goldmoney inc. annual general meeting presentation 2016

Goldmoney Inc.

Annual General MeetingS E P T E M B E R 2 9 , 2 0 1 6

@Goldmoney

These Slides contain certain “forward-looking information”

within the meaning of applicable Canadian securities laws that

are based on expectations, estimates and projections as at the

date of these Slides. The information in these Slides about the

future plans and objectives of the Company are forward-

looking information. Other forward-looking information includes but is not limited to information concerning the

intentions, plans and future actions of the Company. Any

statements that involve discussions with respect to predictions,

expectations, beliefs, plans, projections, objectives,

assumptions, future events or performance (often but not

always using phrases such as “expects”, or “does not expect”,

“is expected”, “anticipates” or “does not anticipate”, “plans”,

“budget”, “scheduled”, “forecasts”, “estimates”, “believes” or

“intends” or variations of such words and phrases or stating

that certain actions, events or results “may” or “could”,

“would”, “might” or “will” be taken to occur or be achieved) are

not statements of historical fact and may be forward-looking

information and are intended to identify forward-looking

information.

This forward-looking information is based on reasonable

assumptions and estimates of management of the Company at

the time it was made, and involves known and unknown risks,

uncertainties and other factors which may cause the actual

results, performance or achievements of the Company to be

materially different from any future results, performance or

achievements expressed or implied by such forward-looking

information. Such factors include, among others: the

Corporation’s limited operating history; future capital needs

and uncertainty of additional financing; the competitive nature

of the industry; currency exchange risks; the need for the Corporation to manage its planned growth and expansion; the

effects of product development and need for continued

technology change; protection of proprietary rights; the effect

of government regulation and compliance on the Corporation

and the industry; network security risks; the ability of the

Corporation to maintain properly working systems; theft and

risk of physical harm to personnel; reliance on key personnel;

global economic and financial market deterioration impeding

access to capital or increasing the cost of capital; global

economic climate; dilution; and volatile securities markets

impacting security pricing unrelated to operating performance.

Although the Company has attempted to identify important

factors that could cause actual results to differ materially,

there may be other factors that cause results not to be as

anticipated, estimated or intended. There can be no assurance

that such statements will prove to be accurate as actual results

and future events could differ materially from those

anticipated in such statements. Accordingly, readers should not

place undue reliance on forward-looking information. The

Company undertakes no obligation to revise or update any

forward-looking information other than as required by law.

No stock exchange, securities commission or other regulatory

authority has approved or disapproved the information

contained herein. The Slides and the accompanying verbal

presentation are confidential and are being supplied to you solely for your information and may not be reproduced or

distributed to any other person or published, in whole or in

part, for any other purpose.

Important NoticeThese presentation slides (the “Slides”) do not comprise a

prospectus or other form of offering document relating to

Goldmoney Inc. (the “Company”), and do not constitute an

offer or invitation to purchase or subscribe for any securities of

the Company or any other company and should not be relied on

in connection with a decision to purchase or subscribe for any

such securities. The Slides and the accompanying verbal

presentation do not constitute a recommendation regarding

any decision to sell or purchase securities of the Company or

any other company. Your attention is drawn to the risk factors

set out below.

Caution Regarding Forward-Looking Information

Executive SummaryIn its first 18 months, Goldmoney has worked to effectively build and commercialize the Goldmoney technology stack to democratize and enable widespread access to gold savings and payments:

• Goldmoney is on track to achieve its business KPIs

• Goldmoney has successfully delivered on its corporate priorities

The continuation of economic and currency volatility is an opportunity for Goldmoney:• World economic and currency conditions remain uncertain

• The financial services sector is facing disruption and significant public criticism

• Given this context, we are taking an aggressive posture as we enter 2017 to accelerate the network effect for Goldmoney

• Six corporate priorities have been identified

The combination of our current business momentum, strong capitalization, and going into further negative macro economic conditions, give us strong confidence to accelerate on our vision…

The world’s gold savings and payments network

Making money work better for everyone

1

Business Performance to Date2

Macro Outlook & Opportunity for Goldmoney3

Agenda

Strategic Priorities for 20174

The Vision for a Personal Gold Standard

Top ExecutivesThe Goldmoney teams builds on decades of experience in financial services, investment management, e-commerce & payments, software engineering,

UX/UI design, cryptography, digital security, compliance, commodity market trading, and macroeconomics.

