UPMA™ accounts are denominated in gold and/or silver dollars, or Goldbacks. A gold dollar is one fiftieth of a one-ounce fifty dollar U.S gold coin. A silver dollar is a one-ounce U.S silver eagle coin. Each one Goldback face value is equal to 1/1000 ozt gold. Redemptions and exchanges are all processed at one exchange rate set each business day that was based on the London Bullion Market Association (LBMA) fix. This rate is no longer used as of April 1st of 2018 due to a policy change of theirs that makes it inconvenient. Instead the spot price between 10:00 am and 10:15 am MST is used. Historically a 5.8% premium has been applied for gold‐to arrive at Alpine Gold's™ daily rate. The daily premium for silver coin has historically been 20%, while the one Goldback premium is historically set at the spot price for 1/1000 ozt gold plus $1.00 (production cost), plus 10%. These premiums are subject to change based upon market fluctuations. Please call Alpine Gold™ for more information about daily rates.

Subject to limitations specified in the Fee Schedule Alpine Gold™ offers a 0% buy/sell spread for redemptions of gold and silver legal tender into paper dollars. This means that a $1,500 paper dollar exchange for gold legal tender today allows for a $1,500 cash redemption tomorrow, assuming no change in the exchange rate. By contrast, gold dealers typically charge a significant buy-sell spread for such transactions, resulting in a loss of value to the customer.