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Kidoz Inc.

kidz · TSX-V Consumer Defensive
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FY2015 Annual Report · Kidoz Inc.
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UNITED STATES 

SECURITIES AND EXCHANGE COMMISSION  
Washington, D.C. 20549  

Form 10-K 

(Mark One)  

|X| ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE 

SECURITIES EXCHANGE ACT OF 1934 

For the fiscal year ended December 31, 2015 

|_| TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE 

SECURITIES EXCHANGE ACT OF 1934 

For the transition period from  

 to  

Commission file number 333-120120-01  

SHOAL GAMES LTD.  

(Exact name of registrant as specified in its charter)  

ANGUILLA, B.W.I. 
(State or other jurisdiction of incorporation 
or organization) 

98-0206369 
(I.R.S. Employer Identification No.) 

Hansa Bank Building, Ground Floor, Landsome Road  
AI 2640, The Valley, Anguilla, B.W.I 
(Address of principal executive offices) 

(264) 461-2646 
(Registrant’s telephone number, including area code) 

Securities registered under Section 12(b) of the Exchange Act:  

None 
(Title of Each Class & Name of each exchange on which registered) 

Securities registered under section 12(g) of the Exchange Act:  

COMMON STOCK, NO PAR VALUE PER SHARE 
(Title of class) 

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the 
Securities Act.    

       No 

 Yes 

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 
15(d) of the Act.  

       No 

 Yes 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Indicate  by  check  mark  whether  the  registrant  (1)  has  filed  all  reports  required  to  be  filed  by 
Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or 
for  such  shorter  period  that  the  registrant  was  required  to  file  such  reports),  and  (2)  has  been 
subject to such filing requirements for the past 90 days.    

       No 

  Yes 

Indicate by check mark whether the registrant has submitted electronically and posted on its 
corporate Web site, if any, every Interactive Data File required to be submitted and posted 
       No 
pursuant to Rule 405 of Regulation S-T during the preceding 12 months.    Yes 

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K 
is not contained herein, and will not be contained, to the best of registrant’s knowledge, in 
definitive proxy or information statements incorporated by reference in Part III of this Form 10-
K or any amendment to this Form 10-K.  

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a 
non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated 
filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. 

Large accelerated filer  

Non-accelerated filer  

Accelerated filer 

Smaller reporting company 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of 
the Act). 

       No 

 Yes 

State issuer’s revenues for its most recent fiscal year. 

$111,610 

State  the  aggregate  market  value  of  the  voting  and  non-voting  common  equity  held  by  non-
affiliates computed by reference to the price at which the common equity was last sold, or the 
average bid and asked price and asked price of such common equity, as of the last business day 
of the registrant’s most recently completed second fiscal quarter.  

Our  common  stock  is  currently  quoted  on  the  Over  the  Counter  Markets  –  The  Venture 
Marketplace  ("OTCQB")  operated  by  OTC  Markets  Group  Inc.  (http://www.otcmarkets.com/) 
under  the  symbol  “SGLDF”  and  on  the  TSX  Venture  Exchange  in  Canada  under  the 
symbol “SGW”. The closing share price as of March 16, 2016, being US$0.50 per share under 
the symbol SGLDF on the OTC Markets Group Inc. and CAD$0.69 under symbol SGW on the 
TSX Venture Exchange : $28,098,852.   

APPLICABLE ONLY TO CORPORATE REGISTRANTS 

Indicate the number of shares outstanding of the registrant’s common stock, no par value per 
share, was 56,197,703 as of March 16, 2016.  

DOCUMENTS INCORPORATED BY REFERENCE 

The merger of Bingo.com, Inc. with Shoal Games Ltd., which was approved by the Securities 
Exchange Commission on March 8, 2005, and is effective on April 7, 2005, is described in the 
prospectus filed under Rule 424(b) of the Securities Act and the Form S-4, which were filed on 
March 9, 2005, and March 4, 2005, respectively. The Company filed Form SB2 on September 
18, 2007, for the registration of shares originally issued in the private placement. In addition, the 
Company filed a TSX Venture Exchange Listing Application for the TSX-V listing on June 29, 
2015. 

  Page 1 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
TABLE OF CONTENTS 

PART I .......................................................................................................................................... 3 

ITEM 1. BUSINESS ................................................................................................................ 3 

ITEM 2. PROPERTIES. .......................................................................................................... 8 

ITEM 3. LEGAL PROCEEDINGS. ........................................................................................ 8 

ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS. ............ 9 

PART II ....................................................................................................................................... 10 

ITEM 5. MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED 
STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES. 10 

ITEM 6. SELECTED FINANCIAL DATA .......................................................................... 12 

ITEM 7. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL 
CONDITION AND RESULTS OF OPERATIONS. ............................................................. 13 

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA. ...................... 19 

ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON 
ACCOUNTING AND FINANCIAL DISCLOSURE. .......................................................... 45 

ITEM 9A.  CONTROLS AND PROCEDURES ................................................................... 45 

ITEM 9B. OTHER INFORMATION .................................................................................... 46 

PART III ..................................................................................................................................... 47 

ITEM 10.  DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE  

GOVERNANCE .................................................................................................................... 47 

ITEM 11.  EXECUTIVE COMPENSATION ....................................................................... 50 

ITEM 12.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND 
MANAGEMENT AND RELATED STOCKHOLDERS MATTERS .................................. 53 

ITEM 13.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND 
DIRECTOR INDEPENDENCE ............................................................................................ 56 

ITEM 14.  PRINCIPAL ACCOUNTANT FEES AND SERVICES ..................................... 56 

PART IV ..................................................................................................................................... 56 

ITEM 15.  EXHIBITS ............................................................................................................ 56 

SIGNATURES ....................................................................................................................... 57 

CERTIFICATIONS ............................................................................................................... 58 

CERTIFICATION PURSUANT TO 18 U.S.C. §1350, AS ADOPTED PURSUANT TO 
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 ............................................ 60 

EXHIBIT LIST ...................................................................................................................... 62 

  Page 2 

 
 
PART I 

This Annual Report on Form 10-K contains forward-looking statements that involve risks and 
uncertainties.    All  statements  contained  herein  that  are  not  statements  of  historical  fact 
constitute “forward-looking statements” within the meaning of the Private Securities Litigation 
Reform  Act  of  1995.  Discussions  containing  forward-looking  statements  may  be  found  in  the 
material  set  forth  under  “Business,”  and  “Management's  Discussion  and  Analysis  or  Plan  of 
Operation,”  as  well  as  in  this  Annual  Report  generally.    We  generally  use  words  such  as 
“believes,”  “intends,”  “expects,”  “anticipates,”  “plans,”  and  similar  expressions  to  identify 
forward-looking statements. Although we believe that the expectations reflected in the forward-
looking  statements  are  reasonable,  we  cannot  guarantee  future  results,  level  of  activity, 
performance  or  achievements.  These  forward-looking  statements  are  subject  to  risks, 
uncertainties and other factors, some of which are beyond our control, which could cause actual 
results to differ materially from this forecast or anticipated in such forward-looking statements.   

You  should  not  place  undue  reliance  on  these  forward-looking  statements,  which  reflect  our 
view only as of the date of this report. We undertake no obligation to update these statements or 
publicly release the result of any revisions to these statements to reflect events or circumstances 
after the date of this report or to reflect the occurrence of unanticipated events. 

ITEM 1. BUSINESS 

INTRODUCTION  

Shoal  Games  Ltd.  (the  "Company")  owns  and  markets  a  non-gambling  social  bingo  game  called 
Trophy  Bingo.    Trophy  Bingo  is  an  innovative  free-to-play  mobile  game  live  in  the  Apple,  Google 
and Amazon App Stores.  Trophy Bingo brings unique gameplay and industry leading monetization 
techniques  to  the  bingo  category  which  is  both  high  growth  and  high  value.    The  game  is  free  to 
download  and  supports  in-app  purchases  and  in-game  advertising  for  players  who  want  to  engage 
with  the  premium  features  contained  in  the  game.    In-game  purchases  are  transactions  made  from 
within  a  mobile  game  that  are  processed  by  the  platform  provider  (Apple  iOS;  Google  Android; 
Amazon  Android).    The  worldwide  full  launch  and  marketing  of  Trophy  Bingo  commenced  in  the 
third quarter of 2015 when the latest version of Trophy Bingo was released world-wide in the Apple 
App Store and Google Play Store on all supported mobile phones and tablet devices. 

The Company generates its main source of revenue from players making in-app purchases in Trophy 
Bingo via the Google Play Store, the Apple App Store and the Amazon Store. An additional source of 
revenue  comes  from  serving  advertising  to  our  user  demographic  inside  the  Trophy  Bingo  game.  
Through  relationships  we  have  with  advertising  aggregators  and  providers,  companies  pay  to  have 
their  products  and  services  promoted  in  our  App,  or  previously,  on  our  web  site  and  in  some  cases 
produced residual revenues as their customers continue to play or use their services. 

Prior  to  December  31,  2014  the  Company  provided  a  variety  of Internet  games  plus  other  forms  of 
entertainment,  including  an  online  community,  chat  rooms,  and  more.  This  portion  of  the  business 
was sold to Unibet, plc on December 31, 2014 and can be viewed at www.bingo.com. 

We conducted a beta test launch of Trophy Bingo in May 2013, followed by a global soft launch of 
the enhanced game on Android in August, 2014 and on iOS in September 2014.  Trophy Bingo was 
released  worldwide  in  the  Google  Play  Store  on  August  12,  2015,  in  the  Apple  App  Store  on 
September 3, 2015, and in the Amazon Appstore on November 30, 2015. 

References in this document to “the Company,” “we,” “us,” and “our” refer to Shoal Games Ltd. and 
our subsidiaries, which are described below. 

Our  executive  offices  are  located  at  Hansa  Bank  Building,  Ground  Floor,  Landsome  Road,  The 
Valley, AI 2640, The Valley, Anguilla, B.W.I.  Our telephone number is (264) 461-2646. 

  Page 3 

 
 
 
 
History and Corporate Structure 

The Company was originally incorporated in the State of Florida on January 12, 1987.  

Effective  January  22,  1999,  the  Company  acquired  the  use  of  the  second  level  domain  name 
bingo.com and embarked on our business strategy to become a leading online provider of bingo based 
games and entertainment. 

Effective April 7, 2005, the shares of Bingo.com, Ltd. by way of a merger between Bingo.com, Inc. 
and Bingo.com, Ltd., began trading under the new ticker symbol “BNGOF”. 

On  January  22,  2015,  Bingo.com,  Ltd.  filed  Articles  of  Amendment  with  the  Anguilla  Registrar  of 
Companies changing its name to “Shoal Games Ltd.”.  Effective at the open of markets on January 
27,  2015,  the  Common  Shares  commenced  trading  under  the  new  trading  symbol  “SGLDF”  on  the 
OTC-QB. 

On June 29, 2015, the Company filed a TSX Venture Exchange Listing Application for the TSX-V 
listing and commenced trading on July 2, 2015, under the symbol “SGW”. 

We  conduct  our  business  through  the  Anguilla  incorporated  entity  and  through  our  wholly-owned 
subsidiaries  English  Bay  Office  Management  Limited  (“English  Bay”),  Shoal  Games  (UK)  plc 
(“Shoal UK”), Coral Reef Marketing Inc. (“Coral Reef”) and Shoal Media Inc. 

English Bay was incorporated under the laws of British Columbia, Canada, on February 10, 1998, as 
559262  B.C.  Ltd.  and  changed  its  name  to  Bingo.com  (Canada)  Enterprises  Inc.  on  February  11, 
1999. It subsequently changed its name to English Bay Office Management Limited on September 8, 
2003.  

On August 15, 2002, we acquired 99% of the share capital of Shoal UK. Shoal UK was incorporated 
under the laws of England and Wales on August 18, 2000, as CellStop plc. and changed its name to 
Bingo.com (UK) plc. on August 5, 2002. During the year ended December 31, 2015, the Company 
changed the name of the company to Shoal Games (UK) plc.  

On January 21, 2008, Coral Reef Marketing Inc., was incorporated under the laws of Anguilla, British 
West Indies. 

On  January  1,  2013,  we  acquired  100%  of  the  share  capital  of  Shoal  Media  Inc.,  an  Anguillian 
Company.  

We also maintain a number of inactive wholly-owned subsidiaries.  These are: 

-  Bingo.com  (Antigua),  Inc.,  (“Bingo.com  (Antigua”) 

incorporated  as  an  Antigua 
International  Business  Corporation  on  April  7,  1999,  as  Star  Communications  Ltd.  and 
changed its name to Bingo.com. (Antigua), Inc. on April 21, 1999;   

-  Bingo.com (Wyoming), Inc., incorporated in the State of Wyoming on July 14, 1999;  
-  Bingo.com Acquisition Corp., incorporated in the State of Delaware on January 9, 2001. 

All  three  of  the  inactive  subsidiaries  were  incorporated  to  facilitate  the  implementation  of  business 
plans  that  we  have  since  modified  and  refocused  and,  consequently,  there  is  no  activity  in  these 
entities. 

Our common shares are currently quoted on the Over the Counter Markets - The Venture Marketplace 
("OTCQB")  operated  by  OTC  Markets  Group  Inc.  under  the  symbol  “SGLDF”  and  on  the  TSX 
Venture  Exchange  in  Canada  under  the  symbol  “SGW”.    We  have  not  been  subject  to  any 
bankruptcy, receivership or other similar proceedings.  

Development of the Business 

Our current business strategy is to manage and grow our business with minimal overhead, focusing 
on our major asset, the social bingo game Trophy Bingo.  

  Page 4 

 
 
 
Bingo.com Domain Name  

On  January  18,  1999,  we  purchased  the  exclusive  right  to  use  the  domain  name  bingo.com  from  a 
then unrelated company, Bingo, Inc., an Anguilla corporation, for (i) a $200,000 cash payment, (ii) 
500,000 shares of our common stock (at a value of $2.00 per share) and (iii) an agreement to pay, on 
an ongoing basis, the Domain Name Purchase price amounting to 4% of our annual gross revenues, 
with  a  total  minimum  guaranteed  Domain  Name  Purchase  payment  of  $1,100,000  in  the  first  three 
years of the 99 year period ending December 31, 2098. The value of the bingo.com domain name was 
based on factors such as the ability for us to create a brand for our website based on the name, the 
ease  of  Internet  search  ability  of  the  domain  name,  and  the  ability  of  visitors  to  our  website  to 
remember  and  associate  the  name  with  our  website  and  business.  We  negotiated  the  terms  of  the 
domain  name  acquisition  at  arms'  length,  and  we  believe  the  consideration  we  paid  for  the  domain 
name was reasonable.  

During  the  year  ended  December  31,  2002,  the  agreement  was  amended  so  that  the  remaining 
Domain Name Purchase payments to the vendor were made monthly, based on 4% of the preceding 
month’s gross revenue. 

In the latter half of fiscal 2010, the Company engaged an independent valuation company, to value 
the  remaining  4%  Domain  Name  Purchase  payments.    The  Company  reviewed  the  independent 
valuation  and  after  considering  this  and  other  external  variables,  the  Company  and  Bingo,  Inc.,  the 
holder of the 4% Domain Name Purchase payments, agreed that the value of the 4% Domain Name 
Purchase  payments  to  be  $900,000.  During  the  year  ended  December  31,  2010,  the  Company 
purchased the remaining Domain Name Purchase payments for $900,000 from Bingo, Inc., with the 
issuance of 6,000,000 common shares of Bingo.com, Ltd., at a value of $0.15 per share.  

Effective December 31, 2014, the Company sold the Bingo.com domain name to Unibet Group plc 
for  $8  million.  The  Company  received  cash  consideration  of  $2,000,000  and  the  redemption  of  the 
15,000,000 common shares of the Company at a price of $0.40 per share, which were held by Unibet. 
The  15,000,000  common  shares  held  by  Unibet  Group  plc.  have  been  returned  to  the  Company’s 
treasury and subsequently canceled. 

Shoal Games Domain Names 

We  own  the  domain  names  Shoalgames.com,  Shoalgames.net,  Shoalmedia.com,  Shoalmedia.net, 
Trophybingo.com,  Trophybingo.net,  and  Trophybingo.ca.    On  January  22,  2015,  the  Company 
changed its name from Bingo.com, Ltd. to Shoal Games Ltd. and on January 27, 2015 commenced 
trading  on  the  OTCQB  exchange  with  the  symbol  SGLDF.  On  July  2,  2015,  the  Company 
additionally commenced trading on the TSX Venture Exchanged with the symbol “SGW”. 

BUSINESS OVERVIEW 

Our  objective  is  to  become  a  leading  social  bingo  game  provider.  We  intend  to  leverage  the 
worldwide popularity of bingo with the growth of social games to make Trophy Bingo a top grossing 
title.  

