gold money inc bitgold feb 2016

GoldMoney Inc.

The Global Network for Gold.

GoldMoney Inc.

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 Notice

These presentation slides (the “Slides”) do not comprise a prospectus or other form of offering document relating to BitGold 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

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GoldMoney Inc.

• Why Gold (slide 4)

• How BitGold Works (slide 14)

• BitGold the Business (slide 35)

• GoldMoney Corporate (slide 40)

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Outline

GoldMoney Inc.

• Shopping methods;

• how businesses sell;

• how people move money;

• how people interact with financial institutions;

• the very nature of money itself.

Everything about how commerce works is being reimagined on a global scale...

GoldMoney Inc.

What is Gold?

…Gold is simply Money without Borders

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GoldMoney Inc.

“No matter where you live in the world gold has effortlessly held its

purchasing power over time relative to costs of human essentials like food

and energy, making gold one the most useful and reliable tools for savings”

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GoldMoney Inc.

Banknotes backed by Gold

Modern Money Evolution 1.0

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GoldMoney Inc.

Central Bank - Fiat CurrencyCash backed by other sovereign cash, debt, gold


8

GoldMoney Inc.

21th Century Digital Fiat Ledgers –Heavily leveraged to Credit

Fast, Convenient, but negligible interest on deposits

Enter the Rise Of #FinTech


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GoldMoney Inc.

Modern Money Needs Today – The Dominance of Global Citizenship

Societies are Increasingly Global - Global Friends & Family, More Global Travel, More Global Business Transacting

People Need An Optimal Currency for Global Commerce that preserves value and can be fairly exchanged

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GoldMoney Inc.

Money as a Technology: The form factor may change...

Modern money innovation was designed to optimize the facilitation of money movement…

…But for Global Trade - The current payment, clearing and settlement systems have major bottlenecks. They are inefficient, have long settlement times, high-cost fees / exchange rates and currency volatility.

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GoldMoney Inc.

“Gold is owned in every country and across many income

segments, but with no modern technology innovation,

‘banking’ or payment apps”

Until Now…

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GoldMoney Inc.


Modern Day Money Need– A Safe, Trusted Currency for Global Commerce.

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Using modern technology, enabling unprecedented accessibility, and utility connecting physical Gold bullion, secured in global vaults to purchase, store, save, spend and send gold payments.

GoldMoney Inc.

BitGold – The Global Network for Gold.

Buy GoldWithin 1% of official gold price

Spend GoldAt any point of sales with a GoldMoney PrepaidCard

Store GoldOver 10 physical Brinks locations

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ü Securing Users Purchasing Powerü Enabling Reliable Tools for Savings ü Innovating How Global Payments Work

GoldMoney Inc.

Global Customers connect directly via online or mobile and get unprecedented

access and pricing of Gold. Can purchase as little as 3 cents from any currency instantly

Legal, Compliance,

Audit

•Third Party Audit (KPMG)•AML + Trx monitoring•Bank grade KYC •Tax Lot Accounting

Aurum

BitGold’s TechnologyAurum: Digital Ledger IP & Technology Stack

3. Global Vault Operations - BRINKSProvide Top Security, Storage,Transportation, Insurance, Accounting, Redemption from Global locations

1. Proprietary Global Pricing Ledger & ExchangeConsolidated feed from Gold Counterparties quoting real time Bid/Ask Spreads in each Vault Location 24/7

2. Global Money Payment ProcessorsBank, ACH, SEPA, Debit, Visa, MasterCard, Interac, China Union Pay, Wire (100+ Currencies in)

BitGold’s Network maintains clear chain of integrity, full ownership of Gold for the customer with new innovative utility on how to use it.

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GoldMoney Inc.

Central Banks

$5.5 BillionBitCoin Total Market Cap Value

$6.5 Trillion$70 Billion traded daily

Gold Total Market Cap Value

Bitcoin BitGold

VS.

✓ Gold’s stability over Fiat Currency✓ Proprietary Digital Ledger Technology Stack✓ Closed Loop Global Debit Network ✓ Global Access and Very liquid✓ Reversibility of transactions✓ KYC / AML regulation friendly✓ No counter party risk✓ Buyer / Seller protections✓ Real insured physical value of goods

✓ Reliable Systems✓ User Protections ✓ Regulations, AML, KYC• Global Currency FX Friction• Counter Party Risk

(money leveraged - credit) • Country specific networks • Inflation / Currency Risk

✓ Digital Ledger (Decentralized)✓ Global Currency✓ Developer Friendly• No regulation• No protections• No reversibility of transactions• No physical underlying asset

VS.

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BitGold deliversamodern,secure,integratedglobaldebitnetwork,backedbyGold.

GoldMoney Inc.

“With BitGold, you are not outside of the regulatory system.

But you do move outside of the central banking system, to a platform built as a

gold-based global debit network that reduces friction in global payments.

Digital Gold currency is better than fiat currency for

global internet commerce.”

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GoldMoney Inc.

