Bit Gold Investor Presentation

1

A GoldMoney Company

GoldMoney Inc.

Caution Regarding Forward-Looking Information

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.

Everything about how commerce works is in flux…

• how and where people shop; • how businesses sell to consumers; • how people move money;• how people interact with financial institutions; • the very nature of money itself.

Every one of these things is being reimagined on a global scale.

GoldMoney Inc.

What is Gold?

…Gold is Money without Borders

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

commodity value over time relative to costs like food and energy that we

require as humans, making it one the most important savings tools for

most of the human population”

GoldMoney Inc.

USD AUD CAD CHF CNY EUR GBP INR JPY

2000 -3.0% 14.8% 1.9% 3.0% 7.5% 6.6% 4.7%

2001 2.0% 12.3% 8.7% 6.5% 8.8% 5.0% 5.4%

2002 24.7% 13.3% 22.8% 5.7% 6.4% 13.1% 23.9%

2003 21.1% -8.5% 0.6% 7.6% 1.7% 9.9% 14.8%

2004 5.4% 1.4% -2.1% -3.5% 13.6% -3.1% -2.4% 0.5% 3.7%2005 20.0% 28.9% 15.4% 37.8% 21.3% 36.7% 33.0% 24.2% 37.6%2006 23.0% 12.6% 23.0% 14.2% 18.7% 10.6% 8.3% 20.8% 24.4%2007 30.9% 18.3% 12.1% 21.7% 23.3% 18.4% 29.2% 16.5% 22.9%2008 5.6% 31.3% 30.1% -0.1% -2.4% 10.5% 43.2% 28.8% -14.4%2009 23.4% -3.0% 5.9% 20.1% 23.6% 20.7% 12.7% 19.3% 26.8%2010 27.1% 13.3% 21.3% 15.4% 22.8% 37.1% 31.4% 22.3% 11.4%2011 10.1% 10.2% 13.5% 11.2% 5.9% 14.2% 10.5% 31.1% 4.5%2012 7.0% 5.4% 4.3% 4.2% 6.2% 4.9% 2.2% 10.3% 20.7%2013 -28.3% -16.2% -23.0% -30.1% -30.2% -31.2% -29.4% -18.7% -12.8%2014 -1.5% 7.7% 7.9% 9.9% 1.2% 12.1% 5.0% 0.8% 12.3%2015 -5.0% 9.7% -6.9% -6.9% -2.4% 3.4% -3.7% -0.9% -4.9%

Average 10.2% 9.5% 9.5% 7.3% 8.5% 9.9% 10.9% 12.7% 11.0%Total 162.5% 151.5% 151.3% 116.7% 101.6% 158.7% 174.6% 203.8% 132.2%

Over Time Gold Outperforms as a Store of Value vs Fiat Currency

GoldMoney Inc.

Money as a Technology

Designed to be an efficent exchange of value

GoldMoney Inc.

Modern Day Money 1.0Banknotes backed by Gold

GoldMoney Inc.

Modern Day Money 1.1Fiat currency — Cash backed by other sovereign cash, debt, gold

GoldMoney Inc.

Modern Day Money 2.0Heavily leveraged to CreditDigital fiat ledgers; fast and convenient, negligible interest on depositsThe Rise of #FinTech

GoldMoney Inc.

Modern Day Money 3.0The Need for An Optimal Currency for Global Commerce

“Gold is a significant percentage of global base-money,

owned in every country & across every income segment,

but with no modern ‘banking’ or payment apps.”

GoldMoney Inc.

Modern Day Money 3.0An Optimal Currency for Global Commerce

We Have this opportunity at BitGold!A digital platform that connects global users physical-gold to global payment rails with real time settlement—enabling self directed savings and payments…

…A Global Operating System for Gold

GoldMoney Inc.

Corporate OverviewGoldMoney Inc.

Focus Matters

The Convergence of Gold and Technology to become one of the fastest growing FinTech companies globally of 2015

GoldMoney Inc. is a mission-driven Canadian Corporation. delivering full-reserve financial services powered by our innovative real-time gold settlement technology.

We believe their is a strategic benefit to showcase how leading fintech companies can work with banks. 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, we are pro Canada and seek to build a solid foundation with local financial partners.

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.