FOUNDER & CHIEF STRATEGY OFFICER

Josh Crumb

Former Sr. Metals Strategist,Goldman Sachs

CHIEF TECHNOLOGY OFFICER

Alessandro Premoli

Decade+ experience in encryption, cryptography & digital signatures

FOUNDER & CEO OF GOLDMONEY INC.

Roy Sebag

Former Portfolio Manager Long/Short Equity, Essentia Equity

CEO, GOLDMONEY NETWORK

Darrell MacMullin

Former Head of PayPal Canada, eBay,

Fintech advisor

CHIEF FINANCIAL OFFICER

Katie Sokalsky

Former auditor, PwCFinancial services expertise

Goldmoney Inc. Board of Directors

LEAD DIRECTOR FOUNDER

James Turk

DIRECTOR

Hector Fleming

DIRECTORCHAIRMAN OF AUDIT COMMITTEE

Mahendra Naik

DIRECTOR

Leslie D. Biddle

DIRECTORCHIEF STRATEGY OFFICER

Josh Crumb

DIRECTORCHIEF EXECUTIVE OFFICER

Roy Sebag

What is Goldmoney?• World’s largest 100% reserved gold savings and payments network• Democratizes access to gold savings and instant gold transfers (anyone can earn gold for their productivity)• Helps underbanked and underserved citizens protect their purchasing power• Building global client relationships by unlocking network utility of a global money base

Goldmoney provides secure and accessible gold-based savings, payments, and wealth services through three distinct account offerings.

“Gold (Au) has been a commodity money for 6,000 years due to its natural properties.

Gold’s Natural Monetary Properties

Everything we touch, feel, breathe, or burn is either an element or compounds and molecules made-up of elements. When an element or compound becomes consistently desired, it becomes also known as a “commodity”.

Over the course of recorded history (6,000 years), humanity’s greatest minds from Aristotle to Newton have discovered, studied, and classified 92 unique elements that naturally occur on our planet.

The first natural element likely discovered was copper with the last being Francium in 1939. Each of the 92 has different physical properties, relative scarcity in the earth, and varying lifecycles. Some are finite, others renewable. Some decay rapidly, others are toxic to humans.

The relative abundance of the 92 natural elements to each other on our planet is well understood. Unfortunately, disciplines beyond geology and physics are not well acquainted with this obvious fact governing our natural systems.

We know for example that no matter what continent, the average amount of copper in 1 tonne of copper containing ore is always 3,000 greater than that of gold. We know that the average crop yield per acre for Corn is 2.6x that of Wheat.

On average and over long periods of time, these relationships are immutably bound by nature and revert back to the natural mean. Think of Nature as a system enforcing the same rules no matter what time period we occupy.

These are the basic physics underlying our natural systems. Now let us move into economics…

Au79

By Roy Sebag and Joshua D. Crumb

GOLD (AU) EVOLVED INTO “MONEY” DUE TO PHYSICS, NOT ECONOMICS

To understand gold, we must first reacquaint ourselves with natural systems, the elements, and basic natural law (physics) underlying all real economic activity.

It follows then that in the real economy, everything built, manufactured, or invented irrespective of industry relies on a chain of causes and effects. Where does this chain begin?

With the extraction, transportation, storage, and distribution of elements. More specifically, agriculture and natural resource extraction. This is the point at which price subjectivity is not yet present, rather man and nature working to produce the first surplus. A surplus which isn’t discretionary but rather existentially demanded by the state of the real economy.

When distilling each of these distinct activities, we find a common thread: Harnessing, manipulating, or working with the elements always requires an input of energy, labour, time, and information. We call these “input units”.

In most cases, energy represents the majority of that input value (up to 70%). What we are really doing as participants in an economy is harnessing and exchanging surpluses and deficiencies of energy (which cannot be stored) through time. The term energy, here doesn’t denote a specific source of energy (oil or solar) but rather the concept of energy as a surplus which can fuel work.

With this knowledge we can quantify the long-run value of any good in the real economy through two steps: First, we break down the elemental constituents and calculate their respective cost in input units (primarily energy).

Second, we account for the “subjective” or “informational” value beyond that elemental cost. Predictably, empirical price history shows that over time, the subjective or informational value component of a good trend to zero.

In the real economy, these calculations recalibrate every day irrespective of the political, monetary, or labour system employed.

Gold’s Natural Monetary Properties

Our human ancestors recognized these natural relationships and the friction inherent in exchanging a specific desired good or service for another specific desired good or service (barter). They began to experiment with intermediate commodities that could bridge this quickly decaying energy surplus which they recognized was the true recurring cost of any good or service in the economy.

