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BitGold Investor Slidedeck

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“Gold should not be viewed as the means to make you rich, but rather, as a means to avoid the debts that can make you poor” -BitGold Inc. May 13, 2015.

"No matter where you live in the world gold has effortlessly held its commodity value over time relative to costs like food and energy that we require as humans, making it one the most important savings tools for most of the human population”.

Our mission is to make gold accessible and useful in digital payments and secure savings.

We're advancing the digital payments revolution by helping people securely acquire, store, and now spend gold with unprecedented simplicity. BitGold accounts are free and can be opened in minutes. We provide users with a secure vault account to purchase and hold gold, the ability to make and receive instant gold payments, and a prepaid card for spending gold at traditional points of sale or converting your gold balance to local currency at any ATM machine. All gold bullion is fully redeemable as 1kg gold bullion bars or 10g GoldCubes®

BitGold takes transparency and accountability seriously. Learn more at Transparency Buying Physical Gold.

A New Global Operating System for Gold BitGold is an internet software service that makes vaulted gold accessible for savings and mobile payments; the first full-reserve ‘online bank’ like platform with e-payments and debit card for sending & spending gold.

BitGold Investor Proposition:
Significant market potential exists across all geographies and all income segments for transaction-accessible savings accounts based on gold as a store of value. GoldMoney believes that it can provide new leadership and innovation in a trillion dollar market by providing a fresh narrative, connecting securely vaulted gold to electronic payment networks that previously did not exist, and by harnessing the connectivity of a growing mobile-internet.

The GoldMoney Proposition is to deliver strong growth in the user and asset base under both brands, building a global network for both savings and transactions. By empowering our clients, and by delivering more value to each individual than we expect to receive in return, we can build a network of lasting relationships in the world's largest commodity-money market. We believe that investing in this relationship can deliver significant value to our shareholders over the long-term, creating a reflexive global-revenue model with a scalable internet financial service, while also benefiting an entire network of stakeholders.

