FinTech was the buzzword for 2016 and has experienced undisputed growth internationally. Every country, every region, every culture needs better, more efficient and more affordable options for spending and saving. And now, financial trading is starting to collide with the growing industry of FinTech. With innovative and disruptive solutions crossing over, how can we expect new financial technologies to impact the industry? Quality offerings which don’t discriminate and offer true value must be the pillar in which the technology is built around. To demonstrate how this can be achieved, Roy Sebag, CEO of one of the fastest growing FinTech companies Goldmoney discusses how affiliates can apply the same practices to their own financial businesses and what opportunities lay ahead. What can we expect from the role of FinTech in the future? How can the core aspects of FinTech and gold offer opportunities for affiliates? How will FinTech and gold shape the financial industry in the future?

1. Goldmoney Inc.
IN V E S TOR R E L AT ION S P R E S E N TAT ION
February 2017
@Goldmoney
Business Overview | 2 – 15
Corporate Q3 2017 Update | 16 – 31
For the Period Ending December 31, 2016
0

2. 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
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
1

3. Innovation in money has involved leveraging technology to optimize money movement through new
communication protocols, but when it comes to global trade, national currencies and regional settlement
systems are slow, inefficient, and rife with high exchange rates and price volatility.
Through fintech innovation, Goldmoney has removed cross-border friction by
building a technology stack on top of gold – the only true global money.
Money Has Become a Technology
2

4. Innovative Technology
• Modern, real-time global gold settlement platform.
• Private proprietary digital ledger & exchange.
• Purchase/redeem physical gold in any denomination with all major currencies
via credit/debit cards, bank transfers, and other local payment options.
• Secured & fully insured international vault locations operated by professional
private vault operators, including Brink’s, Loomis, and the Royal Canadian Mint.
The world’s gold savings
& payments network
User Benefits
• Free & fully-regulated online account democratizes access to gold & provides users
with the ability to save, transact & transfer value in 100% allocated gold.
• Enables global citizens to safeguard their wealth and protect their purchasing power
from currency volatility.
• Fully reserved physical gold with protection against counterparty risk.
T R U E G O L D O W N E R S H I P + U T I L I T Y O F S A V I N G S A N D P A Y M E N T S
3

5. “Gold has been a commodity money for 6,000
years due to its natural properties. It also
forms an important part of most high net
worth investor portfolios.
4

6. Average Since 2000
Gold is more stable as a
store of wealth than most
people recognize –
especially when measured
against individual
government-issued
currencies.
-0.2 -0.15 -0.1 -0.05 0 0.05 0.1
Mexican peso
British pound
Swedish krona
Chinese yuan
Euro
Danish krone
Korean won
Indian rupee
Singapore dollar
Swiss franc
Australian dollar
Hongkong dollar
New Zealand dollar
Norwegian Krone
Japanese yen
Canadian dollar
Gold
Gold Performance (Measured in USD) vs. Currencies in 2016
5

7. Gold is a Good Store of Value – The Proof is in the Math
The cost of life in
U.S. dollars over time
GOLD PROTECTS PURCHASING POWER OVER THE LONG 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
6

8. “Devoid of modern savings and settlement
innovation, physical gold hasn’t been easy or
practical for the average person to access.
Until Now…
7

9. 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.
THE WORLD’S GOLD SAVINGS & PAYMENTS NETWORK
ü Securing Users’ Purchasing Power Globally
ü Providing Reliable Savings Tools
ü Innovating How Global Payments Work
8

10. Goldmoney’s Digital Ledger & Exchange Technology
Goldmoney technology provides real-time settlement of physical gold allocation,
enabling the purchase, sale, and transfer of 100% allocated and reserved gold.
Digital Ledger + Exchange
Gold counterparties quoting real-time best bid/ask gold
price in each vault location 24/7
Global Payment Processing
Bank, ACH, Debit, Visa, Mastercard,
Interac, China Union Pay + Wire (100+ currencies)
Global Vault Operations
Top security, storage, transportation,
insurance + accounting
Legal
Compliance
Audit
• Third-Party Audit
• Bank Grade KYC Regulations
• AML, Risk + Trx Monitoring
• Tax Lot Accounting
Global Verified Customers
receive unprecedented access to
buy, spend, transfer, and earn in
gold.
9

