THE LOGIC AND WISDOM OF PRECIOUS METALS a guide for investors and buyers

clear, logical purchase processes that uphold everyone’s best interests • satisfying, expedient transactions that build relationships and trust The Logic and Wisdom of Precious Metals a guide for investors and buyers

Our mission is to be your trusted source for precious metals. We have a long-term, well-capitalized business model. We maintain strong relationships with the worlds’ mints and other suppliers to help our customers through stability and change.

Our customers find us reliable and responsive: your order will ship within five days of payment clearance from our distribution center in Calgary, .

INCLUDING

3 is REAL

5 a Time for Gold

7 an Even Greater Time for

8 The Wisdom of Diversifying Beyond “Account”

9 forms and Pricing of Precious Metals for

12 security, Privacy, Authenticity, Storage

14 Purchase Processes

15 next Steps

15 Learn More

16 Who We Are

We look forward to connecting with you • Call (877) 646 5303 • Visit silvergoldbull.com • Write [email protected] The Logic and Wisdom Gold is REAL Money of Precious Metals Throughout history, no paper Have you ever wondered where the a guide for investors and buyers currency has survived the test of credit card company or the time. Paper currencies have always gets the money to give you to buy been inflated until they eventually a house or groceries? They openly become worthless. The purchasing acknowledge that they do not have power of the US dollar has declined that money before you spend it. by 98% since 1913 and, unfortunately, They do not use deposits from savers the situation is similar for all other (if here is anyone left trying to currencies. People bought homes save money in a bank). Instead, you in 1913 for a few thousand dollars spending the money allows them to – or a few hundred of gold. type it into existence. It is surprising. Now people spend hundreds of Not only can governments create thousands or millions on a home or money out of thin air by printing or the same few hundred ounces of typing it, can too. In fact, gold. Why? Whether it be for war or most of the currency in existence just excessive spending, governments was not created by central banks and central banks can never resist but by regular, everyday commercial printing currency – or these days banks. They are not supposed to “typing it into existence” – to pay for make too much, but the only thing debts. No one can print gold. really stopping them is convention and some oversight from colleagues. There is also the threat that people will catch on and decide to trade one currency is money inflated currency for a better form that has lost its ability of money. Yet for the first time in to store value history, all the currencies are inflating at once.

We look forward to connecting with you • Call (877) 646 5303 • Visit silvergoldbull.com • Write [email protected] 3 Gold is the only currency which has a currency-dependent form is at risk no liability attached to it. While all of losing it all. Anyone who holds paper currencies now come from physical precious metals can benefit debt, the value of gold comes from from the largest wealth transfer in the natural limits on its supply. No history. matter what collapses, nothing can make your physical gold wink out Gold has at all times represented real of existence the way savings and wealth as well as being a medium of investments can. exchange. “Old money” has always maintained a portion of its wealth in gold because it is one of the safest and most attractive investments for the supply of storing and preserving wealth. physical gold is finite Our way of expressing this is to as long as it is pure, its “build your wealth in ounces”. value cannot be diluted

Gold has been real money for several thousand years. When paper money fails, people who own gold still have a type of money which holds its value when banks are bankrupt. Iceland is a recent example of how paper currency can lose its value overnight. With the massive debt levels and money printing in all countries, including the USA, Canada and the UK, the risk of a default everywhere is high. Anyone who holds wealth in

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Low Interest: A Problem for Savers High Currency Supply Global Entanglements

