Goldmoney provides a secure platform for investing in physical precious metals like gold, silver, platinum, and palladium through online holdings that assure full metal ownership and low storage costs. It offers features such as insured vaulting, competitive fees compared to ETFs, comprehensive reporting, and personal relationship management, all while ensuring high levels of security and transparency. The company's mission is to make precious metals accessible to everyone, equipped with rigorous governance and quality assurance processes.

1. TheMostTrustedName
inPreciousMetals

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Safety&Transparency
Goldmoneyvs.ETFs&Coins
MetalTransfers
BusinessTools
PensionPlans&RetirementAccounts
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DealingRates&StorageFees
CardSelection
Concierge
Leadership
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TheGoldmoneyApp
Branches
InvestorRelations
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TABLE OF CONTENTS

4. 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

5. 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

6. 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

7. “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

8. 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

9. 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

10. 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

11. 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

12. 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

13. 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

14. Metal
Payments
14

15. 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

16. Business
Tools
16

17. 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

18. 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

19. 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

20. 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

21. 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

22. 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

23. 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

24. 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

25. 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

26. 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

27. 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

28. 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

29. 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

30. 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

31. 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

32. 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

33. 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

34. 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

35. 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

36. 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

37. TORONTO TEAM
JERSEY TEAM
NEW YORK TEAM
Team
37

38. 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

39. 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

40. 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

41. 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

42. 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

43. GOLDMONEY ST. HELIER
GOLDMONEY TORONTO
GOLDMONEY NEW YORK
43

44. 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

45. PRIMARY EXCHANGE
XAU
SECONDARY LISTINGS
XAUMF
9BT
45

46. JointheglobalGoldmoneycommunity
46

47. 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.
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