We are in the business of owning and marketing Trophy Bingo, an innovative, non-gambling social 
bingo game, currently live in the Google Play Store, the Apple App Store and the Amazon Appstore. 
Trophy Bingo is an innovative free-to-play mobile game live in the Apple, Google and Amazon App 
Stores.    Trophy  Bingo  brings unique  gameplay  and  industry  leading  monetization  techniques  to  the 
bingo category which is both high growth and high value.  The game is free to download and supports 
in-app purchases and in-game advertising for players who want to engage with the premium features 
contained in the game.   

Gaming Revenue Business 

During  the  quarter  ended  June  30,  2005,  Bingo.com,  N.V.,  a  subsidiary  of  Bingo.com,  Ltd., 
commenced  gaming  for  cash  whereby  players  purchase  bingo  cards  and  wager  on  other  soft  games 
such as video poker, hi-lo, and slots with the target audience being the United States and the games 
played in US dollars.  

  Page 5 

 
On  September  30,  2006,  the  United  States  Senate  passed  the  Unlawful  Internet  Gambling 
Enforcement  Act  2006  (“UIGEA”),  which  was  signed  into  law  by  President  Bush,  on  October  13, 
2006.  The  legislation  aimed  to  prohibit  the  funding  of  illegal  online  gambling  to  United  States 
citizens  and  residents.  Effective  October  12,  2006,  in  response  to  the  UIGEA  we  sold  our  United 
States player database and related assets to an unrelated company. The asset disposition included the 
registered  online  gaming  players,  the  gaming  servers,  and  the  complete  database  of  real  money 
players.  

During  the  quarter  ended  June  30,  2007,  we  launched  our  United  Kingdom  focused  website,  with 
games targeted to the United Kingdom audience and the games played in British pounds sterling.  

During the quarter ended June 30, 2010, we migrated to the Unibet’s Partner Program as a network 
operator of their multi-language and multi-currency bingo and casino systems.  

Effective  December  31,  2014,  we  sold  the  domain  name,  www.bingo.com  and  its  online  gambling 
community  to  Unibet  Group  plc.  and  changed  our  name  from  Bingo.com,  Ltd.  to  Shoal  Games  ltd.  
The Company’s focus is now on its social bingo game, Trophy Bingo.  

Advertising Revenue Business 

We  have  in  the  past  used  the  appeal  of  the  bingo.com  domain  name  to  sell  advertising  on  the  free 
section  of  our  website,  which,  initially,  was  our  primary  revenue  source.  During  the  quarter  ended 
June 30, 2005, we commenced offering traditional bingo and other pay-for-play games to our players, 
which replaced advertising as our main source of revenue.  

Upon  selling  the  pay-for-play  games  to  Unibet  on  December  31,  2014,  residual  revenues  from  the 
advertising  revenue  from  the  bingo.com  website  accounted  for  approximately  11%  of  our  revenue 
from continuing operations for the year ended December 31, 2015.  

Social Bingo Business 

The Company is now developing a social bingo game called Trophy Bingo on Apple’s iOS, Google’s 
Android and Amazon Android systems primarily on smartphones and tablets.  Trophy Bingo was soft 
launched in August 2014 and launched worldwide in the third quarter of fiscal 2015. Revenue will be 
generated in the game via in-app purchases for players who find themselves in need of extra bingos or 
want  to  engage  with  the  premium  power  plays  contained  in  the  game.  Trophy  Bingo  also  offers 
companies the ability to provide advertising to players in a non-intrusive manner on a pay per view 
basis to the Company. 

The Niche  

We  continue  to  work  towards  positioning  ourselves  as  a  leading  social  bingo  game  provider.    We 
believe the size of the worldwide social bingo community and the entertainment offered by Trophy 
Bingo  provide  us  with  an  opportunity  to  build  a  large  loyal  base  of  daily  visitors  from  around  the 
world.  

We  believe  that  social  bingo  games  are  valuable  entertainment  in  today’s  mobile-first  environment 
and that mobile bingo games are a compelling entertainment medium for a mass user audience.  

BUSINESS STRATEGY 

Our  objective  is  to  become  a  leading  social  bingo  game  publisher  with  Trophy  Bingo.  We  are 
pursuing this objective through the following strategies:  

Revenue streams 

In  year  ended  December  31,  2015,  we  earned  revenue  from  the  social  bingo  segment  from  Trophy 
Bingo, whereby players make in-app purchases to earn in-game currency which they can then spend 
on extra bingos or on the premium power plays contained within the game. In addition, Trophy Bingo 
generates in revenue using a free-to-play strategy where players can choose to watch advertising. 

In 2015 we generated 89% of revenue from our social bingo game. 

  Page 6 

 
 
 
Social Bingo Plans 

The Company has a host of new features currently in development that are intended for release in the 
Trophy  Bingo  game.  The  Company  intends  to  complete  the  software  development  presently 
underway before expanding our marketing efforts beyond the current maintenance level.  One of the 
features  in  development  is  a  viral  social  referral  system.    Trophy  Bingo  will  contain  many  social 
features  that  are  designed  to  increase  the  number  of  players  downloading  the  App  which,  in  turn, 
decreases  our  per  player  acquisition  costs.    When  marketing  does  commence,  and  as  the  player 
volume increases, the viral aspects of the game will play an increasingly important role, as they will 
significantly increase the number of players in Trophy Bingo at no incremental cost to the Company.   

Marketing Strategy  

Our  goal  is  for  Trophy  Bingo  to  become  one  of  the  most  recognized  and  most  visited  social  bingo 
games  on  the  Internet,  in  the  Google  Play  Store,  in  the  Apple  App  Store  and  in  the  Amazon  App 
Store. We intend to continue building a social community consisting of a dedicated and loyal player 
base that will support our ability to generate both advertising and in-app purchase revenues.  

OPERATIONS  

Employees  

As  of  December  31,  2015,  we  had  one  full-time  employee,  not  including  temporary  personnel, 
consultants, and independent contractors. Since 2006 it has been, and continues to be, the Company’s 
objective  to  control  its  costs  by  retaining  consultants,  as  needed,  to  provide  special  expertise  in 
developing  internal  strategic,  marketing,  accounting  and  technical  services,  while  outsourcing  our 
development requirements.  None  of  our  employees or  consultants  are  represented  by  a  labor  union, 
and we believe that our relationship with our employees and consultants is good. 

We are substantially dependent upon the continued services and performance of J. M. Williams, Chief 
Executive  Officer  and  T.  M.  Williams,  Executive  Chairman.  The  loss  of  the  services  of  these  key 
individuals  would  have  a  material  adverse  effect  on  our  business,  financial  condition  and  results  of 
operations. We do not carry any key man life insurance on any individuals. 

Seasonality 

We do not believe that seasonality has an effect on our traffic volumes or our revenue realization. 

Competition  

Mobile  bingo  is  a  relatively  new  industry  that  has  been  overlooked,  underestimated  and  generally 
misunderstood  by  the  large  players  in  the  social  gaming  industry.    Bingo  has  been  seen  as  an  “old 
ladies game” not worthy of a concentrated marketing and development effort.  The biggest successes 
in the mobile bingo industry have been the niche companies that understand the bingo market and not 
the larger companies that are, typically, from a video game or gaming background.  Larger operators 
have  acquired  the  companies  behind  the  leading  social  bingo  games.    Caesars  Interactive 
Entertainment  acquired  Buffalo  Studios,  the  makers  of  Bingo  Blitz,  in  2012  for  $53  million.    More 
recently in 2014, GSN Games purchased Bash Gaming, the makers of Bingo Bash, for $160 million.  
The Company views these acquisitions as additional confirmation that the social bingo marketplace is 
valuable and will support another market entrant. 

Costs and Effects of Compliance with Environmental Laws 

Our company is in the business of marketing Trophy Bingo, a form of entertainment focused on the 
game  of  bingo.    To  the  best  of  our  knowledge,  no  federal,  state  or  local  environmental  laws  are 
applicable to our business. 

BRITISH COLUMBIA SECURITIES COMMISSION 

Effective September 15, 2008, the British Columbia Securities Commission (“BCSC”) issued rule 51-
509  Issuers  Quoted  in  the  U.S.  Over-the-Counter  Markets.  Rule  51  -  509  requires  all  Over-the-
Counter  Companies  that  have  connections  to  British  Columbia  (BC)  to  comply  with  BC  securities 
law  and  certain  public  disclosure  requirements.  The  Company  is  deemed  to  have  connection  to  BC 
  Page 7 

 
 
 
due to the fact that administration and a director are located in BC. The Company has complied with 
rule 51-509 and registered and filed the necessary documents on SEDAR. The Company is deemed, 
due  to  the  fact  that  there  are  less  than  50%  of  the  Company’s  shareholders  located  in  BC,  to  be  a 
foreign reporting issuer in accordance with NI 71-102 “Continuous Disclosure and Other Exemptions 
Relating  to  Foreign  Issuers”.  Therefore  the  Company  is  only  required  to  file  what  it  files  with  the 
Securities and Exchange Commission on SEDAR. 

FINANCIAL INFORMATION ABOUT GEOGRAPHIC AREAS 

The  equipment  of  the  Company  to  operate  the  operations  of  the  Company  is  located  in  Anguilla, 
United  Kingdom,  USA  and  Canada.  The  revenue  from  in-app  purchases  is  worldwide,  with  the 
majority from Europe and the USA. 

AVAILABLE INFORMATION 

The Company makes available through the Corporate Shoal Games section of its internet website at 
http://investor.shoalgames.com  its  annual  report  on  Form  10-K,  quarterly  reports  on  Form  10-Q, 
current  reports  on  Form  8-K,  Press  Releases  and  amendments  to  those  reports  filed  or  furnished 
pursuant  to  Section  13(a)  or  15(d)  of  the  Exchange  Act,  as  soon  as  reasonably  practicable  after 
electronically filing such material with the Securities and Exchange Commission.  

You may read and copy any reports, statements or other information that we file with the Securities 
and Exchange Commission at the Securities and Exchange Commission’s Public Reference Room at 
100  F  Street,  N.E.,  Washington  D.C.  20549.  You  can  request  copies  of  these  documents,  upon 
payment of a duplicating fee, by writing to the Securities and Exchange Commission. Please call the 
Securities and Exchange Commission at 1-800-SEC-0330 for further information on the operation of 
the Public Reference Room.  

We  file  our  reports  with  the  Securities  and  Exchange  Commission  electronically  through  the 
Securities  and  Exchange  Commission’s  Electronic  Data  Gathering,  Analysis  and  Retrieval 
(“EDGAR”)  system.  The  Securities  and  Exchange  Commission  maintains  an  Internet  site  that 
contains reports, proxy and information statements, and other information regarding companies that 
file  electronically  with  the  Securities  and  Exchange  Commission  through  EDGAR.  The  address  of 
this Internet site is http://www.sec.gov. 

In addition, we file our reports on SEDAR, in accordance with rule 51-509 Issuers Quoted in the U.S. 
Over-the-Counter Markets as required by the British Columbia Securities Commission. 

ITEM 2. PROPERTIES.  

Since  2005  our  executive  office  is  located  in  The  Valley,  Anguilla,  British  West  Indies.  We 
commenced the present lease agreement on April 1, 2010, for a period of one year. Unless 3 month’s 
notice is given it automatically renews for a future 3 months until notice is given. To date no notice 
has been given. The monthly rental is $250.  

Our  primary  administrative  facility  is  located  in  leased  space  in  Vancouver,  British  Columbia.  
During the year ended December 31, 2011, the lease was amended and extended in April 2014. The 
lease  expires  April  30,  2017.  This  facility  comprises  approximately  463  square  feet.  The  monthly 
rental is approximately $1,216.  

We operate a sales and marketing office in London, United Kingdom. 

We believe that these facilities will be adequate to meet our requirements for the near future and that 
suitable additional space will be available if needed. Other than described above, neither we, nor any 
of our subsidiaries presently own or lease any other property or real estate.  

ITEM 3. LEGAL PROCEEDINGS. 

We  are  not  currently  a  party  to  any  legal  proceedings  and  were  not  a  party  to  any  other  legal 
proceeding, during the fiscal year ended December 31, 2015. We are currently not aware of any legal 
proceedings proposed to be initiated against us. However, from time-to-time, we may become subject 
to claims and litigation generally associated with any business venture.  

  Page 8 

 
ITEM 4 SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS.  

We  held  our  Annual  Meeting  of  Stockholders  in Anguilla  on  September  23,  2015,  all  matters  were 
unanimously approved. There were no submissions of matters to a vote of security holders during the 
third and fourth quarter of 2015.  

  Page 9 

 
 
 
PART II 

ITEM 
STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES.  

5.  MARKET  FOR  REGISTRANT’S  COMMON  EQUITY,  RELATED 

Our  common  stock  is  currently  quoted  on  the  TSX  Venture  Exchange  in  Canada  under  the 
symbol  “SGW”  and  on  the  Over  the  Counter  Markets  –  The  Venture  Marketplace  ("OTCQB") 
operated by OTC Markets Group Inc. under the symbol “SGLDF”.  

On  March  19,  1997,  our  common  stock  was  approved  for  trading  on  the  National  Association  of 
Securities Dealers OTC Bulletin Board (the “OTCBB”) under the symbol “PGLB”.  In January 1999, 
when we changed our name to Bingo.com, Inc., our OTCBB symbol was changed to “BIGG”.  On 
July  26,  1999,  we  changed  our  trading  symbol  from  “BIGG”  to  “BIGR”.  On  April  7,  2005, 
Bingo.com, Inc. completed a merger with its wholly- owned subsidiary Bingo.com, Ltd. The principal 
reason for Bingo.com, Inc.’s merger with its subsidiary Bingo.com, Ltd. was to facilitate Bingo.com, 
Inc.’s reincorporation under the International Business Companies Act of Anguilla, B.W.I. Effective 
April 7, 2005, the shares of Bingo.com, Ltd. began trading under the new ticker symbol “BNGOF”. 
In  2011,  we  transferred  to  the  Over  the  Counter  Markets  -  The  Venture  Marketplace  ("OTCQB") 
operated  by  OTC  Markets  Group  Inc.,  whilst  continuing  our  ticker  symbol  “BNGOF”.  The  bid 
quotations  set  forth  below,  reflect  inter-dealer  prices,  without  retail  mark-up,  mark-down  or 
commission and may not reflect actual transactions. During the year ended December 31, 2015, the 
Company changed its name to Shoal Games Ltd. and changed our trading symbol from “BNGOF” to 
“SGLDF”. Effective July 2, 2015, the Company additionally commenced trading on the TSX Venture 
Exchange in Canada under the symbol “SGW”. 

Quarter Ended 
December 31, 2015 
September 30, 2015 
June 30, 2015 
March 31, 2015 
December 31, 2014 
September 30, 2014 
June 30, 2014 
March 31, 2014 
Prices as per Yahoo! TM Finance 

1. 

High (1) 
$0.75 
$0.75 
$0.53 
$1.00 
$0.80 
$0.80 
$0.54 
$0.45 

Low (1) 
$0.36 
$0.20 
$0.19 
$0.40 
$0.601 
$0.301 
$0.385 
$0.36 

On  March  16,  2016,  the  last  reported  sale  price  of  our  common  stock,  as  reported  by  the  OTCQB, 
was $0.50 per share.  

As of March 16, 2016, we believe there are approximately 480 shareholders (including nominees and 
brokers holding street accounts) of our shares of common stock.  

Other than described above, our shares of common stock are not and have not been listed or quoted 
on any other exchange or quotation system. 

Dividend Policy 

We  have  not  declared  or  paid  any  cash  dividends  on  our  common  stock  since  our  inception.    The 
Board  of  Directors  is  presently  reviewing  the  Companies  dividend  policy.  Any  future  payment  of 
dividends will depend upon our results of operations, financial condition, cash requirements and other 
factors deemed relevant by our Board of Directors. 

Recent Sales of Unregistered Securities 

On  January  28,  2014,  we  closed  an  offer  of  500,000  common  shares  at  $0.40  per  share  to  one 
subscriber. These shares were issued under Regulation S. The subscriber who received shares under 
Regulation  S  is  not  a  U.S.  Persons  as  defined  in  Rule  902(k)  of  Regulation  S,  and  no  sales  efforts 
were  conducted  in  the  U.S.,  in  accordance  with  Rule  903(c).    The  subscriber  to  the  offering  under 
Regulation S acknowledged that the securities purchased must come to rest outside the U.S., and the 

 Page 10 

 
 
certificates will contain a legend restricting the sale of such securities until the Regulation S holding 
period is satisfied. 

On  March  31  2014,  we  closed  an  offer  of  1,250,000  common  shares  at  $0.40  per  share  to  one 
subscriber. These shares were issued under Regulation S. The subscriber who received shares under 
Regulation  S  is  not  a  U.S.  Persons  as  defined  in  Rule  902(k)  of  Regulation  S,  and  no  sales  efforts 
were  conducted  in  the  U.S.,  in  accordance  with  Rule  903(c).    The  subscriber  to  the  offering  under 
Regulation S acknowledged that the securities purchased must come to rest outside the U.S., and the 
certificates will contain a legend restricting the sale of such securities until the Regulation S holding 
period is satisfied. 

