Policies and Procedures |The Gold Planner, Inc. and all subsidiaries

Policies and Procedures |  The Gold Planner, Inc. and all subsidiaries -February 1, 2016

Price Confirmations and Binding Agreement Once you have placed an order to buy precious metals from The Gold Planner, Inc. (“TGPI”), you have entered into a binding agreement. When ordering online or over the phone, the price at which your order is placed is the locked-in price. Your invoice and invoice number will be sent to you via email. You must ensure that your payment is sent to "The Gold Planner, Inc." via appropriate payment method (as explained under "Payment Instructions") within 24 hours. TGPI reserves the right to cancel orders that do not meet this requirement. TGPI reserves the right to refuse an order when the confirmed price is incorrect due to computer-related problems, pricing error, incorrect item descriptions or sudden movements in the precious metals market. Furthermore, we reserve the right to refuse or cancel any order deemed questionable, suspicious or of significant risk to TGPI regardless of payment method and price confirmation.

Anti-money Laundering The Gold Planner, Inc. uses all of its commercially reasonable efforts to comply with appliclable FinCEN anti-money laundering laws. Our full AML policy is available under the AML Program section.

Good Funds “Good funds” refers to the moment we receive your collected payment. Additional delays may occur if your bank does not cooperate in assisting us with the information needed to verify your transaction.

Cancellation of Orders Once we have issued a invoice number, all prices are locked-in and the buyer has entered into a binding agreement. It is not our intention to enter into buying and/or selling transactions, accepting the risks involved only to have them cancelled. However, we realize rare situations happen where orders need to be cancelled. Should you elect to cancel and/or offset your order, you must do so during normal business hours of 8:00 – 4:00 EST Monday – Friday. All cancellations are subject to our market loss policy plus a $350.00 (USD) cancellation fee. Cancellations may only be approved over the telephone. At that time, if any market loss to TGPI has occurred, it will be calculated and added to the $350.00 (USD) cancellation fee. Market losses and penalties must be remitted by bank wire unless other arrangements are agreed upon. No future orders may be permitted until any market loss is paid in full.

Market Loss Policy When purchasing from TGPI, once we have issued a invoice number, the price is locked in for you and the transaction may not be cancelled, but only offset at our current BUY price. Any deficit between the price at which we sold to you and the offsetting purchase price and/or prices, is your responsibility only if your item(s) is cancelled or returned. That amount will be charged to you, plus a $350.00 cancellation fee. That is our Market Loss Policy. Any market gain on cancellations shall remain the property of TGPI.

Shipment of Your Items TGPI orders are shipped from secured storage facilities via UPS (and under certain circumstances, via Federal Express and/or USPS). Each package ships fully insured, and requires a signature upon delivery. If your package is lost, stolen, or damaged while in transit to you it will be covered by these insurance policies. However, neither we, nor our suppliers and affiliates, will accept responsibility if you have left instructions with any carriers or delivery service to leave parcels un-attended for you without the need for a signature. Or, you have given them instructions to leave your package with someone else such as a building manager, neighbor, drop-off location such as Mail Boxes etc., The UPS Store, etc. Insurance is VOIDED once the package has been signed for, whether by you or another representative at the address you have specified. If metals are lost or damaged in transit, it is our responsibility to pursue any claim with the insurance company. If we determine the package is lost, stolen, or damaged, TGPI, or our suppliers and affiliates, will file a claim. Once the claim is filed, we reserve the right to re-ship your items or refund your money at our discretion. You hereby waive any right to file a claim or receive payment from the insurance company with respect to lost or damaged metals purchased by you and shall cooperate with TGPI in filing and pursuing any claim. You hereby agree and acknowledge that your only right or remedy is to receive replacement metals or have your money refunded. From the date of shipment, you have 30 days to communicate that a package has gone missing, after which time we will no longer extend our insurance guarantee to the customer.

Return Policy We want our customers to be pleased with their purchases. If for any reason you have a problem, please feel free to call our offices and discuss it with us. We will always do our best to accommodate you. If an exchange is requested, we reserve the right to find an acceptable replacement or refund your money.

Acknowledgment of Risk The purchase of coins or bullion items is highly speculative and involves substantial risk. As in other markets, coin or bullion prices can be extremely volatile and will rise and fall depending upon market conditions. Therefore, before purchasing coins or bullion, you should first have adequate cash reserves and other assets to absorb a potentially significant loss. Historically, few coins or bullion items have appreciated dramatically in the short term. Therefore, purchasers should recognize that it might be necessary to hold coins for a significant, long-term period, to have any chance of realizing a gain. You acknowledge and agree that you are entering into the transaction to purchase precious metals from TGPI freely and voluntarily and not relying upon TGPI for any representations or warranties. You represent and warrant that you have sufficient knowledge to enter into the transaction and assume the risks of such transaction.