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Goldmoney Inc.
Annual General Meeting
S E P T E M B E R 2 9 , 2 0 1 6
@Goldmoney
These Slides contain certain “forward-looking information”
within the meaning of applicable Canadian securities laws that
are based on expectations, estimates and projections as at the
date of these Slides. The information in these Slides about the
future plans and objectives of the Company are forward-
looking information. Other forward-looking information
includes but is not limited to information concerning the
intentions, plans and future actions of the Company. Any
statements that involve discussions with respect to predictions,
expectations, beliefs, plans, projections, objectives,
assumptions, future events or performance (often but not
always using phrases such as “expects”, or “does not expect”,
“is expected”, “anticipates” or “does not anticipate”, “plans”,
“budget”, “scheduled”, “forecasts”, “estimates”, “believes” or
“intends” or variations of such words and phrases or stating
that certain actions, events or results “may” or “could”,
“would”, “might” or “will” be taken to occur or be achieved) are
not statements of historical fact and may be forward-looking
information and are intended to identify forward-looking
information.
This forward-looking information is based on reasonable
assumptions and estimates of management of the Company at
the time it was made, and involves known and unknown risks,
uncertainties and other factors which may cause the actual
results, performance or achievements of the Company to be
materially different from any future results, performance or
achievements expressed or implied by such forward-looking
information. Such factors include, among others: the
Corporation’s limited operating history; future capital needs
and uncertainty of additional financing; the competitive nature
of the industry; currency exchange risks; the need for the
Corporation to manage its planned growth and expansion; the
effects of product development and need for continued
technology change; protection of proprietary rights; the effect
of government regulation and compliance on the Corporation
and the industry; network security risks; the ability of the
Corporation to maintain properly working systems; theft and
risk of physical harm to personnel; reliance on key personnel;
global economic and financial market deterioration impeding
access to capital or increasing the cost of capital; global
economic climate; dilution; and volatile securities markets
impacting security pricing unrelated to operating performance.
Although the Company has attempted to identify important
factors that could cause actual results to differ materially,
there may be other factors that cause results not to be as
anticipated, estimated or intended. There can be no assurance
that such statements will prove to be accurate as actual results
and future events could differ materially from those
anticipated in such statements. Accordingly, readers should not
place undue reliance on forward-looking information. The
Company undertakes no obligation to revise or update any
forward-looking information other than as required by law.
No stock exchange, securities commission or other regulatory
authority has approved or disapproved the information
contained herein. The Slides and the accompanying verbal
presentation are confidential and are being supplied to you
solely for your information and may not be reproduced or
distributed to any other person or published, in whole or in
part, for any other purpose.
Important Notice
These presentation slides (the “Slides”) do not comprise a
prospectus or other form of offering document relating to
Goldmoney Inc. (the “Company”), and do not constitute an
offer or invitation to purchase or subscribe for any securities of
the Company or any other company and should not be relied on
in connection with a decision to purchase or subscribe for any
such securities. The Slides and the accompanying verbal
presentation do not constitute a recommendation regarding
any decision to sell or purchase securities of the Company or
any other company. Your attention is drawn to the risk factors
set out below.
Caution Regarding Forward-Looking Information
Executive Summary
In its first 18 months, Goldmoney has worked to effectively build and commercialize the Goldmoney
technology stack to democratize and enable widespread access to gold savings and payments:
• Goldmoney is on track to achieve its business KPIs
• Goldmoney has successfully delivered on its corporate priorities
The continuation of economic and currency volatility is an opportunity for Goldmoney:
• World economic and currency conditions remain uncertain
• The financial services sector is facing disruption and significant public criticism
• Given this context, we are taking an aggressive posture as we enter 2017 to accelerate the network
effect for Goldmoney
• Six corporate priorities have been identified
The combination of our current business momentum, strong capitalization, and going into further
negative macro economic conditions, give us strong confidence to accelerate on our vision…
The world’s gold savings and payments network
Making money work better for everyone
1
Business Performance to Date2
Macro Outlook & Opportunity for Goldmoney3
Agenda
Strategic Priorities for 20174
The Vision for a Personal Gold Standard
Top Executives
The Goldmoney teams builds on decades of experience in financial services, investment management, e-commerce & payments, software engineering,
UX/UI design, cryptography, digital security, compliance, commodity market trading, and macroeconomics.
FOUNDER & CHIEF STRATEGY OFFICER
Josh Crumb
Former Sr. Metals Strategist,
Goldman Sachs
CHIEF TECHNOLOGY OFFICER
Alessandro Premoli
Decade+ experience in encryption,
cryptography & digital signatures
FOUNDER & CEO OF GOLDMONEY INC.
Roy Sebag
Former Portfolio Manager
Long/Short Equity, Essentia Equity
CEO, GOLDMONEY NETWORK
Darrell MacMullin
Former Head of PayPal Canada, eBay,
Fintech advisor
CHIEF FINANCIAL OFFICER
Katie Sokalsky
Former auditor, PwC
Financial services expertise
Goldmoney Inc. Board of Directors
LEAD DIRECTOR
FOUNDER
James Turk
DIRECTOR
Hector Fleming
DIRECTOR
CHAIRMAN OF AUDIT COMMITTEE
Mahendra Naik
DIRECTOR
Leslie D. Biddle
DIRECTOR
CHIEF STRATEGY OFFICER
Josh Crumb
DIRECTOR
CHIEF EXECUTIVE OFFICER
Roy Sebag
What is Goldmoney?
• World’s largest 100% reserved gold savings and payments network
• Democratizes access to gold savings and instant gold transfers (anyone can earn gold for their productivity)
• Helps underbanked and underserved citizens protect their purchasing power
• Building global client relationships by unlocking network utility of a global money base
Goldmoney provides secure and accessible gold-based
savings, payments, and wealth services through three
distinct account offerings.
“Gold (Au) has been a commodity
money for 6,000 years due to its
natural properties.
Gold’s Natural Monetary Properties
Everything we touch, feel, breathe, or burn is either an element or compounds and molecules
made-up of elements. When an element or compound becomes consistently desired, it
becomes also known as a “commodity”.
Over the course of recorded history (6,000 years), humanity’s greatest minds from Aristotle
to Newton have discovered, studied, and classified 92 unique elements that naturally occur
on our planet.
The first natural element likely discovered was copper with the last being Francium in 1939.
Each of the 92 has different physical properties, relative scarcity in the earth, and varying
lifecycles. Some are finite, others renewable. Some decay rapidly, others are toxic to humans.
The relative abundance of the 92 natural elements to each other on our planet is well
understood. Unfortunately, disciplines beyond geology and physics are not well acquainted
with this obvious fact governing our natural systems.