11. Direct Relationships with
Consumers and Merchants
Global Platform with
Strong Momentum
Patented Technology –
Using Physical Gold for
Electronic Payments
Strong Active
User Base
Customer Support
World-Class Regulatory &
Compliance Standards
Closed-Loop Data Model
for Security, Fraud & Risk
Management
Key Market
Advantages
10

12. - Costly and risky for average investor
(quality, shipping, storage & insurance
costs).
- 3-5% premium to spot pricing from the
bid or offer (6-10% round-trip cost).
- Very Liquid (Buy/Sell)
- Avg. annual fee 0.5% + premium to spot
(0.4%) + trading commission of $10-20 +
brokerage custody fee.
- Generally no ownership of underlying
metal (paper security with increased risk).
+ Fully-reserved and allocated .995+ bullion with full property rights under bailment law.
+ Real-time purchase + settlement in amounts as small as .001 grams.
+ Unprecedented pricing; deposit/redeem for 0.5% of spot price (Goldmoney Network accounts).
+ Free global vault storage + insurance up to 1,000 grams for Goldmoney Network accounts.
+ Free gold balance transfers (send / request).
+ Fast purchase + redemption capabilities (multiple currency, funding and redemption options).
Traditional Physical
Gold Purchase
Gold ETF
Investment
+ +
Personal & Business
Payments
- Global P2P transfers $600B market;
avg. cost of 6% /transfer.
- Cross-border retail commerce 4-6%
cost XB market.
- B2B invoicing avg. annual fee 0.5% +
premium on spot (0%) + trading.
One Platform Disrupting Three Ecosystems
11

13. FEATURES
◆ 100% allocated gold savings (nine vaults).
◆ Easily build a savings plan (drip/recurring savings).
◆ No minimums or monthly fees.
◆ Free storage and insurance up to 1,000 grams.
◆ Multiple funding and redemption options.
◆ 0.5% deposit and redemption fees.
◆ Free global gold transfers.
◆ Free Goldmoney Mastercard® Prepaid card.
◆ Goldmoney App for iOS and Android.
◆ Goldmoney Community and online support.
WHY CONSUMERS LOVE GOLDMONEY
Simplicity Security Flexibility
+ One account that lets you save in gold, transfer gold to
friends and family, and shop online and in stores globally.
12

14. Global P2P Transfers Simplified with Gold
Goldmoney is superior to a traditional money transfer
Sender uses local currency from a bank,
credit card, or debit card to buy gold.
Gold settles in vault. Title is instantly
transferred from sender to receiver for free.
Receiver keeps gold balance for free or
redeems to currency for only 0.5%.
• Direct-to-bank value settlement in 88 countries
and 45 currencies.
• No cross-border or foreign exchange fees. No
exposure to local currencies.
13

15. FEATURES
◆ Earn and transact in vaulted gold; no monthly minimums or fees.
◆ Free storage and insurance up to 1,000 grams.
◆ 0.5% deposit and redemption fees; no cross-border or foreign exchange fees.
◆ Powerful suite of merchant tools (invoicing, payouts, customer/inventory
management).
◆ Free Goldmoney Mastercard® Prepaid card.
◆ 1% payment processing fee on invoices (paid in any currency).
◆ 1% processing fee on ecommerce sales, donations, subscriptions, and other
payments via Goldmoney Pay.
◆ Seller protection on transactions with Goldmoney Network users.
◆ Goldmoney App for iOS and Android.
WHY MERCHANTS LOVE GOLDMONEY
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
14

16. ◆ Buy, sell, and hold physical gold, silver, platinum & palladium.
◆ Hold and convert nine different currencies.
◆ Insured custody & storage at multiple global vault operations.
◆ Goldmoney Mastercard® Prepaid cards in 18K gold and silver.
◆ Access to Goldmoney Concierge, wealth services, pension
plans, exclusive research and events.
◆ Dedicated Personal Relationship Manager, phone support and
live chat support, and dealing.
◆ Goldmoney App for iOS and Android.
◆ Transfer gold balance to and from Goldmoney Personal and
Business accounts (coming soon).
TRUSTED PRIVATE WEALTH MANAGEMENT
Fully Reserved Your Metal Your Money
+ Safeguarding Your Wealth. Protecting Your Legacy.
FEATURES
15

17. Goldmoney Inc.
Business Momentum Q3 2017
16
For the Period Ending December 31, 2016

18. Significant Growth in GAU Deposit Amounts
in the Europe Region Led by the U.K.
(Brexit effect)
Switzerland Germany Spain France Great Britain
Italy Netherlands Sweden Rest of Europe
Growth in Global Deposited Users & Total GAU Amounts
+79% YoY
Total Number of Users That Made a Deposit
Africa Asia Europe North America Oceania South America
+154% YoYin Q3 2017
in Q3 2017
17