BitGold’s 3 Tier Strategy for Growth & Innovation.

01Establish the Network: Our First PriorityReinvent the Gold Buy / Sell ProcessEnable Gold Savings accounts & deposit base ecosystem

Introduce Gold PaymentsPre-Paid Card global purchases New Innovative P2P Value transfers

Enable Business NetworkIntroduce BitGold Global Business PaymentsDistributed API Gold Rail into ecomm, invoice, & payroll platforms

02

03

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GoldMoney Inc.GoldMoney Inc.

1• Modernize Gold Buy / Sell process• Democratize Gold Savings• Build a Global Gold Ecosystem

EXECUTION

Top Priority: Establishing the Network

GoldMoney Inc.

“We’ve cracked the code to simplify global commerce and enabled

how global savings and payments can work. Essentially the best of

the old and the best of the new, Using the worlds oldest asset class,

and best performing currency, built together using today’s most

advanced security and mobile + cloud connectivity to create a safe,

efficient closed loop Global Debit Network, built on top of Gold.”

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GoldMoney Inc.

The Friction & Challenge that exists in Buying Gold today.

IETF

Initial purchase fee（0.66%+） Costly for average Investor Storage, Insurance & Transportation

MER fees (0.5%） Long Settlement 5-7 days Delayed period to ownership

Not easily transferable Premium to spot price

No payment system No payment system

Generally no ownership of underlying metal

Liquid

Inefficient,Expensive,and nopaymentsystem orutility

GoldUnprecedented pricing (1% of spot price)

Free Storage with Brinks

Insurance Costs Covered

Buy / Sell in over 100+ currencies

Purchase as little as 3 cents, recurring deposits

Redeemable in physical gold

Full payments capabilities ( send / request payments in Gold)

Fast,Safe, Easy,CostEffective

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GoldMoney Inc.

How BitGold Works – Simply Powerful.

1. Purchase Gold from Funding source of Choice for 1% of Spot price

2. Select Currency of choice in any amount

3. Select Vault location for your Gold. Securely operated by Brinks

Fast, Safe, Trusted way to Buy Gold Bullion

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GoldMoney Inc.

Bank Wire PrePaid Card Physical Gold

How BitGold Works – Simply Powerful.

Easily Sell your Gold for 1% of Spot Price

- Back to your Banks currency

- GoldMoney Prepaid MasterCard

- Arrange for physical delivery of your Gold

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GoldMoney Inc.

Enabling Online Savings Plans in Gold.

Protect your savings by growing ownership of a permanent asset and do so at your pace.

We’ve enabled turnkey recurring deposits to start a savings account in Gold from Fiat currency.

Daily, Weekly, Monthly….automatic deposits from your bank account. Gold that Grows.

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2INTRODUCING PAYMENT OPTIONS

EXECUTION

Extend our Value Proposition to Customers by

GoldMoney Inc.

Driving Ubiquity, Utility and Accessibility of Gold for Payments.

Spend your Gold Balance where MasterCard is accepted

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GoldMoney Inc.

P2P Money Transfers - $600B market, growing 19%. Slow, Expensive, Inefficient

Average Transfer = $200Average Cost to send = 7.6%Fees generated by Banks = $30BSource: World Bank

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GoldMoney Inc.

Is BitGold the Best Alternative to a Money Transfer?

Global P2P Gold Transfers1. Sender buys Gold or uses Gold balance value2. Gold stays in vault securely. Title is instantly

transferred from sender to receiver 3. Receiver Keeps Gold, spends on prepaid Card, or

Sells Gold bank to local currency bank for

only 1%

Welcome to Money without Borders

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3• Introduce BitGold Business Accounts• Invoice, eCommerce, Pay Roll Payments• Distributed API Gold Rail

• Launching Q1 2016

EXECUTION

Enable Business Network

GoldMoney Inc.

Simplifying how Global Commerce works using Gold.

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GoldMoney Inc.

Is BitGold the Best Alternative to a Money Transfer? Global Payments made easy using Gold.

BitGold takes the foreign out of exchange.

• Simple, Fair, global pricing • Flat 1% processing• Powerful Invoicing Platform• Online eCommerce Checkout

• Get paid for your labour and goods in Gold.

• Store your Gold for Free, or instantly redeem to your currency for 1%

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GoldMoney Inc.

Rail

{}Developer APIs

Distributed Gold Payment Rail✓Pay Outs / Pay Roll✓Global Donations✓Mobile Wallet Integrations✓ Invoicing Integration✓ Shopping Cart Integration✓Marketplaces ✓Cloud Based Point of Sale Systems

BitGold – The Global Network for Gold..

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GoldMoney Inc.

Bringing it All TogetherBusiness Momentum

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GoldMoney Inc.

It's Your GoldEvery gram of gold in your account is your property: fully reserved, allocated, and redeemable under Bailment Law.

