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Sleep Well Knowing Your Metals Are Safe Our best in class security gives you peace of mind

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Frequently Asked Questions

  Why should I own precious metals?

Precious metals are historically very reliable stores of wealth that have helped individuals protect their purchasing power for several centuries. While fiat currencies issued by governments can become worthless over time, precious metals never do. Also, unlike other investments, loss of principal is not a risk with owning silver and gold; you always have your physical metal.

  What is Anthem Vault?

Anthem Vault is an online precious metal retailer that provides U.S. residents with an efficient and liquid way to buy, own and sell physical 100% fine gold and silver bullion, securely stored and insured. The company is incorporated in Nevada under the name Anthem Vault Inc., and the Operations Team is in Austin, Texas. The company is regulated as a precious metal dealer by the USA Patriot Act.

  Is Anthem Vault a bank?

No. The difference is that deposits held in a bank checking or savings account are used by the bank to create new loans and you, the customer, are merely a creditor. By contrast, Anthem Vault is a precious metal dealer and nonbank custodian of client metal, and it does not have the legal right to loan out or use client metal as the company's collateral with its own creditors; neither does the independent third-party nonbank vaulting facility it uses to store the metal bars. If Anthem Vault stopped doing business, for whatever reason, 100% of your assets - in the form of physical bars, bank check or both, if you choose - can be quickly and easily distributed back to you.

  Why should I trust Anthem Vault?

Anthem Vault follows best practices and strict guidelines to provide our clients' assets with maximum protection. Our emphasis on security is in three primary areas: physical, legal and data.

On the physical side, all gold and silver owned in your account is physically stored at an independent Brinks (established 1859) world-class nonbank vaulting facility in Salt Lake City, UT. All stored bars are made only by LBMA refiners and are purchased only from commercial bullion dealers. You can view all bars held in storage on the Bar List webpage.

All stored bullion is 100% insured from any loss by theft or natural disaster by Lloyds of London (established 1688). Upon opening and setting up an Anthem Vault account, you can ask one of our client support staff to e-mail a copy of the Certificate of Insurance, which certifies insurance coverage of all metal held, protected from theft or loss due to natural disaster.

Before being added to our vault, each gold and silver bar is tested multiple times, using an ultrasonic gauge to ensure the bar's authenticity. A ‘bar audit’ is performed by our independent, world-class non bank vault operator, every time a bar enters or exits our vault, to verify record-keeping, to meet the strict demands of our insurers and to maximize transparency. Anthem Vault performs an annual audit of all bars held in storage with a professional third-party auditing company.

On the legal front, you own outright all metal purchased in your Anthem Vault account (as clearly defined in our Account Terms of Service). This means that your metal is not at risk of loss from unassociated liabilities of Anthem Vault, its vault operator or any other client - because you are the outright owner. This is fundamentally different from holding metal exposure in the form of a metal ETF held in a brokerage account or a pooling account because, in such cases, your ETF investment can be legally subjected to an ETF trustee's or pooling company's third-party obligations such as liens, encumbrances and/or other contingent liabilities, which losses may or may not be fully covered by insurance.

When you buy gold and silver from Anthem Vault, you legally own the metal and, as such, your metal cannot be encumbered in any way by Anthem Vault or Brinks to secure a third-party obligation. However, note that because you are the outright owner of metal purchased and held with Anthem Vault, your metal would likely be treated as your personal asset by a court of law for the purposes of any judgments, bankruptcies, or any other binding legal action against you.

Anthem Vault encrypts all information sent and retained in our database. All information is held at redundant data centers and backed up daily at a separate location. Anthem Vault's website is a Norton Secured Site, and all webpages are SSL-protected. To protect against unauthorized access to your account, Anthem Vault never sends your username or password to your email account. In addition, a unique PIN code is sent to you by email to complete all fund removals when selling metal (two-factor authentication), and proceeds must be sent to a bank account in your name.

  Where is Anthem Vault located?

Anthem Vault is incorporated in Las Vegas, NV, and the Operations Teams are based in Austin, TX and in Bartlesville, OK. All metals are securely stored at Brinks, an independent world-class vaulting facility operator in Salt Lake City, UT.

