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The Goldmoney Overview

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Goldmoney
Mission-Driven Leader in Online Precious
Metal Custody, Investment & Banking
Services
Goldmoney Inc. is a mission-driven financial service and
technology company traded under the symbol “XAU” on the
Toronto Stock Exchange (TSX) that operates the world’s
largest precious metals payment network. Goldmoney®
provides financial services as a trusted third-party,
combining the unique attributes of precious metals with
technology-driven innovation.
Our mission is to make physical gold and precious metals
accessible to everyone. We designed the Goldmoney
Holding to provide our clients with the lowest possible
prices for dealing and storage while delivering the
highest level of security and transparency.

Published in: Investor Relations
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The Goldmoney Overview

  1. 1. TheMostTrustedName inPreciousMetals
  2. 2. GoldmoneyHolding Safety&Transparency Goldmoneyvs.ETFs&Coins MetalTransfers BusinessTools PensionPlans&RetirementAccounts GoldmoneyKids DealingRates&StorageFees CardSelection Concierge Leadership GoldmoneyInsights TheGoldmoneyApp Branches InvestorRelations 4 6 12 14 16 18 20 22 24 26 34 36 40 42 44 TABLE OF CONTENTS
  3. 3. Our mission is to make physical gold and precious metals accessible to everyone. We designed the Goldmoney Holding to provide our clients with the lowest possible prices for dealing and storage while delivering the highest level of security and transparency. A Goldmoney Holding is an online account that allows you to securely invest in precious metals owned in your name at insured vaults across seven countries. A Goldmoney Holding is a custodial account with allocated, segregated, and physically redeemable bullion belonging to its owner. It’s more secure than traditional accounts at a bank or investment firm, and has lower risks and costs than owning precious metals ETFs. When it comes to physical precious metals, no other service offers more features and utility than the Goldmoney Holding. TheGoldmoney Holding 4
  4. 4. BUY, SELL, AND HOLD PHYSICAL GOLD, SILVER, PLATINUM, AND PALLADIUM BULLION ONLINE. FULLY-RESERVED ACCOUNTS WITH AUDITED (ONE-TO-ONE) METAL OWNERSHIP. YOUR METAL, YOUR MONEY. INSURED CUSTODY AND STORAGE AT MULTIPLE VAULTS AROUND THE WORLD. SPEND OR WITHDRAW CASH DIRECTLY FROM YOUR HOLDING WITH THE GOLDMONEY MASTERCARD® PREPAID CARD REDEEM BULLION BARS AND COINS AT VAULTS, GOLDMONEY BRANCHES, OR HAVE THEM SHIPPED TO YOUR HOME VIA SCHIFF GOLD. COMPREHENSIVE REPORTING, LOW COST DEALING AND STORAGE FEES, AND MULTIPLE FUNDING OPTIONS HOLD IN RESERVE OR EXCHANGE UP TO NINE CURRENCIES (USD, GBP, EUR, CAD, CHF, JPY NZD, HKD, AUD) WITHOUT PAYING FOREIGN EXCHANGE FEES. FREE METAL AND CURRENCY PAYMENTS TO OTHER GOLDMONEY HOLDINGS. RECURRING SAVINGS PLANS AND RETIREMENT ACCOUNTS. FREE METAL AND CURRENCY PAYMENTS TO OTHER GOLDMONEY HOLDINGS. TRUSTED CUSTOMER SERVICE – YOUR PERSONAL RELATIONSHIP MANAGER IS AVAILABLE VIA PHONE, EMAIL, AND SECURE MESSAGING DIRECTLY FROM YOUR HOLDING DASHBOARD. HOLDINGS CAN BE OWNED BY INDIVIDUALS, JOINT OWNERS, CORPORATIONS, AND TRUSTS. 5
  5. 5. OVERSIGHT Goldmoney is a mission-driven financial technology company that is publicly traded on the Toronto Stock Exchange (TSX:XAU). Goldmoney is the world’s largest regulated precious metals custodian, investment firm, and payment network. Goldmoney is regulated as a Money Services Business by the Jersey Financial Services Commission (JFSC) and has subsidiary service registrations with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), and the Financial Crimes Enforcement Network (FinCEN) in the U.S. COUNTERPART Y RISK PROTECTION A Goldmoney Holding operates like other financial services accounts, with the convenience of online trading and management; however, once a customer owns settled metal, they are not exposed to the counterparty risk that can arise from bank or broker insolvency, or from the management of a securitized asset. 100% METAL OWNERSHIP (FULLY-RESERVED) You are the absolute owner of your gold, silver, platinum, and palladium. When you purchase precious metals through your Goldmoney Holding, you hold and own the physical metal in your name. From a risk perspective, this is the next best thing to owning gold in your hand, but with the benefit of online access, trading, and the security of fortified vaulting. Goldmoney is not a “paper metal” product, which means that your metal ownership is not dependent upon the ability of, for example, an exchange traded fund (ETF), contract for difference (CFD), or commodity future to obtain and redeem metal for you when you want to sell it. Nearly all “paper metal” programs work on a fractional reserve basis, which means that if the majority of the program’s customers wanted to redeem their metal for cash at once, the program operator would not be able to meet its obligations. In other words, Safety&Transparency 6