As the state of the real economy prospered, such a commodity would become increasingly desired as a “commodity money”. Interestingly, history shows this was a process of trial and error, with millions of experiments over thousands of years with virtually everything.

Of the 92 natural elements, there is only one that could have evolved as an intermediate “commodity money” representing an equivalent energy surplus, or energy proof of value to any good or service. This natural element would need to be rarer than anything else in nature, but also be time superior to everything else by lasting longer given that energy itself could not be stored.

This combination of relative rarity in nature coupled with immortality resulted in the natural evolution of gold as money.

Gold is the rarest of mined elements on any meaningful scale. Gold has another equally important feature: immortality. It doesn’t tarnish, rot, evaporate, or decay. Unlike an energy surplus or quickly decaying commodities, gold doesn’t have a lifecycle and for reasons unbeknownst to us, resists entropy.

Total gold stock ownership reflects billions of past exchanges enforcing the natural relationship over time.

Au79

GOLD (AU) EVOLVED INTO “MONEY” DUE TO PHYSICS, NOT ECONOMICS

Gold’s natural properties made it the perfect intermediate commodity (money) to bridge decaying energy.

Gold’s rarity means its extraction absorbs more input units per mass than any other element or compound. Gold’s immortality means it lasts while everything else (including the input units) diminishes over time. Therefore gold is always time superior to input units in any transaction within the real-economy.

Because gold lasts forever, all the gold ever extracted grows in size over time as an increasing physical inventory (stock). Conversely, input units representing the feedstock of the real-economy diminish and have no equivalent stock or inventory to draw upon. They must always be reproduced or reconfigured in the future.

Billions of people from varying geographies and cultures make up the ownership of this gold stock having acquired their own personal slice in exchange for their own diminishing input units.

Every day, they can decide to convert their gold back into diminishing input units, or convert the value of their newly earned surplus into gold affecting that same gold stock. Each acquires or converts their personal surplus through varying levels of productivity, skills, time, and effort.

But as the arrow of time is stretched and entropy in the system increases, there is an implicit reversion back the natural mean (that natural elemental ratio we discussed). Bringing back to economic terms, this is why everything priced in gold is remarkably stable over the long-run irrespective of what external measurement system is introduced (whether that external system is fiat money, bitcoin, or jelly beans).

It follows that gold is simply natural money. Borne out of natural law (physics) rather than economic or human decree. Gold’s natural monetary properties allow it to better distribute price signals and an energy surplus in the real economy leading to a more equitable human system.

Whether embraced by the majority or minority, gold works always and everywhere.

Gold is a Good Store of Value – The Proof is in the Math

11

The cost of life in US Dollars over time

G O LD P RO TECTS P URCH A S ING P O WER O VER TH E LO NG RUN

0.11

857

0.26

0.15

0.07

739

0.27

0.13

The cost of life in Gold over time (grams)

1985 2015 1985 2015

Food

Fuel

Transportation

Entertainment

$1.16

$9,000

$2.75

$1.60 $4.79

$27,825

$2.51

$10.25

“Devoid of modern savings and settlement innovation, physical gold hasn’t been easy or practical for the average person to access. Until Now…

Goldmoney Inc.

Using technology to make gold easily accessible through a modern global network,

making it the best way to save, spend, or earn in gold, anywhere in the world.

T H E W O R L D ’ S G O L D S AV I N G S & PAY M E N T S N E T W O R K

Gold Ownership Made Easyü Securing Users’ Purchasing Powerü Providing Reliable Savings Toolsü Innovating How Global Payments Work

Gold Ownership Made Easy

F E AT U R E S

◆ 100% allocated gold savings (nine vaults)◆ Easily build a savings plan (drip/recurring savings)◆ Send, request, shop, and donate globally with Gold

◆ No minimums or monthly fees◆ Free storage & insurance◆ Free Goldmoney third-party issued prepaid Mastercard◆ As low as 1% purchase / redemption fee◆ Goldmoney fraud & purchase protection ◆ Goldmoney mobile

◆ Goldmoney community & online support

W H Y C O N S U M E R S L O V E G O L D M O N E Y

Simplicity Security Flexibility

+ One account that lets you save in gold, transfer gold to friends and family, shop online and in stores globally.

Save. In Gold.Goldmoney lets you save in gold,

protecting your purchasing power.

Spend. In Gold.Spend your gold balance for local or cross border shopping or travelling abroad without expensive foreign

exchange fees.

Transfer. In Gold.Global P2P transfers simplified.

