Auryn/Medinah - 2024 2nd Half General Discussion

BB,
I’m not agreeing or disagreeing with your myriad of posts. I enjoy and benefit from your insights and have often applied these towards some of my other investments, much as I have applied some of Baldy’s criteria to other mining stocks. I don’t disagree with much of what Baldy has to say about valuation of mining companies proving up claims in the traditional and accepted practice. Baldy just misses the boat completely about applying that methodology and valuation to the ADL. It is irrelevant to me and my circumstance. I have great confidence in much of what you post, BB, and your knowledge about the mineralogy as being utilized and applied to what Maurizio’s mining team is accomplishing.

Baldy did not understand when I posted and pointed out when recently I posted …

…back in 2016 when responding to one of Baldy’s diatribes, “That’s why shareholders who are fully invested here need to put it in the sock drawer until we start seeing production numbers.”

He mistook it as an attack on his arbitrage strategy that completely differed from my circumstances. Quite simply, I had no tax loss arbitrage to take advantage of. I moved on to more productive investments. There are many quickly moving companies developing mines to look at while waiting for Maurizio’s team to salvage this one.

I have advocated not buying (put this one in the sock drawer) while supporting in every way possible, shareholders here, and Maurizio’s undying efforts to make this company profitable. There is a valuable mineral resource hidden under the ADL awaiting profitability. I have repeatedly emphasized putting available cash towards investments in other less risky speculative plays, but especially those earning a profit in streaming and producing companies instead. My main point? Our day will come and Maurizio will be the one to make it happen!
Please note I’m currently out of the country on vacation.

I would like to see others post on the Other Mining Stocks thread where they have found some plays with promising growth projects. That used to be an active thread where a useful exchange of ideas took place. I’d like to see a more lively exchange of constructive conversation return to the forum .
EZ

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Baldy,
If you’d like to see where I spend the bulk of my time since 2016 I can assure you it’s not focused on you. Alll you need do is look at the last couple of posts on the Other Mining Stocks 2023 thread:

I can opine that AUMC is taking much longer than any of the long enduring shareholders would like. But I don’t find it necessary to put down everyone that has an optimistic view of the possibilities that await those of us here, those of us affectionately known as “stuckholders” that are awaiting a brighter day. Are you so bitter because your arbitrage is taking so long to develop where you can jump back in and start recovering part of that financial loss you suffered and blame on others? If so, cheer up, you may only have to wait another year or two. Meanwhile, there are better places to spend your time. Have you thought about posting on the Other Mining Stocks 2024 and telling us what you like about Spartan Resources, or are you waiting for me to do that when I’m back from vacation?
EZ

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Arbitrage strategy? If not owning either MDMN nor AUMC is a strategy I’m guilty as charged. You can’t even buy MDMN at this point so its all a bit laughable, Why would I be bitter about selling shares and avoiding 75% and 90% losses?

Just to be clear, I have no bitterness with this stock. The lessons I’ve learned here have saved me many, many times more than any losses in MDMN that I suffered in my PA (pesonal account). When I first invested in MDNN I had minimal knowledge of the mining sector. Several years afer liquidating my positions in AUMC and MDMN, I launched a “streaming private equity fund” and a long/short hedge fund, exclusively focused on precious metals. I intially had to hire technical analysts/geos to asist in fundamental analysis. I was simply the “macro guy” with convinction that gold would go significantly higher. This was 7 years ago.

What may come across as bitter, is simply my attempt to throw a bit of cold water on the “pom pom” cheerleading offered by a select few. Twenty years later, a wake of wealth destruction, and yet the same old tune gets regurgitated, over and over again.

I wish I knew a fraction of what I know today when I first started invesing in MDMN. My comments today are directed to the less educated versions of myself, 15-20 years ago, when I would have greatly benefited from a more grounded analysis of this investment. I know, first hand, how intoxicating the “pie in the sky” analysis offered on this board can be for those who don’t know any better. I DON’T know how its still being offered afer such a long and bleak track record (nor why these individuals persist). No apologies, not acknowledgement of gross inaccuracies…just the same beating drum for twenty years (ATM machines dividends, WCD, management is all knowing, etc, etc).

No offense Easy but I’m not sure I’m interested in participating in the “Other Mining Stocks”. Based on some of the investment strategies you cling on to, like: not selling a stock in a retirement account b/c you won’t get the benefit of tax loss selling, is sooooooo far from how I manage my investments, the delta in our relative approaches is just to large. Nor can I excuse how you and others give the likes of BB a pass after every single fumble.

