2020 Brochure

SINCE 2001

The World's Most Trusted Name in Precious Metals

XAUUS: XAUMF

Goldmoney.com

CLIENTS

350,000+CLIENT ASSETS

$2.5B+GLOBAL VAULTS

15

XAUUS: XAUMF

Goldmoney Holding 1

Safety & Transparency 3

Goldmoney Vaults 9

Goldmoney vs. ETFs & Coins 15

Goldmoney Physical 17

Goldmoney Checkout 18

Precious Metal Loans 19

Active Trader 20

Dealing Rates & Storage Fees 21

Pension Plans & Retirement Accounts 23

Goldmoney Insights 24

Governance & Leadership 25

Investor Relations 31

Get Started 32

Table of Contents

1

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 allows you to securely purchase precious metals owned in your name at insured vaults across eight countries.

A Goldmoney Holding is a custodial account providing allocated, segregated, and physically redeemable bullion.

When it comes to physical precious metals, no other service o�ers more features and utility than the Goldmoney Holding.

The Goldmoney Holding

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Buy, sell and hold fully reserved and allocated gold, silver, platinum and palladium at our industry-best 0.5% fee.

Direct Ownership AgAu

Secure and fully insured storage at private vaults located around the world, operated by leading vault providers.

Peace of Mind

15 global locations, direct metal-to-metal exchanges between any of our metals, and the ability to hold in reserve any of nine currencies. 

Unparalleled Flexibility

Experience the least expensive way to buy, sell, and take delivery of physical precious metals, significantly cheaper than ETFs and coins.

Lowest Fees %

Clients may take physical delivery of their precious metals in a selection of coins and bars via Schi�Gold, or take physical possession of their registered bars at vaults.

Deliverable Bullion Au

Publicly listed corporation on the TSX (XAU). Fully regulated. Audited by a Big Four accounting firm (KPMG).

Most Trusted Name

Goldmoney removes friction while expanding accessibility and utility for gold, making it the best way to buy, sell and save gold, anywhere in the world.

Gold Ownership Made Easy

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Safety & Transparency

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 and investment firm. Goldmoney Wealth Limited is regulated by the Jersey Financial Services Commission (JFSC) as a Money Services Business.

OVERSIGHT

A Goldmoney Holding operates like other financial service accounts, with the convenience of online 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 manage-ment of a securitized asset.

COUNTERPART Y RISK PROTECTION

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 di�erence (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, “paper metal” products merely represent a promise to pay metal or cash equivalent.

100% METAL OWNERSHIP (FULLY-RESERVED)

4

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 precious metal held by Gold-money 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.

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 Goldmon-ey clients, and we transparently disclose these insurance certificates to clients within the Governance section of their Holding Dashboard.

SECURE AND INSURED STORAGE

Account IssuerPooling Accounts No ?

Certificate IssuerUnallocatedCertificate Programs No ?

ETF IssuerPrecious MetalsETFs No ?

Client Yes Always

ProductOwnershipRights

Protection AgainstCounterparty Risk 100% Metal

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 obliga-tions. 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.

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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.

METAL QUALIT Y AND TESTING

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.

1.

We provide a Real-Time Audit of all customer metal and cash.2.

A detailed list of this ledger is also sent to our auditor (KPMG) through an encrypted connection on a regular basis.

3.

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.

4.

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.

REGUL AR AND INDEPENDENT AUDITS OF CLIENT HOLDINGS

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Silver Bars

Weight

Purity

Dimensions

750 to 1,100 troy ounces

>99.9%

LengthWidthHeight

11.8” ± 2”5.1” ± 0.8”3.1” ± 0.8”

UK-US

23 to 34 kilograms

>99.9%

LengthWidthHeight

300 mm ± 50 mm130 mm ± 20 mm80 mm ± 20 mm

Metric System

Gold Bars

Weight

Purity

Dimensions

250 to 430 troy ounces

>99.5%

LengthWidthHeight

9.8” ± 1.6”2.8” ± 0.6”1.4” ± 0.4”

UK-US

10.9 to 13.4 kilograms

>99.5%

LengthWidthHeight

250 mm ± 40 mm70 mm ± 15 mm35 mm ± 10 mm

Metric System

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.

Fineness

Year of production

Serial number

Assay stamp of refiner

Gold and silver bar specifications

Each bar is marked with the following stamps:

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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.

HIGH ONLINE SECURIT Y STANDARDS

High online security standards

Independent third-party audits

Secure and insured storage

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 19 years to ensure the safety of your metals by providing:

ROBUST SECURIT Y

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.

