WHY GOLD? The need to own precious metals is as relevant and essential today as it has been throughout history.

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2 The Rhombus Gold model offers a unique opportunity to hold physical gold as part of a balanced portfolio whilst simultaneously providing a yield on investment. Offering flexibility and security, which enables purchasers to opt for sale of the gold at a profit or alternatively the option of physical delivery of the gold. We offer the opportunity to buy gold at below market prices with a guaranteed exit should you choose to sell the gold and take the profit or delivery to your address by secured courier. WHY GOLD? The need to own precious metals is as relevant and essential today as it has been throughout history. Gold has always been the ultimate safe haven asset, providing the protection your finances need in today s unstable world. Savvy investors are shifting their wealth into alternative asset classes such as gold, silver, commercial property and renewable energy, in order to diversify and balance their portfolio. Diversification in this way provides security against economic, social and political uncertainty. If anything, the economic and political climate we find ourselves in today is more unstable than at any point during our lifetime. Several European economies are struggling to repay their vast debts, posing a huge threat to the future of the Euro currency, in a situation that looks set to continue for some time. Gold bullion also qualifies for UK pensions, where you can receive up to 45% discount through tax relief. Gold investments can be made as a one-off purchase, a regular savings opportunity or as part of a sophisticated portfolio. They re suitable for both seasoned portfolio builders and those with little or no investment experience. WHY USE RHOMBUS GOLD? In these turbulent times, even the most sophisticated investors are seeking simplicity, safety and transparency. At Rhombus, we believe in these key values, so our gold products and the investment process are straightforward and accessible to everyone. We provide a bespoke service, with a dedicated gold consultant and tailored client experience for a more personal involvement with your wealth and your future. We provide innovative gold solutions suitable for novice and seasoned investors alike. Significant buying power enabling us to pass on bulk savings and maintain lower prices. We offer a buy-back guarantee future proofing your investment and removing the worry of investing. We offer significant discounts on the prevailing spot price (market rate) for gold.

3 PRICING Gold is offered at a 6% discount against the spot price on the day your funds arrive. Guaranteed Buy Back GOLD AS AN ASSET Gold gave rise to the concept of money itself: portable, private and permanent. Gold s unique properties of scarcity & beauty, coupled with the ease in which it can be melted, formed and measured, have made it a tradable store of wealth since the very earliest civilisations Today, investors recognise that gold is not only a means for capital appreciation, but also a way to secure their long-term savings and retirement. In the last ten years, the price of gold has risen by nearly 300%, even after including the price corrections of 2013 and This has been driven by factors such as a continually weakening US Dollar, the global credit crunch, terror attacks, political unrest and soaring demand from Central Banks and institutional investors. Any event that causes uncertainty in the economy and the wider world, drives gold price higher. The average annual return for UK holders of gold over the last decade ( ) has been 15% outperforming every other asset class in the same period. Gold was the best performing asset in 4 of those 10 years, yielding higher returns that shares, bonds and even housing. More importantly, as a store of wealth, it has outperformed inflation in all but 2 of those 10 years again, the best of any asset class. GOLD PRICE FORCAST As well as yielding impressive returns in the past, the fundamental reasons for gold s performance are still in place. These include: Increased demand for gold from investors looking for a safe haven, as the Euro continues to weaken and is close to collapse. Investors seeking protection from a potential rise in inflation driven by spiralling demand for limited fossil fuels and commodities coupled with economies which simply recover too quickly and overheat. Global political instability and terror threats on the West. An international conflict or terror attack will send equity, property and bond markets tumbling and consequently strengthen the gold market. No new supply since precious metals supply is finite and there have been no new major discoveries since Increased demand from the BRIC countries (Brazil, Russia, India & China) as their economies strengthen and they increase their wealth. The Chinese Central Bank still only holds around 1% of its reserves in gold, compared to over 50% for many other countries.

4 THE AVERAGE ANNUAL RETURN OVER THE PAST 10 YEARS GOLD - SAFETY IN ANY LANGUAGE More investors than ever before are adding gold to their investment portfolios as a diversification strategy, due to the fragile nature of paper investments and currencies. The expert consensus is that 5 30% of your total portfolio should be in gold, for long-term preservation and growth. Most people s wealth is stored in a mixture of property (their homes), cash (their savings accounts) and stocks and bonds (their pensions). The risk, when holding these assets alone, is that when one performs badly they all perform similarly, as we experienced in the aftermath of the market collapse and recession of In contrast, gold is not tied to the economy, nor does it correlate with these more commonly held assets. When the above-mentioned assets perform badly, gold can perform well. In this way, gold can yield returns when you need them the most when your other assets are losing value. This is why gold is referred to as portfolio insurance. Gold is the ultimate safe haven in a crisis, inflation, political strife, on-going wars and the threat of terrorism are affecting investors worldwide. Whilst these events cause turmoil and uncertainty in the markets, the gold price can spike as investors look for a secure store for their wealth. Finally, physical gold is a directly owned, tangible possession with intrinsic value. There are none of the risks associated with derivatives and paper assets.