On June 24, 2014, an option holder exercised his options for 55,000 shares of the Company at $0.17 
per share. 

On  September  29,  2014,  we  closed  an  offer  of  1,000,000  common  shares  at  $0.70  per  share  to  one 
subscriber. These shares were issued under Regulation S. The subscriber who received shares under 
Regulation  S  is  not  a  U.S.  Persons  as  defined  in  Rule  902(k)  of  Regulation  S,  and  no  sales  efforts 
were  conducted  in  the  U.S.,  in  accordance  with  Rule  903(c).    The  subscriber  to  the  offering  under 
Regulation S acknowledged that the securities purchased must come to rest outside the U.S., and the 
certificates will contain a legend restricting the sale of such securities until the Regulation S holding 
period is satisfied. 

On September 30, 2015, option holders exercised their options for 515,000 shares of the Company at 
$0.15 per share. 

Subsequent  to  the  year  ended  December  31,  2015,  the  Company  commenced  a  CAD$2  million 
private  placement  of  3,333,333  common  shares  at  CAD$0.60  per  share.  The  private  placement 
commenced on February 29, 2016 and will close on April 29, 2016.  

Securities authorized for issuance under equity compensation plans.  

We have reserved a total of 1,895,000 common shares for issuance under our 1999 stock option plan.  
Pursuant  to  this  plan  we  have  nil  stock  purchase  options  (2014  -  nil)  outstanding  at  December  31, 
2015.  During  the  year  ended  December  31,  2015,  there  were  nil  options  exercised  and  nil  options 
expired, issued under the 1999 plan.  

We have reserved a total of 5,424,726 common shares for issuance pursuant to grants under the 2001 
stock option plan.  Pursuant to this plan we have nil stock purchase options (2014 - nil) outstanding as 
at December 31, 2015. During the year ended December 31, 2015, there were nil options exercised 
and nil options expired, issued under the 2001 plan. 

We have reserved a total of 2,000,000 common shares for issuance under our 2005 stock option plan.  
Pursuant to this plan we have nil stock purchase options (2014 - 520,000) outstanding at December 
31, 2015. During the year ended December 31, 2015, there were 515,000 stock options issued under 
the 2005 plan exercised, hand 5,000 stock options issued under the 2005 plan expired unexercised. 

The 1999 and 2001 plans were approved in 2001 by our shareholders and the 2005 plan was approved 
by our shareholders in 2005. 

 Page 11 

 
 
 
 
Equity Compensation Plan Information 

Number of securities to be 
issued upon exercise of 
outstanding options and 
rights  
(a)  
0 

Weighted average 
exercise price of 
outstanding options and 
rights  
(b)  
0 

Number of securities 
remaining available 
for future issuance  
(c)  
6,550,776 

0 

0 

0 

0 

0 

6,550,776 

Plan category 

Equity compensation 
plans approved by 
security holders  
Equity compensation 
plans not approved by 
security holders  
Total  

As of the date of this report no further options have been awarded subsequent to the year ended 
December 31, 2015. 

ITEM 6. SELECTED FINANCIAL DATA. 
Consolidated Statement of Operations Data for continuing operations: 

  Year Ended December 31, 

2015 

2014 

2013 

2012 

2011 

Revenue 
Advertising revenue 
Trophy Bingo revenue 
Total revenue 

$ 

12,196  $ 
99,414  
111,610 

22,655  $ 
9,815  
32,470 

Trophy Bingo amortization 
Gross (loss) profit 

482,012 
(370,402) 

482,013 
(449,543) 

25,133  $ 
1,256  
26,389 

- 
26,389 

44,693  $ 

-  
44,693 

- 
44,693 

66,705 
-  
66,705 

- 
66,705 

Operating expenses 
excluding interest and other 
income (expenses) 
Interest and other income 
Income tax expense 
Net loss from continuing 
operations 

Discontinued Operations 
Gaming revenue 
Cost of producing revenue 
Gain from the sale of the 
domain name 
Selling and marketing 
Net (loss) profit 

Basic and diluted net loss 
per share from continuing 
operations 
Weighted average common 
shares outstanding 

(2,612,194) 
1,089 
(480) 

(2,221,663) 
510 
(848) 

(780,754) 
840 
(1,666) 

(594,897) 
1,258 
(1,008) 

(1,030,299) 
2,887 
(3,692) 

$ 

(2,981,987)  $ 

(2,671,544)  $ 

(755,191)  $ 

(549,954)  $ 

(964,399)  

- 
- 

16,305 
- 
(2,965,682) 

1,684,047 
- 

6,677,759 
(628,029) 
5,062,233 

1,912,301  
- 

1,721,135  
- 

1,349,953  
- 

- 
(1,942,885) 
(785,766) 

- 
(1,217,416) 
(46,235) 

- 
(1,074,570) 
(689,016)  

$ 

(0.05)  $ 

(0.04)  $ 

(0.01)  $ 

(0.01)  $ 

(0.02) 

55,812,511 

67,165,374 

64,156,392 

63,877,703 

54,716,388 

 Page 12 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  Year Ended December 31, 

2015 

2014 

2013 

2012 

2011 

Consolidated Balance Sheet Data: 
Cash 
Total assets 
Total liabilities 
Total stockholders’ equity 
Working capital 

$ 

1,129,526 
177,792 
951,734 
454,447 

570,086  $ 

2,876,386  $ 
3,996,745 
156,579 
3,840,166 
2,856,230 

491,203  $ 

876,004  $ 

3,607,123 
238,540 
3,368,583 
646,015 

3,362,054 
105,608 
3,256,446 
1,640,713 

787,524 
2,438,967 
96,291 
2,342,676 
1,058,631 

ITEM 7. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL 
CONDITION AND RESULTS OF OPERATIONS.  

The  information  contained  in  this  Management's  Discussion  and  Analysis  or  Plan  of  Operation 
contains  "forward  looking  statements."  Actual  results  may  materially  differ  from  those  projected  in 
the  forward  looking  statements  as  a  result  of  certain  risks  and  uncertainties  set  forth  in  this  report. 
Although management believes that the assumptions made and expectations reflected in the forward 
looking statements are reasonable, there is no assurance that the underlying assumptions will, in fact, 
prove to be correct or that actual future results will not be materially different from the expectations 
expressed  in  this  Annual  Report.  The  following  discussion  should  be  read  in  conjunction  with  the 
audited Consolidated Financial Statements and related Notes thereto included in Item 7 and with the 
Special Note regarding forward-looking statements included in Part I. 

OVERVIEW 

From  1999  to  2014,  we  have  been  focused  on  providing  online  bingo  games  over  the  Internet  to 
players around the world. We began to experience revenue growth from the advertising contained in 
these  games  in  fiscal  2000.  In  early  2005  we  expanded  our  entertainment  offering  to  include  bingo 
games for money as well as soft games such as video poker, slots and hi-lo.  In 2010, the Company 
joined the Unibet Partner Program, and focused on marketing its offering to players around the world. 
On December 31, 2014 we sold our internet gaming business and our www.bingo.com domain name 
to Unibet Group plc.  

In  2014,  we  earned  revenue  from  our  gaming  segment,  whereby  the  Company  drove  players  to  the 
bingo.com website which under the Unibet Partner Program offered bingo and other games, such as 
slots and casino, for money to our players. Effective December 31, 2014 this was discontinued.  

In 2015 we earned 89% of our revenue from our social bingo game Trophy Bingo.  The game is free 
to download and supports in-app purchases and in-game advertising for players who want to engage 
with the premium features contained in the game.   

Since  inception  we  have  made  a  significant  investment  in  the  development  of  our  website, 
development  of  Trophy  Bingo,  purchase  of  domain  names,  branding,  marketing,  maintaining 
operations and development of Trophy Bingo.  As a result we have incurred significant losses since 
inception, and as of December 31, 2015, had an accumulated deficit of $18,407,136.  

Moving forward, we will continue to control operating costs and expansion costs with the objective to 
operate profitably and efficiently.  

The consolidated statement of operations data for the years ended December 31, 2015, and 2014, and 
the consolidated balance sheet data as of December 31, 2015, and 2014, are derived from our audited 
consolidated  financial  statements  included  in  Item  7  of  this  report,  which  have  been  audited  by 
Davidson and Company LLP, independent auditors. The consolidated statement of operations data for 
the years ended December 31,  2013, 2012, and 2011, and the consolidated balance sheet data as of 
December 31, 2013, 2012, and 2011, are derived from audited consolidated financial statements not 
included in this report. The historical results are not necessarily indicative of results to be expected in 
any future period. 

During  the  year  ended  December  31,  2010,  Bingo.com  joined  the  Unibet  International  Limited 
(“Unibet”) Partner Program as a network operator of their multi-language and multi-currency bingo 

 Page 13 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
and casino system. This agreement continued until December 31, 2014 at which time the agreement 
was terminated along with the sale of the domain name, www.bingo.com, and our cash gaming data 
base of players to Unibet Group plc. 

The  Company  is  now  focused  in  growing  its  social  bingo  game  Trophy  Bingo.    During  the  second 
quarter of 2013, the Company beta launched Trophy Bingo in selected jurisdictions. During the third 
quarter of 2014, the Company soft launched Trophy Bingo. Trophy Bingo was released worldwide in 
the Google Play Store on August 12, 2015, in the Apple App Store on September 3, 2015, and in the 
Amazon Appstore on November 30, 2015.  

CRITICAL ACCOUNTING POLICIES 

The  following  discussion  of  critical  accounting  policies  is  intended  to  supplement  the  Summary  of 
Significant Accounting Policies presented as Note 2 to our audited consolidated financial statements 
presented elsewhere in this report.  Note 2 summarize the accounting policies and methods used in the 
preparation  of  our  consolidated  financial  statements.  The  policies  discussed  below  were  selected 
because they require the more significant judgments and estimates in the preparation and presentation 
of  our  financial  statements.  On  an  ongoing  basis,  management  evaluates  these  judgments  and 
estimates,  including  whether  there  are  any  uncertainties  as  to  compliance  with  the  revenue 
recognition criteria described below, and recoverability of long-lived assets, as well as the assessment 
as to whether there are contingent assets and liabilities that should be recognized or disclosed for the 
consolidated financial statements to fairly present the information required to be set forth therein. We 
base our estimates on historical experience, as well as other events and assumptions that are believed 
to  be  reasonable  at  the  time.  Actual  results  could  differ  from  these  estimates  under  different 
conditions. 

Revenue Recognition 

Trophy  Bingo  revenues  have  been  recognized  from  the  sale  of  in-game  purchases  at  the  time  of 
purchase.  The  revenue  from  in-game  advertising  is  recognized  when  advertising  is  served  to  the 
player.  

Advertising  revenues,  not  generated  in  Trophy  Bingo,  have  been  recognized  when  collection  of  the 
amounts are reasonably assured. Cash received in advance of the advertising campaigns are recorded 
under unearned revenue. 

Gaming revenues have been recognized on the basis of total dollars wagered, less commissions on all 
games, less all winnings payable to players. 

Software Development Costs 

Software development costs incurred in the research and development of new software products and 
enhancements  to  existing  software  products  for  external  use  are  expensed  as  incurred  until 
technological  feasibility  has  been  established.  After  technological  feasibility  is  established,  any 
software development costs are capitalized and amortized on a straight-line basis over the estimated 
economic  life  of  the  related  product.  The  Company  performs  an  annual  review  of  the  estimated 
economic life and the recoverability of such capitalized software costs. If a determination is made that 
capitalized amounts are not recoverable based on the estimated cash flows to be generated from the 
applicable  software,  any  remaining  capitalized  amounts  are  written  off.    The  Company  capitalized 
100% of its development costs of Trophy Bingo in 2013. Commencing January 1, 2014, the Company 
commenced  amortizing  the  capitalized  software  development  costs  over  a  period  of  3  years  and  all 
further  development  costs  have  been  expensed.  The  Company  performs  an  annual  review  of  the 
estimated  economic  life  and  the  recoverability  of  such  capitalized  software  costs,  using  a  net 
realizable value test. 

 Page 14 

 
 
 
 
SOURCES OF REVENUE AND REVENUE RECOGNITION 

We generate our revenue from the following: 

-  The sale of in-app purchases in Trophy Bingo in the Google play, Apple iOS and Amazon 

App stores.  
In-game advertising, whereby players watch advertising to gain in-game currency.  

- 
-  The  sale  of  advertising  on  our  website.  We  recognize  revenue  on  this  basis  based  on  the 
amount  paid  to  us  upon  the  delivery  and  fulfillment  of  advertising,  provided  that  the 
collection of the resulting receivable is probable.  
In 2014, we generated revenue from marketing our website to drive players to our website 
which  under  the  Unibet  Partner  Program  provides  Internet  games  for  money.  We 
recognized  revenue  on  this  basis  based  on  the  total  dollars  wagered,  including  bonus 
wagered, less commissions on all games less all winnings payable to players. 

- 

SUPPLEMENTARY FINANCIAL INFORMATION 

Quarterly Results of Operations 

The following tables present our unaudited consolidated quarterly results of operations for each of our 
last eight quarters.  This data has been derived from unaudited consolidated financial statements that 
have been prepared on the same basis as the annual audited consolidated financial statements and, in 
our  opinion,  include  all  normal  recurring  adjustments  necessary  for  the  fair  presentation  of  such 
information.  These  unaudited  quarterly  results  should  be  read  in  conjunction  with  our  audited 
consolidated financial statements, included in Item 7 of this report.  

Revenue 
  Advertising revenue 
  Trophy Bingo revenue 
Total Revenue 

Cost of sales 
Trophy Bingo amortization 
Gross loss 

  Three Months Ended 

  December 31, 

2015 

(Unaudited) 

September 30 
2015 

(Unaudited) 

June 30 
2015 
(Unaudited) 

  March 31 

2015 
(Unaudited) 

$ 

2,906  $ 

82,629 
85,535 

120,503 
(34,968) 

1,216  $ 
9,914 
11,130 

3,788  $ 
2,465 
6,253 

4,286 
4,406 
8,692 

120,503 
(109,373) 

120,503 
(114,250) 

120,503 
(111,811) 

Operating expenses and other 
(income) / expenses 
Loss from continuing operations 
before income taxes 

Income tax expense  
Loss from continuing operations 

Discontinued operations 
   Gain from the sale of the domain  
   name 
Income/(loss) after tax 

Basic and diluted net income (loss) 
per share  
Continuing operations  
Discontinued operations 

Weighted average common shares, 
basic and diluted 

$ 

$ 

$ 

783,451 

649,238 

552,262 

626,154 

(818,419) 

(758,611) 

(666,512) 

(737,965) 

480 
(818,899)  $ 

- 

- 

(758,611)  $ 

(666,512)  $ 

- 
(737,965) 

- 

- 

- 

16,305 

(818,899)  $ 

(758,611)  $ 

(666,512)  $ 

(721,660) 

(0.01)  $ 
- 

(0.01)  $ 
- 

(0.01)  $ 
-  $ 

(0.01) 
0.00 

56,197,703 

55,682,703 

55,682,703 

  55,682,703 

 Page 15 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  Three Months Ended 

  December 31, 

2014 

(Unaudited) 

September 30 
2014 

(Unaudited) 

June 30 
2014 
(Unaudited) 

  March 31 

2014 
(Unaudited) 

Revenue 
  Advertising revenue 
  Trophy Bingo revenue 
Total Revenue 

Cost of sales 
Trophy Bingo amortization 
Gross loss 

Operating expenses and other 
(income) / expenses 
Loss from continuing operations 
before income taxes 

Income tax expense  
Loss from continuing operations 

Discontinued operations 
   Gaming revenue 
   Gain from the sale of the domain  
   name 
   Selling and marketing 
Income/(loss) after tax 

Basic and diluted net income (loss) 
per share  
Continuing operations  
Discontinued operations 

Weighted average common shares, 
basic and diluted 

$ 

$ 

$ 

$ 
$ 

5,105  $ 
7,105 
12,210 

6,143  $ 
2,164 
8,307 

4,265  $ 
174 
4,439 

7,142 
372 
7,514 

120,503 
(108,293) 

120,504 
(112,197) 

120,503 
(116,064) 

120,503 
(112,989) 

625,427 

598,659 

500,485 

496,582 

(733,720) 

(710,856) 

(616,549) 

(609,571) 

803 
(734,523)  $ 

45 

- 

(710,901)  $ 

(616,549)  $ 

- 
(609,571) 

339,050 
6,677,759 

377,294 
- 

426,746 
- 

540,957 
- 

(58,099) 

6,224,187  $ 

(125,303) 
(458,910)  $ 

(160,549) 
(350,352)  $ 

(284,078) 
(352,692) 

(0.01)  $ 
0.09  $ 

(0.01)  $ 
(0.01)  $ 

(0.01)  $ 
(0.01)  $ 

(0.01) 
(0.01) 

70,682,703 

69,682,733 

69,631,329 

  67,877,703 

Our financial statements and related schedules are described under “Item 8. Financial Statements”. 