Capital Structure & Financings

54.5mm shares O/S following completion of GoldMoney acquisition and June financing

▪ 7mm warrants & options (3.9mm warrants forceable at C$1.35 strike)

▪ Founders own and control over 20mm shares and continue to invest in

▪ Other Key Investors include the The George Soros Family and Eric Sprott

▪ $21.0mm in bought deal financing in June 2015, backed by Albert Friedberg,

▪ Completed $59.4mm acquisition (11.1mm shares issued) of GoldMoney in July 2015

▪ First consolidated BitGold-GoldMoney operating financials in Sep 30 quarter

▪ $30 million in cash & liquid assets (~$5 million additional post warrant exercise)• No material liabilities, obligations or encumbrances• Quarterly Net cash expenditures of $2 million

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 Inc.

BitGold is a self directed platform to purchase, store, save, spend and send gold payments instantly

Buy GoldWithin 1% of official gold price

Spend GoldAt any point of sales with a GoldMoney PrepaidCard

Store GoldOver 10 physical Brinks locations

GoldMoney Inc.

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

Multi-Disciplinary TeamThe 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

GoldMoney Inc.

Central Bank

$5.5 BillionBitCoin Total Value

$6.5 Trillion$70 Billion traded daily

Gold Total Value

Bitcoin BitGoldVS. VS.

✓ Gold outperforms every 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

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

(money leveraged - credit) • Open networks • Inflation / Value Risk

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

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

but you do move outside of the banking system that provides less friction

for global payments. A Gold based ledger is a better ledger than fiat

currency for global internet commerce.”

GoldMoney Inc.

Customers access one global platform over

the internet using PC, Mobile, and connecting

existing payment networks

Legal, Compliance,

Audit

•Third Party Audit •Bank-Level AML/KYC•Tax Lot Accounting

Aurum

BitGold ”Aurum” Digital Ledger IP & Technology is a leap forward indemocratizing the access of Gold

Aurum Proprietary Global Pricing Ledger & ExchangeConsolidated feed from Counterparties quoting Bid/Ask Spreads in each Vault Location 24/7

Global Vault OperatorsProvide Security, Storage,Transportation, Insurance, Accounting, Redemption

Global Digital Value ProcessorsBank ACH, SEPA, Debit, Visa, MasterCard, China Union PayBitcoin, Interac, Wire

GoldMoney Inc.

3 Horizon Framework for Growth & Innovation

01

02

03

Reinvent Gold Buy / Sell ProcessNear Instant payment and settlement from any fiat currencyEnable Gold Savings accounts & deposit base ecosystem

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

Gold OS — Merchant NetworkEnable BitGold Global Business PaymentsDistributed API Gold Rail into ecomm, invoice, & payment platforms

GoldMoney Inc.

1• Modernize Settlement• Democratize Gold Savings• Build a Global Gold Ecosystem

EXECUTION

Reinventing the Gold Buy/Sell Process

GoldMoney Inc.

The Friction that exists in Buying Gold

ETF

Initial purchase fee（0.66%+） Costly for average investor Storage, Insurance & Transpiration

MER fees (0.4%） Long Settlement 5-7 days Delayed period to ownership

Not easily transferable

No payment system No payment system

Generally no ownership of underlying metal Premium to spot price

Liquid

Inefficient, Expensive, ineffective payment system

Gold

Low fee (1% of spot)

No storage cost

No Insurance cost

Payment system

Affordable—no minimum, fractional amounts

Redeemable in physical gold

Liquid

Efficient, inexpensive, Plug-And-Play

GoldMoney Inc.

How BitGold WorksSimply Powerful

Bank Transfer Bitcoin Visa Debit Credit Card China UnionPay Interac

Deposit Funds from a Variety of Sources

Deposit Funds into the Vault of your Choice

Toronto, New York, London, Zurich, Dubai, Hong Kong, or Singapore

Funds In

1%

GoldMoney Inc.


Deposit Funds from a Variety of Sources

Funds In

1%

GoldMoney Inc.

GoldMoney Inc.


Bank Wire Credit Card Physical Gold

Redeem/Sell Physically or Electronically

Funds Out

1%

GoldMoney Inc.