  Who can use Anthem Vault?

Anyone can open an Anthem Vault account. Both U.S. and International clients can send and receive funds between their bank account and Anthem Vault account in order to purchase and sell metal. U.S. clients can also send and receive funds via Automated Clearing House (ACH). Anthem Vault's Customer Support is in English.

  In what form do you store gold and silver in?

All stored bars are globally recognized 1 kilogram (32.15 oz) .9999 fine gold bars and COMEX standard 1,000 ounce .9990 and higher fine silver bars. All bars are made only by LBMA refiners and are only purchased from commercial bullion dealers.

  Why does Anthem Vault purchase 1 kilogram gold bars and 1,000 ounce silver bars?

Anthem Vault works to ensure that our clients have an easy, fast and affordable way to own gold and silver. 1kilogram gold bars and 1,000 ounce silver bars were chosen to ensure a balance between keeping buy rates low by purchasing larger denomination bars, keeping availability high by purchasing bars that are traded on all markets, and keeping selling easy for clients by purchasing bars that are in demand around the world.

  How do I create an account?

Clicking onto our signup page, you complete 3 easy steps:

  • Create an account with your name, user name, password and email address.
  • Complete the Identification Verification step.
  • Choose your security questions.

Accounts are free to open and take only a few minutes to set up.

  How do I add my bank account to my Anthem Vault account?

After you have created an Anthem Vault account:

  • Choose ‘Manage Bank Accounts’ (‘Add/Remove Funds’ section at the top of the page).
  • Choose ‘Add Bank Account’.
  • Click ‘Create Account’.
  How do I view my account balance?

Your account balances (both metal amounts and U.S. dollar equivalent values) are clearly viewable on the Dashboard page of your Anthem Vault account (both at the top and bottom of the Dashboard). On your Dashboard, metal weight is displayed to the nearest .0001 ounce. In our internal system, your metal weight is registered to the nearest .0000000001 ounce (rounded down), to ensure maximum precision of your metal balance.

  How can I add funds to my Anthem Vault account?

You can add funds to your Anthem Vault account via bank wire transfer from your bank account.

  What is ACH?

‘ACH’ stands for Automated Clearing House. It is a bank process that allows for direct withdrawal and direct deposit to and from your bank account (as if you were writing or depositing an ‘electronic check’). You can buy metal using direct withdrawal (ACH) and sell metal and receive the proceeds using direct deposit (ACH) and pay no bank fees (maximum of $10,000 in direct withdrawal and direct deposit transactions per day; larger metal purchases are paid for by first adding funds by bank wire). At this time, only bank accounts at a U.S.-based bank can use direct withdrawal and direct deposit options.

  How do I buy metal?

After you have created an Anthem Vault account:

  • Login to your account.
  • Choose Buy under the ‘Buy/Sell’ section at the top of the page.
  • Select your metal type.
  • Input the amount of metal you want to buy in dollars.
  • Verify and submit your order.
  When I place an order, is my rate locked in?

Yes. When you place an order to purchase or sell metal during normal market hours, your rate is locked in when you press the Submit button.

  Is there a maximum or minimum amount of metal I can buy at one time?

There is a $25 minimum purchase amount. The maximum purchase amount for a single order is $5,000,000 during market hours. During after-market hours, the maximum purchase amount is $10,000 total.

  What is the “Buy Rate”?

The ‘Buy Rate’ is the rate ($ per ounce) at which you buy metal from Anthem Vault. This rate is based on the pricing we get in from The Bell Average. We provide pricing based on the amount of 100% fine gold or silver bullion purchased. We can lock in a buy rate for orders up to $5,000,000 during normal market hours of 9:30 a.m. to 4:00 p.m. Eastern Time (6:30 a.m. to 1:00 p.m. Pacific Time), Monday to Friday, except on market holidays. All rates are updated every 60 seconds. We can lock in a buy rate for orders up to $10,000 total during after-market hours (all non-market hours, Monday to Friday, weekends and market holidays).

  What is the conversion between a kilogram and ounces?

