CKC MoneyPenny

A Protected Gold Investment Plan Backed by 155+ Years of Trust For over 155 years, C Krishniah Chetty Group of Jewellers (CKC) has stood for trust, purity, and enduring relationships. Generations have chosen CKC not just to buy jewellery, but to celebrate life’s most meaningful milestones — weddings, inheritances, celebrations, and legacy moments. MONEYPENNY™ brings this heritage into a modern, digital gold investment experience. A Smarter Way to Invest in Gold Gold has always been more than a metal. It is security, heritage, and stability. Yet price fluctuations often create hesitation: • “Is this the right time to invest?” • “What if prices fall?” • “Should I wait?” MONEYPENNY™ removes that uncertainty. It is not just another gold savings app, it is a structured gold investment plan with built-in protection. The Core Advantage: Protection with Optimisation MONEYPENNY™ is the digital evolution of CKC’s trusted Rate Protection Plan (RPP), designed to deliver the most favourable maturity value. At the end of your investment tenure, you receive the better of:

1. Weighted Average Gold Rate benefit across your investment period OR
2. Up to 12% annual benefit on your accumulated investment whichever is higher, ensuring you always receive the maximum advantage. This dual-benefit structure makes MONEYPENNY™ truly unique. While most gold investments depend entirely on market price movement, MONEYPENNY™ ensures your outcome is always optimised. This is not speculation—it is a structured advantage. Designed for Real Goals MONEYPENNY™ is ideal for customers building gold wealth with clarity and confidence — whether for: • Wedding purchases • Milestone celebrations • Long-term jewellery investment • A family gold corpus • Disciplined gold accumulation Instead of worrying about timing, you focus on systematic investing. Flexible Contributions, Complete Control Unlike rigid monthly schemes, MONEYPENNY™ offers unmatched flexibility. You can: • Add money anytime • Invest multiple times a day, week, or month • Contribute at your own pace • Track your value digitally You decide how and when to build your gold advantage. Built on 155+ Years of Trust Established in 1869, CKC has served customers for more than a century and a half with uncompromising standards of transparency and customer-first ethics. MONEYPENNY™ is not a standalone fintech experiment, it is backed by a legacy brand that understands gold deeply, across generations and economic cycles. Investment with Confidence, Not Regret Many investors hesitate due to fear of regret — buying too early, waiting too long, or missing the right moment. MONEYPENNY™ eliminates timing anxiety by replacing uncertainty with structured assurance. It transforms hesitation into action. Seamless Store Integration MONEYPENNY™ investments can be redeemed for jewellery purchases at CKC stores, often with the added benefit of applicable promotional offers. This turns investing into intelligent purchasing. No cancellation or refund of amounts paid under the Plan is permitted. Not Just an App. A Legacy Advantage. MONEYPENNY™ combines: • Digital flexibility • Structured protection • Transparent benefit rules • Heritage-backed trust • Customer-first design It is where legacy meets modern investing. Where protection meets opportunity. Where gold meets confidence. Your Gold. Your Advantage. MONEYPENNY™ protects your contribution, optimises your maturity value, and empowers you to build gold wealth with confidence, backed by 155+ years of CKC legacy. Start your protected gold investment journey today with MONEYPENNY™ and invest with clarity, not uncertainty.