ULTRASOUND GOLD BAR TESTING

Valcambi (Switzerland)

Metalor Technologies SA (Switzerland)

Argor-Heraeus SA (Switzerland)

Johnson Matthey Limited (United Kingdom)

The gold, silver, platinum, and palladium that Goldmoney acquires for you is produced by some of the most respected refineries in the world, including:

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Standard corporate 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 equiva-lent 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 14 (Winding-up or bankruptcy of Gold-money) of our Customer Agreement for further information.

CLEAR PROCEDURE IN CASE OF BANKRUPTCY

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.

BANK ACCOUNT LOCKING

Goldmoney addresses the issue of protecting client assets by enabling clients to enable 2-factor authentication for all transactions within their Holdings. This step allows clients to validate metal withdrawals, transfers and delivery on their mobile devices before completing the authorisation of the transaction online.

Each time you request to make a delivery request 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.

2FA TRANSFER CONFIRMATION

Goldmoney uses military grade encryption (RSA 4096 and AES 256) to secure your account and personal information.

MILITARY GRADE ENCRYPTION

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All precious metal held by Goldmoney clients are stored in secure and fully insured vaults operated by leading professional vault operators, including: Loomis International (Nasdaq OMX: LOOM), Brinks (NYSE: BCO), G4S (LSE: GFS), Malca-Amit, Rhenus Logistics, and the Royal Canadian Mint.

You may choose where to store your metal from our network of 15 vaults in 8 countries around the world. Moving your metals from one vault location to another is easy and secure with the Goldmoney Vault-to-Vault Metal Exchange feature.

Goldmoney Vaults

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Toronto New York

London Zurich

Singapore Hong Kong

Brink’s (NYSE: BCO) is the world’s largest cash and valuables management company, with 62,400 employees and operations including 1,200 facilities and 13,500 vehicles. Brink’s vaults are ULC 2 rated, have dual independent alarm systems, CCTV coverage, dual vault access controls consisting of one e-lock and one combination lock and stringent opening and closing procedures. Brink’s has the infrastructure and experience to ensure secure, low-risk storage worldwide at any of the Brink’s facilities.

Vault Operator

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London Zurich

SingaporeFrankfurt

Hong Kong

Singapore

Loomis International(Nasdaq OMX: LOOM) is the specialist in worldwide valuable logistics. With 160-year history, Loomis has 30,000 employees and 500 branch o�ces in 23 countries. Loomis provides professional security and infrastructure for processing, storage and transfer of valuables. Loomis’ high security vaults are in the world’s most important financial centers.

Vault Operator

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Zurich

Founded in 1912, Rhenus is one of the world’s most trusted and well-respected logistics and storage service providers, with more than 660 o�ces worldwide and employs 31,000 people.

Situated underground in the secure zone of Zurich Airport, the Rhenus Zurich Vault oper-ates under Swiss jurisdiction, which enjoys a well-deserved reputation as one of the stron-gest supporters of foreigners’ property rights in the world. The high-security and fully insured facility o�ers superb security and storage diversification for Goldmoney customers, who have the ability to inspect or collect their metal by visiting the vault if they hold registered bars.

Vault Operator

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Singapore

Malca-Amit’s highly-secured, strategically located storage facilities are recognised as market leaders. Numerous facilities are located in free trade zones and others are strategically positioned around the globe.

Malca-Amit’s state of the art facility near Changi International Airport are located in the Singapore Freeport, a 25,000 sqm high-security facility featuring cutting edge security technologies.

Vault Operator

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Ottawa

A Crown Corporation of the Government of Canada, the Royal Canadian Mint provides secure storage for Goldmoney clients at the Mint's facility in Ottawa. The Mint is exceptionally secure. All bars are weighed on deposit, and all inventory is counted on a quarterly basis. The Mint is audited annually by the Government of Canada’s O�ce of the Auditor General, and customers can arrange for formal audits of their own holdings.

Vault Operator

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Goldmoney vs ETFs & Coins

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 signifi-cantly 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 di�erence between owning precious metals through Goldmoney vs. ETFs.

GOLD VS. ETFS

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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 o�er 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, you take on the risk 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 o�ers clients the ability to take delivery of their metals in the form of coins and bars through our subsidiary Schi�Gold, a joint venture between Goldmoney Inc. and legendary gold investor Peter Schi�.

GOLD VS. BARS & COINS

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Goldmoney Physical

Goldmoney Physical is an easy to use e-commerce platform for gold and silver coins and bars powered by Schi�Gold, one of the leading direct-to-consumer bullion dealers founded by legendary gold investor Peter Schi�.

Goldmoney clients can instantly and securely purchase a wide selection of gold and silver coins and bars by transferring their existing precious metals balance to Schi�Gold, which o�ers competitive pricing and volume discounts. Insured shipping is available to 40 coun-tries.