Buy gold from any currency for 1%. Transfer gold. Receiver can sell gold

to their local currency for 1%.

F E AT U R E S

◆ Accept ecommerce, donation & subscription payments ◆ Powerful invoicing platform◆ Global payouts & payroll tool

◆ Process global payments from any currency for 1%◆ Store gold balance or redeem to your currency for 1%◆ Customer & inventory management◆ Automatic settlement to your bank◆ Goldmoney community & online support

W H Y M E R C H A N T S L O V E G O L D M O N E Y

Global Reach Cost-Effective New Sales

+ Global processing made easy using gold. One account to pay employees and get paid by global customers and suppliers.

Pay

G O L D PAY R O L L S O L U T I O N S

Give employees the option to

receive any % of their wage in gold.

Earn. In Gold.Invoicing, Payroll & Payout Solutions

D I V I D E N D PAY O U T S I N G O L D

Give shareholders the option to

receive dividend payouts in gold.

G O L D I N V O I C I N G

Invoice vendors and customers in any

currency. Receive payment in gold.

◆ Hold up to nine currency balances◆ Purchase all four precious metals: gold,

silver, platinum & palladium

◆ Insured custody & storage at multiple global vault operations

◆ Comprehensive reporting & research ◆ Access to exclusive events ◆ Personal relationship manager◆ Dedicated phone and online support

◆ Exclusive 18K gold third-party issued Mastercard prepaid card

T R U S T E D P R I VAT E W E A LT H M A N A G E M E N T

Fully Reserved Your Metal Your Money

+ Safeguarding Your Wealth.Protecting Your Legacy.

F E AT U R E S

1



Agenda



Strong Performance Against Revenue Targets

21

Revenue, fee revenue & gross profit growing significantly quarter-over-quarter ($CAD), driven by user, purchase, and transaction growth.

$2.9

$66.5

$81.3

$109.2 $113.1

0

30

60

90

120

Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017

Mill

ions

Revenue

$0.01

$1.05$1.15

$1.90

$2.80

0

0.5

1

1.5

2

2.5

3

Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017

Gross ProfitAs at June 30, 2016:

Working capital of $57.4M (cash + precious metals inventory +

ST investments)

to satisfy $715.7K of liabilities

Net liquid assets of $59.9M(i.e. excl. goodwill, intangibles, and

PP&E)

Key Corporate Priorities: Our First 18 Months

1. Growth of Goldmoney Network (BitGold) via aggressive acquisition & global service trials.

2. Modernization of the Goldmoney Wealth business.

3. Boosting customer activity with new platform capabilities (card, transfers, payments).

4. Attaining operational & financial excellence in a scaling operation.

5. Assessing future product growth in savings, credit & distributed payments.

The Network Effect is Forming…

M O R E T H A N 1 . 2 M G L O B A L A C C O U N T S I G N U P S … . F R O M M O R E T H A N 1 5 0 C O U N T R I E S …W H O C O N T I N U A L LY I N C R E A S E T H E I R N U M B E R O F T R A N S A C T I O N S

*Deposits & Transactions as reported Goldmoney Network

200,000

400,000

600,000

800,000

1,000,000

1,200,000

1,400,000

May

June July

August

Septem

ber

Octob

er

Novem

ber

Decembe

r

Janu

ary

Februa

ry

March

April

May

June July

August

User Growth: Account signups

0

0.5

1

1.5

2

2.5

3

3.5

4

4.5

May

June July

August

Septem

ber

Octob

er

Novem

ber

Decembe

r

Janu

ary

February

March

April

May

June July

August

Transactions Per Active User

1 Growth of Goldmoney Network via aggressive acquisition & global service trials

Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017

Growth by Region: Users with a Gold Balance

NorthAmerica Europe Asia SouthAmerica Africa Oceanica

*Deposits & Transactions as reported for BitGold.

Aug-14 Aug-15 Aug-16

Wealth Net Signup Growth Trend

1. Overhaul and rebranding of Goldmoney of Wealth account and site experience.

2. Integration of Mastercard prepaid cards for Wealth accounts and launch of exclusive solid gold and silver Mastercards.

3. Launch of Goldmoney Insights Research & the hiring of John Butler and Stefan Wieler.

4. Global Partner Program; building strong relationships with referrers.

5. Focus on cash flow positive; reengineering cost rationaliziation.

Wealth Inflows Trend (grams)

GoldmoneyAcquisition

PeterSchiffEffectGoldmoney

Acquisition

0%

2 Modernization of the Goldmoney Wealth business

M A J O R I N I T I AT I V E S

Q2 2016 Q3 2016 Q4 2016 Q1 2017

Net Income (357,875) (288,188) (15,751) 2,122,633

W E A LT H P R O F I TA B I L I T Y

Aug-14 Aug-15 Aug-16

25

• Proactively manage customer lifecycle from registration through activation and repeat usage.

