges.

Do I need to make any appointments before redemptions?
Yes, you need to call in the respective Merchants for prior appointment before redemption.

When does the Voucher Booklet expire?
The Voucher Booklet is valid until 31 December 2011 but some of the Vouchers have their own expiry date. You have to check on the expiry date as it defers from Merchants.

Are the promotions and offers valid throughout the Voucher Booklet’s validity?
No, the promotions and offers are valid while stocks last.

Can I use the Discount Vouchers at the Merchants’ outlet stores?
No, you cannot use the Discount Vouchers at the Merchants’ outlet stores. The promotions and offers presented in the Voucher Booklet are meant for irewards Online Order only. Merchants’ outlet stores will not accept the vouchers.

If I have more than ONE(1) irewards Voucher Booklet, can I still redeem using the other irewards Voucher Booklets?
No, one person is only entitled for 1 irewards Voucher Booklet. You can transfer the Voucher Booklet to your family members or friends.

Can foreigners from other countries use this Voucher Booklet to go for the free Macau Trip?
Yes, only foreigners from China, Indonesia and Thailand can use the Voucher Booklet to go for the free Macau Trip. A surcharge of RM150 will be applied to them.

Can foreigners from other countries use this Voucher Booklet to go for the Shanghai Trip?
No, foreigners are not applicable to use this Voucher Booklet to go for the Shanghai Trip.

Irewards Cash Card

What is irewards Cash Card?
irewards Cash Card is a VISA prepaid card which can be used at any merchants displaying VISA logo. This Cash Card has the same functions as a Debit Card but the Card holder doesn’t need to open a bank account to own irewards Cash Card.

Why should I apply irewards Cash Card?
irewards Cash Card holder will be entitled for Cash Rebate benefits offered by our Participating Partners:
- Enjoy higher Cash Rebate on all your purchases anytime, anywhere at our participating Merchants
- Cash Rebate automatically credited into your irewards Card every month
- Personalised assistance whenever you need it with irewards Customer Service

The irewards Cash Card looks like a Credit. Is this a Credit Card?
No, irewards Cash Card is not a Credit Card or a Debit Card. This is a Cash Card where you have to reload Cash into the Cash Card first before doing any purchases. This Cash Card is a EON VISA Cash Card. You can reload the Cash Card at any EON ATM machines nationwide or any other ATM machines with additional charges.

What are the age requirements to apply irewards Cash Card?
- Age 18 years and above
- Age 12 to 17 years (special form to fill up with parents signature)

Can I apply more than ONE (1) Cash Card?
No, 1 cardholder only entitled for 1 Cash Card.

How do I cancel my Cash Card?
Call 03-26161133 to cancel your Cash Card.

What do I have to do I lost or theft of Card:
- You have to report lost to Bank by using your IC as reference
- Bank will replace the Card to you
- A fee of RM20 will be bear by you
- You have to resubmit the application form to irewards

What are the charges for me to apply irewards Cash Card?
- Joining Fee : RM20.00 (waived)
- Annual Fee : RM20.00 (first year annual fee waived)
: spend at least 12 times over the preceding 12 months to enjoy subsequent annual fees waive.
- Activation Fee : RM20.00

What are the Cash Card’s reload details?
- Initial top up amount : RM50.00
- Maximum card value : RM5,000 (12 ��" 17 years old)
RM10,000 (18 years old and above)
- Minimum card value : Zero Value
- Number of reload : Maximum 2 times per day

What are the Cash Card’s ATM withdrawal details?
- EON Bank ATMs : FREE
- CIRRUS/PLUS ATMs : RM10.00
- Max withdrawal : RM3,000 per day

Can I apply for a Supplementary irewards Cash Card for another member of my family or friends?
No, irewards Cash Card do not have Supplementary Cash Card.

Am I still entitled for the Cash Rebate if I left my Cash Card at home?
No, you must use your Cash Card to do purchases to be entitled for the Cash Rebate.

Irewards Online Order

What is irewards Online Order?
Online Order is a channel where irewards members were able to view and order the products/services offered by irewards merchants. Products offered in irewards website are limited and exclusive for irewards to purchase. Members are entitled to purchase only ON CE for each products offered. This is because the prices are fairly reasonable compared to the market price

How does irewards Online Order works?
Step 1 : Choose and select on the interested products
Step 2 : Fill up Order Form with Product Code and member’s details
Step 3 : Wait for follow-up call from irewards Support Team

How is the delivery mode?
Goods will be delivered to members as per agreed timeline or not more than SEVEN (7) working days.