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

Multiple Deposit OptionsCash via BitGold ATM, Bank Wire Transfer, All Major Credit and Debit Cards, China UnionPay, INTERAC, and SEPA

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

Storage Fees on UsFree storage at private vaults secured by Brinks in Dubai, Hong Kong, London, Singapore, Toronto, and Zurich, among others

Fully Insured100% insurance coverage on your gold value through the London market by The Brinks Company

Tax ToolsUsing gold for payments may generate a taxable gain or loss depending on your country of residence. We provide a tax tool for end of year accounting in local currency

Removing Friction to access the world best performing currency

True Gold Ownership + Utility

BitGold Summary of Monthly KPIs – November 2015BitGold users total is now 517,086 from over 150+ countries. 21% increase MoM

Net Gold Deposits on the platform are now over 380k grams (approx $17.5 million CAD)Transaction growth on the BitGold platform is more than 560k grams….nearly 1.6x for every deposit

33,014

62,629

168,002

242,264

323,034

427,238

517,086

0

125,000

250,000

375,000

500,000

May June July Aug. Sept. Oct. Nov.

Cumulative # of global users

28,881

78,883

153,109

243,427

346,733

446,542

563,461

0

125,000

250,000

375,000

500,000


Platform Transaction Volume (Au Grams)

24,377

63,555

118,207

180,366

245,879

302,426

380,364

0

125,000

250,000

375,000


Gold Deposit in Vaults(Au Grams)

GoldMoney Inc.

Threshold to Relevance - First 1 Million users

Threshold to Relevance - First 1 Million usersOutpacing in first 6 months of growth with users in 100+ countries

GoldMoney Inc.

2INTRODUCING PAYMENT OPTIONS

EXECUTION

Extend our Value Proposition to Customers by

GoldMoney Inc.

Driving Ubiquity, Utility and Accessibility of Gold for Payments

GoldMoney Inc.

Money Transfers – More than $600B of remittances money goes around the world.

Average Transfer = $200Average Cost to send = 7.6%Source: World Bank

GoldMoney Inc.

Welcome to Money without Borders – Send Money using Gold

Use Gold as a Payment Rail1. Sender uses local currency from bank, credit or debit card to buy Gold

2. Gold stays in vault. Title is transferred from sender to receiver 3. Receiver Keeps Gold or converts to the currency you want for only 1%

GoldMoney Inc.

Bringing it All Together

GoldMoney Inc.

Strong Business Model

✓ Large market opportunity✓ Transaction-based revenues✓ Efficient customer acquisition ✓ High operating leverage✓ Low capital requirements

A Great Standalone Business

✓A large and growing opportunity in Gold Buying and Savings✓Global Framework to address a Global market opportunity ✓A strong leadership position ✓Technology Competitive advantages in platform, pricing and global scale

Rapid User and transaction growth

Exponential transaction utility

GoldMoney + BitGold = unparalleled operating system for Gold

GoldMoney Inc.

The internet is transforming from an internet of communication to an internet of value, or “internet of money”. This transformation will have profound effects on

the financial services industry by democratizing access to the global economy, potentially integrating up to 4 billion un-banked and under-banked over the next 25 years. This transformation provides opportunity for leadership in linking the

growing market for digital-transactions to gold, a globally neutral asset uniquely positioned to secure digital values and empower individuals.

Are You In?

GoldMoney Inc.

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

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

GoldMoney Inc.

To execute on our mission and grow a long term business sustainably, thus maximizing long-term shareholder value, we must alwaysinvest in our clients and the security and integrity of our network. The GoldMoney network and the shared business architecture through the platform is designed to follow 3 core principles:

Putting client interest first• We seek a network-growth business model where we deliver more value to each customer than we expect to earn in return; where the

long term return on investment in customers provides returns to all network stakeholders with increasing efficiency, productivity, and scaling transaction income growth

Know our clients, protect from money laundering, protect clients & the network• The GoldMoney network is a closed network built with decentralized checks and balances and unlike bitcoin or other crypto currency

networks, the closed ledger network of BitGold allows for KYC protections that help prevent money laundering, fraud, and consumer

• The closed network approach allows GoldMoney to operate within regulatory requirements and integrate safely with partners in banking, dealing, payment networks and vault services

Full-asset reserve services, minimize exogenous risk for all users of the network • We believe core savings and payments services can operate using gold and technology without the need for fractionally reserved

deposits or securitized IOUS

Common Values & Network Principles

Bit Gold Investor Presentation

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