  6. 6. “paper metal” products merely represent a promise to pay metal or cash equivalent. These products do not provide direct ownership of metal, and therefore expose you to counterparty risk as you are dependent upon the program issuer’s ability to meet its obligations. Contrary to the fractional reserve nature of “paper metal” programs, the quantity of allocated customer metal in a Goldmoney Holding is always equal to the quantity of metal stored in the vaults. This one-to-one ratio is always maintained and forms a critical part of Goldmoney’s governance model. Your precious metals are not recorded on Goldmoney’s balance sheet, which means that Goldmoney does not have any direct claim on the metals. We simply safeguard them on your behalf. Product Ownership Rights ProtectionAgainst CounterpartyRisk 100%Metal Precious Metals ETFs Unallocated Certificate Programs Pooling Accounts Account Issuer Certificate Issuer ETF Issuer Client Yes No No No Always ? ? ? SECURE AND INSURED STORAGE All precious metal held by Goldmoney clients is fully allocated. Clients also have the ability to register specific bars in their name for an additional layer of security. Neither Goldmoney nor the vault operation has any claim to clients’ bars. Clients’ precious metals are stored in secure, fully insured vaults in Canada, Hong Kong, Singapore, Switzerland, the U.K., the UAE and the U.S. All vaults are operated by leading professional private vault operators, including: Loomis International (Nasdaq OMX: LOOM), Brink’s (NYSE: BCO), G4S (LSE: GFS), Malca-Amit, and Rhenus Logistics. 7
  7. 7. Goldmoney is responsible for ensuring that the insurance coverage maintained by our vault providers is at least equivalent to the value of all the metals they hold on behalf of Goldmoney clients, and we transparently disclose these insurance certificates to clients within the Governance section of their Holding Dashboard. Regular and Independent Audits of Client Holdings At Goldmoney, we take extra steps to ensure that client holdings and metals are independently audited and externally tested. We ensure that your metals are safe through a combination of independent third party audits and our patented daily settlement technology. 1. As a publicly listed company, we file quarterly and annual financial statements and disclosures that are reviewed and audited by KPMG, a Big Four accounting firm. 2. We provide a Real-Time Audit of all customer metal and cash. 3. A detailed list of this ledger is also sent to our auditor (KPMG) through an encrypted connection on a regular basis. 4. We publish SAS 70 Type II reports annually, which are reviewed by our auditor to confirm that the amount of vaulted metal is equal to the metal held by our clients, thereby ensuring the one-to-one ratio and our clients’ ownership of the metal. These reports are available to Goldmoney clients within the Governance section of their verified Holding Dashboard. Our auditor also reviews and reports on other important areas such as governance practices, order processing, operational procedures, and IT security. We are pleased to note that there have been no exceptions reported by the auditor since we began SAS 70 reviews in 2006. METAL QUALIT Y AND TESTING We only sell precious metals of the highest quality that adhere to a strict chain of integrity. All precious metals held for customers by Goldmoney meet the London Good Delivery standard established by the London Bullion Market Association for gold and silver bars and the London Platinum and Palladium Market for platinum and palladium bars. By adhering to this rigorous and widely accepted standard, Goldmoney mitigates the risk that a bar of gold, silver, platinum or palladium does not contain the weight of metal it is said to contain. 8