How is the payment mode?
All payments have to be made in RINGGIT MALAYSIA (RM) currency. Payment can be made through cash, cheque or bank-in. All payments to be made directly to Infinity Rewards Sdn Bhd:
- Bank in : Maybank account 514440121463.
- Cash : irewards’ HQ office

Can I have cash refund?
Cash refund in relation to a returned product will only be made where the merchant has no more stocks of the returned products.

How should I handle for damaged products or wrong product delivery?
Request for return of products can only be made within THREE (3) days from the date of Purchase Order based on irewards’ records, and only where the products delivered are damaged or defective upon delivery or do not correspond with the order made.

Is there any “cooling-off” period upon purchase?
Yes. Members are entitled to a “cooling-off” period of 24-hours in respect of all products ordered from irewards’ website.

What should I do if there are problems with the products I ordered through irewards website?
If there are any problems regarding the products, you can contact irewards directly or email to customerservice@irewards.my.

Who should I contact if I have queries, comments, or complaints in relation to the Website and the products?
irewards shall handle all requests for the return of products via its customerservice@irewards.my. All enquiries, comments and complaints in relation to the website and the products made available hereunder may also be made under this e-mail.

http://www.irewards.my/?page=128

Cash Rebate Partner @ I Rewards

1) FREE 50 Sets Of I-Rewards Voucher Booklet which include :

FREE 4 Days 3 Nights Macau Trip for Two!

FREE 5 Days 4 Nights Shanghai Trip for Two!!

50 Sets x RM1500 (Attracted Sales to Merchant for example) = RM75,000

Initial Investment on CRP : RM2,800/RM75,000 = 3.73%

(If Given In House Promotion On News Paper Advertisement and Flyers Distribution,
CASH REBATE PARTNER will take this as Top Option!



2) FREE Cash Rebate Partner e-Portal

FREE Pre-Designed e-Portal Template Worth RM300

FREE 12 Months e-Portal Maintenance Fees Worth RM360 (RM30 Per Month Waived)

Provide FREE Consultation & Advice On Uploading Procedures & Set-up Of The e-Portal.



3) I-Rewards Merchant Credit Card Terminal

FREE Rental (Save You RM 80 x 12 Months = RM 960)
No Sales Quota Required(Hassle Free & Happy To Operate Your Retail Business!)

Remarks:-
I-Rewards Assist CRP In The Merchant Credit Card Terminal Application.

The Application Is Subjected To Bank’s Approval.

Upon Confirmation, A Refundable Merchant System Contractual Fees Of RM 800 *

Deposit Is Required Subjected To 12 Months Contract!


4) B2B(Among Cash Rebate Partner)

Opportunity To Develop Business Channels Among All Authorized Cash Rebate Partner

5) B2C(Among Cash Rebate Partner’s Customer)

Joint Promotion

Cross-Promotion

Brand Awareness

Customer Base Sharing Opportunity


6) C2C(Among Cash Rebate Partner’s Customer)

Through Words-of-Mouth Among I-Rewards VISA Prepaid Card Holders

Extend The I-Rewards Benefits To Their Respective Family & Friends Circle

7) I-Rewards Cash Rebate Program

Recognized As I-Rewards VISA Prepaid Card’s Issuing Merchant

Qualified For The Incentives Rebate As Stated In The Cash Rebate Program.

Pioneer Status Special Price : RM2,800/Year

FOR MORE INFORMATION on THE CASH REBATE PARTNER :

Kindly Call / SMS Mr. KEVIN NG @ +6010-336 1088

A1 Gold Signal (1Hour Trend Signal)

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『金銀業貿易場認可電子交易行員』

透過下列『金銀業貿易場認可電子交易行員』進行之倫敦金/銀合約買賣，可取得金銀業貿易場發出的『倫敦金/銀合約交易編碼』 憑藉這個『倫敦金/銀合約交易編碼』可以於金銀業貿易場網站內查閱交易資料 包括成交價格、成交時間及數量等，大大提高投資黃金的透明度 023 萬兆豐國際金業有限公司 210) this.width=210;" border="0" width="210"> (852) 28588683 /(852) 37508888