The risk of storing wealth in any Currency supplies are increasing The world monetary system used kind of account – 401ks, RRSP’s, exponentially. Central banks and to be backed by gold. If you had mutual funds, , bonds or governments of the world subscribe enough currency, there was a way savings accounts – is dwindling to the belief that they should for you to redeem it for gold. If you value. As Savers became Investors, encourage the creation of massive felt your currency was losing its they learned that they have to amounts of their currencies for purchasing power to , you earn enough on their account-type economic stability and growth. The could exchange it for another more investments to compensate for amount of gold and silver that exists stable currency in a neighboring inflation. For some time, it has felt in the real world is much more stable country or for gold or silver. In the like the necessities are getting more than the amount of currency that mid 1900s, the nations of the world expensive despite positive news exists electronically. Gold is a more agreed to tie their currencies’ value reports to the contrary. It feels like reliable point of comparison for to the US dollar. Why? After their war our accounts are losing value faster value than currencies when currency spending, no nation had a significant than their increases can compensate. supplies are high and volatile. amount of gold left. They didn’t want We are not Wall Street speculators. each other’s worthless currency Our dreams are to retire well or own Traditional investments however, they did want to trade with a business – to be with, enjoy and haven’t turned out as each other. In contrast, the US dollar help our friends and family. We want people thought. was backed by gold. The US had more fulfilling lives. We want to feel accumulated the biggest share of the in the face of an unknown future. 401ks, RRSP’s, Mutual world’s investment gold during World Storing wealth securely is the way Funds, Stocks, Savings War II. Tying to gold through the US we can choose the time and place to Accounts – wherever we dollar was a compromise that helped invest in what matters: people. When try to accumulate and nations feel confident about doing the purchasing power of account- store our wealth, people business together again. Until quite type investments is eroding in a low lose value to inflation recently, it has been necessary to use interest economy, people turn to while incurring fees the US dollar to buy oil. Even after gold. and the increased risk the US disconnected the dollar from gold in the early 1970s, every country of an unexpected loss. still needed the US dollar to buy oil.

We look forward to connecting with you • Call (877) 646 5303 • Visit silvergoldbull.com • Write [email protected] 5 This is where we get the phrase artificial economy. This makes “the US dollar has been the world’s predicting its daily movements reserve currency” and the term both impossible and moot. Owning “petrodollar”. Unfortunately, we are gold for the longer term is a way to profoundly effected by that which disentangle from unfavorable global we do not influence. Respectively, changes. Russia, China, , Brazil, South Africa and others are developing ways to trade for oil and to do other Price Manipulation business easily without the use of the US dollar. It is easy to make a decision about buying precious metals without BRICS necessarily being convinced about stands for Brazil, Russia, price manipulation. Why? India, China and South If there is a manipulation (and there Africa which are probably is), it favors buyers of industrialising countries, precious metals. Some argue that distinguished by large, prices are artificially fastgrowing economies suppressed. Others argue that they with significant are not meaningfully manipulated. But few argue that precious metal influence (3 billion prices are higher than they should be. people and $16 trillion The range is from prices being too annual GDP) low to being at expected levels. That’s It seems likely that the US dollar why one can be curious about is about to lose popularity and all whether precious metal prices are the currencies tied to it will have artificially suppressed and still decide their value questioned. Gold offers to invest in them. At worst, they are a basis for storing and comparing unfettered. At best, their value will value when no one knows what will get an extra boost at the end of any happen next. The world economy is manipulation. so entangled that it is arguably an

We look forward to connecting with you • Call (877) 646 5303 • Visit silvergoldbull.com • Write [email protected] 6 An Even Greater Time for Silver of these factors will drive the price of For much of history, it took roughly silver up. 16 ounces of silver to by one of gold. Recently, it takes 60 ounces Silver is more undervalued than gold. Silver is used in industries at a or more of silver to buy an ounce Like a more tightly coiled spring, it greater rate than gold, and is more of gold. Why? This would suggest is expected to make more dramatic often unrecoverable. While there that the prices are artificially gains than gold. Silver is especially is gold in electronics, there is even influenced. Whatever the cause, attractive to those who want more silver. There is no substitute when the difference is corrected, this ambitious gains to magnify and to for the many new uses of silver adjustment will add to the value of protect their wealth. The differences in medicine, solar energy, water silver as an investment. With other between silver and gold work in purification, food packaging and types of money unavailable and favor of silver suddenly gaining clothing. There is also unprecedented gold being so valuable, this makes unprecedented purchasing power. pressure on mints to handle record it more difficult to imagine using it Here are some of the reasons why. high orders for Silver Eagles and for everyday transactions. It is easier Silver Maple Leaf coins. At some to imagine using silver. After all, the Surprisingly, less silver is available point, it appears likely that these and dimes and quarters in use in North than gold. While gold is more rare related factors will also drive prices America were mostly silver only below ground, there are far fewer up. a few decades ago. As with ounces of silver available above the price manipulation, it is possible to ground. Silver is getting used up prefer silver without agreeing with faster than we are it. New every assertion about why silver deposits are not being located and is so within reach and easy to buy the surpluses that have been used to Silver to Gold Ratio presently. Although gold is probably less volatile and more traditional meet demand are decreasing. Low A ratio was stable at than silver, for hundreds of years, precious metal prices are slowing 16 ounces of silver to mining production, therefore further the value of a whole days’ labor has 1 ounce of gold reducing available silver. The United been about 1/10 of an ounce of silver. for thousands of years States Geological Service (USGS) For now, a minimum wage worker and yet now it is . has reported that silver may be the 60 to 1 can buy that much silver working first element to go extinct due to fewer than 30 minutes. Silver attracts the difficulty accessing the world’s young, incremental investors who are remaining sources of silver. At some excited by the apparent enhanced point, it seems unavoidable that each potential of silver over gold.