5 GOLD AS AN ALTERNATIVE TO CASH Cash savers are seeing their wealth seriously erode over time with interest rates held at historically low levels, the value of their money is being squeezed by inflation. Many savers feel the interest rate they receive on bank deposits (if any) isn t sufficient to compensate for the risk of the bank going under. Proactive investors are taking steps to address this by turning to gold stores of wealth that are as secure as cash, as easy to access and offer higher returns. Some key reasons why gold is a good alternative to cash Investments can start from as little as Liquid investment. Gold can be bought, and sold, one bar at a time so you can build up your holding over time and release some cash when you need to, without having to sell the entire investment. Flexible investment. Once you have received your gold you are not locked in for a period of time and can sell your gold at any time you choose. Higher returns. Gold has historically delivered higher returns than cash on deposit at a bank. Security. Physical gold is a directly owned, tangible asset avoiding the risk of the bank going bust. The bottom line is that both gold is not money in itself, but the safest type of money because it is not tied to a specific country or currency. It is liquid and its value is recognised worldwide. GOLD AND TAX VAT EXEMPT As well as being a secure store of wealth and a great alternative to cash, physical gold also has the advantage of being a total tax free investment. All purchases of physical gold in the UK are currently VAT exempt a significant saving with VAT currently at 20%.

6 WHAT WE DO - ADVANCED GOLD ACQUISITION Advanced gold acquisition is an innovative way of taking advantage of matching the demand of the market of the market for the procurement of Gold (Sales Price) Rhombus Gold has secured a position with a number of Gold producers whereby it is able to order large volumes of Gold which has not yet been mined. The producer will then mine the Gold which, when extracted from the mine will have an approximate purity value of approximately 70-80%. This Gold is then shipped to a processing Refinery, that is intentionally recognised and a member of the London Bullion Market Association (LBMA), which then extracts the impurities from the Gold and provides the finished Gold to a minimum of 999.9% purity. All the Gold processed in this manner is provided with an international Assay stamp, from the Refinery, and is then delivered by secured courier or sold at the then prevailing spot price of Gold.

7 GOLD ACQUISITION EXAMPLE Rhombus Gold places an order for gold. The Gold Mine require a 2 month lead time plus 1 month to effect first delivery. Month 1 Rhombus places an order for 100,000 of gold. Rhombus issues a Standby Letter of Credit as cash security to the mine against first delivery. Month 3 delivery of gold and onward delivery to the individual purchasers or sale of the Gold for the spot price that day at the purchaser s request. Rhombus has negotiated significant discounts on the purchase price payable to the Gold Mine enabling discounts to be passed on to the purchasers. CASH PROTECTION The number one priority is to protect the purchaser s funds at all times and purchasers will benefit from the following protection; Funds are deposited and held in an National Bank of Fujairah Account. Once the SBLC is established the funds will be charged in favour of Bank Account of the Gold Mine. Capital will remain in the Custodian Bank Account. The capital is used to guarantee the forward purchase of the Gold ordered by the Default Payment Standby Letter of Credit ( SBLC ). Under the terms agreed with the Gold mine and as stipulated in the SBLC, the SBLC can only be called upon if Rhombus has taken ownership of the Gold worth 110% of the value of the SBLC. WHAT IS A STANDBY LETTER OF CREDIT? A Standby Letter of Credit (SBLC) is a standby payment guarantee issued on behalf of Rhombus and is used as payment of last resort if Rhombus fails to fulfil its contractual commitment with the Gold Mine. An SLBC is created as a sign of good faith and is proof of credit quality and repayment ability to complete the contract. The funds are held on deposit charged in favour of the Gold Mine Bank as collateral against the SBLC. SBLC s are often used in international trade transactions, such as the purchase of goods from another country. Sellers will ask for an SBLC, rather than cash in advance. The seller can only call upon the SBLC, to be cashed, if the seller has satisfied their contractual duties and the Buyer has failed to pay for the goods received within the specified time. The SBLC cannot be cashed by a third party and only acts as the payment of last resort between the two contracted parties.

8 RHOMBUS GOLD PARTNERS The SBLC cannot be cashed by a third party and only acts as the payment of last resort between the two contracted parties. Brahmin holds concessions for the extraction of gold and maintains all licensing requirements of the relevant jurisdiction. Precious Metals All unrefined gold is delivered to Kaloti precious metals for refining, authentication and certification. All shipments are managed by Brinks to provide secure and insured transportation throughout the world. GETTING STARTED 4 simple steps to gold purchase 1. Discuss your budget with one of our gold consultants. 2. Complete the relevant purchase order for your choice. 3. Follow the instructions on the invoice to make payment. 4. Take delivery of your gold or take advantage of our guaranteed buy back at the 6% growth agreed at the purchase date. THE GOLDEN CYCLE A simple to understand way of increasing you returns. The Golden Cycle is a mechanism designed by Rhombus Gold to enhance and enrich your Gold buying experience. Example: A client buys 10,000 of Gold, at the end of three months, the client can simply take the weight of Gold which was based on the spot price on the day their funds arrived at our bank three months earlier. The Gold will be delivered to the client by insured courier. The purchase spot price would have been? less 6%. This is a unique feature of ours. However, the client can simply request through their online back office to sell their Gold back to us. We will pay the client their original purchase price of 10,000 plus 6% ( 600) giving the client a total of 10,600. The three month cycle has now completed but the client may wish to re-enter another cycle doing the same again only this time, they would have 10,600 to buy Gold. The client could earn a guaranteed 24% per annum should they continue to enter purchasing cycles.

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