The IRA Investment Platform for Hard Assets

Diversify Today - Protect Client IRAs

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Safeguard Long Term Retirement Wealth

● Leveraging modern financial technology, our firm has developed an integrated platform with industry-leading strategic commercial partners, Republic Metals Corp and IRA Services Trust, which entirely facilitates the origination of physical gold IRA client accounts within the independent Asset Management sector.

● Our seamless platform opens the vast $10 trillion tax-deferred retirement market to the hard asset class, directly at the RIA client facing level, targeting established financial industry product distribution networks, as opposed to the legacy gold dealers which advise clients one at a time outside of mainstream channels.

● The interface can be seamlessly integrated via an API onto existing wealth management SaaS platforms, or it can be

white-labeled as a stand-alone portal. Moreover, through our streamlined integrated commercial operations (facilitating the direct holding of the hard asset class in an IRA), we can actually offer a lower annual holding cost than the widely held ETF GLD. ($50B AUM)

Hard Asset Partners

Optimizing operational systems integration with a leading commercial group of strategic partners within the physical gold trade, delivering 21st century service to an important market sector.

Leveraging the benefits of today’s financial technologies within the oldest most intermediated of financial markets.

Facilitating the seamless acquisition and advancing the cause of the Hard Asset class within the vast tax-deferred retirement investment vertical.

Core Value Propositions

Assembling a team of highly respected qualified financial Industry professionals from the Asset Management business, the Physical Gold Market and the Alternative Asset IRA space.

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HEDGE AGAINST INFLATION, DEFLATION,STAGFLATION & HYPERINFLATION

SAFE HAVEN DURING PERIODS OF ECONOMIC, FINANCIAL AND GEOPOLITICAL STRESS

TRUE STORE OF VALUE OVER TIMEINSURES WEALTH PROTECTION

MAINTAIN PURCHASING POWER AGAINST CURRENCY DEVALUATION / FIAT MONEY PRINTING

LIMITED FINITE SUPPLY EVER INCREASING DEMAND

UNCORRELATED PORTFOLIO DIVERSIFICATION ELIMINATE COUNTERPARTY RISK

Entirely Ineffective Legacy Distribution Channels

The Wealth Protection Paradox

Yet, less than 1% of Americans hold physical Gold in their IRA

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Compelling Retirement Savings Insurance

Wealth Protection Paradox PHYSICAL GOLD

THE WEALTH PROTECTION ASSET CLASS

Hard Asset Partners

1. Hard Asset class not readily accessible through standard AM IRA channels

2. Cost of acquisition & holding are not competitive with other asset classes

3. Legacy Software systems take 2-3 weeks for account origination

4. Little monetary incentive for financial advisors to offer the asset class

5. Investment thesis for physical gold ownership is not effectively presented

Market Disconnect / The Solution

1. API integration of a seamless origination/execution portal directly at the RIA level.

2. Disintermediation: Costs are cut in half / Entirely competitive with gold ETF GLD

3. Five minute origination of New SDIRA Account - 48hrs Funding & Acquisition

4. Adds AUM %fees / Uncorrelated Insurance Asset / Facilitate IRA rollover capture

5. Comprehensive online informational / educational / Promotional collaterals

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Hard Asset Partners

Hard Asset Partners White Label Integrated API

XYZ Asset Management

With no annual income limits and tax-deferred contributions, Traditional IRAs can be a great fit for your retirement goals. Depending on your income and eligibility, you may also qualify for your contributions to be tax-deductible.

Our exclusive custody partner, IRA Services, offers self-directed Traditional IRA accounts which allow for investments in precious metals, real estate, private equity and other non-exchange traded assets. For indepth information on the benefits of a SDIRA click here.

Please select the type of self-directed IRA account you wish to open.

➢ Custom Client Statements and Reporting➢ Portfolio Management and Analysis Features➢ Trade Order Management Controls➢ Alternative Asset Processing➢ Extensive Cash Posting Functions➢ Principal & Income Segregation➢

➢ Robust Custom Query and Reconciliation ➢ Trade Date and Settlement Date Accounting➢ Robust Reconciliation Functionality➢ Flexible Fee Schedules and Billing Capabilities➢

➢ Automated Cash Management➢

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Hard Asset IRA AM Client / Investor

ALT AssetCustodians

Hard Asset Dealers

Refiner Vault

Hard Asset Partners The Game Changer

Seamless Channel Legacy Channel

HAP/ISCP

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Our Strategic Commercial Partners Power the Integrated SDIRA Platform

Exceptional Custody & Administrative ServicesIRA Services has 40 years of experience offering unmatched custodial, administrative, trustee services in the self-directed IRA

industry. IRA Services has approximately $7 billion assets under custody . They combine leading technology and superior

customer service with the most competitive fee structure in the industry. IRAS is the recognized authority in SDIRA Administrative

services, and are regarded with the utmost integrity in an industry they themselves helped create.

Republic Metals Corporation (RMC), an internationally recognized and highly respected organization, is one of the largest

full-service primary precious metals refineries in the world. Through continuous research and development of revolutionary

process technology, RMC provides the highest quality precious metals refining services & products, offering LBMA/COMEX certified

9999 investment grade bullion bars..