We know for example that no matter what continent, the average amount of copper in 1
tonne of copper containing ore is always 3,000 greater than that of gold. We know that the
average crop yield per acre for Corn is 2.6x that of Wheat.
On average and over long periods of time, these relationships are immutably bound by nature
and revert back to the natural mean. Think of Nature as a system enforcing the same rules no
matter what time period we occupy.
These are the basic physics underlying our natural systems. Now let us move into
economics…
Au
79
By Roy Sebag and Joshua D. Crumb
GOLD (AU) EVOLVED INTO “MONEY” DUE TO PHYSICS, NOT ECONOMICS
To understand gold, we must first reacquaint ourselves with natural systems, the elements, and basic natural law (physics) underlying all real economic activity.
It follows then that in the real economy, everything built, manufactured, or invented
irrespective of industry relies on a chain of causes and effects. Where does this chain begin?
With the extraction, transportation, storage, and distribution of elements. More specifically,
agriculture and natural resource extraction. This is the point at which price subjectivity is not yet
present, rather man and nature working to produce the first surplus. A surplus which isn’t
discretionary but rather existentially demanded by the state of the real economy.
When distilling each of these distinct activities, we find a common thread: Harnessing,
manipulating, or working with the elements always requires an input of energy, labour, time,
and information. We call these “input units”.
In most cases, energy represents the majority of that input value (up to 70%). What we are really
doing as participants in an economy is harnessing and exchanging surpluses and deficiencies of
energy (which cannot be stored) through time. The term energy, here doesn’t denote a specific
source of energy (oil or solar) but rather the concept of energy as a surplus which can fuel work.
With this knowledge we can quantify the long-run value of any good in the real economy
through two steps: First, we break down the elemental constituents and calculate their
respective cost in input units (primarily energy).
Second, we account for the “subjective” or “informational” value beyond that elemental cost.
Predictably, empirical price history shows that over time, the subjective or informational value
component of a good trend to zero.
In the real economy, these calculations recalibrate every day irrespective of the political,
monetary, or labour system employed.
Gold’s Natural Monetary Properties
Our human ancestors recognized these natural relationships and the friction inherent in
exchanging a specific desired good or service for another specific desired good or service
(barter). They began to experiment with intermediate commodities that could bridge this
quickly decaying energy surplus which they recognized was the true recurring cost of any
good or service in the economy.
As the state of the real economy prospered, such a commodity would become increasingly
desired as a “commodity money”. Interestingly, history shows this was a process of trial and
error, with millions of experiments over thousands of years with virtually everything.
Of the 92 natural elements, there is only one that could have evolved as an intermediate
“commodity money” representing an equivalent energy surplus, or energy proof of value to
any good or service. This natural element would need to be rarer than anything else in nature,
but also be time superior to everything else by lasting longer given that energy itself could
not be stored.
This combination of relative rarity in nature coupled with immortality resulted in the
natural evolution of gold as money.
Gold is the rarest of mined elements on any meaningful scale. Gold has another equally
important feature: immortality. It doesn’t tarnish, rot, evaporate, or decay. Unlike an energy
surplus or quickly decaying commodities, gold doesn’t have a lifecycle and for reasons
unbeknownst to us, resists entropy.
Total gold stock ownership reflects billions of past exchanges enforcing the natural
relationship over time.
Au
79
GOLD (AU) EVOLVED INTO “MONEY” DUE TO PHYSICS, NOT ECONOMICS
Gold’s natural properties made it the perfect intermediate commodity
(money) to bridge decaying energy.
Gold’s rarity means its extraction absorbs more input units per mass than any other element or compound.
Gold’s immortality means it lasts while everything else (including the input units) diminishes over time.
Therefore gold is always time superior to input units in any transaction within the real-economy.
Because gold lasts forever, all the gold ever extracted grows in size over time as an increasing physical
inventory (stock). Conversely, input units representing the feedstock of the real-economy diminish and have
no equivalent stock or inventory to draw upon. They must always be reproduced or reconfigured in the
future.
Billions of people from varying geographies and cultures make up the ownership of this gold stock having
acquired their own personal slice in exchange for their own diminishing input units.
Every day, they can decide to convert their gold back into diminishing input units, or convert the value of
their newly earned surplus into gold affecting that same gold stock. Each acquires or converts their personal
surplus through varying levels of productivity, skills, time, and effort.
But as the arrow of time is stretched and entropy in the system increases, there is an implicit reversion back
the natural mean (that natural elemental ratio we discussed). Bringing back to economic terms, this is why
everything priced in gold is remarkably stable over the long-run irrespective of what external measurement
system is introduced (whether that external system is fiat money, bitcoin, or jelly beans).
It follows that gold is simply natural money. Borne out of natural law (physics) rather than economic or
human decree. Gold’s natural monetary properties allow it to better distribute price signals and an energy
surplus in the real economy leading to a more equitable human system.
Whether embraced by the majority or minority, gold works always and
everywhere.
Gold is a Good Store of Value – The Proof is in the Math
11
The cost of life in
US Dollars over time
GOLD PROTECTS PURCHASING POWER OVER THE LONG RUN
0.11
857
0.26
0.15
0.07
739
0.27
0.13
The cost of life in
Gold over time (grams)
1985 2015 1985 2015
Food
Fuel
Transportation
Entertainment
$1.16
$9,000
$2.75
$1.60 $4.79
$27,825
$2.51
$10.25
“Devoid of modern savings and settlement
innovation, physical gold hasn’t been easy
or practical for the average person to
access. Until Now…
Goldmoney Inc.
Using technology to make gold easily accessible through a modern global network,
making it the best way to save, spend, or earn in gold, anywhere in the world.
THE WORLD’S GOLD SAVINGS & PAYMENTS NETWORK
Gold Ownership Made Easy
ü Securing Users’ Purchasing Power
ü Providing Reliable Savings Tools
ü Innovating How Global Payments Work
Gold Ownership Made Easy
FEATURES
◆ 100% allocated gold savings (nine vaults)
◆ Easily build a savings plan (drip/recurring savings)
◆ Send, request, shop, and donate globally with Gold
◆ No minimums or monthly fees
◆ Free storage & insurance
◆ Free Goldmoney third-party issued prepaid Mastercard
◆ As low as 1% purchase / redemption fee
◆ Goldmoney fraud & purchase protection
◆ Goldmoney mobile
◆ Goldmoney community & online support
WHY CONSUMERS LOVE GOLDMONEY
Simplicity Security Flexibility
+ One account that lets you save in gold, transfer gold to
friends and family, shop online and in stores globally.
Save. In Gold.
Goldmoney lets you save in gold,
protecting your purchasing power.
Spend. In Gold.
Spend your gold balance for local or
cross border shopping or travelling
abroad without expensive foreign
exchange fees.
Transfer. In Gold.
