Risk Disclosures

Diversification

There are a many options available to individuals considering purchasing precious metals. These options include a wide array of products, each of which carry different benefits and risks, along with varying margins and costs associated with their acquisition. Gold Gate Capital “GGC” specializes in bullion, semi-numismatic, and rare coins. We believe diversification is important to a strong investment plan. GGC generally recommends that physical metals constitute between 10-20% of a well diversified portfolio. Some individuals or entities may recommend different amounts. If you choose to invest more than our recommended percentage of your wealth, please do so after consulting your certified financial advisor and accountant.

Bullion and coins that are being purchased as parts of an investment strategy should be considered a long term investment. GGC recommends a holding period of at least 3 to 5 years or longer on certified rare coins and semi numismatic metals. An effective holding period increases chances for profit, may differ from product to product, and may be longer in changing market conditions.

Purchase price

Sales: The purchase price Customer has been quoted and agreed to pay includes GGC profit margin on the transaction. The difference between GGC cost on the day of the purchase (for the Precious Metals Customer has agreed to buy) and the retail price quoted to Customer is known as the "Spread." Spreads vary significantly - by Precious Metal, by customer, and over time. Spreads may be subject to negotiation, and any Spread charged to Customer in a specific transaction may be more or less than the Spread charged to others in similar transactions or charged to Customer in prior or future transactions.

Re-purchases: The law prohibits GGC from guaranteeing to re-purchase the Precious Metals GGC sells, and GGC does not guarantee that it will re-purchase any Precious Metals that Customer purchases. If you wish to sell your Precious Metals in the future, you can call your sales executive. Should GGC make an offer to re-purchase Precious Metals you previously purchased from GGC, it is GGC current practice, which is subject to change at its sole discretion, to offer to re-purchase Precious Metals that it commonly sells at the highest current wholesale price (offered by GGC suppliers) for such Precious Metals. GGC re-purchase offer may be raised or lowered on a daily, even hourly or more basis, depending upon various market conditions, inventory needs, and the price and availability of comparable Precious Metals. GGC does not guarantee that any re-purchase offer will equal the price that GGC would pay to acquire the same denomination/type and grade of Precious Metal from a wholesaler, or that any offer made will be higher or equal to what someone else might offer for the same Precious Metals.

Prices

Our prices are set internally, and are constantly changing. Many considerations, internal and external including market conditions, demand, promotions, company performance and expenses, may contribute to the cost of purchasing coins from GGC. Our prices are not necessarily related to, or affected by the prices at which other dealers or institutions buy, sell, or value the same or similar coins. The difference between our sell (ask) and buy (bid) prices is referred to as our bid/ask spread. The spread is no greater than 10% on commonly traded bullion products, and no greater than 20% on certified metals and rare coins. Spreads may decrease or increase over time, and bids may change such that the total value of coins purchased may decrease or increase by more than the amount of the bid/ask spread.

Risks, growth projections and tax liabilities

Investing in coins and bullion involves risk. Such markets changing. Though precious metals have always retained some value, GGC makes no guarantee that coins or metals purchased from us may be sold back at a profit, or that investment can be made without risk of loss of principle.

Past performance does not guarantee future results. Markets are constantly changing, and though individuals and institutions may make educated predictions regarding the future of precious metals, investments, and the economy, such predictions cannot be made with certainty. While bullion coins and bars are priced for the most part in accordance with the value of the metal they contain, semi-numismatic and rare coins have numerous other factors that contribute to value. These factors include intrinsic value (metal value), speculative interest, collector and investor demand, available supply, industry promotions, perceived value, and economic conditions. These coins may increase or decrease in value, regardless of and at times in opposition to changes in precious metals spot prices. Grades and descriptions of coins are opinions based on standards and interpretations that can and do change over time. While we guarantee that all the coins we sell are genuine, we expressly disclaim any other warranties, express or implied, including the implied warranties of merchantability and fitness for a particular purpose.

Precious metals and coin investments are not for everyone, and GGC makes no attempt to confirm the suitability of any product for any customer at any time. Regardless of opinions expressed and recommendations made by GGC employees, it is your responsibility as an investor or collector to educate yourself and consider all risks, prices, and policies relating to your purchase.

We never give tax advice. Questions of tax liability and benefits are complicated and should be directed to your certified accountant. Though there may be tax benefits assigned to precious metals ownership, and certain products offered may fall under different reporting requirements than others, GGC makes no guarantees express or otherwise as to the tax benefits of owning any product at any time.

Our account executives

GGC account executives are commissioned salespersons - i.e., their salary is based, at least in part, on the amount and profit margin of the Precious Metals they sell. In addition, from time to time, GGC account executives may receive other compensation tied to sales activity - e.g., sales contests; bonuses tied to the sale of certain denominations/types or grades of Precious Metals. GGC account executives are not licensed and their knowledge of Precious Metals and the Precious Metals marketplace varies.

Refunds

Refunds will not be issued under any circumstances on all common bullion products except where expressly guaranteed by individual state law and in accordance with such provisions. GGC will issue refunds on any common bullion products and premium products orders that, subsequent to the signed invoice and or recorded confirmation, it determines it cannot fulfill. In addition, GGC extends to all first-time clients the right to a refund for all premium products without any reason whatsoever, within three (3) days of your initial signed invoice and or recorded purchase price confirmation.

In summary

Before investing in any asset, including coins and precious metals, you should ensure that you have a thorough understanding of the costs, risks, and other considerations involved. We take pride in our knowledgeable staff and customer service, and we hope we are able to assist you in educating yourself regarding these products. Do not invest more than 20% of your assets without consulting an independent financial advisor. Make sure you can hold your investment for at least 3 to 5 years, and do not go into debt to purchase metals or coins. All markets move up and down, so be prepared in either case, and do your best to make educated and reasonable investment decisions.