Spartan is just one of 17 positions I hold in the junior/mid-tier precious metals fund that I manage. ARTG, WDO, KRR (recently aquired), CDE, JAG, NGD, are some others.

Mabye AUMC might be another one if the stock continues to move down and we get closer to building the plant. I don’t believe that will happen until late in the third quarter (25) if they get lucky. So there’s a bit of time and very little reason to tie up capital unitl we have better visibility. IMHO

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I have tons of bitterness. Who are we kidding!!! Omg. They need to get their shit together with Gold breaking out into a parabolic move.
Wake up people.
Ok, i am done venting.
Baldy, I wish I had listened to you more.
TDk

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Anyone expecting a 3rd quarter update with 4th quarter projections or was this last update pretty much it?

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Before at least we had one stock trading while we are still waiting at a turtles pace. Now both stocks are on ICU. And it seems they will not do anything for MDMN to trade on the pinks. What a mess…

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Hi EZ - in your Other Mining Stocks 2024, have you come across any miners ankle deep into Chile’s extinct volcanoes or elsewhere?

Smithsonian Magazine …
“Extinct Volcanoes May Be an Untapped source of Rare Metals”

https://tinyurl.com/bwf4d9h4

I hope Brecciaboy might comment on this too

Hi MDMNjaded,

It is true that the “rare earth” metals do tend to hang out with iron-rich magma, but at the ADL Mining District, there’s an equally exciting phenomenon occurring when it comes to the grade of gold that tends to hang out with a certain sulfide mineral the ADL has a lot of, namely “arsenopyrite” or “ARP”.

“ARP” is known as a “gold magnet”. The concentration of the gold found in tandem with “ARP” has been shown to be as high a 1 million times the concentration of gold found in association with other sulfides like regular old pyrite or “iron sulfide”. The attraction to gold occurs at the atomic level. If you look at an electron micrograph of gold associated with “ARP”, the gold tends to occur in “ultrafine” particles, sometimes actually incorporated into the crystalline lattice of the “ARP” molecules. At the ADL, a little over 6% of the sulfides is in the form of “ARP”. This helps explain the insanely-high grades that have been found at the ADL.

There was a convocation of the world’s leading experts on froth flotation a couple of years ago in Capetown, South Africa. Quite a few papers were presented on exciting new technologies available to successfully recover these tiny, somewhat “refractory”, particles of gold. The attraction of researchers to this topic is that these deposits are so rich in gold that any scientist that makes a huge breakthrough is going to be a gazillionaire.

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Thank you for all the info in your post, doc. The ADL has a lot of ARP. That’s great, especially with that metallurgist perspective. Does the ADL’s 6% have more or less arsenopyrite by percentage compared to other mining operations?

BTW: I’m reminded of your post back in April 2022.

(This quote below is just a small snippet. Read the rest of this post >above< for clarity.)

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If i was able to get my money back with no profit I would sell with out a doubt. Unfortunately here we are gold at all time highs and supposedly we have gold in the mountain and the 2 stocks are trading pathetically (one not trading at all) while miners are of their yearly lows. I ask why the f*ck can’t these guys at least promote one of the stocks?? If the beef is in the mountain instead of us waiting till next summer(maybe) until we see some trading! Am I the only one thinking wrong?? What they should have done is let mdmn trade back on the pinks and promote AUMC with all info they have up to date! What the Fck is wrong with this management???
Les must be rolling in his grave………

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Hi MDMNjaded,

There are 2 working faces on level 3, the current level. One branch of level 3 is oriented to the NNW and the other to the SSE. The adit and the adit working faces are 3-meters wide and 3-meters tall. As far as the “tonnage per blast cycle” goes: If the drill holes for the dynamite/ANFO are 2.1-meters deep, then the volume of the blasted material landing on the adit floor would be 3 times 3 times 2.1 or 18.9 cubic meters. The density/”specific gravity” of the ore is 2.7 tonnes per cubic meter. This means that each blast will dislodge 51 tonnes of ore.