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Frequently Asked Question (Gold)

問題1： 作為個人投資者投資倫敦金，知道金銀業貿易場提供交易編碼予倫敦金/銀投資者，請問是否金銀業貿易場認可電子交易行員都能提供這項服務？ 答： 只有金銀業貿易場行員方會被認可為電子交易商。投資者只要是和金銀業貿易場認可的電子交易商進行交易，而該電子交易商於交易後又將交易向本場申報，本場在 驗證交易時間和價格符合當時市價後，會發出一個交易編碼予交易商 (本場收取驗證費用為每手100安士$6港元(單邊)或每手10安士$2港元(單邊))。投資者可憑交易編碼在一個月內到本場網站上免費查閱該宗交易資 料。請向本場認可電子交易商查詢詳情。

問題2： 請問投資者資金是否存放在金銀業貿易場，資金是否有保障？手續費用、點差及存倉費是否由金銀業貿易場釐定？ 答：在現階段，投資者資金不會存放在本場。投資者之資金是由行員保管，但本場明確指示行員需將客戶資產與行員公司資產分開存放。至於投資者與行員交易的手續費用、點差及存倉費一般由行員自行釐定。

問題3： 如我需要授權第三者或經紀進行倫敦金交易，我需要怎樣進行才可避免風險？ 答：一般情況下，投資者不一定要授權其他人士操作其戶口，投資者可自行直接通過交易商的電子交易平台操作戶口，請直接和交易商了解操作詳情。 如確實需要將黄金投資授權予第三者如親友或經紀，投資者亦應將授權範圍明確寫於授權書上(例如交易前是否必須取得投資者同意，最多每日交易次數，風險承受 能力，交易後是否要有回覆確認，所有對話有否錄音是否有日結或月結單等)，以界定被授權人的權限，不要輕易相信口頭承諾。 投資者有絕對權力不授權予任何人士操作其戶口。根據本場處理過的投訴個案顯示，很多時爭議都與授權予第三者操作戶口有關， 因此，投資者在簽署授權書前，必須考慮清楚是否需要授權和明白授權的內容，在一旦發生爭議時，有所依據進行解决。假如簽署授權書後發覺有問題，應即時書面 通知交易公司取消授權，以減少損失。如提供密碼予任何人士(等同將提款卡及密碼交予別人，後果自負)代為交易，在發覺有問題時，也應即時通知交易公司及重 設密碼。任何情況下，如發覺有問題，投資者應直接聯絡交易公司的客戶服務部或監察部，而非只與客戶代表聯絡。 此外，本場亦發現授權書的條文有時包含在客戶協議書內。故此，投資者可能無意中已授權第三者操作其戶口。有見及此，投資者在簽署客戶協議書前，客戶代表有責任向投資者解釋議書的內容，而投資者亦應完全明白協議內的各項條款才進行簽署落實。

問題4： 是不是國內的或者香港的現貨黃金公司都需要在香港金銀業貿易場註冊成會員呢？ 答： 根據香港現行做法，現貨黄金買賣是不需要向香港特別行政區政府申請，亦無法例規定國內或香港的現貨黃金公司必須加入本場成為行員。然而，本場是香港唯一的 現貨黃金交易所，本場的行員均需遵守貿易場的章程及規則，並受到本場監管行員與行員之間的交易。自2008年起，行員之間在本場進行的交易或行員向本場申 報與投資者的倫敦金/銀交易，可獲發'交易編碼'，憑該編碼投資者可在本場的網頁查閱交易的內容。 又本場的交易平台只供參與的行員之間在本港進行交易及登記，而且本場並沒有在國內設立支部。 以上是本場的情況。國內的法規與香港不同，本場未能提供意見。有任何疑問，請向國內有關機構查詢。