We look forward to connecting with you • Call (877) 646 5303 • Visit silvergoldbull.com • Write [email protected] 7 The Wisdom of Diversifying They are accruing fines for improper Small Investor Strategies Worldwide Beyond “Account” Investments behavior. Too many people find the purchasing power of account-type Individuals and families all over the investments dwindling over time even world, not just in North America, have One reason people keep their wealth if their size increases. We want recently been buying considerably – the stored value of their hard work to believe that our pension accounts more silver and gold. They are not – in an account instead of in their have been protected, but question gambling for short term gain or personal control is protection from whether those in control of the “speculating” as it is often called. theft. But there is still a risk with any accounts are taking undue risks with While there are reasons to believe gold “account”, no matter how trustworthy our money to make gains despite low and silver are about to gain historically the institution and no matter how low interest rates. unprecedented purchasing power, the fees and taxes. This risk is known these small investors are buying as “dwindling value”. It is a good time for physical assets. precious metals to store their wealth Real estate is great when it is for the long term. They own precious When people lose faith in accounts affordable and local conditions are metals so they can choose a time and of all kinds to store their wealth, stable. If a home suddenly loses place in the future to use their wealth they tend to invest in actual, physical “market” value, it is still good for living for themselves. assets like real estate, precious metals, in. Storing wealth in gold and silver equipment, and natural resources. is wise as well. Unlike real estate, you A Safe Haven When what you buy or invest in has can take precious metals with you. real value in your life regardless of how If you need to wait out a tumultuous Gold and Silver are inversely much currency it can be sold for, that time, you can store wealth as silver correlated with traditional assets. In value has some immunity to inflation and gold. Then, you can either use it a stable market, when other types and transitional times. The one asset directly or convert the gold and silver of investments go down in value, class that has held its value against to a new currency and reestablish a precious metals tend to go up. When inflation and economic uncertainty is good life once conditions improve. asset bubbles burst, gold and silver precious metals – especially gold and tend to go up rapidly, too fast to silver. respond.

With account-type investments, there That is why the main strategy around are some causes for concern. Fees are precious metal investing is the “safe high. The various companies involved haven” strategy. It’s not “buy low and seem unstable requiring “bailouts”. sell high”. It is “buy low and keep.”

We look forward to connecting with you • Call (877) 646 5303 • Visit silvergoldbull.com • Write [email protected] 8 Forms and Pricing of Precious case one wants to break off a small, Precious Metals help Metals for Investment precise amount of precious metal for protect wealth in a transaction. Jewelry has some uncertainty, in times of overlap with precious metal low interest rates and Forms of Precious Metals investment, as does the practice of high currency supply. selecting coins for their rarity Investment in gold and silver can be value beyond their made by purchasing bars, rounds, and mintage. This is known as coins, wafers or jewelry. Bars and numismatics, seminumismatics Using the language of the economic wafers can be produced by any : or coin collecting. news media, more and more respected makers generally stamp people believe there is unavoidable their identity and the purity of the trouble ahead before we will metal right on the bar or wafer. Selecting a Form that Suits You have a “recovery”. That trouble is Rounds can also be made by any often referred to by experts as an mint and are typically stamped with Generally, the larger the size of bar, “adjustment”. They sometimes say beautiful and meaningful designs. wafer, round or coin, the less you you can reduce your “exposure” Given that they are similarly shaped, pay per ounce. The manufacturing to the “adjustment” by increasing what is the difference between a of 20 bars/rounds/coins weighing your “position” in gold and silver. round and a coin? The difference is 1/20th of an ounce each is more In other words, you can disengage that coins are only made or “minted” expensive than making a single one- from the turmoil by switching to under the auspices of a national ounce bar, round or coin. Precious gold and silver. We are passionate government. Besides being bullion- metals are sometimes measured in about helping individuals protect quality precious metals, coins are grams but more often in troy ounces. and keep their hard earned savings. also . The face value on A troy ounce is 31.1 grams instead of While we do sell bullion, our business a coin is generally much lower than the ounce we are used to in other could also be considered safe haven the value of the bullion it is made contexts (the avoirdupois system) strategy support. with. Coins, rounds and bars are all which is 28.3 grams. Bars, rounds considered bullion. There are other and coins are available in sizes as innovative forms of precious metals. large or larger than 1 kg or 100 oz or There is a credit-card-sized wafer of in sizes as small as a gram or 1/20th gold, silver, platinum or palladium of an ounce. Many people like to buy that breaks apart neatly into 50 smaller sized bars, rounds and coins. one-gram pieces. This is useful in Some people can imagine wanting to

