Goldmoney Inc.S E C O N D Q U A R T E R 2 0 1 7For the Period Ending September 30, 2016

@Goldmoney

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 NoticeThese 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

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, PayPal & cryptocurrency.

• Secured & fully insured international vault locations operated by

professional private vault operators, including Brink’s and Loomis International.

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

“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.

Everything we touch, feel, breathe, or burn is either an element or compounds and molecules comprised of elements. When an element or compound becomes consistently desired, it becomes also known as a “commodity”.

Over the course of recorded history (6,000 years), humanity’s greatest minds from Aristotle to Newton have discovered, studied, and classified 92 unique elements that naturally occur on our planet. The first natural element discovered was likely copper with the last being Francium in 1939. Each element has different physical properties, relative scarcity in the earth, and varying lifecycles. Some are finite, others renewable; some decay rapidly, while others are toxic to humans.

The relative abundance of the 92 natural elements to each other on our planet is well understood. Unfortunately, disciplines beyond geology and physics are not well acquainted with this obvious fact governing our natural systems. For example, we know that no matter what continent, the average amount of copper in 1 tonne of copper containing ore is always 3,000 greater than that of gold. We know that the average crop yield per acre for corn is 2.6x that of wheat.

On average and over long periods of time, these relationships are immutably bound by nature and revert back to the natural mean. Think of nature as a system enforcing the same rules no matter what time period we occupy. These are the basic physics underlying our natural systems.

Now let us move into economics… It follows then that in the real economy, everything built, manufactured, or invented irrespective of industry relies on a chain of causes and effects.

Au79

To understand gold, we must first reacquaint ourselves with natural systems, the elements, and basic natural law (physics) underlying all real economic activity.

Where does this chain begin? With the extraction, transportation, storage, and distribution of elements. More specifically, agriculture and natural resource extraction. This is the point at which price subjectivity is not yet present, rather man and nature working to produce the first surplus; a surplus that isn’t discretionary, but rather existentially demanded by the state of the real economy.

When distilling each of these distinct activities, we find a common thread: Harnessing, manipulating, or working with the elements always requires inputs of energy, labour, time, and information, which we call “input units”. In most cases, energy represents the majority of that input value (up to 70%).

What we are doing as participants in an economy is harnessing and exchanging surpluses and deficiencies of energy, which cannot be stored, over time. The term energy here doesn’t denote a specific source of energy such as oil or solar power, but rather the concept of energy as a surplus that can fuel work.

With this knowledge, we can quantify the long-run value of any good in the real economy through two steps: First, we break down the elemental constituents and calculate their respective cost in input units (primarily energy).

Secondly, we account for the “subjective” or “informational” value beyond that elemental cost. Predictably, empirical price history shows that over time, the subjective or informational value component of a good trends to zero.

In the real economy, these calculations recalibrate every day irrespective of the political, monetary, or labour system employed.

Gold’s Natural Monetary PropertiesGOLD (AU) EVOLVED INTO “MONEY” DUE TO PHYSICS, NOT ECONOMICS

By Roy Sebag and Joshua D. Crumb

Our human ancestors recognized these natural relationships and the friction inherent in exchanging one specific desired good or service for another (barter). They began to experiment with intermediate commodities that could bridge this quickly decaying energy surplus, which they recognized as the true recurring cost of any good or service in the economy.

As the state of the real economy prospered, such a commodity would become increasingly desired as a “commodity money”; interestingly, history indicates this was a process of trial and error, through millions of experiments with myriad commodities over thousands of years.

Of the 92 natural elements, there is only one that could have evolved as an intermediate “commodity money” representing an equivalent energy surplus, or energy proof of value to any good or service. This natural element would not only need to be rarer than anything else in nature, but also time superior by lasting longer, given that energy itself could not be stored.

This combination of relative rarity in nature coupled with immortality resulted in the natural evolution of using gold as money.

Gold is the rarest of mined elements on any meaningful scale, and has another equally important feature: immortality. Gold doesn’t tarnish, rot, evaporate, or decay; unlike an energy surplus or quickly decaying commodities, gold doesn’t have a lifecycle and for reasons unbeknownst to us, resists entropy.

Total gold stock ownership reflects billions of past exchanges enforcing the natural relationship over time.

Au79

Gold’s natural properties made it the perfect intermediate commodity (money) to bridge decaying energy.

Gold’s rarity is derived from that fact that its extraction absorbs more input units per mass than any other element or compound. Gold is immortal because it lasts while everything else (including the input units) diminishes over time; therefore, gold is always time superior to input units in any transaction within the real economy. As gold lasts forever, all the gold ever extracted grows in size over time as an increasing physical inventory (stock); conversely, input units representing the feedstock of the real economy diminish and have no equivalent stock or inventory to draw upon, as they must always be reproduced or reconfigured in the future.

Billions of people from varying geographies and cultures make up the ownership of this gold stock, having acquired their own portions in exchange for their own diminishing input units. Every day, they can decide to convert their gold back into diminishing input units, or convert the value of their newly earned surplus into gold, affecting that same gold stock. Each acquires or converts their personal surplus through varying levels of productivity, skills, time, and effort.