Since there are 2 working faces per level, all Auryn has to do on a daily basis is 1 blast per working face (2 per level) to keep up with that 100 tonnes per day “throughput” of the FF plant. This should be pretty easy, plus they already have a bunch of ore stockpiled from over 200-days of mining and stockpiling. Since they already dewatered the adit after taking a few months off to finish up the funding, I’m going to guess that they are back into “mining and stockpiling” mode by now or soon will be.

As far as the average width of the vein proper, I’ve got it pegged at about 1-meter for now. Dick Sillitoe and ACA Howe’s Rob Cinits both confirmed that the vein is BOTH widening and increasing in grade with depth. In vein mining, that’s a very powerful combination. The DL2 Vein grades, to date, have been pretty much off the chart. The initial grouping of 4 channel samples averaged 164 gpt gold. The second round of sampling came in at an average of 150 gpt gold. A third sampling done at a smelter in Peru, came in at 128 gpt gold JUST FOR THE GOLD COMPONENT of the ore. When you add in the silver and copper, you get about 157 gpt “gold equivalent”. So, the average of those three samplings comes in at about 157 gpt “gold equivalent”.

An “experimental batch” of ore from this very same area where the Antonino Adit intersected the DL2 Vein, was sent to the Enami smelter. It came back at 57 gpt gold, 978 gpt silver, and 3.23% copper AFTER ENAMI TOOK OUT ALL OF THEIR SMELTING FEES AND ANY PENALTIES ASSESSED FOR IMPURITIES. This represents a “gold equivalent” grade of 70 gpt “gold equivalent”. If you add back in the Enami fees and penalties, then once again you’re back in the 150 gpt “gold equivalent” neighborhood for the ore within the vein proper.

A red flag went up for Auryn when they learned that Enami was willing to pay 57 gpt for the gold which the Peruvian smelter test was actually running at 128 gpt gold. This is when the decision was made to do some of the ore processing on-site via a froth flotation plant.

Don’t forget that if the vein is 1-meter wide and the working face of the adit is 3-meters wide, you need to divide those 150 gpt “gold equivalent” grades by 3 in order to determine the average “head grade” of the ore coming out of the adit. This brings you back into the 50 gpt “gold equivalent” grade neighborhood. Since the average “head grade” being mined worldwide is 4.18 gpt gold, in my earnings projections I’m penciling in between 25 and 31 gpt “gold equivalent” for the sake of conservatism.

The artisanal miners at the DL2 Vein averaged 64 gpt gold while mining 2,000 tonnes of ore at levels 0,1, and 2. THIS FIGURE WAS ALSO AFTER ENAMI TOOK OUT THEIR SMELTING FEES AND PENALTIES FOR IMPURITIES. This figure is important because of the “sample size” i.e. 2,000 tonnes. If you add back in Enami’s various fees then once again you’re back looking at perhaps 140 gpt “gold equivalent” for the VEIN PROPER grade. All of these various samples have excellent “consistency”, they don’t stray very far from the average. Auryn also did some sampling at levels 0,1, and 2 which averaged 85 gpt for the gold only. At these 3 levels, the silver and copper contributions were de minimis. Now all of a sudden, at level 3, the silver and copper are performing strong.

That silver grade of 978 gpt silver, AFTER ENAMI TOOK OUT THEIR SMELTING FEES AND PENALTIES FOR IMPURITIES WAS LITERALLY THROUGH THE ROOF. Super high-grade gold coexisting with super high-grade silver is another form of CORROBORATION of all of these stellar grades. In a 48-tonne sample taken out of the Antonino Adit, which has far inferior grades to the DL2 Vein, the copper grade came in at 5.3% copper which had to turn some heads. The average grade of copper being mined today is 0.6%.

You might remember how Maurizio ran up to the mine and filmed an interview in the Antonino Adit with him holding that pointer and pointing to the bluish-purplish irridescent ore on the adit walls. That stuff is known as “bornite” or “peacock ore”. It is an extremely high-grade form of copper (63%) that occurs in these vertical zones known as “SUPERGENE ENRICHMENT ZONES”. These zones can extend vertically for 200 to 300-meters. Nobody remembers it now, but one of the press releases made back when the Antonino Adit was being drifted, cited a couple of hundred meters of solid “alteration” that the geoscientists encountered. Massive amounts of “alteration” is caused by massive amounts of metal-laden EXTREMELY HOT hydrothermal fluids that literally “pressure cooked” these host rocks. This was a very, very active “hydrothermal system” 91-million years ago.