問題5： 請推薦一些信譽和實力較好的會員作黄金投資。 答：凡被本場接納的行員公司其資產及公司負責人均需本場審查並獲批准，實力及背景均有一定保証。

問題6： 可以介紹一下交易編碼是什麼嗎? 答：金銀業貿易場致力提供優質服務予行員，包括倫敦金/銀交易編碼。只有金銀業貿易場行員方會被認可為電子交易商並獲發交易編碼。 本場以兩種方式向行員提供編碼: 1/行員與行員於本場電子交易平台交易倫敦金/銀可自動獲發編碼; 2/投資者和金銀業貿易場認可的電子交易商進行倫敦金/銀交易後30分鐘內，行員可將該筆交易向本場登記。本場在檢驗該筆交易的價格在所述的交易時間在本 場認為可接受的範圍內符合當時市價後，會發出編碼予行員。客戶從行員取得編碼後，可登入本場網站查詢交易資料。 本場在上述第2種提供編碼的方式只是扮演獨立檢驗價格的角色，本場不負責驗證行員提交該交易的資料的真偽或是否準確，亦不參與黃金/銀或資金的結算，本場只負責行員與行員之間做結算，因此本場不會承擔該交易所產生或引起的任何責任、費用或成本。 問題7： 槓桿式黄金投資是否高風險，金銀業貿易場是否有規定行員對客戶的槓桿比率？ 答： 槓桿式黄金投資是高風險的投資活動，金銀業貿易場只監管行員與行員之間交易的槓桿比率。行員與客戶交易的槓桿比率可按客戶的個別情況自行釐定。但投資者須 留意，槓桿比率越高代表投資風險越高而在市場較大波動時侯風險亦更高，同一金額的保証金亦只能承受比較少的價格波幅。投資者需清楚瞭解與交易商釐定的槓桿 比率及風險所在。 問題8： 現時金銀業貿易場的行員是否與客戶對賭而並非將客戶的交易傳送到金銀業貿易場的平台與其他行員交易？ 答：傳統上倫敦金買賣方法是由做市商開價, 投資者如認為價格適合就直接向做市商買賣。金銀業貿易場認可電子交易商可選擇將客戶的交易在本場電子交易平台與其他行員交易或直接與客戶交易後將交易通過本場電子交易平台登記獲取交易編碼。 問題9： 金銀業貿易場的網上電子交易平台是否與行員及其客戶的網上交易平台相同？ 答： 金銀業貿易場的網上電子交易平台與行員及其客戶的網上交易平台是不同的。金銀業貿易場的網上電子交易平台只提供作為行員與行員之間交易的平台，不接受非行 員或投資者交易，亦不接受行員與其客戶的交易。行員向其客戶提供的網上交易平台與金銀業貿易場的電子交易平台並沒有關係亦不連接，金銀業貿易場亦沒有規定 行員與其客戶所使用的網上交易平台。 問題10： 投資者如何確認所委托的交易商是否本場行員？ 答：為保障本身的利益，凡欲與本場行員進行交易的投資者，在進行交易前，務請小心查核該公司是否本場行員。 投資者可透過查核該公司的公司名稱、公司編號(如該公司是有限公司)及商業登記編號以確定該公司是否本場行員。尤需特別注意公司的名稱，例如“甲乙丙金銀有限公司”並不等如“甲乙丙黃金有限公司”。 有關本場行員的資料，包括行員名稱、公司編號及商業登記編號，已在本場網頁列出。 此外，投資者亦可透過以下渠道查詢 : 1. 透過公司註冊處綜合資訊系統 (ICRIS) 的網上查冊中心查閱在公司註冊處登記和備存的公司資料和有關文件的影像紀錄，網址為http://www.icris.cr.gov.hk/csci/，或親臨香港政府公司註冊處查冊中心查詢。香港政府公司註冊處地址為香港金鐘道66號金鐘道政府合署14樓。 2. 透過香港政府網頁http://www.gov.hk/en/residents/taxes/etax/services/brn_enquiry.htm查詢該業務在稅務局商業登記署登記的商業登記號碼，或親臨稅務局查詢。稅務局地址為香港灣仔告士打道5號稅務大樓 4字樓。 問題11： 投資者是否需要保留開戶協議文件？ 答： 開戶協議是一份具有法律效力且十分重要的文件，載列投資者與交易商進行各類型交易的細則，雙方責任，包括免責條款等協議。為保障投資者的權益，投資者應慎 重地考慮所有條款，當投資者和交易商簽署開戶協議書後，應索取和保留開戶協議文件。以備日後雙方發生交易糾紛時，作為證據或呈堂證供。 問題12： 如金銀業貿易場的行員出現運作或者資金方面的問題，貿易場有政策保證客戶的資金安全並且能夠先行代付嗎？ 答：金銀業貿易場主要監管行員與行員之間的交易，行員與其客戶的交易及資金安排由行員自行處理，貿易場暫時未有先行代付的措施，但本場明確指示行員需將客戶資產與行員公司資產分開存放。 問題13： 投資者入金應否存放到個人戶口？ 答：為保障投資者自身的利益，投資者應存入行員公司指定的銀行的行員公司戶口，而並非個人銀行帳戶。 問題14： 是否與金銀業貿易場行員交易都能獲得交易編碼？ 答：投資者只要與金銀業貿易場認可電子交易商交易都能獲得金銀業貿易場交易編碼，憑該編碼投資者可到本場網站查詢交易資料。如本場電子交易商不能為投資者提供有效交易編碼，請盡快向本場查詢。 http://www.cgse.com.hk/cn/investor_01.php