When you are ready to convert your precious metals balance into coins or bars, simply visit “Goldmoney Physical” in your Holding and follow the process. Goldmoney or Schi�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, Schi�Gold can also arrange to buy your existing coins and bars and fund your Goldmoney Holding with the proceeds of your sale(s). 

To Learn more, visit Goldmoney Physical in your Goldmoney Holding, or call a Schi�Gold representative today at 1.888.465.3160.

COINS & BARS VIA SCHIFFGOLD

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Goldmoney pioneered a new way to transfer value by using gold as payment rail within our closed-loop network. This allows our clients to securely and instantly use their Goldmoney balance to pay for e-commerce purchases at selected websites. Goldmoney Checkout is currently available at Mene.com. To learn more about how to purchase 24k gold or platinum jewelry with Goldmoney Checkout, visit www.mene.com.

Goldmoney Checkout

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There are no fees when you lend your money via LBT.

NO FEES

0%

Interest is paid monthly and can be withdrawn or lent out again.

EARN LOWER RISK INCOME

AgAu

Automatic margin calls are triggered in the event the underlying precious metal collateral declines relative to the loan.

YOUR PRINCIPAL IS PROTECTED

Benefits of Lending

Borrow up to 75% of the market value of your gold or 65% of the market

value of your silver.

MAKE YOUR METAL WORK

75%

Monetize your holdings without reducing your metal positions.

STAY LONG METAL

Enjoy a lower interest rate than o�ered by your bank or other unsecured

lending alternatives.

LOW-COST FINANCING

%

Benefits of borrowing

Precious Metal Loans

Expand your financial flexibility by lending and borrowing against the ultimate collateral – gold and silver held in Goldmoney vaults. As a Goldmoney client, you may be eligible to become a client of Lend & Borrow Trust Company (LBT), an FCA regulated peer-to-peer lending platform wholly owned by Goldmoney. Contact us to learn more.

Lend and Borrow Against the Ultimate Collateral – Gold & Silver

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Active Trader

Active Trader o�ers a turnkey trading solution with limit order capability, open trade book, technical indicators and charting tools for buying and selling physically allocated precious metals in multiple Goldmoney vault locations. Active Trader extends Goldmoney’s world-class product set, scalability and support by streamlining execution, custody, and delivery services for physical precious metals through one electronic environment.

Navigate your precious metals trading with more precision and control.

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*If the total storage fee on the custody of your precious metals is less than US $10/month, the minimum fee applies. If you pay US $10/month or more in storage fees, the minimum storage fee will not a�ect you.

Gold 0.01% - 0.018% per month

Silver 0.033% - 0.041% per month

Platinum 0.03% - 0.049% per month

Palladium 0.065 - 0.08% per month

Minimum storage fee US$10 per month*

STORAGE FEES

Buy & Sell (Market Orders) 0.5% per transaction

Buy & Sell (Limit Orders) 1% per transaction

Metal & Vault Exchange 0.75% per transaction

DEALING RATES

Dealing Rates & Storage Fees

Our transparent and competitive pricing is one of several reasons clients located in more than 200 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.

We’re committed to transparency and always want our clients to know exactly what they are paying when they buy precious metals from us.

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Visit goldmoney.com/dealing-rates-and-storage-fees to view our full fee schedule.

Bank Wires FREE

Direct Bank Transfer (CHAPS, SEPA) FREE

ACCOUNT FUNDING FEES

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STANDARD LIFE, U.K.

T: 0345 0845 000

Invest in gold bullion as part of your SIPP. Standard Life’s Active Money SIPP o�ers a wide choice of specialist investments to our U.K. clients.

U.K.

ENTRUST

T: +1(877) 545 0544

Our partnership with the Entrust Group helps our U.S. resident clients to:

Invest in precious metals as part ofyour IRAs.

Preserve your purchasing power with a diversified pension investment portfolio.

U.S.

VANTAGE

T: 01534 706515

FAIRWAY PENSIONS

T: 01534 511700

For pension advice and discounted rates, please contact your IFA or reach out to:

JERSEY

Who are the main providers Goldmoney partners with?

Self-Invested Personal Pension (SIPP)

U.K.Individual Retirement Accounts (IRAs)

U.S.SIPPS (RACS) RATS

JERSEY

What pension product is gold available in?

Pension Plans & Retirement Accounts

This is becoming increasingly di�cult, 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 of the world 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 o�ered by gold and silver.

Everyone aims to accumulate enough wealth during their life to enjoy their retirement in comfort.

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Goldmoney InsightsGoldmoney Insights® is a proprietary research portal that provides objective and unbiased insights into prevailing market conditions and global macro trends a�ecting the world, markets, and culture.

The Goldmoney Insights team is comprised of experts in business, finance, commodities. The team is led by Stefan Wieler, Peter Schi�, and Alasdair Macleod, and also features pieces from various guest authors, including James Turk, Roy Sebag, and more.