Only American LBMA Certified Gold Refiner in the United States

Licensed Comex Depository servicing Major Financial Institutions

The Delaware Depository, an Exchange licensed precious metals custody and distribution center providing vaulting and shipping

services to financial institutions, industrial companies, and investors worldwide. DD Offers many layers of physical and

electronic security, proprietary systems, internal controls, legal protections, and $1 billion in all-risk insurance through Lloyd’s of

London. The Delaware Depository is considered the most secure operation of its kind.

Formidable Commercial Partners

Hard Asset Partners

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Legacy PM SDIRA Marketplace

Hard Asset Partners

❏ Traditional precious metals dealers and legacy SDIRA custody providers are not equipped to meet the sophisticated requirements of modern financial asset transaction.

❏ The outmoded sector runs costly and ineffective mass marketing campaigns targeting individual investors one at a time outside of the established financial product distribution networks.

❏ The industry is using 40 year old legacy software systems to execute, report and reconcile accounts, which are unable to service financial institutions. Manual off-line administrative processes result in cumbersome 2 to 4 week timelines to open a SDIRA account. Trade execution via telephone and paper account reconciliation is still the norm.

❏ The operational systems currently serving SDIRA accounts garner greater in-house cost structures

resulting in significantly higher fees for clients. Traditional SIDRA providers overcharge and under-serve client accounts

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Hard Asset PartnersOur Target Markets

Overall IRA Macro Stats

● Total IRA holdings: $7.3 trillion;● Households with $200K+ in IRAs comprise 61% of the market;● 1.5M AA SDIRA accounts / total AUM 150B / 12% hold physical gold / Alternative Asset market growing @21% annually ● 15M households (49% of IRAs) retained rollovers, with 76% having transferred the entire portfolio balance into their IRA.

Independent RIA Firms: $15T AUM

● There were 49,071 investment advisor reps, also known as IARs, registered in 2015. Those advisors work in 17,782 firms, the majority of which are independent family offices and small firms.

IRA Households: $7T AUM

● Less than 1.5% of U.S. Investors hold physical gold in IRA Portfolios today. Large open market opportunity to meet the growing demand for Alternative Asset Classes.

● 50% of all IRA are Rolled-Over - 70% wanted more investment options.IRA to SDIRA Rollovers do just that

Targeted Market Segments

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Hard Asset Partners Commercialization Plan

Retail Investors: In addition to targeting AM distribution verticals with our wealth Management platform, we will also facilitate and advocate SDIRA conversion directly at the individual investor level through a retail facing website.

● Build out a qualified sales team with deep rolodex contacts within Wealth Management verticals & SaaS AM Services platforms

● Facilitate API integration with Robo advisors that are currently showing interest in the ALT Asset space

● Attend important AM Trade shows & Financial Advisor Conferences at both the regional and national level

● James Jones, recognized industry-wide expert in the IRA /SDIRA space, will introduce our platform to key contacts in the vast sector

● White Papers distributed to Financial Networks. Michael Lewitt; Substantive financial media contacts (Print/Digital & Bloomberg/CNBC)

● Provide a center of information & education for IARs, promoting physical gold as must have financial insurance. (Compliments paper asset.)

● Promote the Retail Interface: Traditional, Digital, PR, Event, Educational, Database, Trade

shows, Conferences, Retirement Investment association, AARP

● James Jones, nationally recognized expert advocating for our SDIRA advantage

● Specifically target larger IRA Rollovers / 70% of which seek more investment options

● Direct access to existing 70K/7B SDIRA accounts with our strategic partner IRAS

Wealth Management: Our team of highly experienced, well connected AM professional will effectively promote the advantages & facilitate platform integration directly at the AM level; Ind RIAs, IARs, Robo, PB, Family office & UHNW.

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Robo Investment Advisors

❏ Robo Advisors are gaining traction in today’s investment arena. This new vertical has attracted over $15B in assets in under 5 years.

❏ These platforms will likely define 21st century financial product distribution for coming generations.

❏ Advanced FinTech technologies are driving efficiencies; lower cost portfolio modeling, order execution, account reconciliation and reporting.

❏ As demand for alternative assets grows, these new age financial marketing interfaces and distribution networks are now entering our rapidly growing market sector.

❏ The HAP / ISCP FinTech platform is well positioned to capitalize on this breakout trend, integrating SDIRA offerings within these new ecosystems.

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Hard Asset Partners

Hard Asset PartnersMarket Competition

There are litany of legacy gold dealers that offer PM IRAs. This is one of the reasons we were attracted to the cluttered backwards sector. Although they vary in size, sophistication and category, all continue to swim around the same gold bug retail watering hole. Moreover, their SDIRA offerings are inefficient and/or non competitive.

AMPEX largest of the legacy dealers, while GoldMoney & GBI represent the best-of-breed next generation business models.