19. Continued Growth in Signups and Engagement
+125% YoY +71% YoY
0
1
2
3
4
5
6
Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017
Transactions per Active Goldmoney
Network Account
0
0.2
0.4
0.6
0.8
1
1.2
1.4
1.6
Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017
Millions
Cumulative Signups
18

20. Goldmoney Network Transaction Velocity Accelerating
+96% YoY
Gold Gram (GAU) Amount
of Completed
Goldmoney Personal Payments
+309% YoY
Completed Goldmoney Personal Deposits
in Q3 2017
in Q3 2017
19

21. Goldmoney Mastercard® Prepaid Card Progress
TRACTION ACCELERATING: VERIFIED CARD HOLDERS IN 140+ COUNTRIES
GOLDMONEY NETWORK CARD ISSUES & USAGE
Local Point-of-Sale: 80%
ATM Withdrawals: 20%
Distribution of Card Transactions
ATM Trx POS Trx
Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017
Redemptions GAU > Currency
GAU > USD GAU > EUR GAU > GBP GAU > CHF
Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017
Cumulative New Cards Issued
USD EUR GBP CHF
+27%
Quarter-over-Quarter
+36%
Quarter-over-Quarter
20

22. Goldmoney Inc. Financial Highlights
$2.9
$66.3
$80.8
$108.7
$112.4
$140.4 $139.1
20
40
60
80
100
120
140
160
Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017
Millions($)
Quarterly Revenue
0.01
1.05
1.15
1.90
2.86
2.32
1.46
0.00
0.50
1.00
1.50
2.00
2.50
3.00
3.50
Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017
Millions
Gross Profit
As at Dec. 31, 2016:
Net Working Capital of
$55.24M
Liquidity Position of
$56.52M
to satisfy
$1.28M of liabilities
Millions($)
Strong Revenue Quarter over Quarter ($CAD) Driven by User/Client Deposit & Transaction Growth
SEDAR
21

23. May-16 Jun-16 Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16
Total Number of Business Payment
Transactions* in GAU
*Invoices, ecommerce & gold transfers
Showing early signs of traction following April 2016 launch.
Deployed ramp up beginning in Q4 2017.
+203% QoQ
22

24. *Deposits & Transactions as reported for BitGold.
1. Overhaul and rebrand of Goldmoney Wealth
account and site experience.
2. Integration of Goldmoney Mastercard Prepaid
cards for Wealth clients and connection from
Network to Wealth.
3. Focus on cash flow positive; reengineer cost
rationaliziation and reinvirogiate business
growth.
MAJOR INITIATIVES
ü Turnaround complete
ü New technology-led innovation
ü Sustainable, profitable growth
23

25. Platform
Unification
GoldMoney
Acquisition
0
Aug-14 Aug-15 Aug-16 Dec-16 Aug-14 Aug-15 Aug-16 Dec-16
Upward Trend of New Inflow Buys of Gold and Silver
WEALTH MOMENTUM
Net Holding Creation up by 500%+
GoldMoney
Acquisition
ü Turnaround complete
ü New technology-led innovation
ü Sustainable, profitable growth
24

26. Jan-May 2015
• Raised C$7MM
• Commercial launch of
BitGold.com
• BitGold commenced
trading on TSX Venture
• Acquired GoldMoney for
C$51.9M
June-Aug 2015
• Completed C$21M Bought Deal
Financing
• Commercial launch in U.S.
• Former Head of PayPal Canada,
Darrell MacMullin named CEO
• Name change to GoldMoney Inc.
• Gold-Settlement Technology
Linked to nine major financial
institutions
Sept-Dec 2015
• Launch of Mobile App for
Android & iOS
• Launch of Recurring Savings &
Payments Tools
• Launch of Goldmoney Insights
• Launch of Automatic Bank &
Card Redemptions
• Launch of World’s First Gold
Balance-Funded Prepaid Card
Jan-June 2016
• Launch of Business accounts
and payments
• Completed Upsized Financing
from C$15MM to C$36.6M
• Graduated to the Toronto Stock
Exchange TSX:XAU
• Launch of Gold Payroll for
Business platform
• Surpassed 1M signups
• Unification of BitGold &
GoldMoney; creation of
Goldmoney Personal, Business
and Wealth accounts.
• Entered into Acquisition
Agreement with Schiff Gold
LLC. and Marketing and Service
Agreement with Peter Schiff
July-Sept 2016
• Completed platform
unification and rebrand;
established Goldmoney
Network (Business & Personal)
and Goldmoney Wealth
businesses under unified
Goldmoney brand
• Set new transparency standard
with launch of Real Time Audit
• Accelerated direct-to-bank
value settlement for 87
countries and 44 currencies
• Launched PayPal integration
and exclusive vault for users in
the U.K. and Europe
Significant Goldmoney
Milestones
25