Global P2P transfers simplified.
Buy gold from any currency for 1%.
Transfer gold. Receiver can sell gold
to their local currency for 1%.
FEATURES
◆ Accept ecommerce, donation & subscription payments
◆ Powerful invoicing platform
◆ Global payouts & payroll tool
◆ Process global payments from any currency for 1%
◆ Store gold balance or redeem to your currency for 1%
◆ Customer & inventory management
◆ Automatic settlement to your bank
◆ Goldmoney community & online support
WHY MERCHANTS LOVE GOLDMONEY
Global Reach Cost-Effective New Sales
+ Global processing made easy using gold. One account to pay
employees and get paid by global customers and suppliers.
Pay
GOLD PAYROLL SOLUTIONS
Give employees the option to
receive any % of their wage in gold.
Earn. In Gold.
Invoicing, Payroll & Payout Solutions
DIVIDEND PAYOUTS IN GOLD
Give shareholders the option to
receive dividend payouts in gold.
GOLD INVOICING
Invoice vendors and customers in any
currency. Receive payment in gold.
◆ Hold up to nine currency balances
◆ Purchase all four precious metals: gold,
silver, platinum & palladium
◆ Insured custody & storage at multiple
global vault operations
◆ Comprehensive reporting & research
◆ Access to exclusive events
◆ Personal relationship manager
◆ Dedicated phone and online support
◆ Exclusive 18K gold third-party issued
Mastercard prepaid card
TRUSTED PRIVATE WEALTH MANAGEMENT
Fully Reserved Your Metal Your Money
+ Safeguarding Your Wealth.
Protecting Your Legacy.
FEATURES
1
Business Performance to Date2
Macro Outlook & Opportunity for Goldmoney3
Agenda
Strategic Priorities for 20174
The Vision for a Personal Gold Standard
Strong Performance Against Revenue Targets
21
Revenue, fee revenue & gross profit growing significantly quarter-over-quarter ($CAD),
driven by user, purchase, and transaction growth.
$2.9
$66.5
$81.3
$109.2 $113.1
0
30
60
90
120
Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017
Millions
Revenue
$0.01
$1.05
$1.15
$1.90
$2.80
0
0.5
1
1.5
2
2.5
3
Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017
Gross Profit
As at June 30, 2016:
Working capital of $57.4M
(cash + precious metals inventory +
ST investments)
to satisfy
$715.7K of liabilities
Net liquid assets of $59.9M
(i.e. excl. goodwill, intangibles, and
PP&E)
Key Corporate Priorities: Our First 18 Months
1. Growth of Goldmoney Network (BitGold) via aggressive acquisition & global service trials.
2. Modernization of the Goldmoney Wealth business.
3. Boosting customer activity with new platform capabilities (card, transfers, payments).
4. Attaining operational & financial excellence in a scaling operation.
5. Assessing future product growth in savings, credit & distributed payments.
The Network Effect is Forming…
MORE THAN 1.2M GLOBAL ACCOUNT SIGNUPS ….FROM MORE THAN 150 COUNTRIES…
WHO CONTINUALLY INCREASE THEIR NUMBER OF TRANSACTIONS
*Deposits & Transactions as reported Goldmoney Network
200,000
400,000
600,000
800,000
1,000,000
1,200,000
1,400,000
May
June
July
August
September
October
November
December
January
February
March
April
May
June
July
August
User Growth:
Account signups
0
0.5
1
1.5
2
2.5
3
3.5
4
4.5
May
June
July
August
September
October
November
December
January
February
March
April
May
June
July
August
Transactions Per
Active User
1 Growth of Goldmoney Network via aggressive acquisition & global service trials
Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017
Growth by Region:
Users with a Gold Balance
North	America Europe Asia South	America Africa Oceanica
*Deposits & Transactions as reported for BitGold.
Aug-14 Aug-15 Aug-16
Wealth Net Signup Growth Trend
1. Overhaul and rebranding of Goldmoney of Wealth account and site experience.
2. Integration of Mastercard prepaid cards for Wealth accounts and launch of
exclusive solid gold and silver Mastercards.
3. Launch of Goldmoney Insights Research & the hiring of John Butler and Stefan
Wieler.
4. Global Partner Program; building strong relationships with referrers.
5. Focus on cash flow positive; reengineering cost rationaliziation.
Wealth Inflows Trend (grams)
Goldmoney	
Acquisition	
Peter	Schiff	
Effect
Goldmoney	
Acquisition	
0%
2 Modernization of the Goldmoney Wealth business
MAJOR INITIATIVES
Q2 2016 Q3 2016 Q4 2016 Q1 2017
Net Income (357,875) (288,188) (15,751) 2,122,633
WEALTH PROFITABILITY
Aug-14 Aug-15 Aug-16
25
• Proactively manage customer lifecycle from registration through activation and repeat usage.
• Introduce and groom trial of prepaid card, transfers and getting paid in gold for business.
• Education marketing and research for informed and engaged users.
• Accelerate multiple currency and funding options globally.
• Expand Physical redemption offering and competitiveness.
%	Growth	in	Recurring	Deposits
15%	CAGR
MAJOR INITIATIVES
3 Boosting customer activity with new platform capabilities (card, transfers, payments)
Number of cards issued
growing +15% MoM
Goldmoney Mastercard Progress to Date
TRACTION ACCELERATING: CARD ISSUES & USAGE
Card load activity growing
+25% MoM
Local point-of-sale: 80%
ATM withdrawals: 20%
Verified card holders
in 140+ countries
US
CA
GBFR
DE
IT
ES
AU
CN
ZA
MX
CH
BR
NL
SE
CO
VE
PH
SG
JP
Other
Cards Issued by CountryDistribution of Card Transactions
ATM	Trx POS	Trx
Cards Issued (Cumulative)
CHF	 USD	 GBP	 EUR	
Card Loads by
Currency (Gold Grams)
GAU	->	CHF GAU	->	USD	
GAU	->	GBP GAU	->	EUR
◆ Business deposits – protecting earnings ↑18%+ MoM (avg)
◆ Total GAU payment amounts ↑15%+ MoM (avg)
◆ Total gold transfers & invoice payments ↑80%+ MoM (avg)
May Jun Jul Aug
Unique Business Depositor
Growth
avg. +18% MoM
May Jun Jul Aug
Total Transaction Volume
(Transfers + Invoices)
avg. +80% MoM
May Jun Jul Aug
Value of Invoice Payments
MoM (GAU)
avg. +15% MoM
UPCOMING ENHANCEMENTS
◆ Online checkout and donations via Goldmoney Pay
◆ Goldmoney engagement marketing & referral programs
◆ Support for U.S. businesses
Goldmoney Business Account Adoption Growing MoM
3 Boosting customer activity with new platform capabilities (card, transfers, payments)
Invest in
Product
Increase Transaction Efficiency
Leverage
Cost Savings
4 Attaining operational & financial excellence in a scaling operation
CUSTOMER SERVICE
ü Continuous improvement of end to end customer experience.