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BitGold Investor Slidedeck

  1. 1. 1 A GoldMoney Company
  2. 2. GoldMoney Inc. Caution Regarding Forward-Looking Information 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 BitGold 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.
  3. 3. Everything about how commerce works is in flux… • how and where people shop; • how businesses sell to consumers; • how people move money; • how people interact with financial institutions; • the very nature of money itself. Every one of these things is being reimagined on a global scale.
  4. 4. GoldMoney Inc. What is Gold? …Gold is Money without Borders
  5. 5. “No matter where you live in the world gold has effortlessly held its commodity value over time relative to costs like food and energy that we require as humans, making it one the most important savings tools for most of the human population”
  6. 6. GoldMoney Inc. USD AUD CAD CHF CNY EUR GBP INR JPY 2000 -3.0% 14.8% 1.9% 3.0% 7.5% 6.6% 4.7% 2001 2.0% 12.3% 8.7% 6.5% 8.8% 5.0% 5.4% 2002 24.7% 13.3% 22.8% 5.7% 6.4% 13.1% 23.9% 2003 21.1% -8.5% 0.6% 7.6% 1.7% 9.9% 14.8% 2004 5.4% 1.4% -2.1% -3.5% 13.6% -3.1% -2.4% 0.5% 3.7% 2005 20.0% 28.9% 15.4% 37.8% 21.3% 36.7% 33.0% 24.2% 37.6% 2006 23.0% 12.6% 23.0% 14.2% 18.7% 10.6% 8.3% 20.8% 24.4% 2007 30.9% 18.3% 12.1% 21.7% 23.3% 18.4% 29.2% 16.5% 22.9% 2008 5.6% 31.3% 30.1% -0.1% -2.4% 10.5% 43.2% 28.8% -14.4% 2009 23.4% -3.0% 5.9% 20.1% 23.6% 20.7% 12.7% 19.3% 26.8% 2010 27.1% 13.3% 21.3% 15.4% 22.8% 37.1% 31.4% 22.3% 11.4% 2011 10.1% 10.2% 13.5% 11.2% 5.9% 14.2% 10.5% 31.1% 4.5% 2012 7.0% 5.4% 4.3% 4.2% 6.2% 4.9% 2.2% 10.3% 20.7% 2013 -28.3% -16.2% -23.0% -30.1% -30.2% -31.2% -29.4% -18.7% -12.8% 2014 -1.5% 7.7% 7.9% 9.9% 1.2% 12.1% 5.0% 0.8% 12.3% 2015 -5.0% 9.7% -6.9% -6.9% -2.4% 3.4% -3.7% -0.9% -4.9% Average 10.2% 9.5% 9.5% 7.3% 8.5% 9.9% 10.9% 12.7% 11.0% Total 162.5% 151.5% 151.3% 116.7% 101.6% 158.7% 174.6% 203.8% 132.2% Over Time Gold Outperforms as a Store of Value vs Fiat Currency
  7. 7. GoldMoney Inc. Money as a Technology Designed to be an efficent exchange of value
  8. 8. GoldMoney Inc. Modern Day Money 1.0 Banknotes backed by Gold
  9. 9. GoldMoney Inc. Modern Day Money 1.1 Fiat currency — Cash backed by other sovereign cash, debt, gold
  10. 10. GoldMoney Inc. Modern Day Money 2.0 Heavily leveraged to Credit Digital fiat ledgers; fast and convenient, negligible interest on deposits The Rise of #FinTech
  11. 11. GoldMoney Inc. Modern Day Money 3.0 The Need for An Optimal Currency for Global Commerce
  12. 12. “Gold is a significant percentage of global base-money, owned in every country & across every income segment, but with no modern ‘banking’ or payment apps.”
  13. 13. GoldMoney Inc. Modern Day Money 3.0 An Optimal Currency for Global Commerce We Have this opportunity at BitGold! A digital platform that connects global users physical-gold to global payment rails with real time settlement—enabling self directed savings and payments… …A Global Operating System for Gold
  14. 14. GoldMoney Inc. Corporate Overview GoldMoney Inc. Focus Matters The Convergence of Gold and Technology to become one of the fastest growing FinTech companies globally of 2015 GoldMoney Inc. is a mission-driven Canadian Corporation. delivering full-reserve financial services powered by our innovative real-time gold settlement technology. We believe their is a strategic benefit to showcase how leading fintech companies can work with banks. We are an innovative thought leading fintech company with a global mandate, but we operate in a framework that is within regulatory guidelines and BSA best practices, we are pro Canada and seek to build a solid foundation with local financial partners. GoldMoney Inc. (TSX-V:XAU) (“GoldMoney”), is a global full-reserve and gold-focused financial services business • Launched May 4th, went Public May 14th, On July 20, 2015 BitGold Inc. completed C$59.4MM acquisition of GoldMoney Network Limited • Following the amalgamation, the company's parent name was changed from BitGold Inc. to GoldMoney Inc. • Operate 2 separate services. GoldMoney.com and BitGold.com
  15. 15. GoldMoney Inc. Capital Structure & Financings 54.5mm shares O/S following completion of GoldMoney acquisition and June financing ▪ 7mm warrants & options (3.9mm warrants forceable at C$1.35 strike) ▪ Founders own and control over 20mm shares and continue to invest in ▪ Other Key Investors include the The George Soros Family and Eric Sprott ▪ $21.0mm in bought deal financing in June 2015, backed by Albert Friedberg, ▪ Completed $59.4mm acquisition (11.1mm shares issued) of GoldMoney in July 2015 ▪ First consolidated BitGold-GoldMoney operating financials in Sep 30 quarter ▪ $30 million in cash & liquid assets (~$5 million additional post warrant exercise) • No material liabilities, obligations or encumbrances • Quarterly Net cash expenditures of $2 million
  16. 16. GoldMoney Inc. The World’s Most Trusted Precious Metal Custodian Through GoldMoney® the companyoffers precious metals custody,trading and execution,wealth management and research to individualinvestorsand institutions.