  8. 8. Each bar is marked with the following stamps: Fineness Year of production Serial number Assay stamp of refiner Gold and silver bar specifications The precious metal Goldmoney purchases on your behalf when you buy gold and silver always meets the following criteria: GOLD BARS UK-US METRIC SYSTEM Weight Purity Dimensions 250 to 430 troy ounces >99.5% Length Width Height 10.9 to 13.4 kilograms >99.5% Length Width Height 9.8” ± 1.6” 2.8” ± 0.6” 1.4” ± 0.4” 250 mm ± 40 mm 70 mm ± 15 mm 35 mm ± 10 mm SILVER BARS UK-US METRIC SYSTEM Weight Purity Dimensions 750 to 1,100 troy ounces >99.9% Length Width Height 23 to 34 kilograms >99.9% Length Width Height 11.8” ± 2” 5.1” ± 0.8” 3.1” ± 0.8” 300 mm ± 50 mm 130 mm ± 20 mm 80 mm ± 20 mm The gold, silver, platinum, and palladium that Goldmoney acquires for you is produced by some of the most respected refineries in the world, including: Valcambi (Switzerland) Metalor Technologies SA (Switzerland) Argor-Heraeus SA (Switzerland) Johnson Matthey Limited (United Kingdom) 9
  9. 9. ULTRASOUND GOLD BAR TESTING In 2007, we pioneered the use of ultrasound bar testing to ensure our bars have the highest metal quality and are free of foreign materials and defects. The quality test is performed using an ultrasound scanning device, developed by General Electric Inspection Technologies (GE). The test is carried out directly within our vaults. It is the same technology used to assure personal safety in the medical and aviation industries. Once we have tested gold bars using our ultrasound scanning devices and are certain the bars adhere to our rigorous quality standards, they are approved for storage. ROBUST SECURIT Y When looking to store precious metals, you expect your storage partner to ensure that there are robust security measures in place. At Goldmoney, we have been setting industry standards for 16 years to ensure the safety of your metals by providing: High online security standards Independent third-party audits Secure and insured storage HIGH ONLINE SECURIT Y STANDARDS Online security is more important now than ever before. Goldmoney provides exceptional security when you buy gold, silver, platinum, and palladium, and manage your Holding. The protection of your assets is of the utmost importance to us, which is why we employ the most advanced technology available to keep your assets safe. MILITARY GRADE ENCRYPTION Goldmoney uses military grade encryption (RSA 4096 and AES 256) to secure your account and personal information. SMS TRANSFER CONFIRMATION Goldmoney addresses the issue of protecting client assets by enabling clients to link their mobile phones to their Holdings. This step allows clients to validate payments, gold bar delivery requests, and fund transfers going out of their Holding on their mobile phone before completing the authorisation of the transaction online. 10
  10. 10. Each time you request to make a metal payment to another Goldmoney client, request delivery of a gold bar, or transfer funds from your Holding to your bank account, you can receive an SMS to your mobile phone with a unique PIN code and a description of the transfer. Once you have reviewed the details of the transfer, you enter the unique PIN code on the Goldmoney website and complete the transfer. If you do not wish to use this additional security feature, PIN codes will be sent to your email address. Transfers will not be processed without correct PIN codes. BANK ACCOUNT LOCKING Your Holding will contain details of your bank account(s) so you can easily transfer proceeds from the sale of your precious metals. You can lock the bank accounts that are linked to your Holding so that no additional bank account details can be added. This adds another layer of protection, as even if someone manages to gain access to your Holding, they can only send funds to the bank accounts you previously assigned. DISABLE METAL PAYMENTS You can disable the payments feature in your Holding if you do not intend to transfer your metal to other Goldmoney clients. To manage the above settings, select Security Settings from your Holding’s Dashboard menu. For more information about security, see our Security FAQ. CLEAR PROCEDURE IN CASE OF BANKRUPTCY Standard Jersey bankruptcy procedures would be implemented in the unlikely event that Goldmoney were to go out of business. Should you hold an amount of metal that is equivalent to the standard gold, silver, platinum, and/or palladium bar weight in Goldmoney, you will be able to take delivery of those bars. Additionally, you can take physical delivery of your gold in 100 gram and 1 kilo bars. The remaining metal would be sold and the cash proceeds would be transferred to you. Please refer to clause 16 (Winding-up or bankruptcy of Goldmoney) of our Customer Agreement for further information. 11
