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Consumers are today faced with a dilemma of rising gold, silver diamond & platinum prices. Taking the last 30 years of history, 20 years have given consumers a price rise of over 20% per annum. Only 10 years in the last 30 years has gold risen by less than 20% per annum.

Did You Know ?

Which means you will be able to buy only half the quantity of gold, silver, diamond and platinum in five years from now.

Start a New and a Rewarding Habit

Say ‘NO’ to Rising Gold prices with

“The Gold Advantage Advance Purchase

Plan”

Presenting…

Today with Gold Prices going so high the average consumer finds it difficult to buy jewellery at one go.

The Gold Advantage Advance Purchase Plan

now allows jewellery consumers to protect

themselves from rising gold, silver, diamond &

platinum rates.

The central theme of the programme is that

consumers get "averaged" gold, silver, diamond

& platinum as the consumer pays their

installments.

There are two kinds of consumers

– a person in the financial market

– a person who wishes to

accumulate jewellery

C. Krishniah Chetty Group of Jewellers brings a plan to a Jewellery lover with the added benefits of appreciation

C. Krishniah Chetty Group of Jewellers Ethos

“We are committed to exceed the highest expectations of every client, in a warm

relationship that can span generations, maintaining our rich tradition, we

continue to strive, to further the quality of craftsmanship, the quality of service

and the quality of metals and gemstones and ensure that the value derived by

each customer is to the maximum, keeping the value systems and ethics of the

old world, in order to achieve a legendary status, with contributions to the

society and by making clients feel like they own C. Krishniah Chetty Group of

Jewellers ”

We have several programmes including

– Loyalty Reward Programme – Star Club – Customer Orders & Designing – Over 20 different collections – Royal Crest Customer Service – And more…

C. Krishniah Chetty Group of Jewellers, the 150 year

old leader in Heritage Jewellery has now announced

the first “Rate Protection PlanTM” of the country.

Earlier available only to their private clients, the

company now opens their 18-year old secret to all

members of the public.

GAAP Benefits

Installment Month

Amount Qty Benefit+ @ 9% Yearly (Rs)

Gold Rate (Rs) Gold Weight Cash Benefit

9% Yearly (Rs)

JAN 5000 412.50 2500 2.165 412.50

FEB 10000 750.00 2525 4.257 750.00

MAR 10000 675.00 2550 4.186 675.00

APR 5000 300.00 3000 1.767 300.00

MAY 10000 525.00 3150 3.341 525.00

JUN 10000 450.00 3200 3.266 450.00

JUL 15000 562.50 2950 5.275 562.50

AUG 10000 300.00 3100 3.323 300.00

SEP 5000 112.50 3290 1.554 112.50

OCT 10000 150.00 3325 3.053 150.00

NOV 10000 75.00 3350 3.007 75.00

Total 100000 4312.50 35.194 4312.50

November Gold Rate Rs. 3350.00

Weighted Average Rate Rs. 2841.37

Weighted "Average" metal rate benefit in Rs.

Rs. 17900.00

Cash Benefit Rs. 4312.50

To illustrate the quantum of benefits a consumer is likely to derive in the “The Gold Advantage Advance

Purchase Plan” VS other conventional “Jewellery Savings Plans" a consumer receives greater amount of

jewellery as follows:

Rs. 5000/- contributed for say 11 months would typically get jewellery worth 29.851 gms. of 22Kt gold in

conventional plans by most jewellers; whereas in the "Averaged The Gold Advantage Advance Purchase

Plan" the same consumer would typically get 35.279 gms. or 15.40% more jewellery.

If the consumer were to purchase jewellery under conventional plans they pay "current" rates thus negating

the benefits they received in "making charges discounts" or "last month free instalments" by the inflation of

gold/ silver/ diamond /platinum during the period.

Put away from Rs. 500/- to

Rs.1,00,000/- or more per month as

instalments.

(PAN Card required for over Rs.2

lakhs transactions.)

• Save for 11 months for your loved ones

• Get automatic rate protection for your gold, silver, diamonds & platinum jewellery

Choose the lower: either the

averaged rate or the current

prevailing rate on Maturity

If you have additional cash flow

pay higher instalments whenever

you wish, or when rates dip.

Open multiple plans for different

members of the family with

different tenures to help timely

maturity as your children grow

Payment Frequency

• Monthly

• One-time

• Post – Dated Cheque

• Cash

• Credit Card

• Online

• The “The Gold Advantage Advance Purchase Plan" promises to redefine the manner in which jewellery shopping will be done in future.

• The company has copyrighted the plan thereby making it exclusive to C. Krishniah Chetty Group of Jewellers .

• Payments are accepted by Cash, Cheque, DD, Card and Online.

• This is not a Mutual Fund or ETF and hence

there are no management fees or entry / exit loads and no hidden charges.

• The company has had this in operation for over

20 years and is the first-of-its-kind in the country even today.

• All that the consumer pays is other gems, labour,

taxes etc. • All jewellery is sold under the plan or in their

showrooms at the same prices.

Special Note :

• During migration from old to new version some delays have occurred in updation

from old Integrated Information System (IIS) to new and improved vVision of some

Post-Dated Cheques only (specially during the months of Sep/ Oct/ Nov/Dec 2010

and Jan/ Feb/Mar 2011). Most updations have been corrected since.

• In keeping with our Ethos, we have considered ALL delays, whether delayed by clients

or by CKC, as ON-TIME payments till Aug 2011. thereby ensuring all clients have

absolutely no losses on delayed payments - whether paid by PDC, or Current Cheques

or cash or credit card or any mode!!!

• However any delays after Sep 2011 will be attracting loss of benefits.

• As a special benefit, CKC also issued Gift Vouchers, for excessively delayed payments

which are valid.

Contd.. • PS: "Additional benefit" BEYOND the average rate advantage is at the discretion of the

management of CKC issued from time to time, including but not limited to, discount

vouchers, special offers, additional benefits on averaged rate weights, additional

benefits rate on cash benefit option, special previews for GAAP only clients etc., and

are subject to change without prior notice.

• Clients may complete their shopping and receive the gift vouchers (if any errors are

found after internal audit) for later new transaction or wait for the gift vouchers and

use in same transaction, as they please, at their option. Time for reverting: minimum 5

days.

• All Old clients (existing accounts) are automatically moved to this new and improved

version with all the new features available to clients immediately.

Contd..

• You may query for any account at any time to see your benefits.

• SPECIAL note: all installments need to be paid in order to receive benefits.

Therefore if some payments by cheques are bounced / failed, the balance instalments

will need to be paid at time of invoicing / billing or if you wish not to make the

balance payments the Cashiers in the showrooms need to reverse all bounced / failed

payments and then close as pre-mature closure and you may use the amount at credit

without penalties and without benefits.

In other words all committed payments at time of enrollment, if made in time, or in

delayed time but paid ultimately, receive benefits for those payments made ON-

TIME.

• No Management Fees

• No Entry/Exit loads

• Not a Mutual Fund / ETF

• No Hidden Charges

• Proven – in operation for over 20 years

GAAP Info Line – 080 4100 1869 Help Desk – 080 4000 1559/1597

Application Forms available at all our Showrooms or visit www.ckcjewellers.com