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This “pivot” is worth highlighting. If you are dropping your new head grade estimates to 50, or even 25 gpt that is a major change of tune. I commend the adjustment althought I think your still way too high vs. what Maurizio is targeting (10gpt+). However, even using 50gpt, the earlier fascination with the $5,000 per ton financial impact goes out the window. Using 50gpt, even at today’s dramatically higher gold prices, is only worth $4,000 in total.

After all the years that have passed we still hang on to a slight hope that all the monies that investors have dumped into this, we still don’t have any real honest answers. When will management be held accountable….? Next you know another company will walk in and we all will be forgotten. Mdmn, Cdch, aumc……can’t even have a yearly meeting.
The shorts have won!

Regarding the deal with our Financer, let’s assume they wanted to take an equity position by investing the $4million by purchasing newly issued shares at .25 per share resulting in additional 16 million shares (86 million total). They now would own about 19% of our company. MC has promised that he is not going to dilute the 70 million currently outstanding so he refuses the offer. They need to figure a way to make each other happy with the terms.

MC decides that rather than give up 19% of the company, he will issue them preferred shares that will expire after 5 years after they have received the amount they are demanding ( $20 mill for $4mill ). An outrageous amount of return on their investment. The preferred structure assures that they will get their money per a schedule before anyone else.

Now let’s compare the results over 5 years, Equity versus preferred:

Assumptions:
Two truckloads delivered per day, 5 days a week, 50 weeks, 500 truckloads per year.
Non enhanced ore per ton is 25gpt.
enhanced ore per ton is 100gpt ( 25 x 4 per BB estimate)
2000 grams per truckload ( 2000/31 = 64 ounces per truck load
Profit per ounce is $1,400 ( 2600 - 1200 )
Profit per truckload is $90,000
annual profit is $45million
5 year profit is $225million

Profit for the financer as an equity partner would be 225million X 19% = $42.75million just for the first 5 years. They will continue to take 19% of our profits into perpetuity.

As a preferred shareholder they will have received $20million and they are done.

Was the financing deal expensive yes, but it is minimal compared to what it would have cost us had they been equity owners!

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Hi Zotron,

Lots of good insights. I think the key here is what Kevin said right after the funding news came out. He said, “if they max out on their loan repayment ($20 million) then just think what we shareholders would have been paid.”

I’m picturing an agreed upon “split” between the shareholders and the funders on the profits which will be paid out as cash dividends. That “just think” phraseology suggests that the shareholders get the lion’s share of the cash dividends. Let’s say it’s an 80/20 split in favor of the shareholders (Maurizio owns 63% of the shares). If the funders were to max out after 5 years, then this means that the shareholders share of the cash dividend disbursements over that 5 years was $80 million and the total dividends paid out were $100 million. Imagine a deal in which the shareholders were rooting for the funders to max out on their repayment for the loan.

In other words, hay Mr. Funder, we’ll pay you a fortune for that loan if and only if we shareholders make 4 fortunes. If I were “Mr. Funder”, I’d be incentivized to move heaven and earth to help Auryn become super profitable, super quickly. Remember, the 5-year clock is ticking.

Let’s say that the funders max out after perhaps 3 years or so (my projections say that this is a very real possibility at today’s POG). If Auryn could pump out $100 million in profits/cash dividends over “X” amount of time, THEN WHAT THE HECK SHOULD THAT STOCK BE TRADING AT? The funders are smart financial people. You know darn well that when they saw only 70 million shares outstanding and 63% held by management, they pounded the table and asked for common shares as part of the deal. As you mentioned, Maurizio has promised us several times that the 70 million shares outstanding figure IS GOING NOWHERE.

When I first saw that funding press release and read “EQUITY FINANCING”, I about had a heart attack. I immediately contacted Maurizio and he swore up and down that there are ZERO common shares involved. One of my legal colleagues reminded me that PREFERRED SHARES are technically a form of EQUITY, even if they’re not convertible into common shares.

The big money here as well as the quick money is going to be made IN THE MARKET. Notice that the funders didn’t want principal and interest, THEY WANTED A CHUNK OF THE PROFITS PAINTED AS “CASH DIVIDENDS”, WITH ALL OF THE FAVORABLE TAX IMPLICATIONS THAT BRINGS WITH IT.