As the arrow of time is stretched and entropy in the system increases, there is an implicit reversion back the natural mean (that natural elemental ratio we discussed). Bringing it back to economic terms, this is why everything priced in gold is remarkably stable over the long-run, irrespective of what external measurement system is introduced – whether that external system is fiat money, bitcoin, or jelly beans.

It follows that gold is simply natural money. Borne out of natural law (physics) rather than economic or human decree, gold’s natural monetary properties allow it to better distribute price signals and an energy surplus in the real economy, leading to a more equitable human system.

Whether embraced by the majority or minority, gold works always and everywhere.

Gold’s Natural Monetary PropertiesGOLD (AU) EVOLVED INTO “MONEY” DUE TO PHYSICS, NOT ECONOMICS

Gold is a Good Store of Value. The Proof is in the Math.

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G O LD P RO TECTS P URCH A S ING P O WER O VER TH E LO NG RUN

The cost of life in US dollars over time

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

AverageSince2000

7

“As a store of value, gold is more stable and less volatile than

most people recognize – especially when measured against the world’s vast sea of 196 individual government-issued currencies.

8

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

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.

T H E W O R L D ’ S G O L D S AV I N G S & PAY M E N T S N E T W O R K

The Technological Evolution of the Gold Market

11

GOLDMONEY INNOVATION REMOVES FRICTION WHILE EXPANDING ACCESSIBILITY AND UTILITY FOR GOLD

- Costly and risky for average investor (shipping, storage & insurance costs)

- Unscrupulous actors (numismatics & other high margin, low metal value products)

- 3-5% premium to spot pricing from the bid or offer (6-10% round-trip cost)

- No utility, transfer, or spend capabilities

+ Very Liquid ( Buy / Sell)

- Avg. annual fee .5% + premium to spot (0.4%) + trading commission of $10-20 + brokerage custody fee (Assumes $2,500 investment, smaller investments carry much higher fees)

- Generally no ownership of underlying metal (paper security with increased risk)

- No utility, transfer, spend, or physical redemption capabilities

- Regressive product, better for elites vs. smaller drip saver

+ Fully allocated .995 bullion with full property rights under bailment law

+ Real time purchase + settlement via online + mobile as small as .001 grams

+ Free storage + insurance with Brink’s

+ Unprecedented pricing (0.5% of spot price as of Nov. 14, 2016)

+ Full transfer/settlement capabilities (send / request / spend gold)

+ Fast purchase + redemption with multiple currency + funding options

+ Redemption in physical gold +delivery option

Traditional Physical Gold Purchase

Gold ETF Investment

+

Gold Ownership Made Easyü Securing Users’ Purchasing Powerü Providing Reliable Savings Toolsü Innovating How Global Payments

Work

Gold Ownership Made Easy

F E AT U R E S

◆ 100% allocated gold savings◆ Easily build a savings plan (drip/recurring savings)◆ Send, request, shop, and donate globally with Gold

◆ No minimums or monthly fees◆ Free storage & insurance at multiple global vault

operations◆ Low 0.5% deposit/redemption fee (as of Nov. 14,

2016)◆ Free third-party issued Goldmoney Mastercard

Prepaid◆ Goldmoney fraud & purchase protection ◆ Goldmoney App for iOS and Android◆ Goldmoney Community & online support prepaid

W H Y C O N S U M E R S L O V E G O L D M O N E Y

Simplicity Security Flexibility

+ One account that lets you save in gold, transfer gold to friends and family, and shop online and in stores globally.

F E AT U R E S◆ Accept ecommerce, donation & subscription payments ◆ Powerful invoicing platform◆ Global payouts & payroll tool

◆ Process global payments from any currency for 1%◆ Store gold balance for free or redeem to your currency

for 0.5% (as of Nov. 14, 2016)◆ Customer & inventory management◆ Automatic settlement to your bank◆ Goldmoney App for iOS and Android

◆ Goldmoney Community & online support

W H Y M E R C H A N T S L O V E G O L D M O N E Y

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

◆ Hold up to nine currency balances◆ Purchase all four precious metals: gold,

silver, platinum & palladium

◆ Insured custody & storage at multiple global vault operations

◆ Comprehensive reporting & research ◆ Access to exclusive events ◆ Personal relationship manager◆ Dedicated phone and online support

◆ Exclusive third-party issued 18K gold Goldmoney Mastercard Prepaid

T R U S T E D P R I VAT E W E A LT H M A N A G E M E N T

Fully Reserved Your Metal Your Money

+ Safeguarding Your Wealth.Protecting Your Legacy.

F E AT U R E S

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“With Goldmoney, you’re not outside the regulatory system, but you do move outside the central banking system into a secure closed-loop account-based gold settlement network.