RESULTS OF OPERATIONS 

Years Ended December 31, 2015 and 2014 

Revenue 

Total  revenue  from  continuing  operations  increased  to  $111,610  for  the  year  ended  December  31, 
2015, an increase of 244% over revenue from continuing operations of $32,470 for the same period in 
the  prior  year.  Revenue  from  Trophy  Bingo  increased  to  $99,414  for  the  year  ended  December  31, 
2015, over revenue from Trophy Bingo of $9,815 for the same period in the prior year. During the 
year  ended  December  31,  2015,  the  Company  launched  featured  complete  Trophy  Bingo  in  the 
Google Play and Apple App Store in the third quarter of fiscal 2015 and in Amazon App Store in the 
fourth quarter of 2015. Advertising Revenue decreased to $12,196 for the year ended December 31, 
2015, a decrease of 46% over revenue of $22,655 for the same period in the prior year. 

Gaming revenue from discontinued operations was $nil for the year ended December 31, 2015 over 
gaming revenue of $1,684,047 for the same period in the prior year.  

Selling and marketing expenses 

Sales  and  marketing  expenses  from  continuing  operations  were  $549,534  for  the  year  ended 
December 31, 2015, an increase of 122% over expenses of $247,258 for the same period in the prior 
year. This increase in sales and marketing expenses from continuing operations in 2015 was due to a 

 Page 16 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
larger marketing campaign to attract players to the new Trophy Bingo game. Selling and marketing 
expenses  from  continuing  operations  principally  include  publishing  services  and  user  acquisition 
costs to acquire players.   

Sales and marketing expenses from discontinued operations were $nil for the year ended December 
31, 2015, over expenses of $628,029 for the year ended December 31, 2014.  

We expect to continue to incur sales and marketing expenses to increase traffic and bring new players 
to the Trophy Bingo game. There can be no assurances that these expenditures will result in increased 
traffic or significant additional revenue. 

General and administrative expenses 

General  and  administrative  expenses  consist  primarily  of  premises  costs  for  our  office,  legal  and 
professional  fees,  and  other  general  corporate  and  office  expenses.  General  and  administrative 
expenses increased to $356,647 for the year ended December 31, 2015, an increase of 68% over costs 
of $212,649 for the previous year. General and administrative expenses have increased in comparison 
to  the  prior  year  due  to  expenses  incurred  in  listing  the  Company  on  the  TSX  Venture  Exchange. 
These expenses included legal fees, exchange fees and transfer agent fees.  

We expect to continue to incur general and administrative expenses to support the business, and there 
can be no assurances that we will be able to generate sufficient revenue to cover these expenses. 

Salaries, wages, consultants and benefits 

Salaries,  wages,  consultants  and  benefits  expenses  decreased  to  $429,072  during  the  year  ended 
December  31,  2015,  a  decrease  of  18%  over  costs  of  $520,287  for  the  previous  year.  Due  to  the 
decline  in  continued  and  discontinued  operations  revenue  for  the  year  ended  December  31,  2015, 
there  was  a  decline  in  revenue  share  commissions  paid  to  certain  staff.  In  addition,  certain  of  the 
Company’s salaries, wages, consultants and benefits expenses are incurred in Canadian Dollars. The 
decline in the Canadian dollar in relation to the United States dollar has led to a decline in salaries, 
wages, consultants and benefits expenses for the year ended December 31, 2015.  

Depreciation and amortization 

Equipment  is  depreciated  using  the  declining  balance  method  over  the  useful  lives  of  the  assets, 
ranging from three to five years.  Depreciation decreased to $3,467 during the year ended December 
31,  2015,  over  depreciation  of  $3,470  during  the  prior  year.  This  decrease  in  depreciation  and 
amortization  compared  to  fiscal  2014,  is  due  to  the  aging  of  the  Company’s  equipment  and  the 
disposal of obsolete equipment. 

Trophy Bingo development and amortization 

Commencing  January  1,  2014,  the  Company  ceased  to  capitalize  the  development  costs  of  Trophy 
Bingo and commenced amortizing the capitalized development costs over the life of the game. The 
Company expensed $1,230,216 in Trophy Bingo development costs during the year ended December 
31, 2015, an increase of 4% over $1,181,382 of Trophy Bingo development costs in the prior year. In 
addition,  the  Company  amortized  $482,012  (2014  -  $482,013)  of  the  capitalized  development  costs 
during the year ended December 31, 2015.  

Other income and expenses 

During  the  year  ended  December  31,  2015,  the  Company  has  a  foreign  exchange  loss  of  $33,758 
compared  to  foreign  exchange  gains  of  $44,617  in  the  prior  year.  These  losses  are  due  to  the 
exchange rate movements of the US Dollar compared to the Pound Sterling and the Canadian Dollar. 

During  the  year  ended  December  31,  2015,  we  received  interest  income  of  $1,089,  an  increase  of 
114%  compared  to  interest  income  of  $510  in  the  prior  year.  The  interest  income  is  received  from 
bank  term  deposits  from  investing  our  cash.  The  increase  in  interest  income  is  due  to  the  funds 
received  in  the  sale  of  Bingo.com  URL  and  Cash  Bingo  business  in  the  year  ended  December  31, 
2014. 

 Page 17 

 
 
 
Income taxes  

The  Company  incurred  income  tax  expense  of  $480  during  the  year  ended  December  31,  2015,  in 
relation to profits earned in its subsidiaries in different jurisdictions compared to income tax expense 
of  $848  in  the  prior  year.  During  the  year  ended  December  31,  2005,  the  Bingo.com,  Inc.  merged 
with  its  subsidiary  Bingo.com,  Ltd.  in  Anguilla,  British  West  Indies.  Anguilla  is  a  zero  tax 
jurisdiction.  

Sale of domain name 

Effective  December  31,  2014,  the  Company  sold  its  URL  www.bingo.com  and  its  online  gambling 
business  to  Unibet  Group  plc  (“Unibet”)  for  total  consideration  of  $8,000,000.  The  Company 
received cash consideration of $2,000,000 and redemption of the 15,000,000 common shares of the 
Company,  which  were  held  by  Unibet.  The  15,000,000  common  shares  held  by  Unibet  have  been 
returned  to  the  Company’s  treasury  and  cancelled.  The  Company  recorded  a  gain  from  the  sale  of 
$6,677,759  for  the  year  ended  December  31,  2014  and  $16,305  for  the  year  ended  December  31, 
2015.  

Net loss and loss per share 

The  net  loss  after  taxation  from  continuing  operations  for  the  twelve  months  ended  December  31, 
2015, amounted to ($2,981,987), a loss of ($0.05) per share, compared to a net loss from continuing 
operations of ($2,671,544) or a loss of ($0.04) per share in the twelve months ending December 31, 
2014.   

The  net  loss  after  taxation  for  the  twelve  months  ended  December  31,  2015,  amounted  to 
($2,965,682), a loss of ($0.05) per share, compared to a net gain of $5,062,233 or $0.07 per share in 
the twelve months ending December 31, 2014.  The decrease in net income is due to the sale of the 
domain name in the year ended December 31, 2014 and expenses incurred in listing the Company on 
the TSX Venture exchange.  

LIQUIDITY AND CAPITAL RESOURCES  

We had cash of $570,086 and working capital of $454,447 at December 31, 2015. This compares to 
cash of $2,876,386 and working capital of $2,856,230 at December 31, 2014. 

During the year ended December 31, 2015, 515,000 stock options at $0.15 per share was exercised 
raising $77,250. 

During  the  year  ended  December  31,  2015,  we  used  cash  of  $2,383,038  in  operating  activities 
compared to using cash of $902,497 in the prior year.  

Net cash generated by financing activities was $77,250 in the year ended December 31, 2015, which 
compares to cash generated by financing activity of $1,409,350 in fiscal 2014. This cash generated by 
financing  activity  is  due  to  the  cash  raised  from  option  holders  exercising  their  options  during  the 
year  ended  December  31,  2015  compared  to  three  private  placements  placed  in  the  year  ended 
December 31, 2014.  

Cash  of  $512  used  in  investing  activities  in  fiscal  2015,  compared  to  cash  provided  by  investing 
activities of $1,878,330 in the prior year. This decrease in cash provided by investing activities is due 
to sale of the domain name in fiscal 2014.  

Our future capital requirements will depend on a number of factors, including costs associated with 
marketing  of  our  Web  portal,  the  further  development  of  Trophy  Bingo,  the  cost  of  marketing  and 
player acquisition costs for Trophy Bingo, and the success and acceptance of Trophy Bingo. 

Off Balance Sheet Arrangements 

We  did  not  have  any  Off  Balance  sheet  arrangements  for  the  year  ended  December  31,  2015  and 
2014. 

 Page 18 

 
 
 
 
 
 
 
AUDIT COMMITTEE 

Our  audit  committee  consists  of  four  directors  and  reports  to  the  Board  of  Directors.  The  audit 
committee meets regularly throughout the year and met with the independent auditors on March 16, 
2016, and approved the financials statements for the year ended December 31, 2015. 

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA. 

 Page 19 

 
 
 
SHOAL GAMES LTD. and subsidiaries 

Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

Report of Independent Registered Public Accounting Firm  
for the years ended December 31, 2015 and 2014 

Consolidated Financial Statements 

Balance Sheets 

Statements of Operations 

Statements of Stockholders’ Equity 

Statements of Cash Flows 

Notes to Consolidated Financial Statements 

21 

22 

23 

24 

25 

26 

 Page 20 

 
 
 
 
 
 
 
 
 
 
 
 
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 

To the Shareholders and Directors of 
Shoal Games Ltd.  

We  have  audited  the  accompanying  consolidated  financial  statements  of  Shoal  Games  Ltd.  (the 
“Company”), which comprise the consolidated balance sheets of Shoal Games Ltd. as of December 
31,  2015  and  2014,  and  the  related  consolidated  statements  of  operations,  changes  in  stockholders’ 
equity,  and  cash  flows  for  the  years  ended  December  31,  2015  and  December  31,  2014.  These 
consolidated  financial  statements  are  the  responsibility  of  the  Company’s  management.  Our 
responsibility is to express an opinion on these consolidated financial statements based on our audits. 

We  conducted  our  audits  in  accordance  with  the  standards  of  the  Public  Company  Accounting 
Oversight Board (United States). Those standards require that we plan and perform the audit to obtain 
reasonable  assurance  about  whether  the  consolidated  financial  statements  are  free  of  material 
misstatement.  An  audit  includes  examining,  on  a  test  basis,  evidence  supporting  the  amounts  and 
disclosures in the consolidated financial statements. An audit also includes assessing the accounting 
principles  used  and  significant  estimates  made  by  management,  as  well  as  evaluating  the  overall 
consolidated financial statement presentation. We believe that our audits provide a reasonable basis 
for our opinion. 

In our opinion, the consolidated financial statements referred to above present fairly, in all material 
respects,  the  financial  position  of  Shoal  Games  Ltd.  as  of  December  31,  2015  and  2014,  and  the 
results  of  its  operations  and  its  cash  flows  for  the  years  ended  December  31,  2015  and  2014  in 
conformity with accounting principles generally accepted in the United States of America. 

The accompanying consolidated financial statements have been prepared assuming that Shoal Games 
Ltd. will continue as a going concern. As discussed in Note 1 to the consolidated financial statements, 
Shoal  Games  Ltd.  has  suffered  recurring  losses  from  operations.    This  matter,  along  with  the  other 
matters set forth in Note 1, indicate the existence of material uncertainties that raise substantial doubt 
about  its  ability  to  continue  as  a  going  concern.  Management's  plans  in  regard  to  these  matters  are 
also described in Note 1. The consolidated financial statements do not include any adjustments that 
might result from the outcome of this uncertainty. 

Vancouver, Canada 

March 16, 2016 

“DAVIDSON & COMPANY LLP” 

Chartered Professional Accountants 

 Page 21 

 
 
 
 
 
 
 
 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 

Consolidated Balance Sheets 

As at December 31, 
Assets 
Current assets: 
   Cash 
   Accounts receivable, less allowance for doubtful accounts  
   $nil (2014 - $nil) (Note 3) 
   Prepaid expenses 
Total Current Assets 

Equipment, net (Note 4) 

Other assets (Note 5) 

Security deposits 

2015 

2014 

$ 

570,086 

  $ 

2,876,386 

44,948 
17,205 
632,239 

122,056 
14,367 
3,012,809 

6,314 

9,269 

482,013 

964,025 

8,960 

10,642 

Deferred tax asset, less valuation allowance of $17,898 
(2014 - $17,907) (Note 9) 

-   

-     

Total Assets 

$ 

1,129,526 

  $ 

3,996,745 

Liabilities and Stockholders’ Equity 
Current liabilities: 
   Accounts payable 
   Accrued liabilities 
   Accounts payable and accrued liabilities - related party (Note 10) 
Total Current Liabilities 

$ 

  $ 

74,200 
71,026 
32,566 
177,792 

35,013 
72,898 
48,668 
156,579 

Commitments (Note 8) 

Stockholders’ equity (Note 7): 
   Common stock, no par value, unlimited shares authorized, 
   56,197,703 shares issued and outstanding  
   (December 31, 2014 - 55,682,703) 
   Accumulated deficit 
   Accumulated other comprehensive income: 
     Foreign currency translation adjustment 
Total Stockholders’ Equity  

19,334,290 
(18,407,136) 

19,257,040 
(15,441,454) 

24,580 
951,734 

24,580 
3,840,166 

Total Liabilities and Stockholders’ Equity 

$ 

1,129,526 

  $ 

3,996,745 

See accompanying notes to consolidated financial statements. 

 Page 22 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 

CONSOLIDATED STATEMENTS OF OPERATIONS 

Years ended December 31, 

Advertising revenue 
Trophy Bingo revenue 
Total revenue 

Cost of sales: 
   Trophy Bingo amortization (Note 5) 
Total cost of sales 

Gross loss 

Operating expenses: 
   Depreciation and amortization (Note 4) 
   Directors fees 
   General and administrative 
   Salaries, wages, consultants and benefits 
   Selling and marketing 
   Trophy Bingo development (Note 5) 
Total operating expenses 

$ 

$ 

2015 

12,196 
99,414 
111,610 

482,012 
482,012 

(370,402) 

3,467 
 9,500 
356,647 
429,072 
549,534 
1,230,216 
2,578,436 

2014 

22,655 
9,815 
32,470 

482,013 
482,013 

(449,543) 

3,470 
12,000 
212,649 
520,287 
247,258 
1,181,382 
2,177,046 

Loss before other income (expense) and income taxes 

(2,948,838) 

(2,626,589) 

Other income (expense): 
   Foreign exchange loss 
   Interest and other income 

Loss from continuing operations before income taxes 

Income tax expense (Note 9) 

(33,758) 
1,089 

(2,981,507) 

(480) 

(44,617) 
510 

(2,670,696) 

(848) 

Loss from continuing operations 

$ 

(2,981,987) 

$ 

(2,671,544) 

Discontinued operations: (Note 6) 
   Gaming revenue 
   Gain from the sale of the domain name (Note 6) 
   Gain from the sale of the Cash Bingo business 
   Selling and marketing 
Income after tax  

Other comprehensive income (loss) 

Comprehensive income (loss) 

Basic and diluted profit (loss) per common share (Note 2) 
Continuing operations  
Discontinued operations 

Weighted average common shares outstanding, basic  
(Note 2) 
Weighted average common shares outstanding, diluted  
(Note 2) 

See accompanying notes to consolidated financial statements. 

- 
- 
16,305 
- 
16,305 

- 

(2,965,682) 

(0.05) 
0.00 

55,812,511 

55,812,511 

$ 

$ 
$ 

$ 

$ 
$ 

1,684,047 
6,677,759 
- 
(628,029) 
5,062,233 

- 

5,062,233 

(0.04) 
0.11 

69,564,552 

69,584,417 

 Page 23 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 

CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY 

Years ended December 31, 2015 and 2014 

Common stock 

Shares 

Amount 

Accumulated  
Deficit 

Accumulated Other 
Comprehensive 
income 
Foreign currency 
translation 
adjustment 

Balance, December 31, 2013 

67,877,703 

$20,097,690 

$(16,753,687) 

$ 24,580 

   Private placement 

500,000 

200,000 

   Private placement 

1,250,000 

500,000 

   Exercise of stock options 

55,000 

9,350 

   Private placement 

1,000,000 

700,000 

- 

- 

- 

- 

- 

- 

   Redemption of shares (Note 6) 

(15,000,000) 

(2,250,000) 

(3,750,000) 

   Net income 
Balance, December 31, 2014 

- 
55,682,703 

- 
$19,257,040 

5,062,233 
$(15,441,454) 

- 
$ 24,580 

Total 
Stockholders’ 
Equity  
$3,368,583 

200,000 

500,000 

9,350 

700,000 

(6,000,000) 

5,062,233 
$3,840,166 

Exercise of stock options 

515,000 

77,250 

- 

- 

77,250 

   Net loss 
Balance, December 31, 2015 

- 
56,197,703 

- 
$19,334,290 

(2,965,682) 
$(18,407,136) 

- 
$ 24,580 

(2,965,682) 
$951,734 

See accompanying notes to consolidated financial statements. 