We look forward to connecting with you • Call (877) 646 5303 • Visit silvergoldbull.com • Write [email protected] 9 trade or cash in smaller amounts of Numismatics or Coin Collecting precious metals when it comes time to use them. People who select larger A numismatic coin is a limited coin bars, rounds and coins generally aim American Gold Eagles intended to be collected. A much to get the best value. We are a good contain a full troy ounce greater portion of the looked-for match for those who want either or of gold as well as some value in a numismatic coin comes both. silver to make them from its popularity based on its rarity more robust and less and other qualities unique to the We reveal our prices and our prone to damage. coin. Compare that to a , knowledge of the nuances of mark- the value of which relates mainly to ups to help everyone find his or her its precious metal content. While own best strategy. We love small it may require more specialized orders too. We have no minimums. knowledge, experienced collectors Relationships are what matter and Bullion Jewelry take great pleasure and can enjoy starting them well is worthwhile. great returns independent of market Much of the value of a piece of movement. jewelry is in its design, not just the Coins versus Rounds amount of gold or silver it contains. Worldwide, gold and silver are gifted Coins tend to cost slightly more than and treasured as a store of wealth. rounds of the same size and purity Some people feel they can travel made by private mints. Many people wearing their wealth more easily and While copper is not a choose coins anyway. Some people discreetly. For this reason, there is precious metal, it is enjoy even greater confidence a new category of jewelry gaining beautiful. We offer it in in bullion coins because several popularity: 22 karat gold bullion response to customer government mints have high quality jewelry. It is of high purity, simple demand and we feel it standards. (We only deal with the design and created to cost as little as should be regarded as world’s finest mints, both public and possible over the price of the gold it collectable rather than a private.) Simultaneously, those who contains. Many people prefer jewelry. . choose coins over rounds believe Some people feel more comfortable that their recipient will also feel crossing international borders with confident when the coins change jewelry as well as (or instead of) hands again. bullion or money.

We look forward to connecting with you • Call (877) 646 5303 • Visit silvergoldbull.com • Write [email protected] 10 Inventory is Reliable might keep in mind the spot price Why do we buy and buy back? of an ounce of gold when shopping Our business model includes having for a coin containing an ounce of gold We offer a two-way market. We have a large of inventory on hand (like a gold Maple Leaf). happily accepted every request to buy so that we can ship orders quickly bullion from anyone. When we are – no matter the size. As buyers, we selling bullion, we are always explicit understand wanting shipments to about whether a product has been come quickly from a supplier who has “spot” prices owned before or is straight from a the precious metals in stock. are the acknowledged mint. When we buy bullion back, base lines for market our processes for determining its Pricing of Precious Metals pricing of each of the authenticity are rigorous. precious metals and How can you see how much a product they change constantly Our customers do sometimes want or an order will cost? We show the to trade us one form for another, for up-to-theminute prices on our website The difference between the spot price example larger bars for a variety of for the products we offer with a for an ounce of gold and our price for smaller bars/wafers/rounds/coins shopping cart system to collect your a gold Maple Leaf, in this example, that someone feels might be order and review your total. We offer is called the “premium”. By clearly more easily used. A “trade” is two an all-in best price guarantee so you revealing these prices, we add stability transactions: a sell and a buy. have confidence that your research and predictability to the decision- is sufficient and effective. There are making processes of our customers. Another reason we are willing to buy no hidden fees nor commissions. The back the bullion we have sold is to price you see is the price you pay. help our customers trust that they The only additional charges are for have a reliable place to trade their shipping. precious metals for currency should A premium is the need come up or the timing be To offer maximum clarity and ease of the mark up or the cost right. price comparison, we reveal both the above the market price “spot” price and our products’ price (or “spot price”) of the on the same page. When people shop precious metal content for precious metal products, they of a bullion product often use the spot price as a point of comparison. For example, a shopper