ü Optimizing efficiencies in customer service data and feedback loop:
• Reduced customer service response time
• Improved self-serve knowledge centre and support documentation
• Expanded Goldmoney Community member base
COMPLIANCE & RISK MANAGEMENT
ü Improved risk assessment scoring during onboarding; decreased fraud and subsequent chargeback rates (down by 70 percent).
ü Easier onboarding for valued and authentic customers.
ü Improved deposit experience: Verification at onboarding; less declines.
ü Expanded compliance regime: In-depth implementation of FATF recommendations.
ü Improved OPS efficiency: Increased automated/modern remittance systems.
4 Attaining operational & financial excellence in a scaling operation
Our Leading Edge Approach to Global Risk & Fraud Management
More user information and smarter models enhance the monitoring process
TRANSACTION LEVEL RISK
Sophisticated algorithms, 3rd party
networks, + fraud agents used to
validate identity and prevent fraud on
funding / redemption methods.
ACCOUNT LEVEL RISK
Perform KYC, review of account
details, proof of identity, proof of
address along with a number of
other verifications.
NETWORK LEVEL RISK
Closed loop account framework +
Advanced technology recognizes
patterns and detects account linkages
to predict fraud.
Global Compliance Detections – End-to-End Management of AML
31
Case Management
•AML
•PEP
•EDD
•AUP
•Sanctions
Closed Loop /
Linking Customers
Investigation
Systems & Teams
Detection &
Prevention
AUP
Transaction
Monitoring
Sanctions
PEP
AlertManagement
STR Disclosures
IFTI & CTR
Law Enforcement
PRF Metrics
Reporting
Legend
1. Case Management = Workflows, Agent Specialization, for multiple regions/type of work
2. IFTI- International Funds Transfer Report
3. CTR-Currency Transaction Report
4. PRF-Performance
5. PEP- Politically Exposed Person
6. AUP- Acceptable Use Policy
7. EDD- Enhanced Due Diligence
Transaction Monitoring WatchList Management Trend Analysis
Goldmoney
Customer
Data
AML Fraud
32
• $67.8mm total capital raised (as of June 30)
• ~$58.9 million in cash & liquid assets (as of June 30)
• 68mm shares outstanding
• 3.5 mm warrants & options outstanding
• $59.4mm acquisition (11.1mm shares issued) of Goldmoney in July 2015
• $36.6mm in bought deal financing in February 2016
• $5.3mm acquisition of Schiff Gold (1.1mm shares + 1.4mm warrants) in July 2016 *Pending
• Founders & Board own and control more than 26mm shares
THE NUMBERS – CAPITAL STRUCTURE
Goldmoney Inc. graduates to
the Toronto Stock Exchange in
less than one year.
Dec 14 June 15Mar 15 Sept 15 Dec 15 Mar 16 June 16 Sept 16
BitGold	Launch		&		
IPO	on	TSX-V	
GoldMoney	
Acquisition
Seed	Round
$20M	
Bought	Deal	
Financing	
$36.6M	
Bought	Deal	
Financing
Schiff	Gold	
Acquisition
*Pending
Graduation	
to	TSX	
4. Attaining operational & financial excellence in a scaling operation
1
Business Performance to Date2
Macro Outlook & Opportunity for Goldmoney3
Agenda
Strategic Priorities for 20174
The Vision for a Personal Gold Standard
Confidential and
Proprietary
34
A New Standard for Independent Research
0.00
0.50
1.00
1.50
2.00
2.50
3.00
3.50
4.00
Dec-12 Jun-13 Dec-13 Jun-14 Dec-14 Jun-15 Dec-15
Federal Reserve Interest Rate guidance (dotplot)
End of 2016 End of 2017 End of 2018
Macro Outlook
Rate increase is much slower than initially projected;
terminal rate continues to be revised down
Our core thesis is gold prices are not driven by fear and
greed, but real rates and long-term energy prices.
Goldmoney Insights – Model Output
0
200
400
600
800
1000
1200
1400
1600
1800
2000
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
Predicted Gold price
Average	Since	2000
37
“
Gold maintains its purchasing power over fiat…by a wide margin
As a store of value, Gold is more stable than most people
recognize when measured against individual currencies.
Given the context, we are taking an aggressive posture as we enter 2017…
Ongoing
Economic
Uncertainty
Goldmoney
Momentum
Opportunity for
Goldmoney to
Aggressively Grow
Network Effect
Currency
Volatility
Path to Business Expansion
Grow Network
Activate Wealth
Distribution
Evolving Beyond Initial Gold Purchases
Broaden Our Business
Deepen Our
Relationships
ü Increase activity and
loyalty
ü Increase share of
savings portfolio &
payment transactions
ü Create competitive
advantage
ü Expand our network
ü New customer acquisition
channels
ü New products & revenue
opportunities
• Grow the user base
• Boost activity of existing users
• Drive brand recognition
• Expand transaction utility for
spending and earning
• Market localization for deeper network effect
• Physical expansion options
• Commercial bank integrations & partnerships
• 3rd party ecommerce platforms
• Billing & payroll platform integrations
• Developer API
Extend
the Platform
Grow the Core
GROW THE CORE EXTEND THE PLATFORM
5 Assessing future product growth in savings, credit & distributed payments
{ }
1
Business Performance to Date2
Macro Outlook & Opportunity for Goldmoney3
Agenda
Strategic Priorities for 20174
The Vision for a Personal Gold Standard
1. Win customer preference as the best way to save, spend and send gold.
2. Accelerate network utility and adoption through strategic partner distribution.
3. Extend our global footprint & local competitive advantage.
4. Maximize the potential of Goldmoney Wealth.
5. Launch innovative new ventures and products in digital and physical.
6. Build compliance and operational excellence into all aspects of the business.
Strategic Priorities for 2017
Summary
ü Goldmoney is performing well; on track to achieve financial and strategic objectives for fiscal year 2017.
ü Goldmoney is well capitalized and positioned for executing against its goals.
ü Focus building a great company to support growth and executing on business unit goals to achieve corporate
goals.
ü Goldmoney is committed to supporting each and every customer (Personal, Business, Wealth) and network
partner.
ü 2017 business KPIs are ambitious but achievable; despite economic uncertainty, we are investing heavily in
our momentum.
ü Our Six strategic priorities will guide our decisions and cultivate the next wave of growth expansion in 2017.