  11. 11. GOLD VS. ETFS The benefits of a Goldmoney Holding extend beyond the qualitative aspects, and are vastly superior to Exchange-Traded Fund (ETF) holdings such as SPDR Gold Shares (NYSE:GLD) or the iShares Gold Trust (NYSE: IAU). GLD, the leading ETF, is designed so that its shares track the price of gold. For this service, GLD charges an annual management fee of approximately 0.4%, which is three times greater than the annual all-in storage fee paid by Goldmoney clients for the storage, bar testing, insurance, and audits of their gold as well as the full suite of features provided for free with a Goldmoney Holding. But this is only one reason to not own an ETF. There have been many recent examples of ETFs abruptly suspending redemptions or restricting shareholders from accessing or buying more of the underlying security. The below pyramid diagram displays the varying risks of metal ownership. While there is nothing that comes closer to owning gold in hand, allocated gold bullion – what Goldmoney Holdings provide – is the next best thing, while ETFs and unallocated bullion carry significantly more counterparty risk. For students of history and those who understand common law property rights, the decision to have physical metal owned under your name at a vault custodian rather than a complex web of securities with limited redemption rights should be obvious. That’s ultimately the difference between owning precious metals through Goldmoney vs. ETFs. Goldmoneyvs.ETFs&Coins 12
  12. 12. GOLD VS. BARS & COINS Owning gold in smaller physical units such as coins and small bars generally results in paying 7-10% above the price paid at Goldmoney. Dealers also tend to offer buybacks at a discount of about 2-3%. Prices can be reliably compared against the published spot price. Although storing coins and small bars at home is free, it isn’t advisable and any sizeable amount would require insurance. Generally, insurance for homeowners on gold amounts to 1-2% a year of its value. As a Goldmoney client, you benefit from our access to wholesale insurance prices (as little as 0.12% for gold), which we include in our storage fees. For those who are not concerned with the higher fees, Goldmoney offers clients the ability to redeem their metal value into coins and bars through our subsidiary Schiff Gold, a joint venture between Goldmoney Inc. and legendary gold investor Peter Schiff. When you are ready to convert your precious metals balance into coins or bars, simply follow the process from your Goldmoney Holding. Schiff Gold representatives can call or email you to help guide you through the selection and delivery of coins and bars. If you have old bars or coins you wish to sell, Schiff Gold can also arrange to buy your existing coins and bars and fund your Goldmoney Holding with the proceeds of your sale(s). Call a Schiff Gold representative today at 1.800.404.4040 or visit www.SchiffGold.com. 13
  13. 13. Metal Payments 14
  14. 14. SET AUTOMATIC (RECURRING) TRANSFERS At Goldmoney, we believe transferring value should be easy, instant, and secure, which is why we developed a new way to transfer value by using gold as a payment rail within our closed-loop network. Never worry about missing a transfer to a loved one located on the other side of the world, a child away at university, or employees. Goldmoney helps you remove friction and set recurring transfers with seamless tools and features.* SET AUTOMATIC REDEMPTIONS & REMOVE METAL PRICE RISK Automatic redemptions protect you from varying price changes by instantly redeeming metal to your desired currency. Once you have determined your settings, redemptions will automatically be made to your linked bank account or Goldmoney Mastercard Prepaid card in the currency of your choice.** INSTANT METAL TRANSFERS Instantly transfer gold and other precious metal value to anyone without charge via their Holding number. Recipients can accept and retain the gold balance for free or choose to sell their metal for one of nine currencies in their Holding, redeem the value to their linked bank account, load a Goldmoney Mastercard® Prepaid card to spend in local currency for a small redemption fee, or take physical delivery. * Please note that residents of the U.S. state of Vermont and several other countries are currently unable to send or receive gold transfers. ** Automatic redemptions to Goldmoney Mastercard Prepaid cards from the Dubai vault are not available at this time. 15