www.GoldBarsWorldWide.com

http://www.goldbarsworldwide.com/

ACCREDITATION
A consolidated table in this section records – by region and country of
location – the names of active refiners that are accredited to the following:
• London Bullion Market Association (LBMA)
• New York Mercantile Exchange (NYMEX), COMEX Division
• Tokyo Commodity Exchange (TOCOM)
• Dubai Multi Commodities Centre (DMCC)

The names of active refiners accredited to the 6 other exchanges are
recorded separately as their lists rely partly on the LBMA list or focus on
domestic refiners:
• Brazilian Mercantile & Futures Exchange, São Paulo (BM&F)
• Istanbul Gold Exchange (IGE)
• Multi Commodity Exchange of India Ltd (MCX)
• Shanghai Gold Exchange (SGE)
• Shanghai Futures Exchange (SHFE)
• The Chinese Gold & Silver Exchange Society, Hong Kong (CGSE)

http://www.cgse.com.hk/cn/

.

Gold Markets

Gold is trading in Four World Major Markets 24 hours round the clock. Hong Kong Gold Market (Local Time) 9:00 am - 12:30 pm (Mon - Fri) 2:30 pm - 5:00 pm (Mon - Fri) Sydney Gold Market (Local Time) 9:30 am -3:00 pm Zurich Gold Market (Local Time) 8:00 am - 5:00 pm London Gold Market (Local Time) 8:30am - 4:00 pm Fixing : 10:30 am & 3:00 pm New York Gold Market (Local Time) 8:20 am - 1:30 pm New York Access Market (Local Time) 3:15 pm - 8:00 am (Mon - Thu) 7:00 pm - 8:00 am (Sunday)

The Loco-London Precious Metals Market

The most important OTC markets for gold and silver are the "Loco London" markets in which the two metals are traded for delivery in London. These markets operate under the auspices of the London Bullion Market Association (LBMA), but are not exchanges. Full membership of the LBMA is restricted to bullion dealers with offices in London. Loco London trading was originally the preserve of London bullion houses alone, but today Loco London gold and silver are freely traded by dealers in many other centres. In Asia, the main centres from which professional dealers quote Loco-London gold and silver prices are Hong Kong, Tokyo, Sydney and Singapore; in Europe, apart from London, dealers trade principally from Zurich and Frankfurt, while in the United States, New York predominates. In all centres, prices are mainly quoted and traded against the U.S. dollar. Settlement of the U.S. dollar countervalue of deals done is generally made in New York, separately from the delivery of the gold and silver in London. Notwithstanding that the loco London gold market is a spot market, settlement can be deferred by making special credit facilities available to clients. These facilities normally involve the lending of gold and dollars, initial margins and variation margins, similar to the practice for gold futures trading. The development of this mechanism led to the formation of a secondary deferred settlement market, as distinct from an inter-bank spot market, in which traders, manufacturers and producers in the world take part. The Loco London Market can serve various purposes including hedging, investment and speculation. As is typical with OTC markets there is no physical trading floor. Deals are transacted on a principal-to-principal basis between dealers who have established bilateral credit limits for trading with each other. Unlike organised exchanges there are no specified contract sizes nor formal rule books but trading and settlement are completed in accordance with well-established usage. Business is mainly conducted by telephone or through electronic dealing systems established to serve professional dealers. In either case, direct contact must be made on a bilateral basis. This means that it is difficult for investors to have real time access to the most favorable prices. In fact, starting from the early of 2002, spot gold price has surged by more than 19% to $331.00 a troy ounce! The bullion metal broke $300 resistance level on 28 March with the support of producers'' reduction in gold hedging, weaker dollar and equities markets and geographical political tension. To seize on the opportunity of taking profit from gold''s rally, investors can participate in the precious metal market through its precious metal online trading system. mibd-gold.com provides the most efficient and convenient way for taking this opportunistic market.