334 Adelaide St. West 3rd Floor
Toronto, Ontario
M5V 1R4 Canada
Investor Relations:
Jacquelyn Humphrey
ir@goldmoney.com
+1 647 499 6748
GOLDMONEY INC. IS TRADED UNDER THE SYMBOL “XAU” ON THE TORONTO STOCK EXCHANGE (TSX). FINANCIAL REPORTS AND FILINGS CAN BE VIEWED HERE.
FOR ADDITIONAL INFORMATION AND PRESENTATIONS, PLEASE VISIT OUR INVESTOR RELATIONS NEWSROOM.

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Goldmoney Inc. Annual General Meeting Presentation 2016

  • 1. Goldmoney Inc. Annual General Meeting S E P T E M B E R 2 9 , 2 0 1 6 @Goldmoney
  • 2. These Slides contain certain “forward-looking information” within the meaning of applicable Canadian securities laws that are based on expectations, estimates and projections as at the date of these Slides. The information in these Slides about the future plans and objectives of the Company are forward- looking information. Other forward-looking information includes but is not limited to information concerning the intentions, plans and future actions of the Company. Any statements that involve discussions with respect to predictions, expectations, beliefs, plans, projections, objectives, assumptions, future events or performance (often but not always using phrases such as “expects”, or “does not expect”, “is expected”, “anticipates” or “does not anticipate”, “plans”, “budget”, “scheduled”, “forecasts”, “estimates”, “believes” or “intends” or variations of such words and phrases or stating that certain actions, events or results “may” or “could”, “would”, “might” or “will” be taken to occur or be achieved) are not statements of historical fact and may be forward-looking information and are intended to identify forward-looking information. This forward-looking information is based on reasonable assumptions and estimates of management of the Company at the time it was made, and involves known and unknown risks, uncertainties and other factors which may cause the actual results, performance or achievements of the Company to be materially different from any future results, performance or achievements expressed or implied by such forward-looking information. Such factors include, among others: the Corporation’s limited operating history; future capital needs and uncertainty of additional financing; the competitive nature of the industry; currency exchange risks; the need for the Corporation to manage its planned growth and expansion; the effects of product development and need for continued technology change; protection of proprietary rights; the effect of government regulation and compliance on the Corporation and the industry; network security risks; the ability of the Corporation to maintain properly working systems; theft and risk of physical harm to personnel; reliance on key personnel; global economic and financial market deterioration impeding access to capital or increasing the cost of capital; global economic climate; dilution; and volatile securities markets impacting security pricing unrelated to operating performance. Although the Company has attempted to identify important factors that could cause actual results to differ materially, there may be other factors that cause results not to be as anticipated, estimated or intended. There can be no assurance that such statements will prove to be accurate as actual results and future events could differ materially from those anticipated in such statements. Accordingly, readers should not place undue reliance on forward-looking information. The Company undertakes no obligation to revise or update any forward-looking information other than as required by law. No stock exchange, securities commission or other regulatory authority has approved or disapproved the information contained herein. The Slides and the accompanying verbal presentation are confidential and are being supplied to you solely for your information and may not be reproduced or distributed to any other person or published, in whole or in part, for any other purpose. Important Notice These presentation slides (the “Slides”) do not comprise a prospectus or other form of offering document relating to Goldmoney Inc. (the “Company”), and do not constitute an offer or invitation to purchase or subscribe for any securities of the Company or any other company and should not be relied on in connection with a decision to purchase or subscribe for any such securities. The Slides and the accompanying verbal presentation do not constitute a recommendation regarding any decision to sell or purchase securities of the Company or any other company. Your attention is drawn to the risk factors set out below. Caution Regarding Forward-Looking Information
  • 3. Executive Summary In its first 18 months, Goldmoney has worked to effectively build and commercialize the Goldmoney technology stack to democratize and enable widespread access to gold savings and payments: • Goldmoney is on track to achieve its business KPIs • Goldmoney has successfully delivered on its corporate priorities The continuation of economic and currency volatility is an opportunity for Goldmoney: • World economic and currency conditions remain uncertain • The financial services sector is facing disruption and significant public criticism • Given this context, we are taking an aggressive posture as we enter 2017 to accelerate the network effect for Goldmoney • Six corporate priorities have been identified The combination of our current business momentum, strong capitalization, and going into further negative macro economic conditions, give us strong confidence to accelerate on our vision…
  • 4. The world’s gold savings and payments network Making money work better for everyone
  • 5. 1 Business Performance to Date2 Macro Outlook & Opportunity for Goldmoney3 Agenda Strategic Priorities for 20174 The Vision for a Personal Gold Standard
  • 6. Top Executives The Goldmoney teams builds on decades of experience in financial services, investment management, e-commerce & payments, software engineering, UX/UI design, cryptography, digital security, compliance, commodity market trading, and macroeconomics. FOUNDER & CHIEF STRATEGY OFFICER Josh Crumb Former Sr. Metals Strategist, Goldman Sachs CHIEF TECHNOLOGY OFFICER Alessandro Premoli Decade+ experience in encryption, cryptography & digital signatures FOUNDER & CEO OF GOLDMONEY INC. Roy Sebag Former Portfolio Manager Long/Short Equity, Essentia Equity CEO, GOLDMONEY NETWORK Darrell MacMullin Former Head of PayPal Canada, eBay, Fintech advisor CHIEF FINANCIAL OFFICER Katie Sokalsky Former auditor, PwC Financial services expertise
  • 7. Goldmoney Inc. Board of Directors LEAD DIRECTOR FOUNDER James Turk DIRECTOR Hector Fleming DIRECTOR CHAIRMAN OF AUDIT COMMITTEE Mahendra Naik DIRECTOR Leslie D. Biddle DIRECTOR CHIEF STRATEGY OFFICER Josh Crumb DIRECTOR CHIEF EXECUTIVE OFFICER Roy Sebag
  • 8. What is Goldmoney? • World’s largest 100% reserved gold savings and payments network • Democratizes access to gold savings and instant gold transfers (anyone can earn gold for their productivity) • Helps underbanked and underserved citizens protect their purchasing power • Building global client relationships by unlocking network utility of a global money base Goldmoney provides secure and accessible gold-based savings, payments, and wealth services through three distinct account offerings.
  • 9. “Gold (Au) has been a commodity money for 6,000 years due to its natural properties.