 Page 24 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 

Consolidated Statements of Cash Flows 

Years ended December 31, 
Cash flows from operating activities: 
   Net (loss) income  
   Adjustments to reconcile net (loss) income to net cash used in 
   operating activities: 
     Depreciation and amortization 
     Trophy Bingo amortization 
     Gain from the sale of the domain name 

   Changes in operating assets and liabilities: 
      Accounts receivable 
      Prepaid expenses 
      Other assets 
      Accounts payable and accrued liabilities 
   Net cash used in operating activities 

Cash flows from investing activities: 
   Acquisition of equipment 
   Proceeds on disposal of domain name, net of transaction costs 
   Software development 
   Net cash (used in) provided by investing activities 

Cash flows from financing activities: 
   Exercise of stock options 
   Private placement 
   Net cash provided by financing activities 

Change in cash 

Cash, beginning of year 
Cash, end of year 

Supplementary information: 
   Interest paid 
   Income taxes paid 

Non-cash financing activity 
Non-cash investing activity – acquisition and redemption of 15,000,000 
common shares on the disposal of the domain name rights through common 
stock and deficit (Note 6) 

See accompanying notes to consolidated financial statements. 

2015 

2014 

$ 

(2,965,682) 

$ 

5,062,233 

3,467 
482,012 
(16,305) 

77,108 
(2,838) 
1,682 
37,518 
(2,383,038) 

(512) 
- 
- 
(512) 

77,250 
- 
77,250 

(2,306,300) 

2,876,386 
570,086 

- 
480 

- 

- 

$ 

$ 
$ 

$ 

$ 

$ 

$ 
$ 

$ 

$ 

3,470 
482,013 
(6,677,759) 

159,201 
97,728 
877 
(30,260) 
(902,497) 

(4,969) 
1,935,000 
(51,701) 
1,878,330 

9,350 
1,400,000 
1,409,350 

2,385,183 

491,203 
2,876,386 

- 
848 

- 

6,000,000 

 Page 25 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

1.  Introduction: 

Nature of business 

Shoal Games Ltd. (the “Company”) was incorporated on January 12, 1987, under the laws of 
the State of Florida as Progressive General Lumber Corp. On January 22, 1999, the Company 
changed  its  name  to  Bingo.com,  Inc.  On  April  7,  2005,  Bingo.com,  Inc.  completed  a  merger 
with its wholly- owned subsidiary Bingo.com, Ltd. The surviving corporation of the merger is 
Bingo.com, Ltd. which is domiciled in Anguilla, British West Indies. Effective Thursday, April 
7, 2005, the shares of Bingo.com, Ltd. began trading under the new ticker symbol “BNGOF”. 
During  the  year  ended  December  31,  2015,  the  Company  changed  its  name  to  Shoal  Games 
Ltd.  and  changed  its  ticker  symbol  to  “SGLDF”.  Effective  July  2,  2015,  the  Company 
additionally listed on the TSX Venture Exchange under the symbol “SGW”. 

Effective  December  31,  2014,  the  Company  sold  its  Internet  portal,  www.bingo.com  and 
focused on the continued development and marketing of its social bingo game, Trophy Bingo.  

During  the  year  ended  December  31,  2015,  the  Company  was  in  the  business  of  owning  and 
marketing a non-gambling social bingo game called Trophy Bingo.  Trophy Bingo is a free-to-
play  mobile  game  live  in  the  Apple,  Google  and  Amazon  App  Stores.  The  game  is  free  to 
download  and  supports  in-app  purchases  and  in-game  advertising  for  players  who  want  to 
engage with the premium features contained in the game.  In-game purchases are transactions 
made  from  within  a  mobile  game  that  are  processed  by  the  platform  provider  (Apple  iOS; 
Google  Android;  Amazon  Android).    The  worldwide  full  launch  and  marketing  of  Trophy 
Bingo  commenced  in  the  third  quarter  of  2015  when  the  latest  version  of  Trophy  Bingo  was 
released  world-wide  in  the  Apple  App  Store  and  Google  Play  Store  on  all  supported  mobile 
phones and tablet devices. 

Continuing operations 

These consolidated financial statements have been prepared on the going concern basis, which 
presumes  the  realization  of  assets  and  the  settlement  of  liabilities  in  the  normal  course  of 
operations.    The  application  of  the  going  concern  basis  is  dependent  upon  the  Company 
achieving profitable operations to generate sufficient cash flows to fund continued operations, 
or, in the absence of adequate cash flows from operations, obtaining additional financing.  The 
Company has reported losses from operations for the year ended December 31, 2015 and 2014, 
and  has  an  accumulated  deficit  of  $18,407,136  as  at  December  31,  2015.    This  raises 
substantial doubt about the Company’s ability to continue as a going concern.  

In view of the matters described in the preceding paragraph, recoverability of a major portion 
of  the  recorded  asset  amounts  and  settlement  of  the  liability  amounts  shown  in  the 
accompanying balance sheets is dependent upon continued operations of the Company, which 
in  turn  is  dependent  upon  the  Company's  ability  to  succeed  in  its  future  operations.  The 
financial statements do not include any adjustments relating to the recoverability and  

 Page 26 

 
 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

1.  Introduction (Continued): 

classification of recorded asset amounts or amounts and classification of liabilities that might be 
necessary should the Company be unable to continue in existence. 

Management continues to review operations in order to identify additional strategies designed 
to  generate  cash  flow,  improve  the  Company’s  financial  position,  and  enable  the  timely 
discharge  of  the  Company’s  obligations.    If  management  is  unable  to  identify  sources  of 
additional cash flow in the short term, it may be required to further reduce or limit operations. 

2.  Summary of significant accounting policies: 

(a)   Basis of presentation: 

These consolidated financial statements have been prepared in accordance with accounting 
principles generally accepted in the United States of America (“US GAAP”) applicable to 
annual  financial  information  and  with  the  rules  and  regulations  of  the  United  States 
Securities and Exchange Commission.  The financial statements include the accounts of the 
Company’s  wholly-owned  subsidiaries,  English  Bay  Office  Management  Limited 
(registered in British Columbia, Canada) subsequent to the year ended December 31, 2015, 
this  was  renamed  Shoal  Media  (Canada)  Inc.,  Coral  Reef  Marketing  Inc.  (registered  in 
Anguilla), Shoal Media Inc. (registered in Anguilla), Bingo.com (Antigua) Inc., Bingo.com 
(Wyoming)  Inc.,  Bingo  Acquisition  Corp,  and  the  99%  owned  subsidiary,  Shoal  Games 
(UK) plc. (registered in the United Kingdom). All inter-company balances and transactions 
have been eliminated in the consolidated financial statements. 

(b)   Use of estimates: 

The  preparation  of  consolidated  financial  statements  in  conformity  with  US  GAAP, 
requires management to make estimates and assumptions that affect the reported amounts 
of assets and liabilities and the disclosure of contingent assets and liabilities at the date of 
the financial statements and recognized revenues and expenses for the reporting periods.  

Significant  areas  requiring  the  use  of  estimates  include  the  valuation  of  long-lived  assets, 
the  collectibility  of  accounts  receivable  and  the  valuation  of  deferred  tax  assets.    Actual 
results may differ significantly from these estimates. 

(c)   Revenue recognition:  

Trophy  Bingo  revenues  have  been  recognized  from  the  sale  of  in-game  purchases  at  the 
time of purchase. The revenue from in-game advertising is recognized when advertising is 
served to the player. 

Advertising  revenues,  not  generated  in  Trophy  Bingo,  have  been  recognized  when 
collection  of  the  amounts  are  reasonably  assured.  Cash  received  in  advance  of  the 
advertising campaigns are recorded under unearned revenue. 

Gaming  revenues  have  been  recognized  on  the  basis  of  total  dollars  wagered,  less 
commissions on all games, less all winnings payable to players. 

 Page 27 

 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

2.  Summary of significant accounting policies (Continued): 

(d)  Foreign currency: 

The consolidated financial statements are presented in United States dollars, the functional 
currency of the Company and its subsidiaries. The Company accounts for foreign currency 
transactions and translation of foreign currency financial statements under Statement ASC 
830, Foreign Currency Matters. Transaction amounts denominated in foreign currencies are 
translated at exchange rates prevailing at the transaction dates. Carrying values of monetary 
assets and liabilities are adjusted at each balance sheet date to reflect the exchange rate at 
that  date.  Non-monetary  assets  and  liabilities  are  translated  at  the  exchange  rate  on  the 
original transaction date. 

Gains  and  losses  from  restatement  of  foreign  currency  monetary  and  non-monetary  assets 
and liabilities are included in net income. Revenues and expenses are translated at the rates 
of exchange prevailing on the dates such items are recognized in earnings.  

(e)  Accounts receivable: 

Trade  and  other  accounts  receivable  are  reported  at  face  value  less  any  provisions  for 
uncollectible accounts considered necessary. Accounts receivable includes receivables from 
payment processors and trade receivables from customers. The Company estimates doubtful 
accounts on an item-by-item basis and includes over-aged accounts as part of allowance for 
doubtful  accounts,  which  are  generally  ones  that  are  ninety-days  overdue.    Bad  debt 
expense, for the year ended December 31, 2015, was $nil (2014 - $nil).  

(f)  Equipment: 

Equipment is recorded at cost less accumulated depreciation. Depreciation is provided for 
annually on the declining balance method over the following periods : 

Equipment and computers  

Furniture and fixtures 

3 years 

5 years  

Expenditures  for  maintenance  and  repairs  are  charged  to  expenses  as  incurred.  Major 
improvements are capitalized. Gains and losses on disposition of equipment are included in 
income or expenses as realized. 

(g)  Software Development Costs:   

Software  development  costs  incurred  in  the  research  and  development  of  new  software 
products and enhancements to existing software products for external use are expensed as 
incurred once technological feasibility has been established. After technological feasibility 
is established, any software development costs are capitalized and amortized at the greater 
of the straight-line basis over the estimated economic life of the related product or the ratio 
that current gross revenues for a product bear to the total of current and anticipated future 
gross  revenues  for  the  related  product.  Commencing  January  1,  2014,  the  Company 
obtained technological feasibility and is amortizing the capitalized software development  

 Page 28 

 
 
 
 
 
 
 
 
  
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

2.  Summary of significant accounting policies (Continued): 

(g)  Software Development Costs: (Continued) 

costs  over  a  period  of  3  years.  The  Company  performs  an  annual  review  of  the  estimated 
economic  life  and  the  recoverability  of  such  capitalized  software  costs,  using  a  net 
realizable value test.  

If  a  determination  is  made  that  capitalized  amounts  are  not  recoverable  based  on  the 
estimated  cash  flows  to  be  generated  from  the  applicable  software,  any  remaining 
capitalized  amounts  are  written  off.  Although  the  Company  believes  that  its  approach  to 
estimates  and  judgments  as  described  herein  is  reasonable,  actual  results  could  differ  and 
the Company may be exposed to increases or decreases in revenue that could be material.  
Total software development costs for the development of Trophy Bingo were $3,857,636 as 
at December 31, 2015 (December 31, 2014 - $2,627,420). 

 (h) Advertising: 

The Company expenses the cost of advertising in the period in which the advertising space 
or  airtime  is  used.  Advertising  costs  from  continuing  operations  charged  to  selling  and 
marketing expenses in 2015 totaled $549,534 (2014 - $247,258) and advertising costs from 
discontinued  operations  charged  to  selling  and  marketing  expenses  in  2015  totaled  $nil 
(2014 - $628,029).   

(i)  Stock-based compensation: 

The  Company  recognizes  all  stock-based  compensation  as  an  expense  in  the  financial 
statements and that such cost be measured at the fair value of the award. 

(j)   Impairment of long-lived assets and long-lived assets to be disposed of:  

The Company accounts for long-lived assets in accordance with the provisions of ASC 360, 
Property, Plant and Equipment and ASC 350, Intangibles–Goodwill and Others. During the 
years presented, the only long-lived assets reported on the Company’s consolidated balance 
sheet  are  equipment,  other  assets,  security  deposits,  and  domain  name  rights.    These 
provisions  require  that  long-lived  assets  and  certain  identifiable  recorded  intangibles  be 
reviewed  for  impairment  whenever  events  or  changes  in  circumstances  indicate  that  the 
carrying amount of an asset may not be recoverable.  Recoverability of assets to be held and 
used  is  measured  by  a  comparison  of  the  carrying  amount  of  an  asset  to  future  net  cash 
flows expected to be generated by the asset. 

If such assets are considered to be impaired, the impairment to be recognized is measured 
by  the  amount  by  which  the  carrying  amount  of  the  assets  exceeds  the  fair  value  of  the 
assets.    Assets  to  be  disposed  of  are  reported  at  the  lower  of  the  carrying  amount  and  the 
fair value less costs to sell. 

 Page 29 

 
 
 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

2.  Summary of significant accounting policies (Continued): 

(k)  Income taxes:  

The Company follows the asset and liability method of accounting for income taxes.  Under 
this method, current income taxes are recognized for the estimated income taxes payable for 
the current period.  Deferred income taxes are provided based on the estimated future tax 
effects of temporary differences between financial statement carrying amounts of assets and 
liabilities  and  their  respective  tax  bases,  as  well  as  the  benefit  of  losses  available  to  be 
carried forward to future years for tax purposes. 

Deferred tax assets and liabilities are measured using the enacted tax rates that are expected 
to apply to taxable income in the years in which those temporary differences are expected to 
be recovered and settled.  The effect on deferred tax assets and liabilities of a change in tax 
rates is recognized in operations in the period that includes the enactment date.  A valuation 
allowance is recorded for deferred tax assets when it is not more likely than not that such 
future tax assets will be realized. 

(l)  Net (loss) income per share: 

ASC  260,  “Earnings  Per  Share”,  requires  presentation  of  basic  earnings  per  share  (“Basic 
EPS”)  and  diluted  earnings  per  share  (“Diluted  EPS”).  Basic  earnings  (loss)  per  share  is 
computed  by  dividing  earnings  (loss)  available  to  common  stockholders  by  the  weighted 
average  number  of  common  shares  outstanding  during  the  period.  Diluted  earnings  per 
share  reflects  the  potential  dilution,  using  the  treasury  stock  method,  that  could  occur  if 
outstanding  options  or  warrants  were  exercised  and  converted  into  common  stock.  In 
computing  diluted  earnings  per  share,  the  treasury  stock  method  assumes  that  outstanding 
options and warrants are exercised and the proceeds are used to purchase common stock at 
the average market price during the period. 

Options and warrants will have a dilutive effect under the treasury stock method only when 
the average market price of the common stock during the period exceeds the exercise price 
of  the  options  and  warrants.  In  periods  where  losses  are  reported,  the  weighted  average 
number  of  common  shares  outstanding  excludes  common  stock  equivalents  because  their 
inclusion would be anti-dilutive. A total of nil (2014 - nil) stock options were excluded as at 
December 31, 2015.  

 Page 30 

 
 
 
 
 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

2.  Summary of significant accounting policies (Continued): 

(l)  Net (loss) income per share: (Continued) 

The  earnings  per  share  data  for  the  year  ended  December  31,  2015  and  2014  are 
summarized as follows: 

Loss for the year from continuing operations 
Income (loss) for the year from discontinued 
operations 

Basic weighted average number of common 
shares outstanding 
Effect of dilutive securities 

Stock Options 

Diluted weighted average number of common 
shares outstanding 

Basic and diluted (loss) earnings per common 
share outstanding 
Continuing operations  
Discontinued operations 

$ 

$ 

$ 
$ 

2015 

(2,981,987)  $ 

2014 
(2,671,544) 

16,305  $ 

7,733,777 

55,812,511 

69,564,552 

- 

19,865 

55,812,511 

69,584,417 

(0.05)  $ 
0.00  $ 

(0.04) 
0.11 

(m) Domain name and intangible assets:  

The Company has capitalized the cost of the purchase of the domain name Bingo.com and 
was amortizing the cost over five years from the date of commencement of operations. In 
2002,  the  Company  suspended  the  amortization  of  the  domain  name  cost  in  accordance 
with ASC 350, where companies are no longer required to amortize indefinite life assets but 
instead test the indefinite intangible asset for impairment at least annually. The capitalized 
amount  is  based  on  the  net  present  value  of  the  minimum  payments  permitted  under  the 
terms of the purchase agreement. The domain name is tested for impairment by comparing 
the future cash flows of the domain name with its carrying value. The Company determined 
that  as  a  result  of  level  3  unobservable  inputs  in  accordance  with  ASC  820,  Fair  Value 
Measurements  and  Disclosures,  that  the  fair  value  of  the  domain  name  exceeded  the 
carrying value and therefore no impairment existed for the years presented.  