1 kilogram equals 1,000 grams. There are 31.1034 grams in one troy ounce. All precious metal is measured in troy ounces. Whenever ‘ounce’ or ‘oz.’ is used with precious metal, ‘troy ounce’ is always assumed. Thus, there are 32.150 ounces in a 1 kilogram bar. (1,000 grams divided by 31.1034 = 32.150 ounces, rounded down to the nearest .001, instead of being rounded up).

  How do I sell metal?

After you have created an Anthem Vault account:

  • Login to your account.
  • Choose Sell under the ‘Buy/Sell’ section at the top of the page.
  • Input the amount of metal you want to sell in dollars.
  • Choose where you want the funds to go from your sell order. Both U.S. and International clients can send and receive funds between their bank account and Anthem Vault account to purchase and sell metal. U.S. clients can also send and receive funds via Automated Clearing House (ACH).
  • Verify and submit your order.
  Is there a maximum or minimum amount of metal that I can sell?

There is a $1 minimum sell amount. The maximum sell amount for a single order is $5,000,000 during market hours. During after-market hours, the maximum sell amount is $10,000 total.

  What is the “Buy Back Rate”?

The ‘Buyback Rate’ is the rate ($ per ounce) at which you sell metal to Anthem Vault. This rate is based on the pricing we get in from The Bell Average. We provide you with the best rate received from one of over a dozen commercial bullion dealers from whom we source metal.

We can lock in a buy back rate for orders up to $5,000,000 during normal market hours of 9:30 a.m. to 4:00 p.m. Eastern Time (6:30 a.m. to 1:00 p.m. Pacific Time), Monday to Friday, except on market holidays. All rates are updated every 60 seconds.

We can lock in a buy back rate for orders up to $10,000 total during after-market hours (all non-market hours, Monday to Friday, weekends and market holidays).

  What are the 'Market Hours'?

Normal market hours (when orders over $10,000 can be placed) are 9:30 a.m. to 4:00 p.m. Eastern Time (6:30 a.m. to 1:00 p.m. Pacific Time), Monday to Friday, except on market holidays.

  What Market Holidays are observed?

The market is closed on the following days: New Year's Day (January 1st), Martin Luther King, Jr. Day, President's Day, Good Friday, Memorial Day, Independence Day (July 4th), Labor Day, Thanksgiving, Christmas Eve (December 24th) and Christmas (December 25th). On the above listed market holidays (as well as during weekends and after-market hours), you can place and lock in rates for orders to buy and sell up to $10,000 worth of metal. All orders placed on a market holiday will be processed on the next business day during normal market hours.

  Can I buy and sell metal during after-market hours?

Anthem Vault allows you to place metal orders at any time of the day. However, orders during after-market hours are limited to a maximum purchase or sell amount of $10,000 total.

  What is “Chain of Integrity”?

Chain of Integrity is proper accounting and record-keeping of every movement of a bar of precious metal, from the moment it is created by a manufacturer through all movements to professional storage facilities and precious metal dealers. This accounting maintains a record of ownership, purity and weight that can be assured as long as the precious metal bar does not leave this trusted precious metals network. A benefit of the Chain of Integrity is that Anthem Vault is able to provide clients with better pricing and assurance of the accuracy of the weight and fineness amounts inscribed on all bars stored.

  How does Anthem Vault ensure the physical metal held in storage is equal to or greater than the metal owned by all account holders?

When each new bar is received by our vault operator, the gross weight (oz) is rounded down to the nearest .001 oz and then multiplied by the bar’s fineness to obtain the bar’s fine weight, rounded down again to the nearest .001 oz. For example, each 1 kilogram gold bar equals 32.150 gross ounces and has a fineness of .9999. Thus, the fine weight added for each 1 kilogram gold bar is 32.146 ounces. By always rounding down, Anthem Vault ensures that, at a minimum, there is always a very slightly greater amount of metal stored in the vault than the metal owned by all account holders.

  What does it cost me to use Anthem Vault?

Anthem Vault has a minimal fee for buying and selling precious metals, and a minimal storage fee to cover the cost of storing precious metals. See our Pricing Page on the website, for more information.