Goldmoney Inc. Financial Highlights

18

Revenue growing significantly Quarter over Quarter ($CAD) driven by user, purchase & transaction growth

As at Sept 30, 2016:

Working capital of $59.8M

Liquidity position of$61.1M

to satisfy $1.2M of liabilities

2.9

66.3

80.8

108.7 112.4

140.4

20

40

60

80

100

120

140

160

Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017

Mill

ions

($)

0.01

1.051.15

1.90

2.90

2.30

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

Mill

ions

($)

Gross Profit

SEDAR

Revenue Growth

Virality of a Healthy Network EffectM O R E T H A N 1 . 2 8 M G L O B A L A C C O U N T S I G N U P S … . F R O M M O R E T H A N 1 5 0 C O U N T R I E S …

W H O C O N T I N U A L LY I N C R E A S E T H E I R N U M B E R O F T R A N S A C T I O N S

*Goldmoney Network (Personal & Business)

0

0.2

0.4

0.6

0.8

1

1.2

1.4

Q1 2016

Q2 2016

Q3 2016

Q4 2016

Q1 2017

Q2 2017

Mill

ions

0

1

2

3

4

5

Q1 2016

Q2 2016

Q3 2016

Q4 2016

Q1 2017

Q2 2017

Q1 2016 Q2 2016 Q3 2016 Q4 2016 Q1 2017 Q2 2017

Africa Asia Europe

North America Oceanica South America

Cumulative Users with a Gold Balance by Region

(+37% QoQ)

+15%CAGR

Transactions per Active User

Cumulative Signups

% Growth in Recurring Deposits

Number of cards issued growing +8% MoM

Goldmoney Mastercard Prepaid Progress to DateT R A C T I O N A C C E L E R AT I N G : C A R D I S S U E S & U S A G E

Card load activity growing +6% MoM

Local point-of-sale: 80% ATM withdrawals: 20%

Distribution of Card Transactions

ATMTrx POSTrx

Cumulative Cards Issued

CHF USD GBP EUR

Card Loads in Gold Grams by Currency (GAU)

GAU->CHF GAU->USD

GAU->GBP GAU->EUR

21

Goldmoney set a new transparency standard for the financial services industry with the development and launch of the Real Time Audit, which displays live deposits, redemptions, and transfers made on the Goldmoney Network, along with a breakdown of client assets.

Real Time AuditT R A N S PA R E N C Y R E D E F I N E D

Jan-May 2015••Raises C$7MM••Commercial launch

of BitGold.com••BitGold IPOs and

commences trading on TSX Venture

••Acquires GoldMoney for C$51.9M

June-Aug 2015••Completes C$21M Bought

Deal Financing••Commercial launch in US••Former Head of PayPal

Canada, Darrell MacMullin named CEO••Name change to

GoldMoney Inc.••Gold-Settlement

Technology Links 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••Launches Business

accounts and payments••Completes Upsized

Financing from C$15MM to C$36.6M••Graduates to the Toronto

Stock Exchange TSX:XAU••Launches Gold Payroll for

Business platform••Surpasses 1M signups••Unifies BitGold &

Goldmoney brands; creation of GoldmoneyPersonal, Business and Wealth accounts.••Enters into Acquisition

Agreement with Schiff Gold LLC. and Marketing and Service Agreement with Peter Schiff

July-Sept 2016••Completes platform

unification and rebrand; establishes Goldmoney Network (Business & Personal) and Goldmoney Wealth businesses

••Sets new transparency standard with launch of Real Time Audit

••Accelerates direct-to-bank value settlement for 87 countries and 44 currencies

••Launches PayPal integration and exclusive vault for users in the U.K. and Europe

Significant GoldmoneyMilestones

22

23

• Liquidity position of $61.1M (as of Sept. 30, 2016)

• 69.2M shares outstanding; 4.9M warrants & options outstanding

• $67.8M total capital raised (as of Sept. 30, 2016)

• $36.6M in bought deal financing (Feb. 2016)

• $59.4M acquisition (11.1mm shares issued) of Goldmoney (July 2015)

• ~$5M acquisition of Schiff Gold: 1.06M shares + 1.4M warrants (as of Nov. 14, 2016)

T H E N U M B E R S – C A P I TA L S T R U C T U R E

Goldmoney Inc. graduates to the Toronto Stock Exchange

in less than one year.

Capital Structure, Financing & Analyst Coverage

Analyst Coverage

§ GMP Securities – Stephen Boland§ Clarus Securities – Noel Atkinson§ Mackie – Nikhil Thadani

Founders and Boardown and control more

than 26M shares

Top ExecutivesThe 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, and macroeconomics.

FOUNDER & CHIEF STRATEGY OFFICER

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

CHIEF FINANCIAL OFFICER

Katie Sokalsky

Former auditor, PwCFinancial services expertise

Goldmoney Inc. Board of Directors

LEAD DIRECTOR FOUNDER

James Turk

DIRECTOR

Hector Fleming

DIRECTORCHAIRMAN OF AUDIT COMMITTEE

Mahendra Naik

DIRECTOR

Leslie D. Biddle

DIRECTORCHIEF STRATEGY OFFICER

Josh Crumb

DIRECTORCHIEF EXECUTIVE OFFICER

Roy Sebag

26

334 Adelaide St. West 3rd Floor

Toronto, OntarioM5V 1R4 Canada

Investor Relations:

Jacquelyn Humphreyir@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.