The Most Trusted Name in Precious Metals

Goldmoney Holding

Safety & Transparency

Goldmoney vs. ETFs & Coins

Metal Transfers

Business Tools

Pension Plans & Retirement Accounts

Goldmoney Kids

Dealing Rates & Storage Fees

Card Selection

Concierge

Leadership

Goldmoney Insights

The Goldmoney App

Branches

Investor Relations

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TA B L E O F C O N T E N T S

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.

The Goldmoney Holding

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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.

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O V E R S I G H T

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.

C O U N T E R PA R T Y R I S K P R O T E C T I O N

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% M E TA L O W N E R S H I P (F U L LY-R E S E R V E D )

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

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“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

Protection AgainstCounterparty Risk

100% Metal

Precious Metals ETFs

Unallocated Certificate Programs

Pooling Accounts Account Issuer

Certificate Issuer

ETF Issuer

Client Yes

No

No

No

Always

?

?

?

S E C U R E A N D I N S U R E D S TO R A G E

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.

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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.

M E TA L Q U A L I T Y A N D T E S T I N G

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.

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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:

G O L D B A R S

U K-U S M E T R I C S Y S T E M

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

S I LV E R B A R S

U K-U S M E T R I C S Y S T E M

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)

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U LT R A S O U N D G O L D B A R T E S T I N G

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.

R O B U S T S E C U R I T 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

H I G H O N L I N E S E C U R I T Y S TA N D A R D S

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.

M I L I TA R Y G R A D E E N C R Y P T I O N

Goldmoney uses military grade encryption (RSA 4096 and AES 256) to secure your

account and personal information.

S M S T R A N S F E R C O N F I R M AT I O N

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.

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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.

B A N K A C C O U N T L O C K I N G

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.

D I S A B L E M E TA L PAYM E N T S

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.

C L E A R P R O C E D U R E I N C A S E O F B A N K R U P TC Y

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.

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G O L D V S . E T F S

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.

Goldmoney vs. ETFs & Coins

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G O L D V S . B A R S & C O I N S

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.

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MetalPayments

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S E T A U TO M AT I C (R E C U R R I N G ) T R A N S F E R S

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.*

S E T A U TO M AT I C R E D E M P T I O N S & R E M O V E M E TA L P R I C E R I S K

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.**

I N S TA N T M E TA L T R A N S F E R S

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.

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BusinessTools

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B U S I N E S S PAY R O L L – PAY M U LT I P L E PAY E E S

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.

B U S I N E S S I N V O I C I N G

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.

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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.

Pension Plans & Retirement Accounts

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U K C I T I Z E N U S C I T I Z E N J E R S E Y C I T I Z E N

W H AT P E N S I O N P R O D U C T I S G O L D AVA I L A B L E I N ?

W H O A R E T H E M A I N P R O V I D E R S G O L D M O N E Y PA R T N E R S W I T H ?

Self-Invested Personal Pension (SIPP)

Individual Retirement Accounts (IRAs)

SIPPS (RACS) RATS

S TA N D A R D L I F E , U.K .

VA N TA G E

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

FA I R WAY P E N S I O N S

T: 01534 706515

E N T R U S T For pension advice and discounted rates, please contact your IFA or reach out to:

H AV E Q U E S T I O N S ? C O N TA C T O U R R E L AT I O N S H I P M A N A G E M E N T T E A M F O R G U I D A N C E .

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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.

GoldmoneyKids

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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.

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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.

Dealing Rates & Storage Fees

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S TO R A G E F E E S

Gold

Silver

Platinum & Palladium

0.12% - 0.18% per annum

0.39% - 0.49% per annum

0.49% per annum

D E A L I N G R AT E S

Buy & Sell

Exchange

0.5% per transaction

0.75% per transaction

M O N T H LY S TO R A G E C R E D I T S

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.

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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

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G O L D M O N E Y P L A S T I CM A S T E R C A R D ® P R E PA I D C A R D

G O L D M O N E Y S I LV E RM A S T E R C A R D ® P R E PA I D C A R D

G O L D M O N E Y 18K G O L DM A S T E R C A R D ® P R E PA I D C A R D

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).

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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.

Complimentary luxury membership service offered exclusively to Goldmoney clients with a Full Holding.

GoldmoneyConcierge

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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

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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.

F O U N D E R - L E A D D I R E C TO R

James Turk

Governance

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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.

D I R E C TO R - C H I E F E X E C U T I V E O F F I C E R

Roy Sebag

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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.

D I R E C TO R - C H I E F S T R AT E G Y O F F I C E R, C F O

Josh Crumb

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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).

D I R E C TO R

Leslie D. Biddle

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D I R E C TO R - C H A I R M A N O F A U D I T C O M I T T E E

Mahendra Naik

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.

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D I R E C TO R

Stefan Wieler

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.

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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.

G R O U P G E N E R A L C O U N S E L & D I R E C TO R

Katy Millington

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H E A D O F R E S E A R C H

Alasdair Macleod

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.

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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. H E A D O F W E A LT H S E R V I C E S

John Butler

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TO R O N TO T E A M

J E R S E Y T E A M

N E W YO R K T E A M

Team

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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.

Goldmoney Insights

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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 ContentLibrary

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.

The Goldmoney App

40

G O L D M O N E Y A P P F E AT U R E S

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.

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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

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G O L D M O N E Y S T. H E L I E R

G O L D M O N E Y TO R O N TO

G O L D M O N E Y N E W YO R K

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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.

InvestorRelations

44

P R I M A R Y E X C H A N G E

XAU

S E C O N D A R Y L I S T I N G S

XAUMF 9BT

45

Join the global Goldmoney community

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.

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