● Physical Gold Exchange Model

● Wealth Management Interface

● 2% Execution Fees

● Legacy SDIRA - Small Player

● Institutional & UHNW

● Largest of the Gold Dealers

● Strictly Retail

● 3-4% Execution Fees

● Legacy SDIRA Offering

● Dealer/Custody Intermediary

● Sophisticated BitGold Fintech Platform

● Pier to pier parallel currency model

● Multiple small transactions (low fee)

● Parent GMY 2.5% Execution Fees

● Offshore Trust IRA Offering

*Seamless SDIRA *Lowest Execution Fees *Advanced Custody Admin *Lowest Storage Charge *Lower Cost than ETF GLD

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Hard Asset PartnersExperienced Leadership

Executive Management

Bruno de Landevoisin - Founder: Head of ABX/Bullion Capital NY / Founder-CEO of EAP.com / Manging Partner ICP Industries / FX Trader Credit Suisse

James Jones - Head of Marketing: CEO of the IRA Exchange / Nationally Recognized Expert in the IRA/SDIRA industry / SVP Kingdom Trust

Confirmed in Confidence : Head of Wealth Management for an advanced Gold AM platform / 20 years with ML, Director Alternative Investment Group

Pye Eshraghian - Managing Director: Corporate Finance / 15 years Strategic Planning @ Impac, CTG, ICM / Monex Metals ($200M executive sales)

Commercial Partner Leadership

Todd Yancey - IRA Services Trust: Board Member & CTO/CSO / 70K Accounts & $7 Billion AUMDrew Bloomberg - Republic Metals Corp: National Director of Sales & SVP Business Development / Only American LBMA/COMEX certified refiner

Advisory Board

Bruce Bockmann - Board Chairman: 25 years with Morgan Stanley / Chairman of Morgan Stanley Australia / Founder of TechSpace, continues to be instrumental in early stage development of diverse High Tech ventures / Chairman of The Board of the HBSCNY. Michael Lewitt - Board Member: 27 years in the financial markets / Co-founded Harch Capital Management, LLC (HCM) in 1991 / Previously, Mr. Lewitt worked at Drexel Burnham under Michael Milken / Mr. Lewitt is a frequent media commentator on financial markets. (Bloomberg, CNBC...etc)

Jason Toussaint - Board Member: CEO of New York Private Bank & Trust Precious Metals / CEO of The WGC Trust overseeing GLD ETF $50B / Managed $2B Fixed Income Portfolio at JPM

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Hard Asset Partners Revenue Model / Financial Projections

Three HAP Revenue Streams:HAP transactions fee: 1.25%HAP annual storage fee: 5 bpsHAP account maintenance fee: $25

Conservative Expectations - EOY 2021

Assets Under Management: $800M Accounts Under Management: 40K Operating Profit: $7M

Aggressive Expectations - EOY 2021

Assets Under Management: $2.2B Accounts Under Management: 73K Operating Profit: $18M

IRA vs. SDIRA Growth Rate: 2013-2016

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Hard Asset PartnersFunding The Enterprise

Financing: Convertible Promissory Note Issuance.

Principal: $750K - $1M Note at simple interest, due in 2020.

Interest: 2% per year and constituted by simple interest.

Payment Dates: Paid quarterly, in arrears, beginning on 02/01/2020 upon maturity.

Maturity: The Note matures on the Third anniversary of the closing date.

Board Seats: Board of Directors - 5 members. Purchaser may appoint 2 members to the Board.

Note: To date Founders have invested: $100K (60% Working Capital & 40% Sweat Equity)

Alternative: Note issuance via LLC model for revenue sharing distribution.

Tax losses and income are passed through to investors, who would retain strategic tax benefits.

HAP Funding Requirements, 2016E - 2018E

Potential for Acquisition within a Burgeoning Financial Industry Sector

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WHY HAP HARD ASSETS IRA CUSTODY LOWEST RATES RESOURCES FINANCIAL ADVISORS

Over 1.5 Million IRA holders have placed $150 Billion in Alternative Assets

The Investment Landscape is Challenging

Safeguard Retirement Savings - Diversify with Hard Assets

TAX DEFERRED / WEALTH PROTECTION / LOWER COSTS

HARD ASSET PARTNERS

CLIENT LOGIN NEW ACCOUNT

16Retail Website

HARD ASSET PARTNERS

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❏ The SDIRA Platform is written in C# with Microsoft SQL Azure as the database and deployed redundantly

on Microsoft’s Azure hyper-scale, enterprise-grade IaaS (infrastructure-as-a-service) and PaaS

(platform-as-a-service) environment on both the West and East coasts of the USA.

❏ It was designed and built from the ground-up to achieve the highest levels of security, scalability, and reliability.

All ISCP APIs are made available over Secure Socket Layer (SSL) based web services and the system fully

complies with PCI DSS 3.

❏ HAP / IRAS / RMC have agreed to integrate seamless physical gold trade execution for our SDIRA client

accounts via a proprietary trading interface directly linking HAP/IRAS and RMC to execute on client accounts.

The Delaware Depository will be linked to the platform through IRAS, providing secure and insured storage.

Hard Asset Partners The Integrated Technology

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