(n)  New accounting pronouncements and changes in accounting policies: 

In April 2014, the Financial Accounting Standards Board ("FASB”) issued ASU No. 2014-
08,  Presentation  of  Financial  Statements  (Topic  205)  and  Property,  Plant,  and  Equipment 
(Topic  360):  Reporting  Discontinued  Operations  and  Disclosures  of  Disposals  of 
Components  of  an  Entity  (ASU  2014-08),  Under  this  revised  guidance,  only  disposals 
representing a strategic shift in operations, such as a disposal of a major geographic area, a 
major  line  of  business  or  a  major  equity  method  investment,  will  be  presented  as 
discontinued  operations.  ASU  2014-08  is  effective  prospectively  for  the  Company  in  our 
first  quarter  of  fiscal  2015,  with  early  adoption  permitted.  The  Company  adopted  the 
guidance effective January 1, 2015 and it did not have a material impact on its consolidated 
financial statements. 

 Page 31 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

2.  Summary of significant accounting policies (Continued): 

(n)  New accounting pronouncements and changes in accounting policies: (Continued) 

In  May  2014,  the  FASB  issued  Accounting  Standards  Update  (“ASU”)  No.  2014-09, 
Revenue  from  Contracts  with  Customers.    This  was  updated  by  ASU  No.  2015-14.  This 
guidance provides a single, comprehensive revenue recognition model for all contracts with 
customers. The revenue guidance contains principles that an entity will apply to determine 
the measurement of revenue and timing of when it is recognized. The underlying principle 
is  that  an  entity  will  recognize  revenue  to  depict  the  transfer  of  goods  or  services  to 
customers at an amount that the entity expects to be entitled to in exchange for those goods 
or  services.  The  standard  was  amended  to  be  effective  for  the  first  interim  period  within 
annual  reporting  periods  beginning  after  December  15,  2017  for  public  entities.  The 
Company  does  not  expect  the  adoption  of  this  guidance  to  have  a  material  impact  on  the 
Company’s financial position or results of operations. 

In  June  2014,  the  FASB  issued  ASU  No.  2014-12,  Compensation-Stock  Compensation. 
This  guidance  requires  that  a  performance  target  that  affects  vesting,  and  that  could  be 
achieved after the requisite service period, be treated as a performance condition. As such, 
the performance target should not be reflected in estimating the grant date fair value of the 
award.  This  update  further  clarifies  that  compensation  cost  should  be  recognized  in  the 
period  in  which  it  becomes  probable  that  the  performance  target  will  be  achieved  and 
should  represent  the  compensation  cost  attributable  to  the  periods  for  which  the  requisite 
service  has  already  been  rendered.  The  new  standard  is  effective  for  fiscal  years,  and 
interim  periods  within  those  fiscal  years,  beginning  after  December  15,  2015  and  can  be 
applied either prospectively or retrospectively to all awards outstanding as of the beginning 
of the earliest annual period presented as an adjustment to opening retained earnings. Early 
adoption is permitted. The Company does not expect the adoption of this guidance to have a 
material impact on the Company’s financial position or results of operations. 

In August 2014, the FASB issued ASU No. 2014-15, Presentation of Financial Statements - 
Going Concern (Subtopic 205-40): Disclosure of Uncertainties about an Entity's Ability to 
Continue  as  a  Going  Concern  ("ASU  2014-15").  ASU  2014-15  provides  guidance  about 
management's responsibility to evaluate whether there is substantial doubt about an entity's 
ability  to  continue  as  a  going  concern  and  sets  rules  for  how  this  information  should  be 
disclosed  in  the  financial  statements.  ASU  2014-15  is  effective  for  annual  periods  ending 
after  December  15,  2016  and  interim  periods  thereafter.  Early  adoption  is  permitted.  The 
Company is evaluating the effect of ASU 2014-15 on our consolidated financial condition 
and results of operations. 

In  November  2014,  the  FASB  issued  ASU  No.  2014-16,  Determining  Whether  the  Host 
Contract in a Hybrid Financial Instrument Issued in the Form of a Share Is More Akin to 
Debt  or  to  Equity.  This  standard  requires  an  entity  to  “determine  the  nature  of  the  host 
contract by considering all stated and implied substantive terms and features of the hybrid 
financial instrument, weighing each term and feature on the basis of the relevant facts and  

 Page 32 

 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

2.  Summary of significant accounting policies (Continued): 

(n)  New accounting pronouncements and changes in accounting policies: (Continued) 

circumstances  which  the  hybrid  financial  instrument  was  issued  or  acquired  and  the 
potential outcome of the hybrid financial instrument.  ASU 2014-16 is effective for annual 
periods  ending  after  December  15,  2015  and  interim  periods  thereafter.  Early  adoption  is 
permitted.  The  Company  is  evaluating  the  effect  of  ASU  2014-16  on  our  consolidated 
financial condition and results of operations. 

In January 2015, the FASB issued ASU 2015-01, which eliminates from GAAP the concept 
of  extraordinary  items.  If  an  event  or  transaction  meets  the  criteria  for  extraordinary 
classification,  it  is  segregated  from  the  results  of  ordinary  operations  and  is  shown  as  a 
separate  item  in  the  income  statement,  net  of  tax.  ASU  2015-01  is  effective  for  annual 
periods,  and  interim  periods  within  those  annual  periods,  beginning  after  December  15, 
2015. Early adoption is permitted. The Company does not expect adoption of this guidance 
will have a material effect on its consolidated financial statements. 

In February 2015, the FASB issued ASU 2015-02, which provides guidance for reporting 
entities that are required to evaluate whether they should consolidate certain legal entities. 
In  accordance  with  ASU  2015-02,  all  legal  entities  are  subject  to  reevaluation  under  the 
revised  consolidation  model.  ASU  2015-02  is  effective  for  public  business  entities  for 
annual periods, and interim periods within those annual periods, beginning after December 
15, 2015. Early adoption is permitted. The Company does not anticipate that the adoption of 
this standard will have a material impact on its consolidated financial statements. 

On April 1, 2015, the FASB voted to defer the effective date of ASU No. 2014-09, which 
outlines a single comprehensive model for entities to use in accounting for revenues arising 
from  contracts  with  customers  and  notes  that  lease  contracts  with  customers  are  a  scope 
exception.  Public  business  entities  may  elect  to  adopt  the  amendments  as  of  the  original 
effective  date;  however,  if  the  proposed  deferral  is  approved,  adoption  is  required  for 
annual reporting periods beginning after December 15, 2017. We are currently assessing the 
impact of the guidance on our consolidated financial statements. 

On  April  17,  2015,  the  FASB  issued  ASU  No.  2015-03,  Simplifying  the  Presentation  of 
Debt  Issuance  Costs  ,  which  requires  debt  issuance  costs  to  be  presented  in  the  balance 
sheet as a direct deduction from the associated debt liability.  Currently, debt issuance costs 
are  recorded  as  an  asset  and  amortization  of  these  deferred  financing  costs  is  recorded  in 
interest expense.  Under the new standard, debt issuance costs will continue to be amortized 
over the life of the debt instrument and amortization will continue to be recorded in interest 
expense.    The  new  standard  is  effective  for  the  Company  on  January  1,  2016  and  will  be 
applied on a retrospective basis.  The Company does not anticipate that the adoption of this 
standard will have a material impact on its consolidated financial statements. 

The  FASB  has  issued  ASU  2015-05,  Intangibles  -  Goodwill  and  Other  -  Internal-Use 
Software (Subtopic 350-40): Customer’s Accounting for Fees Paid in a Cloud Computing  

 Page 33 

 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

2.  Summary of significant accounting policies (Continued): 

(n)  New accounting pronouncements and changes in accounting policies: (Continued) 

Arrangement.    The  amendments  in  ASU  2015-05  provide  guidance  to  customers  about 
whether a cloud computing arrangement includes a software license. If a cloud computing 
arrangement includes a software license, then the customer should account for the software 
license  element  of  the  arrangement  consistent  with  the  acquisition  of  other  software 
licenses.  If  a  cloud  computing  arrangement  does  not  include  a  software  license,  the 
customer should account for the arrangement as a service contract. The amendments do not 
change the accounting for a customer’s accounting for service contracts. As a result of the 
amendments,  all  software  licenses  within  the  scope  of  Subtopic  350-40  will  be  accounted 
for consistent with other licenses of intangible assets.  ASU 2015-05 is effective for public 
entities for annual periods, including interim periods within those annual periods, beginning 
after December 15, 2015. The Company does not anticipate that ASU 2015-05 will have a 
significant impact on its consolidated financial statements. 

In  September  2015,  the  FASB  issued  ASU  2015-16,  Simplifying  the  Accounting  for 
Measurement-Period Adjustments guidance to simplify the accounting for adjustments in a 
business  combination.  An  acquirer  should  recognize  adjustments  to  provisional  amounts 
with a corresponding adjustment of goodwill, as well as the effect on earnings of changes in 
depreciation,  amortization  or  other  income  effects,  in  the  reporting  period  in  which  the 
adjustments are identified as if the accounting had been completed at the acquisition date. 
Disclosure is required, by line item, of the amount recorded in current period earnings that 
would  have  been  recorded  in  previous  reporting  periods.  This  guidance  is  effective  for 
fiscal  years  and  interim  periods  beginning  after  December  15,  2015,  and  requires 
prospective  application.  Early  adoption  is  permitted.  The  Company  does  not  expect  this 
guidance to have a significant impact on its consolidated financial statements. 

In  November  2015,  the  FASB  issued  ASU  2015-17,  Income  Taxes  (Topic  740):  Balance 
Sheet Classification of Deferred Taxes , which requires deferred income tax liabilities and 
assets  to  be  classified  as  noncurrent  on  the  balance  sheet  rather  than  being  separated  into 
current  and  noncurrent.  The  guidance  is  effective  for  public  entities  for  annual  periods 
beginning  after  December  15,  2016,  and  interim  periods  within  those  annual  periods  with 
early adoption being permitted. The Company is still assessing the potential impact of ASU 
2015-17 on its consolidated financial statements. 

In January 2016, the FASB issued ASU 2016-01, Financial Instruments—Overall (Subtopic 
825-10): Recognition and Measurement of Financial Assets and Financial Liabilities (“ASU 
2016-01”), which requires that equity investments, except for those accounted for under the 
equity  method  or  those  that  result  in  consolidation  of  the  investee,  be  measured  at  fair 
value, with subsequent changes in fair value recognized in net income. However, an entity 
may choose to measure equity investments that do not have readily determinable fair values 
at cost minus impairment, if any, plus or minus changes resulting from observable price  

 Page 34 

 
 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

2.  Summary of significant accounting policies (Continued): 

(n)  New accounting pronouncements and changes in accounting policies: (Continued) 

changes in orderly transactions for the identical or a similar investment of the same issuer. 
ASU  2016-01  also  impacts  the  presentation  and  disclosure  requirements  for  financial 
instruments. ASU 2016-01 is effective for public business entities for annual periods, and 
interim  periods  within  those  annual  periods,  beginning  after  December  15,  2017.  Early 
adoption  is  permitted  only  for  certain  provisions.  The  Company  does  not  expect  that  the 
adoption  of  ASU  2016-01  will  have  a  material  effect  on  its  consolidated  financial 
statements. 

In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842), which requires 
lessees  to  recognize  most  leases  on  the  balance  sheet.  This  ASU  requires  lessees  to 
recognize  a  right-of-use  asset  and  lease  liability  for  all  leases  with  terms  of  more  than  12 
months. Lessees are permitted  to  make  an accounting policy election to not recognize the 
asset  and  liability  for  leases  with  a  term  of  twelve  months  or  less.  The  ASU  does  not 
significantly  change  the  lessees’  recognition,  measurement  and  presentation  of  expenses 
and cash flows from the previous accounting standard. Lessors’ accounting under the ASC 
is largely unchanged from the previous accounting standard. In addition, the ASU expands 
the disclosure requirements of lease arrangements. Lessees and lessors will use a modified 
retrospective  transition  approach,  which  includes  a  number  of  practical  expedients.  The 
provisions  of  this  guidance  are  effective  for  annual  periods  beginning  after  December  15, 
2018, and interim periods within those years, with early adoption permitted. Management is 
evaluating the requirements of this guidance and has not yet determined the impact of the 
adoption on the Company’s financial position or results of operations. 

There have been no other recent accounting standards, or changes in accounting standards, 
during the year ended December 31, 2015, as compared to the recent accounting standards 
described in the Annual Report, that are of material significance, or have potential material 
significance, to us. 

(o)  Financial instruments: 

(i)  Fair values: 

The  fair  value  of  accounts  receivable,  accounts  payable,  accrued  liabilities  and  accounts 
payable and accrued liabilities - related party approximate their financial statement carrying 
amounts due to the short-term maturities of these instruments.  Cash is carried at fair value 
using a level 1 fair value measurement. 

In  general,  fair  values  determined  by  Level  1  inputs  utilize  quoted  prices  (unadjusted)  in 
active  markets  for  identical  assets  or  liabilities.  Fair  values  determined  by  Level  2  inputs 
utilize data points that are observable such as quoted prices, interest rates and yield curves. 
Fair  values  determined  by  Level  3  inputs  are  unobservable  data  points  for  the  asset  or 
liability,  and  included  situations  where  there  is  little,  if  any, market  activity  for  the  asset.  
The Company’s cash was measured using Level 1 inputs. 

 Page 35 

 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

2.  Summary of significant accounting policies (Continued): 

(o)  Financial instruments: (Continued) 

 (ii)  Foreign currency risk: 

The Company operates internationally, which gives rise to the risk that cash flows may be 
adversely impacted by exchange rate fluctuations.  The Company has not entered into any 
forward  exchange  contracts  or  other  derivative  instrument  to  hedge  against  foreign 
exchange risk. 

3.  Accounts Receivable: 

The accounts receivable as at December 31, 2015, is summarized as follows:  

Accounts receivable 

Provision for doubtful accounts 

Net accounts receivable  

4.  Equipment: 

2015 

Equipment and computers 
Furniture and fixtures 

2014 

Equipment and computers 
Furniture and fixtures 

$ 

$ 

2015 
44,948 

- 

44,948 

$ 

$ 

2014 
122,056 

- 

122,056 

Cost 

105,853 
7,088 
112,941 

Cost 

105,341 
7,088 
112,429 

$ 

$ 

$ 

$ 

Accumulated 
depreciation 

100,279 
6,348 
106,627 

Accumulated 
depreciation 

96,995 
6,165 
103,160 

$ 

$ 

$ 

$ 

Net book 
Value 

5,574 
740 
6,314 

Net book 
Value 

8,346 
923 
9,269 

$ 

$ 

$ 

$ 

Depreciation expense was $3,467 (2014 - $3,470) for the year ended December 31, 2015. 

5.  Other assets: 

During  the  year  ended  December  31,  2012,  the  Company  commenced  development  of  a  social 
bingo game, Trophy Bingo. During the year ended December 31, 2014, the Company soft launched 
Trophy  Bingo.  The  Company  ceased  to  capitalize  the  development  costs  and  commenced  the 
amortization of the capitalized development costs over a period of three years.  

December 31, 2015 

Trophy Bingo capitalized 
development expenses 

Capitalized 
Expenses 

Accumulated 
amortization 

Net book 
Value 

$ 

1,446,038 

$ 

964,025 

$ 

482,013 

 Page 36 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

5.  Other assets: (Continued) 

December 31, 2014 

Trophy Bingo capitalized 
development expenses 

Capitalized 
Expenses 

Accumulated 
amortization 

Net book 
Value 

$ 

1,446,038 

$ 

482,013 

$ 

964,025 

During the year ended December 31, 2015, the Company expensed $1,230,216 (December 31, 
2014 - $1,181,382) in development costs.  

6.  Discontinued operations 

Effective December 31, 2014, the Company sold the www.bingo.com domain name to Unibet 
Group  plc.  for  cash  consideration  of  $2,000,000  and  redemption  of  the  15,000,000  common 
shares of the Company, which were held by Unibet Group plc, at a price of $0.40 per share. The 
15,000,000 common shares held by Unibet have been returned to the Company’s treasury and 
were cancelled. 

The Company recorded the following gain from the sale of domain name. 

Sale of domain name 

Domain name rights and intangible assets held for sale 

Commission on sale  
Gain from the sale of the domain name 

$ 

$ 

Gain from sale of 
domain name  

8,000,000 

(1,257,241) 

(65,000) 
6,677,759 

In addition, the Company disposed its cash bingo business to Unibet Group plc. The Company 
recognized the gain on the sale of the cash bingo business of $16,305 during the year ended 
December 31, 2015. 

The effect of the discontinued operations were as follows: 

Cash flows from operating activities: 
Discontinued operations 

Cash flows from investing activities: 
Proceeds on disposal of domain name, net of 
transaction costs 

Non-cash financing activity 
Non-cash investing activity – acquisition and 
redemption of 15,000,000 common shares on the 
disposal of the domain name rights through 
common stock and deficit  

2015 

2014 

$ 

16,305  $ 

(201,223) 

- 

- 

1,935,000 

6,000,000 

$ 

16,305  $ 

7,733,777 

 Page 37 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

7. Stockholders’ equity: 

The  holders  of  common  stock  are  entitled  to  one  vote  for  each  share  held.    There  are  no 
restrictions  that  limit  the  Company’s  ability  to  pay  dividends  on  its  common  stock.    The 
Company has not declared any dividends since incorporation.  The Company’s common stock 
has no par value per common stock.  