Auryn is what I call an “SPPT”. With 63% of the shares owned by management it is basically “SEMI-PRIVATE”, but it is also “PUBLICLY-TRADED”. Rule 144 of the 1933 Securities Act, handcuffs the owners of “RESTRICTED/CONTROL” SECURITIES from selling many shares. They can only sell dribs and drabs per quarter based on 1 of 2 formulae. More importantly for us, they can only sell shares if they first publicly file a “Form 144” citing their intent to sell shares at some point in the future. We MINORITY SHAREHOLDERS have excellent VISIBILITY of management’s shares. To me, that is worth a fortune.

Rule 144 should have told all of us a long time ago that this was going to be a CASH DIVIDEND play because “RESTRICTED/CONTROL” shares do indeed earn cash dividends. “SPPTs” are cash dividend plays. The emphasis for management is on PROFIT GENERATION as quickly as possible. Watching the share price on a minute-by-minute basis and being willing to throw out a puff press release every time the share price downticks is not in the cards in these deals. There aren’t likely to be any promised “NEXT WEEKs”.

The key event is obviously going into production. In a deal like this, SHAREHOLDER REWARDS might not be coming as quickly as in other deals, with periodic upticks in the share price, but they’re likely to be twice as big. Think about what Auryn management, despite the lousy share price, has pulled off here. They’re going into EXTREMELY HIGH-GRADE PRODUCTION, AT A TIME WHEN THE POG IS AT ALL-TIME HIGHS, AND THEY’RE DOING THIS WITH ONLY 70 MILLION SHARES OUTSTANDING to divide those cash dividends amongst.

WHAT IS THE IDEAL JUNIOR MINERAL EXPLORATION PLAY LOOK LIKE:

THEY DO WHAT IT TAKES TO MAKE IT INTO PRODUCTION. If they can pull this off, they’ve already left 98% of the competition in the dust.

GET YOUR PROJECT FUNDED-The juniors are having the worst time ever in getting even drill programs funded.

THE DISCOVERY NEEDS TO BE A HIGH-GRADE VEIN DISCOVERY. Open pits cost billions in CAPEX and take light years to permit. The environmentalists say that they’re just too “dirty”.

YOU HAVE TO HAVE THE PERMIT SITUATION UNDER CONTROL

YOU WANT TO HAVE THE MINIMUM NUMBER OF SHARES OUTSTANDING ON DAY 1 OF PRODUCTION

YOU WANT THE DEPOSIT TO BE “POLYMETALLIC” PREFERABLY GOLD AND COPPER. Most investors are currently keying in on GOLD or COPPER or preferably both. The universe of potential investors or suitors goes up nicely when GOLD and COPPER are both present with VERY HIGH GRADES.

YOU WANT MANAGEMENT TO BE WILLING TO ACT AS A “SUGAR DADDY”. Maurizio’s generosity in advancing all of that cash at zero interest rate is why Auryn only has 70 million shares outstanding.

YOU WANT YOUR VEIN DEPOSIT TO HAVE BEEN IN HIGH-GRADE PRODUCTION AT SOME TIME IN THE PAST. You want management, the “sugar daddy”, to be able to make a POSITIVE PRODUCTION DECISION, without selling hundreds of millions of shares in order to drill out the deposit. The “sugar daddy” needs to be willing to shoulder all of the RISK by advancing the project into production without drilling. The DL2 Vein strikes on surface for over 1,000-meters. It has been traced at depth to at least 700-meters. The artisanal miners mined out a 350-meter length at surface, down to a depth of over 100-meters. The grades were through the roof (64 gpt average) and BOTH THE GRADES AND VEIN WIDTHS WERE INCREASING WITH DEPTH. That’s all Maurizio needed to know in order to be willing to cut the checks.

YOU WANT TO BRING THE DEPOSIT INTO PRODUCTION AT A TIME WHEN THE POG IS ON A ROLL. Auryn was flat out lucky in this regard.

IT IS PREFERABLE THAT YOUR VEIN DEPOSIT BE A “MESOTHERMAL VEIN” DEPOSIT. These veins tend to be massive in size and they go down to depths that the epithermal veins could only dream about. Increasing in BOTH grades and width with depth is the hallmark of a MESOTHERMAL VEIN.

THE HOST COUNTRY WOULD PREFERABLY BE HEAVILY DEPENDENT ON MINING FOR ITS GDP AND THE MINING INFRASTRUCTURE IS ALREADY PRESENT. THE GEOPOLITICAL RISK SHOULD BE DE MINIMIS.