27. Significant Q3 2017 Milestones
26
Oct-Dec 2016
• Added the Royal Canadian Mint's secure precious metal storage
facility in Ottawa as a vault on the Goldmoney Network and
entered into an agreement with the Mint to explore future co-
marketing activities
• Launched the new Goldmoney App for iOS and Android.
• Completed the Schiff Gold Acquisition and entered into a
Marketing and Service Agreement with Peter Schiff.
• Entered the lending space with the launch of the Goldmoney
Maximizer tool
• Extended P2P transfer capabilities to Goldmoney Network users
residing in the U.S and registered a U.S. subsidiary with the
Financial Crimes Enforcement Network ("FinCEN")
• Reduced Goldmoney Network fees by 50% to 0.5%
• Doubled user referral rewards for the Goldmoney Personal
Golden Heart™ Program
• Acquired commercial property at 9 Bond Street in St. Helier,
Jersey, Channel Islands
• Introduced a connection between Goldmoney Network and
Wealth
The Company made several key advancements
following the close of the third quarter:
• Launched Goldmoney Concierge, a luxury bespoke membership
service provided exclusively to Goldmoney Wealth clients with
Full Holdings.
• Extended peer-to-peer transfers to 49 U.S. states.
• Announced Goldmoney Network accounts and Wealth Holdings
had been endorsed as Shariah-compliant by the Shariah
Supervisory Board of Amanie Advisors, which issued the fatwa in
accordance with the Shariah Standard on Gold set by the
Accounting and Auditing Organization for Islamic Financial
Institutions (AAOIFI) and developed in cooperation with the
World Gold Council.
• Launched additional payment integrations allowing for direct-to-
bank redemptions and credit card processing in Indian rupee for
Goldmoney Network.
26

28. Investment Highlights
Goldmoney is well capitalized, performing well, and on track to achieve financial and strategic objectives for fiscal year 2017.
Our six strategic priorities will guide our decisions and cultivate the next wave of growth expansion.
ENORMOUS OPPORTUNITY – Multichannel transaction platform targeted at savings and payments optimization.
POWERFUL BUSINESS MODEL – Rapidly growing savings and transaction-based business model.
WORLD–CLASS TECHNOLOGY – Proprietary patented closed-loop digital ledger and exchange.
VAST ECOSYSTEM – Engaged and expanding customer and partner base.
VISION – Proven and experienced product-driven team with a long-term focus.
27

29. 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.
Strategic Priorities for 2017
28

30. Goldmoney Growth Vectors
More Personal
Savers & Deposits
More Solutions
More Partners &
Channels
More Businesses
More International
PenetrationThe leader in using gold as a global modern technology,
Goldmoney is shaping the future of payments and savings.
29

31. 30
• $59.4M acquisition of GoldMoney in July 2015
• $36.6M in bought deal financing in February 2016
• $67.8M total capital raised (as of June 30, 2016)
• $2.79M acquisition of Schiff Gold in November 2016
• 69.26M shares issued and outstanding (as of Feb. 2, 2017)
• 5M warrants & options outstanding (as of Feb. 2, 2017)
THE NUMBERS – CAPITAL STRUCTURE
Capital Structure, Financing & Analyst Coverage
ANALYST COVERAGE
GMP Securities – Stephen Boland
Clarus Securities –Noel Atkinson
Mackie –Nikhil Thadani
30

32. Top Executives
The Goldmoney teams builds on decades of experience in financial services, investment management, ecommerce & payments, software engineering,
UX/UI design, cryptography, digital security, compliance, commodity market trading, and macroeconomics.
FOUNDER & CSO, CFO
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
31

33. 334 Adelaide St. West 3rd Floor
Toronto, Ontario
M5V 1R4 Canada
Investor Relations:
Jacquelyn Humphrey
ir@goldmoney.com
+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.