  • 10. Gold’s Natural Monetary Properties Everything we touch, feel, breathe, or burn is either an element or compounds and molecules made-up of elements. When an element or compound becomes consistently desired, it becomes also known as a “commodity”. Over the course of recorded history (6,000 years), humanity’s greatest minds from Aristotle to Newton have discovered, studied, and classified 92 unique elements that naturally occur on our planet. The first natural element likely discovered was copper with the last being Francium in 1939. Each of the 92 has different physical properties, relative scarcity in the earth, and varying lifecycles. Some are finite, others renewable. Some decay rapidly, others are toxic to humans. The relative abundance of the 92 natural elements to each other on our planet is well understood. Unfortunately, disciplines beyond geology and physics are not well acquainted with this obvious fact governing our natural systems. We know for example that no matter what continent, the average amount of copper in 1 tonne of copper containing ore is always 3,000 greater than that of gold. We know that the average crop yield per acre for Corn is 2.6x that of Wheat. On average and over long periods of time, these relationships are immutably bound by nature and revert back to the natural mean. Think of Nature as a system enforcing the same rules no matter what time period we occupy. These are the basic physics underlying our natural systems. Now let us move into economics… Au 79 By Roy Sebag and Joshua D. Crumb GOLD (AU) EVOLVED INTO “MONEY” DUE TO PHYSICS, NOT ECONOMICS To understand gold, we must first reacquaint ourselves with natural systems, the elements, and basic natural law (physics) underlying all real economic activity. It follows then that in the real economy, everything built, manufactured, or invented irrespective of industry relies on a chain of causes and effects. Where does this chain begin? With the extraction, transportation, storage, and distribution of elements. More specifically, agriculture and natural resource extraction. This is the point at which price subjectivity is not yet present, rather man and nature working to produce the first surplus. A surplus which isn’t discretionary but rather existentially demanded by the state of the real economy. When distilling each of these distinct activities, we find a common thread: Harnessing, manipulating, or working with the elements always requires an input of energy, labour, time, and information. We call these “input units”. In most cases, energy represents the majority of that input value (up to 70%). What we are really doing as participants in an economy is harnessing and exchanging surpluses and deficiencies of energy (which cannot be stored) through time. The term energy, here doesn’t denote a specific source of energy (oil or solar) but rather the concept of energy as a surplus which can fuel work. With this knowledge we can quantify the long-run value of any good in the real economy through two steps: First, we break down the elemental constituents and calculate their respective cost in input units (primarily energy). Second, we account for the “subjective” or “informational” value beyond that elemental cost. Predictably, empirical price history shows that over time, the subjective or informational value component of a good trend to zero. In the real economy, these calculations recalibrate every day irrespective of the political, monetary, or labour system employed.
  • 11. Gold’s Natural Monetary Properties Our human ancestors recognized these natural relationships and the friction inherent in exchanging a specific desired good or service for another specific desired good or service (barter). They began to experiment with intermediate commodities that could bridge this quickly decaying energy surplus which they recognized was the true recurring cost of any good or service in the economy. As the state of the real economy prospered, such a commodity would become increasingly desired as a “commodity money”. Interestingly, history shows this was a process of trial and error, with millions of experiments over thousands of years with virtually everything. Of the 92 natural elements, there is only one that could have evolved as an intermediate “commodity money” representing an equivalent energy surplus, or energy proof of value to any good or service. This natural element would need to be rarer than anything else in nature, but also be time superior to everything else by lasting longer given that energy itself could not be stored. This combination of relative rarity in nature coupled with immortality resulted in the natural evolution of gold as money. Gold is the rarest of mined elements on any meaningful scale. Gold has another equally important feature: immortality. It doesn’t tarnish, rot, evaporate, or decay. Unlike an energy surplus or quickly decaying commodities, gold doesn’t have a lifecycle and for reasons unbeknownst to us, resists entropy. Total gold stock ownership reflects billions of past exchanges enforcing the natural relationship over time. Au 79 GOLD (AU) EVOLVED INTO “MONEY” DUE TO PHYSICS, NOT ECONOMICS Gold’s natural properties made it the perfect intermediate commodity (money) to bridge decaying energy. Gold’s rarity means its extraction absorbs more input units per mass than any other element or compound. Gold’s immortality means it lasts while everything else (including the input units) diminishes over time. Therefore gold is always time superior to input units in any transaction within the real-economy. Because gold lasts forever, all the gold ever extracted grows in size over time as an increasing physical inventory (stock). Conversely, input units representing the feedstock of the real-economy diminish and have no equivalent stock or inventory to draw upon. They must always be reproduced or reconfigured in the future. Billions of people from varying geographies and cultures make up the ownership of this gold stock having acquired their own personal slice in exchange for their own diminishing input units. Every day, they can decide to convert their gold back into diminishing input units, or convert the value of their newly earned surplus into gold affecting that same gold stock. Each acquires or converts their personal surplus through varying levels of productivity, skills, time, and effort. But as the arrow of time is stretched and entropy in the system increases, there is an implicit reversion back the natural mean (that natural elemental ratio we discussed). Bringing back to economic terms, this is why everything priced in gold is remarkably stable over the long-run irrespective of what external measurement system is introduced (whether that external system is fiat money, bitcoin, or jelly beans). It follows that gold is simply natural money. Borne out of natural law (physics) rather than economic or human decree. Gold’s natural monetary properties allow it to better distribute price signals and an energy surplus in the real economy leading to a more equitable human system. Whether embraced by the majority or minority, gold works always and everywhere.
  • 12. Gold is a Good Store of Value – The Proof is in the Math 11 The cost of life in US Dollars over time GOLD PROTECTS PURCHASING POWER OVER THE LONG RUN 0.11 857 0.26 0.15 0.07 739 0.27 0.13 The cost of life in Gold over time (grams) 1985 2015 1985 2015 Food Fuel Transportation Entertainment $1.16 $9,000 $2.75 $1.60 $4.79 $27,825 $2.51 $10.25
  • 13. “Devoid of modern savings and settlement innovation, physical gold hasn’t been easy or practical for the average person to access. Until Now…
  • 14. Goldmoney Inc. Using technology to make gold easily accessible through a modern global network, making it the best way to save, spend, or earn in gold, anywhere in the world. THE WORLD’S GOLD SAVINGS & PAYMENTS NETWORK
  • 15. Gold Ownership Made Easy ü Securing Users’ Purchasing Power ü Providing Reliable Savings Tools ü Innovating How Global Payments Work Gold Ownership Made Easy
  • 16. FEATURES ◆ 100% allocated gold savings (nine vaults) ◆ Easily build a savings plan (drip/recurring savings) ◆ Send, request, shop, and donate globally with Gold ◆ No minimums or monthly fees ◆ Free storage & insurance ◆ Free Goldmoney third-party issued prepaid Mastercard ◆ As low as 1% purchase / redemption fee ◆ Goldmoney fraud & purchase protection ◆ Goldmoney mobile ◆ Goldmoney community & online support WHY CONSUMERS LOVE GOLDMONEY Simplicity Security Flexibility + One account that lets you save in gold, transfer gold to friends and family, shop online and in stores globally.