IF THE “JUNIOR PRODUCER” CAN DO SOME OF THE ORE PROCESSING ON-SITE WITH THEIR OWN EQUIPMENT, THEN THIS WILL PAY OFF HANDSOMELY.

DO NOT BE DEPENDENT UPON THE MINING MAJORS FOR EITHER THEIR FINANCIAL WHEREWITHAL OR THEIR TECHNICAL EXPERTISE. THEY’LL SCREW YOU EVERY TIME. IF A MAJOR WANTS TO TAKE YOU OUT, THEN THEY’LL JUST HAVE TO PAY THROUGH THE NOSE. THERE IS A HUGE LACK OF NEW MINERAL DISCOVERIES AND THE OUNCES OF MR/MR ON THE BALANCE SHEETS OF THE MAJORS IS DWINDLING FAST. YET IT IS EXISTENTIAL FOR THE MAJORS TO REPLACE THE OUNCES THEY MINE ON AN ANNUAL BASIS. THERE AREN’T MANY NEW JUNIOR PRODUCERS OUT THERE TO CHOOSE FROM AND AS THE SAYING GOES, TODAY’S JUNJIOR PRODUCERS DON’T STAY IN THAT CATEGORY FOR VERY LONG. THEY EITHER RAPIDLY GRADUATE TO MID-SIZED PRODUCERS OR THEY GET TAKEN OUT.

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Maurizio was trying to sell shares for the better part of 12 months. Now that the financing has been announced I’m not violating the NDA by disclosing the same. This is not an opinion but a fact. Unfortunately, nobody was willing to participate in an equity financing at any price. Debt is a different animal as the lender now has security over the assets. If the debt obligations are in default they take the assets and wipe out the equity. If the assets perform the lender has negotiated extremely attractive (eggreious?) terms.

While I generally support Maurizio’s efforts to get this project off the mat, I can’t understand why the company has neglected to disclose the terms of the financing. They should know by now, whenever there is a vacuum of details, folks like BB will rush to insert their “glossy opinion” of how investors should interpret developments. When considering these opinions have never (literally) been even close to reality, disappointment inevitably follows.

Investors deserve better transparency

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Preferred equity is not debt. It is a priority on cash distributions and liquidation proceeds over common shareholders. Their position is not a secured position.

Zotron. The first $1M is a loan and I can guarantee you there is security over the entire $4M. Like I said, Maurizio wanted to issue shares but the investment was too risky without security on the assets.

Regardless, investors shouldn’t need to be guessing about how this financing is structured. The terms should be disclosed. Especially given that the name of the financier is a newly created shell. I originally did not believe that this was an insider deal but, the lack of transparency makes me suspicious and no legitimate investor would ever consider buying shares in AUMC without knowing exactly how the preferred equity is going to be paid out. Nobody.

Investors deserve more. Just consider the insanity of the MDMN “delisting.” Most folks around here have more $ parked in MDMN vs. AUMC. That stock is now dead b/c of a failure to stay current on filings. Instead of outrage, some investors actually praised management with delusions of there being some sort of strategy. Its this type of behavior that allows Maurizio to assume that there doesn’t need to be appropriate disclosure. Toxic stuff.

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You say that you guarantee that the $1mill loan and the $3mill preferred equity is all secured. There is no mention of the company’s assets being used as security in any of the company’s updates. Using company assets as security for anything would be considered a material event and would require disclosure!

My question to you is, are you guaranteeing this idea because you feel it is customary in the industry or because you have spoken to MC and he has confirmed what you are stating?

It doesn’t make any sense to pay a 400% rate of return on funds received and then also encumber the company’s assets as well. It is illogical.

Preferred equity is not a secured position in a company. It is part of equity capital.

There’s no mention of any of the terms of this deal. The terms would all be “material events”. That’s my point. I’m not sure if I’ve ever seen a loan to a company that is basically insolvent without security. The $5M+ owed to Maurizio is also secured.

Its very rare for junior miners/explorers to take on debt b/c of the uncertainty in meeting the debt obligations (interest, amoritization). The loan has a 10 month grace period. As long as AUMC get’s into production before 10 months they should be able to pay the interest on the loan. Seems tight but is doable unless they run into issues on the permitting. A default on the debt wipes out the equity.

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