  15. 15. Business Tools 16
  16. 16. BUSINESS PAYROLL – PAY MULTIPLE PAYEES Paper cheques and international bank wires slow down your cash flow and delay settlement. Time is money. Save both by automating free payments in different currencies and send to thousands of recipients at once. Remove global payment barriers and avoid cross-border fees by using gold for employee payroll and dividends, customer rebates and rewards, and partner and affiliate payouts. BUSINESS INVOICING Provide customers with a better global payment option while protecting your business from currency conversions and volatility. Your customers can pay invoices with a credit/debit card or directly from their bank account, and you receive payment in the equivalent vaulted gold value. Whether you’re invoicing for your time and services or selling goods to a customer, our tools allow you to receive all types of payments, and easily add the inventory of goods you sell and/or services you provide for repeat use and speedy invoice creation. No cross-border, foreign exchange, set up, or monthly fees or minimums. Straightforward global pricing, no matter where your customers are located. You only pay 1% to process a payment, regardless of how your customer pays. Redeem your gold balance to your bank account or Goldmoney Mastercard® Prepaid card as needed for a small redemption fee, or take physical delivery. 17
  17. 17. Everyone aims to accumulate enough wealth during their life to enjoy their retirement in comfort. This is becoming increasingly difficult, as national currencies like the U.S. dollar and British pound are steadily being debased, making them unreliable stores of value. As a result, people around the world, like you, are having a hard time saving for the future. Accumulating precious metals can help you preserve your future wealth and purchasing power. We have developed bespoke pension products with our partners in the U.K. and the U.S. that are based on the long-term protection offered by gold and silver. PensionPlans& RetirementAccounts 18
  18. 18. UK CITIZEN US CITIZEN JERSEY CITIZEN WHAT PENSION PRODUCT IS GOLD AVAIL ABLE IN? WHO ARE THE MAIN PROVIDERS GOLDMONEY PARTNERS WITH? Self-Invested Personal Pension (SIPP) Individual Retirement Accounts (IRAs) SIPPS (RACS) RATS STANDARD LIFE, U.K. VANTAGE T: +1 (877)545 0544 Our partnership with the Entrust Group helps our U.S. resident clients to: Invest in precious metals as part of your IRAs. Preserve your purchasing power with a diversified pension investment portfolio. T: 01534 706515 FAIRWAY PENSIONS T: 01534 706515 ENTRUST For pension advice and discounted rates, please contact your IFA or reach out to: HAVE QUESTIONS? CONTACT OUR REL ATIONSHIP MANAGEMENT TEAM FOR GUIDANCE. 19
  19. 19. One of the best ways for children to learn basic money management is experiencing it themselves. Share the experience of watching their savings grow over time and help them manage their birthday or allowance money. Teach value and evolving budgets with the flexible Goldmoney Kids account. No monthly fees, no minimum balance requirements, and a Goldmoney Mastercard Prepaid Card for independent, smart purchases. Goldmoney Kids 20
  20. 20. The Goldmoney Kids account is a safe, simple, and convenient place for children of all ages to learn about true savings. Easily share the true value in earning and preserving money with your children. Whether it begins with a plan to put away a percentage of their birthday money or allowance from chores to save for that new toy, or a more long-term plan such as saving for education, each step offers a great teachable moment. Banking for our children will be vastly different from any previous generation. It is likely that they will never know what ‘Bankers Hours’ or even ‘Tellers’ are. What we can ensure is that they understand value and preserving purchasing power through education and experience. 21
  21. 21. We’re committed to transparency and always want our clients to know exactly what they are paying when they buy precious metals from us. Our transparent and competitive pricing is one of several reasons clients located in more than 150 countries choose Goldmoney. As a client of one of the world’s oldest and largest precious metal investing services, you benefit from the daily liquidity provided by our clients, which results in the most competitive prices for allocated gold, silver, platinum, and palladium. DealingRates&StorageFees 22