  • 17. Save. In Gold. Goldmoney lets you save in gold, protecting your purchasing power. Spend. In Gold. Spend your gold balance for local or cross border shopping or travelling abroad without expensive foreign exchange fees. Transfer. In Gold. Global P2P transfers simplified. Buy gold from any currency for 1%. Transfer gold. Receiver can sell gold to their local currency for 1%.
  • 18. FEATURES ◆ Accept ecommerce, donation & subscription payments ◆ Powerful invoicing platform ◆ Global payouts & payroll tool ◆ Process global payments from any currency for 1% ◆ Store gold balance or redeem to your currency for 1% ◆ Customer & inventory management ◆ Automatic settlement to your bank ◆ Goldmoney community & online support WHY MERCHANTS LOVE GOLDMONEY Global Reach Cost-Effective New Sales + Global processing made easy using gold. One account to pay employees and get paid by global customers and suppliers. Pay
  • 19. GOLD PAYROLL SOLUTIONS Give employees the option to receive any % of their wage in gold. Earn. In Gold. Invoicing, Payroll & Payout Solutions DIVIDEND PAYOUTS IN GOLD Give shareholders the option to receive dividend payouts in gold. GOLD INVOICING Invoice vendors and customers in any currency. Receive payment in gold.
  • 20. ◆ Hold up to nine currency balances ◆ Purchase all four precious metals: gold, silver, platinum & palladium ◆ Insured custody & storage at multiple global vault operations ◆ Comprehensive reporting & research ◆ Access to exclusive events ◆ Personal relationship manager ◆ Dedicated phone and online support ◆ Exclusive 18K gold third-party issued Mastercard prepaid card TRUSTED PRIVATE WEALTH MANAGEMENT Fully Reserved Your Metal Your Money + Safeguarding Your Wealth. Protecting Your Legacy. FEATURES
  • 21. 1 Business Performance to Date2 Macro Outlook & Opportunity for Goldmoney3 Agenda Strategic Priorities for 20174 The Vision for a Personal Gold Standard
  • 22. Strong Performance Against Revenue Targets 21 Revenue, fee revenue & gross profit growing significantly quarter-over-quarter ($CAD), driven by user, purchase, and transaction growth. $2.9 $66.5 $81.3 $109.2 $113.1 0 30 60 90 120 Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Millions Revenue $0.01 $1.05 $1.15 $1.90 $2.80 0 0.5 1 1.5 2 2.5 3 Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Gross Profit As at June 30, 2016: Working capital of $57.4M (cash + precious metals inventory + ST investments) to satisfy $715.7K of liabilities Net liquid assets of $59.9M (i.e. excl. goodwill, intangibles, and PP&E)
  • 23. Key Corporate Priorities: Our First 18 Months 1. Growth of Goldmoney Network (BitGold) via aggressive acquisition & global service trials. 2. Modernization of the Goldmoney Wealth business. 3. Boosting customer activity with new platform capabilities (card, transfers, payments). 4. Attaining operational & financial excellence in a scaling operation. 5. Assessing future product growth in savings, credit & distributed payments.
  • 24. The Network Effect is Forming… MORE THAN 1.2M GLOBAL ACCOUNT SIGNUPS ….FROM MORE THAN 150 COUNTRIES… WHO CONTINUALLY INCREASE THEIR NUMBER OF TRANSACTIONS *Deposits & Transactions as reported Goldmoney Network 200,000 400,000 600,000 800,000 1,000,000 1,200,000 1,400,000 May June July August September October November December January February March April May June July August User Growth: Account signups 0 0.5 1 1.5 2 2.5 3 3.5 4 4.5 May June July August September October November December January February March April May June July August Transactions Per Active User 1 Growth of Goldmoney Network via aggressive acquisition & global service trials Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Growth by Region: Users with a Gold Balance North America Europe Asia South America Africa Oceanica
  • 25. *Deposits & Transactions as reported for BitGold. Aug-14 Aug-15 Aug-16 Wealth Net Signup Growth Trend 1. Overhaul and rebranding of Goldmoney of Wealth account and site experience. 2. Integration of Mastercard prepaid cards for Wealth accounts and launch of exclusive solid gold and silver Mastercards. 3. Launch of Goldmoney Insights Research & the hiring of John Butler and Stefan Wieler. 4. Global Partner Program; building strong relationships with referrers. 5. Focus on cash flow positive; reengineering cost rationaliziation. Wealth Inflows Trend (grams) Goldmoney Acquisition Peter Schiff Effect Goldmoney Acquisition 0% 2 Modernization of the Goldmoney Wealth business MAJOR INITIATIVES Q2 2016 Q3 2016 Q4 2016 Q1 2017 Net Income (357,875) (288,188) (15,751) 2,122,633 WEALTH PROFITABILITY Aug-14 Aug-15 Aug-16
  • 26. 25 • Proactively manage customer lifecycle from registration through activation and repeat usage. • Introduce and groom trial of prepaid card, transfers and getting paid in gold for business. • Education marketing and research for informed and engaged users. • Accelerate multiple currency and funding options globally. • Expand Physical redemption offering and competitiveness. % Growth in Recurring Deposits 15% CAGR MAJOR INITIATIVES 3 Boosting customer activity with new platform capabilities (card, transfers, payments)
  • 27. Number of cards issued growing +15% MoM Goldmoney Mastercard Progress to Date TRACTION ACCELERATING: CARD ISSUES & USAGE Card load activity growing +25% MoM Local point-of-sale: 80% ATM withdrawals: 20% Verified card holders in 140+ countries US CA GBFR DE IT ES AU CN ZA MX CH BR NL SE CO VE PH SG JP Other Cards Issued by CountryDistribution of Card Transactions ATM Trx POS Trx Cards Issued (Cumulative) CHF USD GBP EUR Card Loads by Currency (Gold Grams) GAU -> CHF GAU -> USD GAU -> GBP GAU -> EUR
  • 28. ◆ Business deposits – protecting earnings ↑18%+ MoM (avg) ◆ Total GAU payment amounts ↑15%+ MoM (avg) ◆ Total gold transfers & invoice payments ↑80%+ MoM (avg) May Jun Jul Aug Unique Business Depositor Growth avg. +18% MoM May Jun Jul Aug Total Transaction Volume (Transfers + Invoices) avg. +80% MoM May Jun Jul Aug Value of Invoice Payments MoM (GAU) avg. +15% MoM UPCOMING ENHANCEMENTS ◆ Online checkout and donations via Goldmoney Pay ◆ Goldmoney engagement marketing & referral programs ◆ Support for U.S. businesses Goldmoney Business Account Adoption Growing MoM 3 Boosting customer activity with new platform capabilities (card, transfers, payments)
  • 29. Invest in Product Increase Transaction Efficiency Leverage Cost Savings 4 Attaining operational & financial excellence in a scaling operation
  • 30. CUSTOMER SERVICE ü Continuous improvement of end to end customer experience. ü Optimizing efficiencies in customer service data and feedback loop: • Reduced customer service response time • Improved self-serve knowledge centre and support documentation • Expanded Goldmoney Community member base COMPLIANCE & RISK MANAGEMENT ü Improved risk assessment scoring during onboarding; decreased fraud and subsequent chargeback rates (down by 70 percent). ü Easier onboarding for valued and authentic customers. ü Improved deposit experience: Verification at onboarding; less declines. ü Expanded compliance regime: In-depth implementation of FATF recommendations. ü Improved OPS efficiency: Increased automated/modern remittance systems. 4 Attaining operational & financial excellence in a scaling operation
  • 31. Our Leading Edge Approach to Global Risk & Fraud Management More user information and smarter models enhance the monitoring process TRANSACTION LEVEL RISK Sophisticated algorithms, 3rd party networks, + fraud agents used to validate identity and prevent fraud on funding / redemption methods. ACCOUNT LEVEL RISK Perform KYC, review of account details, proof of identity, proof of address along with a number of other verifications. NETWORK LEVEL RISK Closed loop account framework + Advanced technology recognizes patterns and detects account linkages to predict fraud.