We look forward to connecting with you • Call (877) 646 5303 • Visit silvergoldbull.com • Write [email protected] 11 Security, Privacy, Authenticity, (except perhaps via identify theft). but are not prepared to house Storage Storage in a bank safety deposit box them all (for example, in a safe at causes doubt, too. It exposes one to home). It is possible to store bars, rounds, coins and wafers at a private Security the risk that an insolvent bank or a depository, nearby or further away. bank during a run or “bank holiday” Working with top industry partners will confiscate or fail to give you The first question of security is “what whose customers can easily keep is the threat?” Owners of precious timely access to your property. What their wealth in multiple locations metals enjoy a natural immunity from are the optionsavailable to mitigate on multiple continents helps us many threats, especially “counter- these threats? extend our reach. In a case where party risks,” but have to take steps to people find the stability of their secure them from others. geographical area to be uncertain, Common Sense Measures it could be appealing to ship to a foreign depository. When you are Counter-Party Risk People who want to keep their ready, you can have the depository There are so precious metal and valuables ship your precious metals directly to many companies, in their physical control have to you. Under financial and political duress, banks or governments departments and consider where to keep them. They may consider safes, obscuring the have been known to be tempted to institutions that must location of valuables, waterproof illegally take the contents of bank function in order for you storage, the deterring of metal safety deposit boxes. An advantage to get the value of or detectors, do-it-yourself to a private depository over a bank the benefit from your installations, fire-proofing, decoy safety deposit box is the expectation investment, pension or safes, etc. They consider whether to that, in case of instability, your property will be secure and available account. The risk that tell anyone and, if so, whom. They use their common sense, perhaps to you. one of these will fail and choosing multiple options. People alienate you from your are quickly getting reacquainted money is known as with the need to think along these Privacy “counter-party risk”. lines. Three common topics related to privacy are information security, Something that can be said for Depository Storage sanctity of contact information and reporting compliance. Effective use accounttype investments is they Storage is an for those who of technology is one of our strengths. cannot be destroyed in a house fire are ready to own precious metals We store our information on servers or stolen by a break and enter thief

We look forward to connecting with you • Call (877) 646 5303 • Visit silvergoldbull.com • Write [email protected] 12 we physically control. We continually and harder to fake. Our verification to be sure you are more than satisfied. prepare to meet data security processes when we buy precious We want to know people are loving challenges, recently deploying metals from the public are rigorous. As building their ounces with us. Here advanced security measures including mentioned, we are always explicit on is how we know. We have earned a extended validation SSL and perfect our website about whether a product Better Business Bureau A+ rating. forward secrecy. When it comes to has been owned before or is straight Also, we receive and publish enormous marketing communication, we may from a mint. amounts of customer feedback to stay communicate with you with your receptive and responsive. We would permission. Reporting requirements be delighted for you to read this on bullion transactions are modest. The Advantages to You feedback to see what you can expect Bullion transactions would be reported out of a relationship with us. if they involve cash over $10,000. No Our vision is of an alliance with our report on transactions involving single customer to help you build your checks or bank wires is required. As ounces and love doing it. Key elements regulations change, we plan to be of that experience are our attention compliant with compulsory reporting. to detail, best prices and diversity We will contest any government of selection. We are fanatical about request for your data that is outside getting your order right so you can their legal authority. For your privacy, have peace of mind. We keep margins any shipments we send are obscurely low with efficiency making our best labeled to give the least possible price guarantee easy to offer so you indication of their contents. We get the best price. The breadth of actively engage in privacy protection. our products and our responsiveness to our customers’ requests will make your decisions fun. On our website, Authenticity you can make an order any time, day or night, when you are at your best The primary way we ensure for shopping. The growth we have authenticity is through trusted experienced has been satisfying. partnerships with mints who have We take it as a good sign that our impeccable reputations to uphold. customers are happy. And yet we want Because of the qualities of precious to be as receptive and responsive to metals, they are easier to verify our customers as possible. We want