(a)  Common stock issuances: 

During the year ended December 31, 2015, the holders of 515,000 stock options exercised 
their options for 515,000 shares for $77,250 at an exercise price of $0.15 per share. 

During  the  year  ended  December  31,  2014,  the  Company  repurchased  15,000,000  shares 
previously  issued  to  Unibet  Group  Inc.  at  $0.40  per  share.  (Note  9)  These  shares  were 
originally  issued  at  $0.15  per  share  raising  $2,250,000.  Effective  December  31,  2014,  the 
Company  reduced  stockholders  equity  by  $2,250,000  and  $3,750,000  reduced  opening 
deficit.  

During  the  year  ended  December  31,  2014,  the  Company  completed  two  separate  private 
placements of a combined 1,750,000 common shares at $0.40 per share. Total proceeds of 
both offerings was $700,000. 

During the year ended December 31, 2014, a holder of stock options exercised their options 
for 55,000 shares for $9,350 at an exercise price of $0.17 per share. 

During the year ended December 31, 2014, the Company completed a private placement of 
1,000,000 common shares at $0.70 per share. Total proceeds of the offering was $700,000. 

(b)  Stock option plans: 

(i)  1999 stock option plan: 

The Company has reserved a total of 1,895,000 common shares for issuance under its 1999 
stock  option  plan.    The  plan  provides  for  the  granting  of  non-qualified  stock  options  to 
directors,  officers,  eligible  employees  and  contractors  of  the  Company.  The  Board  of 
Directors  determines  the  terms  of  the  options  granted,  including  the  number  of  options 
granted, the exercise price and their vesting schedule. 

As at December 31, 2015, there were a total of nil stock options (2014 - nil) outstanding. 
During the year ended December 31, 2015, there were nil options exercised (2014 - nil) and 
nil options expired unexercised (2014 – nil). 

(ii) 2001 stock option plan: 

During the year ended December 31, 2001, the Company's Board of Directors adopted the 
2001 stock option plan. The Company has reserved a total of 5,424,726 common shares for 
issuance under the 2001 stock option plan. The plan provides for the granting of incentive 
and non-qualified stock options to directors, officers, eligible employees and contractors of 
the  Company.  The  Board  of  Directors  determines  the  terms  of  the  options  granted, 
including the number of options granted, the exercise price and their vesting schedule. 

 Page 38 

 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

7.  Stockholders’ equity: (Continued) 

(b)  Stock option plans: (Continued) 

As at December 31, 2015, there were a total of 1,989,700 stock options (2014 - 1,989,700 
stock  options)  issued,  of  which  1,989,700  (2014  -  1,989,700)  had  been  exercised  as  at 
December 31, 2015. During the year ended December 31, 2015, nil options were exercised 
(2014 - 55,000) and nil (2014 - 550,000) stock options expired unexercised. Therefore as at 
December 31, 2015, there were nil (2014 - nil) stock options outstanding.  

During  the  year  ended  December  31,  2012,  the  expiry  date  on  75,000  options  with  an 
expiry date of February 28, 2012 and an exercise price of $0.27 per share, was extended for 
2 years. During the year ended December 31, 2014, these options expired unexercised.  

(iii) 2005 stock option plan: 

During the year ended December 31, 2005, the Company's Board of Directors adopted the 
2005  stock  option  plan,  which  was  approved  by  the  shareholders  at  the  Annual  General 
meeting. The Company has reserved a total of 2,000,000 common shares for issuance under 
the  2005  stock  option  plan.  The  Plan  is  intended  to  provide  incentive  to  employees, 
directors, advisors and consultants of the Company to encourage proprietary interest in the 
Company, to encourage such employees to remain in the employ of the Company or such 
directors, advisors and consultants to remain in the service of the Company, and to attract 
new  employees,  directors,  advisors  and  consultants  with  outstanding  qualifications.  The 
Board  of  Directors  determines  the  terms  of  the  options  granted,  including  the  number  of 
options granted, the exercise price and their vesting schedule. 

As  at  December  31,  2015,  there  were  a  total  of  nil  (2014  -  520,000)  stock  options 
outstanding  at  exercise  prices  of  $0.15  per  share.  During  the  year  ended  December  31, 
2015,  515,000  (2014  –  nil)  stock  options  were  exercised  at  exercise  prices  of  $0.15  per 
share raising $77,250. During the year ended December 31, 2015, 5,000 (2014 - 285,000) 
stock options expired unexercised.  

During  the  year  ended  December  31,  2012,  the  expiry  date  on  285,000  options  with  an 
expiry date of February 28, 2012 and an exercise price of $0.27 per share, was extended for 
a  further  2  years.    During  the  year  ended  December  31,  2014,  these  options  expired 
unexercised. 

 Page 39 

 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

7. 

Stockholders’ equity: (Continued) 

(b)  Stock option plans: (Continued) 

A summary of stock option activity for the stock option plans for the years ended December 
31, 2015 and 2014 are as follows: 

Outstanding, December 31, 2013 

Granted  
Exercised 
Expired 

Number of 
options 
1,410,000 

- 
(55,000) 
(835,000) 

$ 

Outstanding, December 31, 2014 

520,000 

$ 

Granted  
Exercised 
Expired 

- 
(515,000) 
(5,000) 

Outstanding, December 31, 2015 

- 

$ 

Weighted average 
exercise price 
0.19 

- 
0.17 
0.21 

0.15 

- 
0.15 
0.15 

- 

The  aggregate  intrinsic  value  for  options  as  of  December  31,  2015  was  $nil  (2014  - 
$286,000). 

8.  Commitments: 

The Company leases office facilities in Vancouver, British Columbia, Canada, and The Valley, 
Anguilla,  British  West  Indies.  These  office  facilities  are  leased  under  operating  lease 
agreements. The Canadian operating lease expires on April 30, 2017. The Anguillan operating 
lease expired on April 1, 2011 but unless 3 month’s notice is given it automatically renews for a 
future 3 months until notice is given.  

Minimum lease payments under these operating leases are approximately as follows: 

2016 
2017 

$ 

15,343 
4,864 

The Company paid rent expense totaling $22,347 for the year ended December 31, 2015 (2014 
- $26,052). 

The  Company  has  a  management  consulting  agreement  with  T.M.  Williams  (Row),  Inc.,  an 
Anguilla incorporated company, and Mr. T. M. Williams dated August 20, 2001, (the "T.  M. 
Williams  Agreement"),  amended  February  28,  2002,  in  connection  with  the  provision  of 
services to the Company by Mr. T. M. Williams. 

The  agreement  was  amended  during  the  year  ended  December  31,  2010  to  include  a 
consultancy  payment  of  $11,666  per  month  payable  in  arrears.  This  contract  is  for  the 
provision of services by Mr. T. M. Williams as Executive Chairman of the Company. During 
the year ended December 31, 2014, the agreement was amended to provide for a consultancy 
payment equal to the sum of 6.5% of the total monthly Gross Win of the cash bingo business  

 Page 40 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

8.  Commitments: (Continued) 

and 2.5% of the monthly social bingo business with a minimum of $11,000 and a maximum of 
$25,000 per month. 

During  the  year  ended  December  31,  2014,  the  Company  entered  into  an  agreement  with 
Jayska Consulting Ltd. and Mr. J. M. Williams, Chief Executive Officer of the Company for 
the  provision  of  services  of  Mr.  J.  M.  Williams  as  Chief  Executive  Officer  of  the  Company. 
The  Consulting  agreement  provides  for  a  consultancy  payment  of  GBP£5,000  per  month 
payable  in  arrears.  In  addition,  during  the  year  ended  December  31,  2014,  the  Company 
entered into an agreement with LVA Media Inc. and Mr. J. M. Williams, for the provision of 
services  of  Mr.  J.  M.  Williams  as  Chief  Executive  Officer  of  the  Company.  The  Consulting 
agreement  provides  for  a  consultancy  payment  equaling  the  sum  of  3%  of  the  total  monthly 
Gross  Win  of  the  cash  bingo  business  and  2.5%  of  the  monthly  social  bingo  business  with  a 
minimum of $7,500 and a maximum of $25,000 per month. 

9.  Income taxes: 

The  Company  is  domiciled  in  the  tax-free  jurisdiction  of  Anguilla,  British  West  Indies.  The 
computed benefit / expense differed from the amounts computed by applying the United States 
of America federal income tax rate of 34 percent and various other rates for other jurisdictions 
to the pretax income / losses from operations as a result of the following: 

Computed “expected” tax benefit (expense)  
Reduction in income taxes resulting from income 
taxes in other tax jurisdictions 
Other 
Change in taxation rates in other jurisdictions 
Change in exchange rates 
Change in valuation allowance 

2015 
1,008,204 

(1,007,419) 
(84) 
2,713 
(3,885) 
(9) 
(480) 

$ 

$ 

2014 
(1,721,159) 

1,721,775 
(149) 
2,786 
(4,807) 
706 
(848) 

$ 

$ 

The tax effects of temporary differences that give rise to significant portions of the deferred tax 
assets and deferred tax liabilities at December 31, 2015 and 2014 are presented below: 

Deferred tax assets: 
   Net operating loss carry forwards 

   Valuation Allowance  

2015 

17,898 

(17,898) 

-   

$ 

$ 

$ 

$ 

2014 

17,907 

(17,907) 

-   

The  valuation  allowance  for  deferred  tax  assets  as  of  December  31,  2015  and  2014,  was 
$17,898  and  $17,907,  respectively.    The  net  change  in  the  total  valuation  allowance  was  a 
increase  of  $9  for  the  year  ended  December  31,  2015,  and  an  increase  of  $706  for  the  year 
ended December 31, 2014. 

In  assessing  the  realizability  of  deferred  tax  assets,  management  considers  whether  it  is  more 
likely than not that some portion or all of the deferred tax assets will not be realized. The  

 Page 41 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

9.  Income taxes: (Continued) 

ultimate  realization  of  deferred  tax  assets  is  dependent  upon  the  generation  of  future  taxable 
income during the periods in which those differences become deductible. 

Management considers the scheduled reversal of deferred tax liabilities, projected future taxable 
income, and tax planning strategies in assessing the realizability of deferred tax assets.   

10. Related party transactions: 

The  Company  has  a  liability  of  $2,391  (2014  -  $3,937)  to  a  company  owned  by  a  current 
director  and  officer  of  the  Company  for  payment  of  services  rendered  of  $132,000  (2014  - 
$174,789) by the current director and officer of the Company. 

The Company has a liability of $6,507 (2014 - $3,580) to a current director and officer of the 
Company for expenses incurred. 

The  Company  has  a  liability  of  $14,804  (2014  -  $23,300)  to  a  company  owned  by  a  current 
director  and  officer  of  the  Company  for  payment  of  services  rendered  of  $91,734  (2014  - 
$90,014) by the current director and officer of the Company. 

The Company has a liability of $nil (2014 - $nil) to a company owned by a current director and 
officer of the Company for payment of services rendered of $90,000 (2014 - $96,736) by the 
current director and officer of the Company. 

The Company has a liability of $831 (2014 - $3,313) to a company owned by a current director 
of  the  Company  for  payment  of  services  rendered  of  $3,948  (2014  -  $11,163)  by  the  current 
director of the Company. 

The Company has a liability to Bingo, Inc. for rental of the UK office of $nil (2014 - $nil), for 
rental expense for the year ended December 31, 2015 of $nil (2014 - $1,045). 

The  Company  has  a  liability  of  $6,500  (2014  -  $10,000),  to  independent  directors  of  the 
Company  for  payment  of  services  rendered.  During  the  year  ended  December  31,  2015,  the 
Company paid $9,500 (2014 - $12,000) to the independent directors in director fees.  

The  Company  has  a  liability  of  $1,533  (2014  -  $4,538),  to  an  officer  of  the  Company  for 
payment of services rendered and expenses incurred of $62,719 (2014 - $71,601) by the officer 
of the Company.  

The related party transactions are in the normal course of operations and were measured at the 
exchange amount, which is the amount of consideration established and agreed to by the related 
party. 

11. Segmented information: 

The Company operates in two reportable business segments, firstly the sale of in-app purchases 
on Trophy Bingo and secondly the business of marketing games and entertainment based on the 
game  of  bingo  through  its  Internet  portal,  bingo.com,  supported  mainly  by  the  revenue 
generated from the deposits received for the games for money and selling advertising on the  

 Page 42 

 
 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

11. Segmented information: (Continued) 

website.  The  revenue  for  the  year  ended  December  31,  2015  and  2014,  has  been  derived 
primarily from the revenue generated from the deposits received for the games for money.  

The Company had the following revenue by geographical region. 

2015 

2014 

Revenue From Continuing Operations 
Advertising revenue 
Nordics 
Other 
Total advertising revenue 
Trophy Bingo Revenue 
Western Europe 
Central, Eastern and Southern Europe 
Nordics 
North America 
Other 
Total gaming revenue 

Total revenue from continuing operations 
Western Europe 
Central, Eastern and Southern Europe 
Nordics 
North America 
Other 
Total revenue 

Gaming revenue from discontinued operations 
Western Europe 
Central, Eastern and Southern Europe 
Nordics 
Other 
Total gaming revenue from discontinued 
operations 

Equipment  

The Company’s equipment is located as follows: 

Net Book Value 

Anguilla 
Canada 
United Kingdom 
United States of America 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

- 
12,196 
12,196 

23,589 
55 
468 
70,453 
4,849 
99,414 

23,589 
55 
468 
70,453 
17,045 
111,610 

- 
- 
- 
- 

- 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

391 
22,264 
22,655 

1,165 
10 
348 
6,948 
1,344 
9,815 

1,165 
10 
739 
6,948 
23,608 
32,470 

144,071 
10,826 
1,518,088 
11,062 

$ 

1,684,047 

2015 

2014 

$ 

$ 

1,410 
2,436 
1,834 
634 
6,314 

$ 

$ 

2,115 
3,308 
2,824 
1,022 
9,269 

 Page 43 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SHOAL GAMES LTD. and subsidiaries 
Notes to Consolidated Financial Statements 

Years ended December 31, 2015 and 2014 

12. Concentrations:  

  Major customers 

During the year ended December 31, 2015 and 2014, the Company sold in-app purchases on its 
social  bingo  site,  Trophy  Bingo.  There  was  no  single  player  who  had  purchased  more  than 
10% of the Trophy Bingo revenue. The Company is reliant on the Google App, iOS App and 
Amazon App Stores to provide a platform for Trophy Bingo to be played thereon.  

During the year ended December 31, 2015 and 2014, the Company offered limited advertising. 
The Company is reliant on one sales customer who provides the advertising revenue.   

For the year ended December 31, 2014, there was no single player on the gaming site who had 
wagered more than 10% of the total gaming revenue. The Company was reliant on Unibet to 
provide contracted services pursuant to its Partner Program. These services include the supply 
and  operation  of  the  games  (i.e.  Bingo  and  Slots);  the  development  and  maintenance  of  the 
website, customer support to our players playing on our website www.bingo.com, processing 
all  deposits  and  collection  of  those  funds  and  processing  all  withdrawal  requests.  The 
Company has a receivable from Unibet of $nil as at December 31, 2015 (December 31, 2014 - 
$112,552).  

13. Concentrations of credit risk: 

Financial  instruments  that  potentially  subject  the  Company  to  concentrations  of  credit  risk 
consist  primarily  of  cash  and  accounts  receivable.    The  Company  places  its  cash  with  high 
quality financial institutions and limits the amount of credit exposure with any one institution.  

The  Company  currently  maintains  a  substantial  portion  of  its  day-to-day  operating  cash 
balances at financial institutions.  At December 31, 2015, the Company had total cash balances 
of $570,086 (2014 - $2,876,386) at financial institutions, where $303,983 (2014 - $2,526,185) 
is in excess of federally insured limits.   

The Company has concentrations of credit risk with respect to accounts receivable, the majority 
of its accounts receivable are concentrated geographically in the United States amongst a small 
number of customers. 

As of December 31, 2015, the Company had three customers, totaling $40,818 who accounted 
for greater than 10% of the total accounts receivable. As of December 31, 2014, the Company 
had one customer, totaling $112,552 who accounted for greater than 10% of the total accounts 
receivable. 

The Company controls credit risk through monitoring procedures and receiving prepayments of 
cash  for  services  rendered.    The  Company  performs  credit  evaluations  of  its  customers  but 
generally does not require collateral to secure accounts receivable. 

 Page 44 

 
 
 
 
 
 
ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON 
ACCOUNTING AND FINANCIAL DISCLOSURE.  