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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, Geo�rey, and remains an active advisor to Goldmoney by serving as Lead Director of the board.

James TurkFOUNDER, LEAD DIRECTOR

Governance & Leadership

26

Roy Sebag is the Chief Executive O�cer of Goldmoney Inc., following the merger of Goldmoney with BitGold, a digital gold payment and savings platform. Mr. Sebag founded BitGold in 2014.

Mr. Sebag is also the Founder and Chief Executive O�cer of Menē Inc. (TSXV: MENE) a direct-to-consumer jewelry brand which crafts pure 24 karat gold and platinum jewelry that is transparently sold by gram weight.

Prior to BitGold, Mr. Sebag was a portfolio manager that engaged in fundamental long and short equity investing in distressed, event-driven, and natural resource related opportunities. Mr. Sebag has enjoyed a 15-year career in business in diverse industries ranging from technology, precious metals, and investment management. He is also the author of several noted papers including: Global Gold Mine & Deposit Ranking, The Natural Order of Money, and The Gold Jewelry Standard.

Roy SebagFOUNDER, CHIEF EXECUTIVE OFFICER

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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.

Stefan WielerDIRECTOR

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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 of 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 O�cer of IAMGOLD. He is also the Audit Committee Chairman for a TSX-listed base-metals company and a Director of severalprivate companies.

Mahendra NaikDIRECTOR, CHAIRMAN OF AUDIT COMMITTEE

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Andres Finkielsztain is the Founding Managing Partner of FinkWald LLC, a private invest-ment o�ce specializing in private equity, real estate, media, and technology.

Andres is also the co-head of the Special Situations division at Banco Industrial in Argentina, where he analyzes and provides financing solutions to Argentinean-based companies and institutions. Andres previously served as a financial advisor for Soros Brothers Investments (SBI), a private investment o�ce founded in 2011 by Alexander and Gregory Soros, and as an analyst for Emerging Markets at Soros Fund Management LLC.

Andres graduated with a BA in Economics from Bard College where he served as the President of a Latin American organization.

Andres Finkielsztain DIRECTOR

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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.

Alasdair MacleodHEAD OF RESEARCH

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XAU

PRIMARY EXCHANGE

XAUMF 9BT

SECONDARY EXCHANGE

Investor Relations

Goldmoney Inc. (TSX:XAU) is a precious metal focused global business. Through its ownership of various operating subsidiaries, the company is engaged in precious metal sales to its clients, including arranging delivery and storage of precious metals for its clients, coin retailing, and lending. Goldmoney clients located in over 200 countries hold over $2.8 billion in precious metal assets. The company’s operating subsidiaries include: Goldmoney.com, Schi�Gold.com and Lend & Borrow Trust. In addition to the Company’s principal business segments, the Company holds a significant interest in Menē Inc., which crafts pure 24-karat gold and platinum investment jewelry that is sold by gram weight. Through these businesses and other investment activities, Goldmoney gains long-term exposure to precious metals.

Mission-Driven Leader in Online precious Metal Investment Services.

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To learn more about Goldmoney, visit Goldmoney.com or contact us by emailing questions@goldmoney.com

Apply for a Holding Fund your holding Buy & Sell Precious Metals

AgAu$$

Open Your Goldmoney Holding in 3 Simple Steps

Get Started

33

Information contained within this document was accurate at the time of printing but may be updated, amended, or superseded by subsequent disclosures or become outdated and inaccurate over time. This document does not constitute an o�er to sell securities or a solicitation to buy securities in any jurisdiction. The reader is referred to his/ her professional investment advisor regarding investment or related decisions respecting the information in this document.

This document is for information and illustrative purposes only. It is not and should not be regarded as “investment advice” or as a “recommendation” regarding a course of action, including without limitation as those terms are used in any applicable law or regulation. This information is provided with the understanding that with respect to the material provided herein: (i) Goldmoney Inc. is not acting in a fiduciary or advisory capacity under any contract with you or any applicable law or regulation; (ii) that you will make your own independent decision with respect to any course of action in connection herewith, as to whether such course of action is appropriate or proper based on your own judgment, specific circumstances, and objectives; and (iii) that you are capable of independently understanding and assessing the merits of a course of action and evaluating investment risks. Goldmoney does not purport to, and does not in any fashion, provide tax, accounting, actuarial, record-keeping, legal, or any related services. You should consult your advisors with respect to these areas and the material presented herein. You may not rely on the material contained herein. Goldmoney Inc. shall not have any liability for any damages of any kind whatsoever relating to this material. This material may not be copied, summarized, distributed, modified, transmitted, revised, or commercially exploited without Goldmoney Inc.’s express written permission.

Disclaimer