  17. 17. GoldMoney Inc. BitGold is a self directed platform to purchase, store, save, spend and send gold payments instantly Buy Gold Within 1% of official gold price Spend Gold At any point of sales with a GoldMoney PrepaidCard Store Gold Over 10 physical Brinks locations
  18. 18. GoldMoney Inc. Josh Crumb Founder & Chief Strategy Officer Former Sr. Metals Strategist at Goldman Sachs Alessandro Premoli Chief Technology Officer Decade+ experience in encryption, cryptography, digital signatures Roy Sebag Founder & CEO of GoldMoney Inc. Former Portfolio Manager Long/Short Equity, Essential Equity Multi-Disciplinary Team 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 & macroeconomics Darrell MacMullin CEO - BitGold Former Head of PayPal Canada, eBay, FinTech Advisor Katie Sokalsky Chief Financial Officer Former auditor with PWC, financial services expertise
  19. 19. GoldMoney Inc. Central Bank $5.5 Billion BitCoin Total Value $6.5 Trillion $70 Billion traded daily Gold Total Value Bitcoin BitGoldVS. VS. ✓ Gold outperforms every Fiat Currency ✓ Proprietary Digital Ledger Technology Stack ✓ Closed Loop Global Debit Network ✓ Global Access and Very liquid ✓ Reversibility of transactions ✓ KYC / AML regulation friendly ✓ No counter party risk ✓ Buyer / Seller protections ✓ Real insured physical value of goods ✓ Protections, ✓ Regulations, AML, KYC • Global Currency FX Friction • Counter Party Risk (money leveraged - credit) • Open networks • Inflation / Value Risk ✓ Digital Ledger (Decentralized) ✓ Global Currency ✓ Developer Friendly • No regulation • No protections • No reversibility of transactions • No physical underlying asset
  20. 20. “With BitGold, you are not outside of the regulatory system, but you do move outside of the banking system that provides less friction for global payments. A Gold based ledger is a better ledger than fiat currency for global internet commerce.”
  21. 21. GoldMoney Inc. Customers access one global platform over the internet using PC, Mobile, and connecting existing payment networks Legal, Compliance, Audit •Third Party Audit •Bank-Level AML/KYC •Tax Lot Accounting Aurum BitGold ”Aurum” Digital Ledger IP & Technology is a leap forward in democratizing the access of Gold Aurum Proprietary Global Pricing Ledger & Exchange Consolidated feed from Counterparties quoting Bid/Ask Spreads in each Vault Location 24/7 Global Vault Operators Provide Security, Storage,Transportation, Insurance, Accounting, Redemption Global Digital Value Processors Bank ACH, SEPA, Debit, Visa, MasterCard, China Union Pay Bitcoin, Interac, Wire
  22. 22. GoldMoney Inc. 3 Horizon Framework for Growth & Innovation 01 02 03 Reinvent Gold Buy / Sell Process Near Instant payment and settlement from any fiat currency Enable Gold Savings accounts & deposit base ecosystem Introduce Gold Payments Pre-Paid Card global purchases New Innovative P2P Value transfers Gold OS — Merchant Network Enable BitGold Global Business Payments Distributed API Gold Rail into ecomm, invoice, & payment platforms
  23. 23. GoldMoney Inc. 1• Modernize Settlement • Democratize Gold Savings • Build a Global Gold Ecosystem EXECUTION Reinventingthe Gold Buy/Sell Process
  24. 24. GoldMoney Inc. The Friction that exists in Buying Gold ETF Initial purchase fee(0.66%+) Costly for average investor Storage, Insurance & Transpiration MER fees (0.4%) Long Settlement 5-7 days Delayed period to ownership Not easily transferable No payment system No payment system Generally no ownership of underlying metal Premium to spot price Liquid Inefficient, Expensive, ineffective payment system Gold Low fee (1% of spot) No storage cost No Insurance cost Payment system Affordable—no minimum, fractional amounts Redeemable in physical gold Liquid Efficient, inexpensive, Plug-And-Play
  25. 25. GoldMoney Inc. How BitGold Works Simply Powerful Bank Transfer Bitcoin Visa Debit Credit Card China UnionPay Interac Deposit Funds from a Variety of Sources Deposit Funds into the Vault of your Choice Toronto, New York, London, Zurich, Dubai, Hong Kong, or Singapore Funds In 1%
  26. 26. GoldMoney Inc. How BitGold Works Simply Powerful Deposit Funds from a Variety of Sources Funds In 1%
  27. 27. GoldMoney Inc.
  28. 28. GoldMoney Inc. How BitGold Works Simply Powerful Bank Wire Credit Card Physical Gold Redeem/Sell Physically or Electronically Funds Out 1%
  29. 29. GoldMoney Inc. Unprecedented Pricing Own physical gold at within 1% of the official gold price Multiple Deposit Options Cash via BitGold ATM, Bank Wire Transfer, All Major Credit and Debit Cards, China UnionPay, INTERAC, and SEPA It's Your Gold Every gram of gold in your account is your property: fully reserved, allocated, and redeemable under Bailment Law in Canada as per our Customer Agreement. Storage Fees on Us Free storage at private vaults secured by Brinks in Dubai, Hong Kong, London, Singapore, Toronto, and Zurich, among others Fully Insured 100% insurance coverage on your gold value through the London market by The Brinks Company Tax Tools Using gold for payments may generate a taxable gain or loss depending on your country of residence. We provide a tax tool for end of year accounting in local currency Removing Friction to access the world best performing currency True Gold Ownership + Utility