  22. 22. STORAGE FEES Gold Silver Platinum & Palladium 0.12% - 0.18% per annum 0.39% - 0.49% per annum 0.49% per annum DEALING RATES Buy & Sell Exchange 0.5% per transaction 0.75% per transaction MONTHLY STORAGE CREDITS Goldmoney rewards clients with credits to apply against storage fees. We calculate your total buying, selling, and metal exchange activity each month, and apply the total commission you paid against your monthly storage fee. This means that you only pay storage fees during months you are less active. For example: An account with a gold balance of $25,000 would only need to make $500 worth of gold transactions per month to avoid paying a storage fee. An account with a silver balance of $25,000 would only need to make $2,500 worth of silver transactions per month to avoid paying a storage fee. 23
  23. 23. Our Goldmoney Mastercard® Prepaid card can be requested in either metal or plastic, and is available exclusively to Goldmoney clients. Minted from 18K gold or silver, our metal cards are meticulously hand crafted in Switzerland by distinguished artisans who use proprietary techniques that maximize the metal content. Card Selection 24
  24. 24. GOLDMONEY PL ASTIC MASTERCARD® PREPAID CARD GOLDMONEY SILVER MASTERCARD® PREPAID CARD GOLDMONEY 18K GOLD MASTERCARD® PREPAID CARD Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. The Card is issued by Wirecard Card Solutions Ltd (“WDCS”) pursuant to licence by Mastercard International Inc. WDCS is authorized by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051). 25
  25. 25. Goldmoney Concierge provides expert support personalized to each client’s unique preferences. The concierge team is comprised of highly-skilled and knowledgeable specialists immersed in the world of hospitality and travel, who take care of our clients’ needs wherever they may find themselves in the world. Complimentaryluxurymembershipservice offered exclusively to Goldmoney clients with a Full Holding. Goldmoney Concierge 26
  26. 26. On-demand consultation and arrangements Dining and nightlife experiences Health and wellness programs Gifting and special occasion services Bespoke experiences and events Corporate events Entertainment Day-to-day services Superior event management 27
  27. 27. James began his career at The Chase Manhattan Bank (now JP Morgan Chase Bank) where he worked on assignments in Thailand, the Philippines, and Hong Kong. He subsequently was Manager of the Commodity Department of the Abu Dhabi Investment Authority and held various advisory roles in money management. James is the author of several monographs and numerous articles on money and banking, and co-author of “The Coming Collapse of the Dollar” (2004), “The Collapse of the Dollar” (2008) and “The Money Bubble: What To Do Before It Pops” (2014). He founded Goldmoney in 2001 with his son, Geoffrey, and remains an active advisor to Goldmoney by serving as Lead Director of the board. FOUNDER - LEAD DIRECTOR JamesTurk Governance 28
  28. 28. Roy Sebag is the Chief Executive Officer of Goldmoney Inc. following the merger of Goldmoney with BitGold, an online financial platform providing free global payments and secure savings in physical redeemable gold bullion. Mr. Sebag founded BitGold in 2014 along with Joshua Crumb. He also serves as the Managing Principal of Braavos Capital, an international private investment organization engaged in value-oriented investments across a variety of asset classes and industries. Mr. Sebag previously served as founder and portfolio manager of Essentia Equity Ltd. an investment partnership founded in 2004 that engaged in fundamental long and short equity investing in distressed, event-driven, and natural resource related opportunities. At Essentia, Mr. Sebag developed a successful track record analyzing and investing in highly charged binary events including bankruptcies, reorganizations, and geopolitical uncertainties. From 2004-2010 Essentia Equity delivered superior risk- adjusted returns and was quoted in financial media publications including: Barrons, Bloomberg, Globes, The Marker, and Sum Zero. In 2012 Roy Sebag established the Braavos Foundation which makes philanthropic investments supporting exceptional organizations that tackle important social issues. Braavos Foundation has supported organizations including: Gordon Parks Foundation, Global Witness, Seeds of Africa Fund, Pencils of Promise, Foundational Questions Institute, and others. DIRECTOR - CHIEF EXECUTIVE OFFICER RoySebag 29