We look forward to connecting with you • Call (877) 646 5303 • Visit silvergoldbull.com • Write [email protected] 13 Purchase Processes Selecting Your Products Remitting Payment Most people begin at our website. Once an order is locked in, we 1Y ou can use it to build your order 3need to receive your payment A typical first purchase involves the in an online shopping cart to see your in a timely fashion (sent within two following steps in this order: total and get a quote for shipping business days). There are several costs. Our site makes comparisons choices for paying for your order. 1. Selecting your products easy. We are happy to talk with you on the phone to help think everything Worldwide: 2. Locking in an order to confirm the through and also to accept and lock price in your order. Please consider the • wire transfer shopping cart to be an estimate until • Bitcoin 3. Remitting payment the order is locked and the price 4. Awaiting payment processing and confirmed. Additional Choices in North America: clearance • PayPal 5. Receiving shipment notice(s) with Locking In an Order to Confirm • mailing check, draft, or money tracking information the Price There are two ways to order 6. Receiving your shipment 2lock in an order: • over the phone during business Additional Choices in Canada: hours or • on our website any time day or • BillPay in branch or online night, on any day of the year. • Interac • pre-authorized debit You either tell us you are ready on • direct deposit the phone or you can use the online button “submit and lock my order”. That is the moment we are obligated to fulfill at that price and you are obligated to go forward with the order.

We look forward to connecting with you • Call (877) 646 5303 • Visit silvergoldbull.com • Write [email protected] 14 Awaiting Payment Processing Next Steps Learn More and Clearance Most forms of 4payment reach us quickly and There is a step you can take any time It is true the best investment anyone clear in one to three days although to make an upcoming purchase easier. can make is in his or her own mailed payments and direct deposits You can establish a free account (user education. We invite you to pursue take longer. There is a chart online name and password), perhaps even your own research. If you need with up-to-date information at: allowing us to email you from time to someplace to start, you are welcome https://silvergoldbull.com/payment time about events and opportunities. to visit our Facebook page where we You can set this up on our website. link to informative articles and posts as they become available. Receiving Shipping Notice with Another step that you can take if you Tracking Information are banking at a Canadian bank is to It can be daunting to re-evaluate the 5Our commitment is to ship your establish Silver Gold Bull as a payee at fundamentals of handling money and order within five days of your payment a teller or online. investment. Give yourself the clearing. Most of the time we ship opportunity to look deeply at global quicker than that. You will receive a We look forward to connecting with monetary policy and let your own shipping notification (provided we you. Please call, visit our website and/ understanding guide your investment have your correct, working email or write us an email. Let’s get our shifts and new life strategies. address) so you can be prepared relationship started. for the arrival of your order.

Receiving Your Shipment Your shipment is fully insured 6until you sign for it. Please ex- amine the box for signs that it has been opened or tampered with before signing for your shipment. Sometimes with larger or heavier orders, the car- riers (Fedex, UPS, etc.) require us to break orders down into separate ship- ments.

We look forward to connecting with you • Call (877) 646 5303 • Visit silvergoldbull.com • Write [email protected] 15 Who We Are

Reliable Why We Chose Our Name

Change is the only constant: we know We chose our name to be upfront And that brings us to today. We that the world will look different in about our stance on owning and are glad that you are reviewing our five, ten, thirty and a hundred years. keeping significant physical precious materials and we are looking forward All we have to do to know that’s true metals for protection. We have been to exploring together how we can is look back in history. It seems likely committed to this idea for over a help you. We have highlighted that there will be dramatic changes in decade, since long before we started some of the key points we trust you the world economy that bode well for the company in 2009. When we wanted to know more about and we owners of physical precious metals. named ourselves, we decided to love questions. We hope you will We plan to be here through it all, be clear and forthcoming that we contact us soon and at your earliest participating in our community, help- are permanently enthusiastic about convenience. ing each other and offering people the silver and gold: in the language of chance to buy, sell and own precious investment, we are “silver gold bulls”. metals. We expect we too will need We started by accumulating precious to adapt to a new world monetary metals ourselves, at the same time system. To protect ourselves and our influencing and supporting our friends people is what we truly want. We hope and families to also look more deeply everything turns out better than ex- into what is happening within the pected and we will be here for our global economic landscape. After customers for decades to come. years of that, we decided to formalize our help into a business and seek a wider circle of customers.

LONG TERM YOU + = MUTUAL SUCCESS

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