Unprecedented PricingOwn physical gold at within 1% of the official gold price

Multiple Deposit OptionsBank Transfers, Credit and Debit Cards, China UnionPay,

Tax ToolsWe provide a tax tool for end of year accounting in local currency for any gains from sale of gold

Storage Fees on UsFree storage at private vaults secured by Brinks

Fully Insured100% insurance coverage on your gold value

Removing Friction to access the world best performing currency

True Gold Ownership + Utility of Savings and Payments 34

GoldMoney Inc.

BitGold Customers already own more than half a Tonne of Gold.

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33,01462,629

168,002

242,264

323,034

427,238

517,086

580,814

671,823

0

150,000

300,000

450,000

600,000

MAY JUN JUL AUG SEP OCT NOV DEC JAN

Rapid Sign Ups at a low acquisition cost

Widely distributed global adoption

High converting user sign ups to depositors

BitGold User Sign Ups…strong growth, and signs of virality.

GoldMoney Inc.36

Critical Network Growth Phase – Path to 1 million users

GoldMoney Inc.

Jan 2015 - Network Traction is accelerating.

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GoldMoney Inc.38

GoldMoney Inc.

The World is Waking up to BitGold – Press Coverage

39

GoldMoney Inc.

63.9mm shares O/S following completion of February 2016 financing

• 7mm warrants & options (3.9mm warrants forceable at C$1.35 strike)• Founders own and control over 20mm shares

• Other early investors include the Soros Family and Eric Sprott• $31.9mm in bought deal financing in February 2016, backed by Albert Friedberg

• Completed $59.4mm acquisition (11.1mm shares issued) of GoldMoney in July 2015• ~$55 million in cash & liquid assets (~$5 million additional post warrant exercise)• No material liabilities, obligations or encumbrance

GoldMoney Inc. Capital Structure & Financings.

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GoldMoney Inc. (TSX-V:XAU) (“GoldMoney”), is a global full-reserve and gold-focused financial services business

• Launched May 4th, went Public May 14th, On July 20, 2015 BitGold Inc. completed C$59.4MM acquisition of GoldMoney Network Limited

• Following the amalgamation, the company's parent name was changed from BitGold Inc. to GoldMoney Inc.

• Operate 2 separate services. GoldMoney.com and BitGold.com

GoldMoney Inc. is a mission-driven Canadian Corporation. delivering full-reserve financial services powered by our innovative real-time gold settlement technology. We are an innovative thought leading fintech company with a global mandate, but we operate in a framework that is within regulatory guidelines and BSA best practices, and are building a solid foundation with global financial partners.

The Numbers

The Mission

GoldMoney Inc.

GoldMoney Inc. - Multi-Disciplinary Team

Josh CrumbFounder & Chief Strategy Officer

Former Sr. Metals Strategist at Goldman Sachs

Alessandro PremoliChief Technology Officer

Decade+ experience in encryption, cryptography, digital signatures

Roy SebagFounder & CEO of GoldMoney Inc.

Former Portfolio Manager Long/Short Equity, Essential Equity

The 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 & macroeconomics

Darrell MacMullinCEO - BitGold

Former Head of PayPal Canada,eBay, FinTech Advisor

Katie SokalskyChief Financial Officer

Former auditor with PWC, financial services expertise

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GoldMoney Inc.

The World’s Most Trusted Precious Metal Custodian

Through GoldMoney® the company offers precious metals custody, trading and execution, wealth management and research to individual investors and institutions.

• GoldMoney Insights Research Platform launched

• GoldMoney Wealth Services founded

• GoldMoney Precious Metal Cards launched in Beta

GoldMoney Inc.

The World’s Most Trusted Precious Metal Custodian

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Focus Matters

ü Digital Ledger Technology Stackü Self Directed Gold Savingsü Prepaid MasterCard for everyday spendingü Global Digital P2P Gold transfersü Business Payments (Invoice, Checkout, Pay Roll) ü Developer APIs

Ø Protecting Wealth for over 15 yearsØ Hold Gold, Silver, Platinum Palladium, CurrenciesØ Multiple custody / vaulting optionsØ Dedicated Account Manager servicesØ Commodities Research platform ”GoldMoney Insights”Ø Wealth Management Services Ø Precious Metal Cards (Gold / Silver cards)

GoldMoney Inc.

One of the Fastest Growing #FinTech Companies Globally.

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GoldMoney Inc.45

One of the Fastest Growing #FinTech Companies Globally.

GoldMoney Inc.

✓ A Good-Margin multi billion dollar opportunity

✓ Clear market leader in a defensible space

✓ Global Framework to address a Global market opportunity

✓ Strong team & execution with less than $10M spent

✓ Technology Competitive advantages in platform, pricing

✓ Wealth Services + Direct Service Model

✓ Efficient customer acquisition

✓ High operating leverage

Rapid User and transaction growth

Exponential transaction utility

GoldMoney + BitGold = Unparalleled Fintech Business offering.

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Establishing a viral network


334 Adelaide St. West 3rd FloorToronto, OntarioM5V 1R4 Canada

[email protected] 1-800-854-7418 ir.bitgold.com

gold money inc bitgold feb 2016

Investor Relations