  29. 29. Josh is a founder of Goldmoney Inc. and currently serves as Chief Strategy Officer, CFO, and Director of the Board. Josh previously worked as an economist at Goldman Sachs, where he was the Senior Metals Strategist in the Global Economics, Commodities and Strategy Research Division in London. He also served as Director of Corporate Development at the Lundin Group of Companies. Josh holds a M.Sc. in Mineral Economics, a Graduate Certificate in International Political Economy, and a B.Sc., Engineering from the Colorado School of Mines. DIRECTOR - CHIEF STRATEGY OFFICER, CFO JoshCrumb 30
  30. 30. Prior to joining Serengeti, Ms. Biddle spent nearly 10 years at Goldman Sachs, where she was most recently Global Head of Commodity Sales and the CFO of the firm’s investments in the metals and mining sector. Prior, she held positions as head of Power, Metals/Industrial, Latin American and Environmental Commodities. Ms. Biddle was responsible for many of the structured transactions in the private equity and power spaces including the monetization of the Allegheny DWR Contract, the structuring of Calpine Construction Finance Company hedge, the Texas Genco acquisition, Northern Tier Energy financing and the TXU leveraged buyout. Ms. Biddle was also a member of the firm’s Finance Committee, Business Practices Committee, Firmwide New Activity Committee, Structured Investment Products Committee, and European Audit and Compliance Committee. She was named Managing Director in 2004 and Partner in 2006. Prior to joining Goldman Sachs, Ms. Biddle was a Vice President at the AES Corporation focusing on project finance and power plant development. She also served as a Vice President at the Overseas Investment Corporation, providing political risk insurance and financing to US companies expanding overseas. She holds an A.B. from Colby College where she is a member of the Board of Trustees. She is also a member of the Board of Directors of the Empire State Realty Trust (NYSE). DIRECTOR LeslieD.Biddle 31
  31. 31. DIRECTOR - CHAIRMAN OF AUDIT COMITTEE MahendraNaik Mr. Naik is a Chartered Accountant with mining and investment industry experience. He holds a Bachelor of Commerce degree from the University of Toronto and practiced as a Chartered Accountant for nine years with a major Canadian accounting firm. As a Chartered Accountant, Mr. Naik has experience in preparing, auditing, analyzing, and evaluating financial statements. He has a deep understanding internal controls and procedures for financial reporting and understands the accounting principles used by the Company to prepare its financial statements, and the implications of said accounting principles on the Company’s results. From 1990 to 1999, he was the Chief Financial Officer of IAMGOLD. He is also the Audit Committee Chairman for a TSX-listed base-metals company and a Director of several private companies. 32
  32. 32. DIRECTOR StefanWieler Stefan has spent more than 10 years at some of the world’s top financial institutions, including a role as an Executive Director and Sr. Commodity Strategist at Goldman Sachs, Head of Research for New York-based commodities hedge fund BBL Commodities, which made a 51.3% return in 2014 and was winner of the “New Fund of the Year” at the Absolute Return Awards, and as the head of commodity research (buy side) at Julius Baer in Zurich. Stefan studied Mandarin Chinese at the National Taiwan Normal University in Taipei and earned an honours Masters degree in Financial Economics at the University of Zurich. Stefan is a CFA (Chartered Financial Analyst) charterholder and a Chartered Alternative Investment Analyst charterholder. He is an active member of the Board of Goldmoney Inc. 33
  33. 33. Katy Millington is the Group General Counsel and executive director of the Jersey companies. She holds a Bachelor of Laws (with honours) and a Bachelor of Arts from the University of Auckland. Before joining the group, Katy worked as a commercial litigator and regulatory lawyer with leading international law firms across multiple jurisdictions, including New Zealand, Cook Islands, United Kingdom, and Jersey, advising on a variety of issues including companies and securities matters, the UK Bribery Act and US Foreign Corrupt Practices Act, economic sanctions, and worldwide freezing orders. The group benefits from Katy’s considerable international multi- jurisdictional experience when servicing clients and meeting regulatory requirements on a global scale. GROUP GENERAL COUNSEL & DIRECTOR KatyMillington 34