  • 32. Global Compliance Detections – End-to-End Management of AML 31 Case Management •AML •PEP •EDD •AUP •Sanctions Closed Loop / Linking Customers Investigation Systems & Teams Detection & Prevention AUP Transaction Monitoring Sanctions PEP AlertManagement STR Disclosures IFTI & CTR Law Enforcement PRF Metrics Reporting Legend 1. Case Management = Workflows, Agent Specialization, for multiple regions/type of work 2. IFTI- International Funds Transfer Report 3. CTR-Currency Transaction Report 4. PRF-Performance 5. PEP- Politically Exposed Person 6. AUP- Acceptable Use Policy 7. EDD- Enhanced Due Diligence Transaction Monitoring WatchList Management Trend Analysis Goldmoney Customer Data AML Fraud
  • 33. 32 • $67.8mm total capital raised (as of June 30) • ~$58.9 million in cash & liquid assets (as of June 30) • 68mm shares outstanding • 3.5 mm warrants & options outstanding • $59.4mm acquisition (11.1mm shares issued) of Goldmoney in July 2015 • $36.6mm in bought deal financing in February 2016 • $5.3mm acquisition of Schiff Gold (1.1mm shares + 1.4mm warrants) in July 2016 *Pending • Founders & Board own and control more than 26mm shares THE NUMBERS – CAPITAL STRUCTURE Goldmoney Inc. graduates to the Toronto Stock Exchange in less than one year. Dec 14 June 15Mar 15 Sept 15 Dec 15 Mar 16 June 16 Sept 16 BitGold Launch & IPO on TSX-V GoldMoney Acquisition Seed Round $20M Bought Deal Financing $36.6M Bought Deal Financing Schiff Gold Acquisition *Pending Graduation to TSX 4. Attaining operational & financial excellence in a scaling operation
  • 34. 1 Business Performance to Date2 Macro Outlook & Opportunity for Goldmoney3 Agenda Strategic Priorities for 20174 The Vision for a Personal Gold Standard
  • 35. Confidential and Proprietary 34 A New Standard for Independent Research
  • 36. 0.00 0.50 1.00 1.50 2.00 2.50 3.00 3.50 4.00 Dec-12 Jun-13 Dec-13 Jun-14 Dec-14 Jun-15 Dec-15 Federal Reserve Interest Rate guidance (dotplot) End of 2016 End of 2017 End of 2018 Macro Outlook Rate increase is much slower than initially projected; terminal rate continues to be revised down Our core thesis is gold prices are not driven by fear and greed, but real rates and long-term energy prices.
  • 37. Goldmoney Insights – Model Output 0 200 400 600 800 1000 1200 1400 1600 1800 2000 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Predicted Gold price
  • 38. Average Since 2000 37 “ Gold maintains its purchasing power over fiat…by a wide margin As a store of value, Gold is more stable than most people recognize when measured against individual currencies.
  • 39. Given the context, we are taking an aggressive posture as we enter 2017… Ongoing Economic Uncertainty Goldmoney Momentum Opportunity for Goldmoney to Aggressively Grow Network Effect Currency Volatility
  • 40. Path to Business Expansion Grow Network Activate Wealth Distribution
  • 41. Evolving Beyond Initial Gold Purchases Broaden Our Business Deepen Our Relationships ü Increase activity and loyalty ü Increase share of savings portfolio & payment transactions ü Create competitive advantage ü Expand our network ü New customer acquisition channels ü New products & revenue opportunities
  • 42. • Grow the user base • Boost activity of existing users • Drive brand recognition • Expand transaction utility for spending and earning • Market localization for deeper network effect • Physical expansion options • Commercial bank integrations & partnerships • 3rd party ecommerce platforms • Billing & payroll platform integrations • Developer API Extend the Platform Grow the Core GROW THE CORE EXTEND THE PLATFORM 5 Assessing future product growth in savings, credit & distributed payments { }
  • 43. 1 Business Performance to Date2 Macro Outlook & Opportunity for Goldmoney3 Agenda Strategic Priorities for 20174 The Vision for a Personal Gold Standard
  • 44. 1. Win customer preference as the best way to save, spend and send gold. 2. Accelerate network utility and adoption through strategic partner distribution. 3. Extend our global footprint & local competitive advantage. 4. Maximize the potential of Goldmoney Wealth. 5. Launch innovative new ventures and products in digital and physical. 6. Build compliance and operational excellence into all aspects of the business. Strategic Priorities for 2017
  • 45. Summary ü Goldmoney is performing well; on track to achieve financial and strategic objectives for fiscal year 2017. ü Goldmoney is well capitalized and positioned for executing against its goals. ü Focus building a great company to support growth and executing on business unit goals to achieve corporate goals. ü Goldmoney is committed to supporting each and every customer (Personal, Business, Wealth) and network partner. ü 2017 business KPIs are ambitious but achievable; despite economic uncertainty, we are investing heavily in our momentum. ü Our Six strategic priorities will guide our decisions and cultivate the next wave of growth expansion in 2017.
  • 46. 334 Adelaide St. West 3rd Floor Toronto, Ontario M5V 1R4 Canada Investor Relations: Jacquelyn Humphrey ir@goldmoney.com +1 647 499 6748 GOLDMONEY INC. IS TRADED UNDER THE SYMBOL “XAU” ON THE TORONTO STOCK EXCHANGE (TSX). FINANCIAL REPORTS AND FILINGS CAN BE VIEWED HERE. FOR ADDITIONAL INFORMATION AND PRESENTATIONS, PLEASE VISIT OUR INVESTOR RELATIONS NEWSROOM.