Hong Kong Gold Market

Hong Kong Gold Market has already developed into one of the Big Four in the world, with its daily quotations keenly watched in other trading centers because of the main reasons below: • Freedom from foreign exchange • Excellent financial and communications services • Chinese people''s regard for gold Hong Kong neatly fits into the time zone between the largest two Gold Markets in the world, New York and London. It is eight hours "faster" than the London time and thirteen hours "faster" than New York. New York 10 p.m. | Hong Kong 11 a.m. | London 3 a.m. All of the major Gold Markets are closed between 2:30 a.m. and 3 p.m. Hong Kong time. Should any significant newsbreak occur during this period, international investors may take the advantage of the news by trading through Hong Kong Gold Market.

The Trading Market

The Chinese Gold & Silver Exchange Society (CGSES) was established in 1918 as an open outcry system to regulate and standardize the transaction. CGSES mainly deals with Spot Gold trading with payment in terms of Hong Kong Dollar. The Loco London Gold Trading System is another Spot Gold Market in Hong Kong with payment in terms of US Dollar. The Fixings take place twice daily at 10:30 and 15:00 hours in the City of London with the participation of the following five Fixing Members: • Bank of Nova Scotia－Scotia Mocatta • Barclays Bank • Deutsche Bank • HSBC USA • Societe Generale As sufficient credit facilities are available to defer the settlement, its operation is similar to the practice of gold future trading. A secondary deferred settlement market is firmed. The Comex Trading System in Hong Kong with the nature that is very similar to Loco-London except it is dealing in Future Gold in New York Gold Market. Gold Investment can be divided into several types: A. Ornamental Gold Especially for Chinese people, Gold represents prosperity and fortune. Gold Coins, Gold Bars, Gold Figures, and any other Ornamental Gold are collected as a symbol of wealth and kept as stored value. B. Investing in Gold Using the saving banks or financial institutes to speculate in Loco-London System for Spot Trading or Comex for Future Trading. CGSES (Spot Trading) Loco-London (Spot Trading) Comex (Future Trading) Trading Unit 100 taels 5000 kilograms 100 ounces 100 ounces Purity of Gold >99 % >999.9 % >99.5 % >99.5 % Type of Trading Spot Trading Spot Trading 2, 4, 6, 8, 10 & 12 Payments HK $ US $ US $ Trading Days Mon. - Fri. Mon. - Fri. Mon. - Fri. Minimum Price Fluctuation HK$0.5 per tael HK$0.01 per gram US$0.10 US$0.10 Maximum Daily Price Fluctuation NIL NIL US$ 75 per ounce

Details of Trading Months in Comex

Futures:

Trading is conducted for delivery during the current calendar month, the next two calendar months, any February, April, August, and October thereafter falling within a 23-month period, and any June and December falling within a 60-month period beginning with the current month.

Options:

The nearest six of the following contract months: February, April, June, August, October, and December. Additional contract months - January, March, May, July, September, and November - will be listed for trading for a period of two months. A 24-month option is added on a June/December cycle. The options are American-style and can be exercised at any time up to expiration. On the first day of trading for any options contract month, there will be 13 strikes prices each for puts and calls.

Last Trading Day

Futures:

Trading terminates at the close of business on the third to last business day of the maturity delivery month.

Options:

Expiration occurs on the second Friday of the month prior to the delivery month of the underlying futures contract.

Key Asian Gold Market

Country Market Status Acceptable Melters & Assayers (Good Delivery Bars) Loco-London Gold Trading Import of Gold Bars China Restricted Restricted Refinery of China Hong Kong Free Free NIL India Restricted Restricted NIL Indonesia Free Free NIL Japan Free Free Ishifuku Metal Industry Co. Ltd Mitsubishi Materials Corporation Mitsui Mining & Smelting Co. Ltd. Nippon Mining Co. Ltd. Sumitomo Metal Mining Co. Ltd. Tanaka Kikinzoku Kogyo K.K Tokuriki Honten & Co. Ltd. Central Bank, Democratic People''s Korea, North Restricted Restricted Republic of Korea Korea, South Restricted Free NIL Malaysia Free Free NIL Myanmar Restricted Free NIL Philippines Restricted Restricted Central Bank of the Philippines Singapore Free Free Degussa (Private) Limited Taiwan Restricted Free NIL Thailand Restricted Free NIL Vietnam Restricted Free NIL