• Introduce and groom trial of prepaid card, transfers and getting paid in gold for business.

• Education marketing and research for informed and engaged users.

• Accelerate multiple currency and funding options globally.

• Expand Physical redemption offering and competitiveness.

%GrowthinRecurringDeposits15%CAGR

M A J O R I N I T I AT I V E S

3 Boosting customer activity with new platform capabilities (card, transfers, payments)

Number of cards issued growing +15% MoM

Goldmoney Mastercard Progress to DateT R A C T I O N A C C E L E R AT I N G : C A R D I S S U E S & U S A G E

Card load activity growing +25% MoM

Local point-of-sale: 80% ATM withdrawals: 20%

Verified card holders in 140+ countries

US

CA

GBFRDE

ITES

AUCNZA

MXCHBRNLSECOVEPHSGJP

Other

Cards Issued by CountryDistribution of Card Transactions

ATMTrx POSTrx

Cards Issued (Cumulative)

CHF USD GBP EUR

Card Loads by Currency (Gold Grams)

GAU->CHF GAU->USD

GAU->GBP GAU->EUR

◆ Business deposits – protecting earnings ↑18%+ MoM (avg)◆ Total GAU payment amounts ↑15%+ MoM (avg)◆ Total gold transfers & invoice payments ↑80%+ MoM (avg)

May Jun Jul Aug

Unique Business Depositor Growth

avg. +18% MoM

May Jun Jul Aug

Total Transaction Volume (Transfers + Invoices)

avg. +80% MoM

May Jun Jul Aug

Value of Invoice Payments MoM (GAU)

avg. +15% MoM

UP CO MING ENH A NCEMENTS

◆ Online checkout and donations via Goldmoney Pay◆ Goldmoney engagement marketing & referral programs

◆ Support for U.S. businesses

Goldmoney Business Account Adoption Growing MoM

3 Boosting customer activity with new platform capabilities (card, transfers, payments)

Invest in Product

Increase Transaction Efficiency

Leverage Cost Savings

4 Attaining operational & financial excellence in a scaling operation

CUS TO MER S ERVICEü Continuous improvement of end to end customer experience.

ü Optimizing efficiencies in customer service data and feedback loop:

• Reduced customer service response time

• Improved self-serve knowledge centre and support documentation • Expanded Goldmoney Community member base

CO MP LIA NCE & R IS K MA NA G EMENTü Improved risk assessment scoring during onboarding; decreased fraud and subsequent chargeback rates (down by 70 percent).

ü Easier onboarding for valued and authentic customers.ü Improved deposit experience: Verification at onboarding; less declines.

ü Expanded compliance regime: In-depth implementation of FATF recommendations.

ü Improved OPS efficiency: Increased automated/modern remittance systems.

4 Attaining operational & financial excellence in a scaling operation

Our Leading Edge Approach to Global Risk & Fraud Management

More user information and smarter models enhance the monitoring process

TRA NS A CTIO N L EVEL R IS K

Sophisticated algorithms, 3rd party networks, + fraud agents used to

validate identity and prevent fraud on funding / redemption methods.

A CCO UNT LEVEL R IS K

Perform KYC, review of account details, proof of identity, proof of address along with a number of

other verifications.

NETWO RK LEVEL R IS K

Closed loop account framework + Advanced technology recognizes

patterns and detects account linkages to predict fraud.

Global Compliance Detections – End-to-End Management of AML

31

Case Management•AML•PEP•EDD•AUP•Sanctions

Closed Loop / Linking Customers

InvestigationSystems & Teams

Detection & Prevention

AUP

TransactionMonitoring

Sanctions

PEP Ale

rt M

anag

emen

t STR Disclosures

IFTI & CTR

Law Enforcement

PRF Metrics

Reporting

Legend1. Case Management = Workflows, Agent Specialization, for multiple regions/type of work2. IFTI- International Funds Transfer Report3. CTR-Currency Transaction Report4. PRF-Performance5. PEP- Politically Exposed Person6. AUP- Acceptable Use Policy7. EDD- Enhanced Due Diligence