  34. 34. HEAD OF RESEARCH AlasdairMacleod Alasdair has been a celebrated stockbroker and Member of the London Stock Exchange for more than four decades. His experience encompasses equity and bond markets, fund management, corporate finance and investment strategy. In 2002, Alasdair became an executive director of Ansbacher (CI) Ltd., a bank based in Guernsey and Jersey that is responsible for investment management and administration. 35
  35. 35. John has served as a managing director for bulge-bracket investment banks on both sides of the Atlantic in research, strategy, asset allocation and product development roles, at Deutsche Bank and Lehman Brothers. He has advised some of the world’s largest institutional and private investors in matters ranging from wealth preservation to enhancing returns through a wide variety of innovative strategies and he has been a #1 ranked investment strategist by Institutional Investor magazine. John also authored “The Golden Revolution”, which explains the causes and effects of the global financial crisis in 2008 and explores the financial market implications of global monetary regime change. His new book, “The Golden Revolution, Revisited”, includes recent developments in international economic and monetary affairs, and contains a new section on the monetary sources of inequality and new chapters on fintech that address cryptocurrencies and digital gold. V.P. HEAD OF WEALTH SERVICES JohnButler 36
  36. 36. TORONTO TEAM JERSEY TEAM NEW YORK TEAM Team 37
  37. 37. Goldmoney Insights® is a proprietary research portal that provides objective and unbiased insights into prevailing market conditions and global macro trends affecting the world, markets, and culture. The Goldmoney Insights team is comprised of experts in business, finance, commodities. The team is led by Stefan Wieler, Josh Crumb, Alasdair Macleod, and John Butler, and also features pieces from various guest authors, including James Turk, Roy Sebag, and more. GoldmoneyInsights 38
  38. 38. The Goldmoney Content Library is an extensive knowledge base resource for intuitive tools, academic white papers, relevant books and reading lists, report archives, and videos categorized by topic from philosophy and anthropology to physics and psychology. Goldmoney Content Library 39
  39. 39. The Power of Goldmoney in the Palm of Your Hand The Goldmoney™ App for iOS and Android provides access to the entire range of platform features, making it easy to manage your Goldmoney Holding while on-the-go. TheGoldmoney App 40
  40. 40. GOLDMONEY APP FEATURES Goldmoney Holding access and management. Goldmoney Mastercard Prepaid card request and activation. Secure 100%-reserved and allocated precious metals deposits (gold, silver, platinum, and palladium) in choice of vaults. Precious metal buy, sell, and exchange. Client contact with personal Relationship Manager. 41
  41. 41. Goldmoney offers enhanced and personalized client service. Upon opening a holding, you are assigned a personal Relationship Manager who can be reached via phone, live chat, email, and secure message directly from your Holding. We also operate an expanding network of physical branch locations that offer customer service to Goldmoney clients and other valuable features. Branches 42
  42. 42. GOLDMONEY ST. HELIER GOLDMONEY TORONTO GOLDMONEY NEW YORK 43
  43. 43. Mission-Driven Leader in Online Precious Metal Custody, Investment & Banking Services Goldmoney Inc. is a mission-driven financial service and technology company traded under the symbol “XAU” on the Toronto Stock Exchange (TSX) that operates the world’s largest precious metals payment network. Goldmoney® provides financial services as a trusted third-party, combining the unique attributes of precious metals with technology-driven innovation. Investor Relations 44
  44. 44. PRIMARY EXCHANGE XAU SECONDARY LISTINGS XAUMF 9BT 45
  45. 45. JointheglobalGoldmoneycommunity 46
  46. 46. T O L E A R N M O R E A B O U T G O L D M O N E Y Visit Goldmoney.com, contact us via Goldmoney.com/support, or visit us in person at 38 Avenue Road in Toronto, Canada. 47

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