Risk Disclosures

1. Pricing and Buybacks

Newmont Capital Group's sale prices and buyback prices are set internally by Newmont Capital Group and are constantly changing. Common Bullion Products are priced by Newmont Capital Group for both sale and potential buyback for the most part in accordance with the spot price of the precious metal they contain. Premium Products, however, are priced by Newmont Capital Group for both sale and potential buyback at a premium above the spot price of the precious metal they contain. This premium is solely determined and controlled by Newmont Capital Group, based on various factors Newmont Capital Group deems valuable, to include speculative interest, collector and investor demand, available supply, industry promotions, perceived value, economic conditions, and other factors Newmont Capital Group deems relevant. The value assigned to Premium Products at any given time may vary from retailer to retailer and Newmont Capital Group cannot guarantee another retailer will value a premium coin at the same rate as Newmont Capital Group would in any given circumstance. Newmont Capital Group cannot guarantee buy-back of any item it sells and cannot guarantee another retailer will purchase a premium coin.



Newmont Capital Group’s sale prices and potential buyback prices are not necessarily related to, or affected by, the sale prices or potential buyback prices at which other retail or wholesale precious metals dealers or institutions buy, sell, or value the same or similar products. Moreover, there is a price differential, or “spread”, between Newmont Capital Group’s sale price (the “ask” price) and the price Newmont Capital Group pays for a product (the “bid” price). The bid/ask spread is calculated by subtracting the bid price from the ask price and then dividing the difference by the ask price: (Ask – Bid) / Ask). To make a profit, you must be able to sell the precious metals in the future for a price high enough to cover its initial purchase, including this spread. Spreads may be subject to negotiation, and any spread Newmont Capital Group charges in a specific transaction may be more or less than the spread it charged to others in similar transactions or it charged to you in prior or future transactions. Although Newmont Capital Group has historically bought back our customers’ gold and silver, the law prohibits us from guaranteeing we will repurchase the products we sell. As such, Newmont Capital Group makes no guarantee that we will buy back any product, and Newmont Capital Group’s buyback policy is subject to change without notice.

Anyone who considers purchasing Newmont Capital Group products should consider the associated risks and acquisition costs. It is Newmont Capital Group’s view that precious metals should be considered a long-term asset, and that you should be prepared and willing to hold any purchased precious metals for several years before selling them. Products should only be purchased with discretionary funds that may be tied up for several years and not with funds necessary to cover your day-to-day living expenses. Newmont Capital Group HAS NO FIDUCIARY DUTY TO YOU. Though Newmont Capital Group may explain what precious metals options are available to you, the decision to purchase precious metals and which ones to purchase are your decisions alone, and Newmont Capital Group is not responsible for your decisions. The purchase of Newmont Capital Group products is not for everyone, and Newmont Capital Group has no obligation to and makes no attempt to confirm the appropriateness of any product for any person at any time.

Many experts generally recommend that precious metals constitute between 5% to 10% of a well-diversified portfolio; see examples here and here. Some individuals or entities may recommend different percentages. If you choose to allocate any percentage of your funds in Newmont Capital Group products, you are advised to do so only after consulting legal, financial, and tax professionals. Newmont Capital Group does not guarantee, and makes no representation, that any allocation in Newmont Capital Group products, whether between 5% to 10% or otherwise, is appropriate for any particular person.

Newmont Capital Group products’ markets are subject to substantial fluctuations including significant and rapid increases and decreases from time to time. You must be able to assume and tolerate the risk of such price fluctuations. No assurance can be given that you will be able to sell your products at a price greater than or equal to the acquisition cost. You could lose money.

Newmont Capital Group’s agents and team members are not licensed investment or financial advisors, and they have no fiduciary duty to you. It is your responsibility to learn and consider all risks, prices, and policies relating to your purchase.

Grades and descriptions of products are opinions based on standards and interpretations that can and do change over time, and are not statements of fact or guarantees. Newmont Capital Group is not a grading service, and relies upon the certifications of independent grading services in selling the products. Newmont Capital Group does not independently verify the grade or authenticity of the products it sells. While Newmont Capital Group guarantees that all of the products it sells are genuine, the products sold by Newmont Capital Group are sold on an “as is” basis and Newmont Capital Group expressly disclaims any other warranties, express or implied, including the implied warranties of merchantability and fitness for a particular purpose, and any warranties associated with the grades assigned to the products by independent grading services.

Newmont Capital Group does not give tax, financial or legal advice, and will not advise as to the potential tax, financial or legal implications of purchasing and/or selling precious metals products in an Individual Retirement Account or otherwise. It is important that you consult your own tax, financial and legal advisors with any questions about the potential tax, financial and/or legal implications of any precious metals purchase or sale.



Newmont Capital Group cannot guarantee, and makes no representation, that any metals purchased by a customer will appreciate at all or appreciate sufficiently to make a profit, and there is no certainty that any metals can be sold for a profit. The future value of the coins you purchase cannot be predicted. You could lose money. Don’t purchase Newmont Capital Group products with money you can’t afford to lose. Prices may rise and fall over time or rapidly. Past performance of any coin does not guarantee future results. Premium coins are sold for more than the spot price of the precious metal they contain. Newmont Capital Group’s sale prices and buy-back prices are determined and controlled by Newmont Capital Group. The value assigned to the coins you purchase at any given time may vary from retailer to retailer and Newmont Capital Group cannot guarantee another retailer will value the coins at the same rate as Newmont Capital Group would in any given circumstance. Newmont Capital Group cannot guarantee buy-back of any item it sells and cannot guarantee another retailer will purchase coins purchased through Newmont Capital Group.

Newmont Capital Group cannot guarantee another retailer will value a premium coin at the same rate as Newmont Capital Group would in any given circumstance. This purchase is speculative and unregulated.