Transaction Monitoring WatchList Management Trend Analysis

Goldmoney Customer

Data

AML Fraud

32

• $67.8mm total capital raised (as of June 30) • ~$58.9 million in cash & liquid assets (as of June 30)• 68mm shares outstanding

• 3.5 mm warrants & options outstanding

• $59.4mm acquisition (11.1mm shares issued) of Goldmoney in July 2015• $36.6mm in bought deal financing in February 2016• $5.3mm acquisition of Schiff Gold (1.1mm shares + 1.4mm warrants) in July 2016 *Pending• Founders & Board own and control more than 26mm shares

T H E N U M B E R S – C A P I TA L S T R U C T U R E

Goldmoney Inc. graduates to the Toronto Stock Exchange in

less than one year.

Dec 14 June 15Mar 15 Sept 15 Dec 15 Mar 16 June 16 Sept 16

BitGoldLaunch&IPOonTSX-V

GoldMoneyAcquisition

SeedRound

$20MBoughtDealFinancing

$36.6MBoughtDealFinancing

SchiffGoldAcquisition*Pending

GraduationtoTSX

4. Attaining operational & financial excellence in a scaling operation

1



Agenda



Confidential and Proprietary

34

A New Standard for Independent Research

0.00

0.50

1.00

1.50

2.00

2.50

3.00

3.50

4.00

Dec-12 Jun-13 Dec-13 Jun-14 Dec-14 Jun-15 Dec-15

Federal Reserve Interest Rate guidance (dotplot)

End of 2016 End of 2017 End of 2018

Macro OutlookRate increase is much slower than initially projected;

terminal rate continues to be revised down

Our core thesis is gold prices are not driven by fear and greed, but real rates and long-term energy prices.

Goldmoney Insights – Model Output

0

200

400

600

800

1000

1200

1400

1600

1800

2000

1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

Predicted Gold price

AverageSince2000

37

“Gold maintains its purchasing power over fiat…by a wide margin

As a store of value, Gold is more stable than most people recognize when measured against individual currencies.

Given the context, we are taking an aggressive posture as we enter 2017…

Ongoing Economic

Uncertainty

GoldmoneyMomentum

Opportunity for Goldmoney to

Aggressively Grow Network Effect

Currency Volatility

Path to Business Expansion

Grow Network

Activate Wealth

Distribution

Evolving Beyond Initial Gold Purchases

Broaden Our Business

Deepen Our Relationships

ü Increase activity and loyalty

ü Increase share of savings portfolio & payment transactions

ü Create competitive advantage

ü Expand our network

ü New customer acquisition channels

ü New products & revenue opportunities

• Grow the user base

• Boost activity of existing users

• Drive brand recognition

• Expand transaction utility for spending and earning

• Market localization for deeper network effect

• Physical expansion options

• Commercial bank integrations & partnerships

• 3rd party ecommerce platforms

• Billing & payroll platform integrations

• Developer API

Extend the Platform

Grow the Core

G RO W TH E CO RE EXTEND TH E P L ATFO RM

5 Assessing future product growth in savings, credit & distributed payments

{ }

1



Agenda



1. Win customer preference as the best way to save, spend and send gold.

2. Accelerate network utility and adoption through strategic partner distribution.

3. Extend our global footprint & local competitive advantage.

4. Maximize the potential of Goldmoney Wealth.

5. Launch innovative new ventures and products in digital and physical.

6. Build compliance and operational excellence into all aspects of the business.


Summary

ü Goldmoney is performing well; on track to achieve financial and strategic objectives for fiscal year 2017.

ü Goldmoney is well capitalized and positioned for executing against its goals.

ü Focus building a great company to support growth and executing on business unit goals to achieve corporate goals.

ü Goldmoney is committed to supporting each and every customer (Personal, Business, Wealth) and network partner.

ü 2017 business KPIs are ambitious but achievable; despite economic uncertainty, we are investing heavily in our momentum.

ü Our Six strategic priorities will guide our decisions and cultivate the next wave of growth expansion in 2017.

334 Adelaide St. West 3rd Floor

Toronto, OntarioM5V 1R4 Canada

Investor Relations:

Jacquelyn [email protected]

+1 647 499 6748

GOLDMONEY INC. IS TRADED UNDER THE SYMBOL “XAU” ON THE TORONTO STOCK EXCHANGE (TSX). FINANCIAL REPORTS AND FILINGS CAN BE VIEWED HERE. FOR ADDITIONAL INFORMATION AND PRESENTATIONS, PLEASE VISIT OUR INVESTOR RELATIONS NEWSROOM.