  30. 30. BitGold Summary of Monthly KPIs – November 2015 BitGold users total is now 517,086 from over 150+ countries. 21% increase MoM Net Gold Deposits on the platform are now over 380k grams (approx $17.5 million CAD) Transaction growth on the BitGold platform is more than 560k grams….nearly 1.6x for every deposit 33,014 62,629 168,002 242,264 323,034 427,238 517,086 0 125,000 250,000 375,000 500,000 May June July Aug. Sept. Oct. Nov. Cumulative # of global users 28,881 78,883 153,109 243,427 346,733 446,542 563,461 0 125,000 250,000 375,000 500,000 May June July Aug. Sept. Oct. Nov. Platform Transaction Volume (Au Grams) 24,377 63,555 118,207 180,366 245,879 302,426 380,364 0 125,000 250,000 375,000 May June July Aug. Sept. Oct. Nov. Gold Deposit in Vaults
 (Au Grams)
  31. 31. GoldMoney Inc. Threshold to Relevance - First 1 Million users
  32. 32. GoldMoney Inc. Threshold to Relevance - First 1 Million users
  33. 33. GoldMoney Inc. Threshold to Relevance - First 1 Million users
  34. 34. GoldMoney Inc. Threshold to Relevance - First 1 Million users
  35. 35. GoldMoney Inc. Threshold to Relevance - First 1 Million users
  36. 36. Threshold to Relevance - First 1 Million users Outpacing in first 6 months of growth with users in 100+ countries
  37. 37. GoldMoney Inc. 2INTRODUCING PAYMENT OPTIONS EXECUTION Extend our Value Proposition to Customers by
  38. 38. GoldMoney Inc. Driving Ubiquity, Utility and Accessibility of Gold for Payments
  39. 39. GoldMoney Inc. Money Transfers – More than $600B of remittances money goes around the world. Average Transfer = $200 Average Cost to send = 7.6% Source: World Bank
  40. 40. GoldMoney Inc. Welcome to Money without Borders – Send Money using Gold Use Gold as a Payment Rail 1. Sender uses local currency from bank, credit or debit card to buy Gold 2. Gold stays in vault. Title is transferred from sender to receiver 3. Receiver Keeps Gold or converts to the currency you want for only 1%
  41. 41. GoldMoney Inc. Bringing it All Together
  42. 42. GoldMoney Inc. Strong Business Model ✓ Large market opportunity ✓ Transaction-based revenues ✓ Efficient customer acquisition ✓ High operating leverage ✓ Low capital requirements A Great Standalone Business ✓A large and growing opportunity in Gold Buying and Savings ✓Global Framework to address a Global market opportunity ✓A strong leadership position ✓Technology Competitive advantages in platform, pricing and global scale Rapid User and transaction growth Exponential transaction utility GoldMoney + BitGold = unparalleled operating system for Gold
  43. 43. GoldMoney Inc. The internet is transforming from an internet of communication to an internet of value, or “internet of money”. This transformation will have profound effects on the financial services industry by democratizing access to the global economy, potentially integrating up to 4 billion un-banked and under-banked over the next 25 years. This transformation provides opportunity for leadership in linking the growing market for digital-transactions to gold, a globally neutral asset uniquely positioned to secure digital values and empower individuals. Are You In?
  44. 44. GoldMoney Inc. 334 Adelaide St. West 3rd Floor Toronto, Ontario M5V 1R4 Canada Investors ir@bitgold.com 1-800-854-7418 ir.bitgold.com
  45. 45. GoldMoney Inc. To execute on our mission and grow a long term business sustainably, thus maximizing long-term shareholder value, we must always invest in our clients and the security and integrity of our network. The GoldMoney network and the shared business architecture through the platform is designed to follow 3 core principles: Putting client interest first • We seek a network-growth business model where we deliver more value to each customer than we expect to earn in return; where the long term return on investment in customers provides returns to all network stakeholders with increasing efficiency, productivity, and scaling transaction income growth Know our clients, protect from money laundering, protect clients & the network • The GoldMoney network is a closed network built with decentralized checks and balances and unlike bitcoin or other crypto currency networks, the closed ledger network of BitGold allows for KYC protections that help prevent money laundering, fraud, and consumer • The closed network approach allows GoldMoney to operate within regulatory requirements and integrate safely with partners in banking, dealing, payment networks and vault services Full-asset reserve services, minimize exogenous risk for all users of the network • We believe core savings and payments services can operate using gold and technology without the need for fractionally reserved deposits or securitized IOUS Common Values & Network Principles

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