  How are storage fees charged?

After your first six months ‘free’, Anthem Vault charges quarterly storage fees for metals held in your account. By default, these fees are collected in the form of proceeds from fractional amounts of metal sold and are thereby taken out of the client’s account. If you do not wish to have this occur, you can opt to have your quarterly storage fees paid instead through direct withdrawal (ACH) from your bank account.

  How do I view my current storage fees?

Current storage fees can be viewed on the account Dashboard. Your first six months of storage fees are waived, starting when you first purchase metal.

  Are buying and selling transactions reported to the IRS?

If you sell 1 kilogram or more of gold (32.146 fine ounces) or 900 fine ounces of silver back to Anthem Vault during a 24-hour period, the IRS requires us to report the gross proceeds on Form 1099-B. Anthem Vault is not required to, and does not report, client metal purchases to the IRS.

  How does owning metal through Anthem Vault affect my taxes?

Buying precious metals through Anthem Vault will not cause you to incur a tax liability. Selling metal through Anthem Vault can require you to report a gain or loss, depending on your initial purchase price versus the price at which you sold the metal. Anthem Vault will provide you with all relevant information for your tax preparation. Clients are responsible for calculating and reporting any tax liability associated with any recognized gains when metal is sold. Anthem Vault strongly suggests consulting with your tax professional to ensure compliance with your tax laws.

  Does Anthem Vault charge sales tax on gold or silver purchases?

No, Anthem Vault does not charge sales tax on metal purchases.

  Does Anthem Vault sell numismatic (collectable) coins?

YES! Anthem Vault provides numismatic collectibles through its division Anthem National Reserve found online at: www.AnthemNationalReserve.com At

  Can I visit the Vault?

Existing clients with at least a bar's worth of metal (32.146 oz of gold or 900 oz of silver) can arrange to visit the facilities, but you need to provide at least a week's notice to Anthem Vault for us to get clearance with Brink's for you to view the vault securely.

  Can I add my own bars to my Anthem Vault account?

No. Anthem Vault does not take bars from individuals, because we cannot guarantee the chain of integrity for the bars.

  What if I want to take delivery of my metal?

If you have enough metal owned in your account to cover a full bar (32.146 ounces of gold and between 900 - 1,100 ounces of silver - 1,000 oz COMEX silver bars are between 900 and 1,100 ounces), then you can request delivery of a bar. All costs involved in the delivery of a bar or bars are charged by our vault operator and collected from you by Anthem Vault. Anthem Vault does not charge an additional delivery fee for this service.

  What happens to my metal if Anthem Vault goes out of business?

In the event that Anthem Vault should cease operating for any reason, each client owning at least a bar's (or more) worth of metal would be provided with the option of receiving all of their value in the form of physical bars, a bank check or both. Any metal not delivered in the form of metal bars to clients would be sold at current market price and funds would be sent (along with any additional funds that may be in the client account) to the client's address in the form of a bank check.

  How do I close my Anthem Vault account?

If you wish to close your Anthem Vault account, simply call our Customer Support agents during normal market hours and request that your account be closed. If you have enough metal to request delivery of bars, this option will be available to you. Otherwise, all remaining metal will be sold at current Spot Price and the proceeds will be transferred back to your bank account, along with any extra funds you may have had in your account at the time of closing.

  How do I contact Anthem Vault?

You can contact Anthem Vault via the Contact Us page on the website, or by calling 1-855-4-AVAULT (1-855-428-2858). Our live Customer Support hours are Monday through Friday (except market holidays) 6:30 a.m. to 3:00 p.m. Pacific Time (9:30 a.m. to 6:00 p.m. Eastern Time).

  What is “The Bell Average”?

The Bell Average is a service that averages the pricing for Anthem Vault to buy 1 kilogram bars of gold and 1,000 oz bars of silver. This pricing comes directly from our dealer network which makes it the most exact pricing we can get. Because it is an average of dealer pricing, it may not necessarily correspond to the Spot Price; however it is usually within 1% of Spot.

To view the bell average you can visit The Bell Average website.

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