Sources: London Bullion Market Association, London

http://www.mibd-gold.com/Lang/en/Gold.php

萬兆豐品牌金條

萬兆豐品牌金條乃百周年香港金銀業貿易場（CGSE）行員及市場認可之流通及交收金條，本公司作為認可交收金條煉鑄商，發行之[萬兆豐 金]金條每條均蓋有CGSE官方合格驗印及存檔編號以確保金條之質量，保證其標準成色及重量，任何開市時間通過任何CGSE行員於金銀業貿易場掛牌出售均 能以當時市價交收套現，沒有二手金回收時大幅折價的缺點，極具投資保值及收藏價值。

萬兆豐國際金業有限公司 Marigold International Bullion Dealers Limited

集團公司於2006年前主要從事各地物業投資及資產管理，次要於金融投資
及顧問服務。管理層於投資管理方面經驗豐富，其中例如於2001年至今，
成功捕捉低位升浪購入各類有形資產，至今於香港地域擁有數十個貴重收
租物業，為集團每年締造可觀而固定的八位數字收益。

集團先知先覺，有見貴金屬市場前景秀麗，遂於2007年6月6日成立萬兆豐
國際金業，並向香港聯合交易所前上市公司RNA Holdings Limited 收購其
金銀業貿易場行員及金集團成員牌照. 經過一年多各有關部門的洽商審核與
處理，於2008年8月5日成功獲批並購入有關牌照成為認可貴金屬交易商。

由於業務發展需要, 集團公司於同年購入企業廣場約5000尺甲級商厦樓面作為萬兆豐貴金屬部門的初期營運總部，其設計裝修及通訊科技設備等皆達國際一級水平，務求使我們的客 戶、合作夥伴及員工等有舒適的工作環境及穩定先進而快捷的交易通訊設備。經驗豐富的集團管理層絕對清楚後勤支援部門對前線業務發展的重要性，我們擁有專才 眾多而龐大的後勤隊伍：IT部，市場及客戶服務部，設計部，資料搜集部及秘書部等，各重要部門集團皆能自給自足，亦隨時侯命為我們的客戶及業務夥伴提供完 善而快捷的全套業務支援（例如：短時間內可為IB量身訂造網頁及一切開業配套）。我們深知："時間就是金錢"，故集團不炫耀誇大，而是切切實實地不斷投放 更多資源於後勤部門，實際地換取前線穩健而快速的業務發展。

香港是世界知名的國際金融中心，法規完善、貿易自由、稅務優惠，人們皆遵守合約精神，作為正規注冊交易商，本公司必須在任何方面由始至終保持最高的專業標 準與操守，業務行為亦受香港法律及金銀業貿易場政策及財務報告制度的嚴格限制及規章的規定及監管。集團本着可持續發展為基石，在穩健及務實中，竭力保持及 提升公司的專業水平及良好的道德與操守，務求令投資者及合作夥伴在經營過程中安心發展及能準確地把握環球金市的每個黃金機會。

願大家『萬金錠存，兆豐人生』。

萬兆豐國際金業有限公司
Marigold International Bullion Dealers Limited

根據香港特別行政區政府公司法成立於2007年6月6日。

香港金銀業貿易場行員及金集團成員牌照號碼：023號
（獲准在香港經營貴金屬現貨、槓杠式按金交易或及接受全球經紀夥伴業務）

註冊及辦事處：
香港九龍灣宏照道39號企業廣場3期17樓8室

電 話：（852）3750 8888, 2858 8683

傳 真：（852）3750 8818, 2858 8770

交 易 平 臺： Meta-Trader 4

『行 員』： 香港金銀業貿易場限制行員名額為192個，金集團限制名額為31個，現持有效行員牌照者共有171間，其中30間行員同時持有金集團成員牌照。

『金集團成員』： 全稱為“認可鑄造金條集團團員”，具有特許鑄金權利，自一九四六年四月一日起已限制行員加入。

http://www.mibd-gold.com