On  February  4,  2010,  we  engaged  Davidson  &  Company  LLP,  as  its  independent  registered 
public  accounting  firm,  to  audit  our  financial  statements.  The  decision  to  engage  Davidson  & 
Company  LLP  was  approved  by  our  Board  of  Directors  at  a  Board  meeting  called  for  such 
purpose.  

There  have  not  been  any  changes  in  accountants  for  the  years  ended  December  31,  2015  and 
2014.  

ITEM 9A.  CONTROLS AND PROCEDURES 

(a) 

Management’s responsibility 

Our  management  acknowledges  its  responsibility  for  establishing  and  maintaining  adequate 
internal control over financial reporting of the Company. 

(b) 

Evaluation of disclosure controls and procedures. 

Our  management,  including  the  Chief  Executive  Officer  and  the  Chief  Financial  Officer, 
evaluated the disclosure controls and procedures of the Company within 90 days prior to the date 
of  this  report,  and  found  them  to  be  operating  efficiently  and  effectively  to  ensure  that 
information  required  to  be  disclosed  by  us  under  the  general  rules  and  regulations  promulgated 
under  the  Securities  Exchange  Act  of  1934,  is  recorded,  processed,  summarized  and  reported, 
within the time periods specified by rules and regulations of the SEC.  

These  disclosure  controls  and  procedures  include,  without  limitation,  controls  and  procedures 
designed  to  ensure  that  information  required  to  be  disclosed  by  us  is  accumulated  and 
communicated  to  our  management,  including  our  principal  executive  officer  and  principal 
financial officer as appropriate to allow timely decisions regarding required disclosure. However 
our management recognizes that any controls and procedures, no matter how well designed and 
operated, can provide only reasonable assurance of achieving the desired control objectives, and 
our  management  necessarily  is  required  to  apply  its  judgment  in  evaluating  the  cost-benefit 
relationship of possible controls and procedures. 

Our  management  is  responsible  for  establishing  and  maintaining  adequate  internal  control  over 
financial reporting. Our internal control system was designed to provide reasonable assurance to 
the  Company’s  management  and  board  of  directors  regarding  the  preparation  and  fair 
presentation of published financial statements. All internal control systems, no matter how well 
designed, have inherent limitations. Therefore, even those systems determined to be effective can 
provide  only  reasonable  assurance  with  respect  to  financial  statement  preparation  and 
presentation. Because of its inherent limitations, internal control over financial reporting may not 
prevent or detect misstatements. Projections of any evaluation of effectiveness to future periods 
are subject to the risk that controls may become inadequate because of changes in conditions, or 
that the degree of compliance with the policies or procedures may deteriorate. 

Our management evaluated of the effectiveness of the Company’s internal control over financial 
reporting  as  defined  in  Exchange  Act  Rule  13a-15(f),  based  on  the  framework  set  forth  in  the 
Internal  Control—Integrated  Framework  (1992)  issued  by  the  by  the  Committee  of  Sponsoring 
Organizations of the Treadway Commission (“COSO”). Based on our evaluation, we believe that, 
as  of  December  31,  2015,  the  Company’s  internal  control  over  financial  reporting  is  effective 
under the COSO framework. 

 Page 45 

 
 
 
(c) 

Changes in internal controls. 

There were no significant changes in our internal controls or other factors that could significantly 
affect our internal controls during the year ended December 31, 2015, and to the date of filing this 
annual report. 

ITEM 9B - OTHER INFORMATION 

None 

 Page 46 

 
 
 
PART III 

ITEM 10.  DIRECTORS, EXECUTIVE OFFICERS, AND CORPORATE 
GOVERNANCE 

DIRECTORS AND EXECUTIVE OFFICERS 

Our directors and executive officers as at December 31, 2015, are as follows:   

Age  Position 

Name 
T. M. Williams   75 
J. M. Williams 
40 
C. M. Devereux  52 
79 
G. Whitton 
F. Curtis 
51 
H. W. Bromley   46 
X* - Chairman of Committee 

Executive Chairman 
Chief Executive Officer 
Director 
Non Executive Director 
Non Executive Director 
Chief Financial Officer 

Audit 
Committee 
X 
X 

X* 
X 

Governance 
Committee 

Compensation 
Committee 

X 
X* 
X 

X 

X 

X* 

T. M. Williams has served as President, Chief Executive Officer and Chairman from August 20, 
2001  until  June  16,  2011.    Since  June  16,  2011,  Mr.  Williams  has  served  as  the  Executive 
Chairman.  Since 1984, Mr. Williams has served as a principal of T.M. Williams (ROW), Inc., a 
private consulting firm, and from 1993 until 2008, was Adjunct Professor, Faculty of Commerce 
and Business Administration at the University of British Columbia.  From 1988 to 1991, he was 
President and Chief Executive Officer of Distinctive Software, Inc. in Vancouver, BC, and, upon 
the  acquisition  of  that  company  by  Electronic  Arts  Inc.,  North  America's  largest  developer  of 
entertainment  software,  he  became  President  and  Chief  Executive  Officer  of  Electronic  Arts 
(Canada) Inc., where he continued until 1993. From 1995 to 2012, Mr. Williams was a director of 
YM Biosciences, Inc., a biotechnology company, until its acquisition by Gilead Sciences, Inc.  In 
addition, he is a director of several other private corporations. 

Mr. J. M. Williams has served as Vice President, Business Development and Marketing Director 
from September 2001 until June 16, 2011. Mr. J.M. Williams has been a director since July 26, 
2007.  Since June 16, 2011, Mr. J. M. Williams has served as the President and Chief Executive 
Officer.  Prior to his employment with Shoal Games Ltd., he was a Business Analyst with Blue 
Zone  Inc.  (a  technology  company)  and  RBC  Dominion  Securities.  Mr.  J.  M.  Williams  has  a 
bachelor  of  Commerce  degree  from  the  University  of  Victoria  and  a  Masters  of  Business 
Administration degree, specializing in strategic marketing, from the University of Warwick.  Mr. 
J. M. Williams is the son of Mr. T. M. Williams, the Company’s Executive Chairman. 

Mr.  C.  M.  Devereux  has  served  as  Vice-President,  Corporate  Affairs  from  October  2001  until 
March 31, 2011.  Since July 26, 2007, Mr. Devereux has served as a director.  Since July 2012, 
Mr.  Devereux  has  served  as  the  Chief  Strategy  Officer  for  Roadhouse  Interactive  Limited,  an 
online  games  development  company.    From  April  2011  to  April  2012,  Mr.  Devereux  was  the 
Chief Executive Officer of Greenscape Capital Group Inc., a publicly listed company specializing 
in  providing  strategic  capital  and  business  advisory  services  to  companies  in  the  environmental 
space.  From  May  2000  to  September  2001,  he  was  Vice-President,  Corporate  Affairs  at  Blue 
Zone Inc., a technology company.  From 1996 to 2000, he was President of Mill Reef Holdings, a 
consultancy  company.  From  1992  to  1997,  he  practiced  corporate  /  commercial  law  in  private 
practice. Mr. Devereux has a law degree from Osgoode Hall, Toronto, Canada. 

Mr. G. Whitton is now retired, has served as a director since June 10, 2009. He was Chairman 
and  CEO  of  International  Verifact  Inc.  (“IVI”)  from  1987  to  2000  prior  to  its  merger  with 
INGENICO of France. IVI was a publicly traded Canadian company which was a major supplier 

 Page 47 

 
 
 
 
 
 
 
 
 
 
 
of point of sale terminals and related equipment for the banking, retail, and health care industries 
in Canada and the USA. From 1979 to 1987 Mr. Whitton was the owner, President and Chairman 
of Howarth & Smith Ltd., a large typography, printing and data management company which he 
sold  in  1987.    From  1985  to  1987  he  was  also  the  President  and  CEO  of  Canadian 
Telecommunications  Group  which  was  purchased  by  British  Telecom  in  1987.    From  1973  to 
1979 Mr. Whitton held senior operating positions with Canada Permanent Trust and CIBC.  From 
1962  to  1973  he  was  with  IBM  Canada  holding  various  positions  in  sales,  marketing  and  data 
center  operations.    Mr.  Whitton  has  a  Bachelor  of  Arts  degree  from  the  Scottish  College  of 
Commerce in 1960. 

Ms F. Curtis has served as a director since June 10, 2009. She has served as Compliance Officer 
and  General  Corporate  Secretary  for  Counsel  Limited,  an  Anguillian  financial  services 
corporation,  since  2006.    Ms.  Curtis  has  been  working  in  the  financial  services  industry  since 
1990.    She  started  at  the  brokerage  firm,  Burns  Fry,  in  Toronto  (now  Nesbitt  Burns,  Bank  of 
Montreal).  She  completed  her  Canadian  Securities  Course  and  became  a  licensed  Securities 
Broker in 1992. She was educated in England, and attended the University of Toronto, Canada for 
her undergraduate degree. Ms. Curtis's MBA in Finance & International Affairs was granted by 
the Rotman School of Business, University of Toronto. 

Mr. H. W. Bromley has served as our Chief Financial Officer since July 2002. Mr. Bromley is 
also the Chief Financial Officer for Roadhouse Interactive Limited (an online games development 
company).  From 2000 to 2001, Mr. Bromley was a Director and the Group Financial Officer for 
Agroceres  &  Co.  Ltd.  From  1995  -  1999,  he  was  an  employee  of  Ernst  &  Young  working  in 
South  Africa  and  in  the  United  States  of  America.  Mr.  Bromley  has  in  addition  worked  for 
CitiBank,  Unilever  PLC,  Gerrard  and  CellStop  Sytems  Inc.  Mr.  Bromley  is  a  Chartered 
Accountant. 

COMPOSITION OF OUR BOARD OF DIRECTORS 

We currently have five directors. All directors currently hold office until the next annual meeting 
of  stockholders  or  until  their  successors  have  been  elected  and  qualified.  Our  officers  are 
appointed annually by the Board of Directors and hold office until their successors are appointed 
and qualified. Pursuant to the Company's by-laws, the number of directors shall be increased or 
decreased  from  time-to-time  by  resolution  of  the  Board  of  Directors  or  the  shareholders.  Mr.  J. 
M. Williams is the son of Mr. T. M. Williams. There are no other family relationships between 
any of the officers and directors of the Company. 

COMMITTEES OF OUR BOARD OF DIRECTORS 

We currently have three committees of our Board of Directors.  

-  Audit Committee - This committee will review the financial statements of the Company 
and  propose  to  the  board  to  approve  the  financial  statements.  The  Committee  meets 
quarterly  to  review  and  approve  the  quarterly  financial  statements  and  to  discuss  the 
affairs of the company with the auditors.  

-  Governance Committee - This committee reviews the ethics policy of the Company and 
ensures  compliance.  It  will  make  recommendations  to  the  board  for  improvement  in 
Corporate  Governance.  In  addition  it  will  be  this  committee  to  whom  a  whistle  blower 
will report. 

-  Compensation  Committee  -  This  committee  will  propose  the  appointment  and 
remuneration of the Chief Executive Officer including salary, stock options, and bonuses. 

 Page 48 

 
 
 
 
BOARD OF DIRECTORS MEETINGS  

Our Board of Directors met, in person or by phone, five times during the last fiscal year and it 
regularly approves all material actions required by consent resolutions.  

CODE OF ETHICS 

On December 21, 2006, the Board of Directors of Shoal Games Ltd.  (the "Board") adopted a new 
Code  of  Business  Conduct  and  Ethics  (the  "Code"),  which  applies  to  the  Company's  directors, 
officers  and  employees.  The  Code  was  adopted  to  further  strengthen  the  Company's  internal 
compliance program. The Code addresses among other things, honesty and integrity, fair dealing, 
conflicts  of  interest,  compliance  with  laws,  regulations  and  policies,  including  disclosure 
requirements  under  the  federal  securities  laws,  and  administration  of  the  code.  The  code  is 
the  Company's  website  at  http://investor.shoalgames.com/  under  Corporate 
available  at 
Governance.  A  copy  of  our  Code  of  Ethics  is  available  upon  request  at  no  charge  to  any 
shareholder. 

DIRECTOR COMPENSATION 

The  Non  Executive  Directors  receive  a  cash  compensation  for  their  services  as  members  of  the 
Board of Directors based on a compensation per meeting. During the year ended December 31, 
2015, the Non Executive Directors  collectively received compensation of $9,500 (Fiscal 2014 - 
$12,000). The Executive directors currently do not receive cash compensation for their services 
as  members  of  the  Board  of  Directors.  In  addition,  both  the  Non  Executive  and  the  Executive 
Directors  are  reimbursed  for  expenses  in  connection  with  attendance  at  Board  of  Directors 
meetings and specific business meetings.  Directors are eligible to participate in our stock option 
plans.  Option  grants  to  directors  are  at  the  discretion  of  the  Board  of  Directors  acting  upon  the 
recommendation of the Compensation committee.   

SECTION 16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE  

Section  16(a)  of  the  Securities  Exchange  Act  of  1934  requires  our  directors  and  executive 
officers,  and  persons  who  own  more  than  ten  percent  of  a  registered  class  of  the  Company's 
equity securities, to file with the Securities and Exchange Commission (the “SEC”) initial reports 
of ownership and reports of changes in ownership of common stock and other equity securities of 
the Company. Officers, directors and greater than ten percent stockholders are required by SEC 
regulation to furnish us with copies of all Section 16(a) forms they file.  

Our officers, directors and greater than ten percent beneficial owners filed in a timely manner in 
accordance with Section 16(a) filing requirements. 

 Page 49 

 
 
 
 
 
ITEM 11.  EXECUTIVE COMPENSATION 

The  following  table  describes  the  compensation  we  paid  to  our  Chief  Executive  Officer  and 
directors (the “Named Executive Officer”).  

Long-term 
Compensation 
Restricted 
Stock 
Awards 

Securities 
Underlying 
Options / 
SARs  (#) 

SUMMARY COMPENSATION TABLE  

Annual Compensation 

Name and 
Principal Position 

Year 

Fees 
$ 

Bonus  
$ 

Other Annual 
Compensation 
$ 

T.M. Williams -  
Executive  
Chairman (1)  
J. M. Williams 
CEO (2) 

H. W. Bromley 
CFO (3) 

2015 
2014 
2013 
2015 
2014 
2013 
2015 
2014 
2013 

132,000 
174,789 
140,000 
181,734 
186,749 
139,421 
62,719 
71,601 
62,530 

-   
-   
-   
- 
- 
- 
- 
- 
- 

-   
-   
-   
- 
- 
- 
- 
- 
- 

$ 

-   
-   
-   
- 
- 
- 
- 
- 
- 

All Other 
Compensation 
$ 

-   
-   
-   
- 
- 
- 
- 
- 
- 

- 
- 
- 
- 
- 
- 
- 
- 
- 

(1)  All of the compensation paid to the Named Executive Officer is paid to T.M. Williams (Row), Ltd. for 
the services of Mr. T. M. Williams.  See additional discussion in Employment Arrangements section of 
Item 11 of this report.  

(2)  All of the compensation paid to the Named Executive Officer is paid to LVA Media Inc. for the services 
of Mr. J. M. Williams as CEO of the Company and Jayska Consulting Ltd for the marketing services of 
Mr. J. M. Williams.  See additional discussion in Employment Arrangements section of Item 11 of this 
report.  

(3)  All of the compensation paid to the Named Executive Officer is paid to Bromley Accounting Services 

Ltd. for the services of Mr. H. W. Bromley.  

OPTION GRANTS IN THE LAST FISCAL YEAR  

During  the  fiscal  year  ended  December  31,  2015  and  2014,  no  stock  options  were  granted.  
During the year ended December 31, 2015, 515,000 (2014 – 55,000) options were exercised.  

During the year ended December 31, 2015, 5,000 options with an exercise price of $0.15 expired 
unexercised.  

During  the  year  ended  December  31,  2014,  350,000  executive  officer  options  with  an  exercise 
price  of  $0.27  and  300,000  executive  officer  options  with  an  exercise  price  of  $0.17  expired 
unexercised. 

STOCK OPTION PLANS 

Our  1999  Stock  Option  Plan  has  a  total  of  1,895,000  shares  of  our  common  stock  reserved  for 
issuance  upon  exercises  of  options  under  the  plan.  As  at  December  31,  2015,  there  were  nil 
options  outstanding.  Options  to  purchase  1,637,000  shares  remained  available  for  future  grant 
under the 1999 Stock Option Plan.  

Our  2001  Stock  Option  Plan  has  a  total  of  5,424,726  shares  of  our  common  stock  reserved  for 
issuance upon exercises of options under the plan. As at December 31, 2015, there were a total of 
1,989,700  stock  options  with  exercise  prices  ranging  from  $0.05  to  $0.30  per  share  issued,  of 
which 1,989,700 options have been exercised in total as at December 31, 2015. As at December 

 Page 50 

 
 
 
 
 
 
 
 
 
 
 
31,  2015,  there  were  a  total  nil  options  outstanding.  Options  to  purchase  3,435,026  shares 
remained available for future grant under the 2001 Stock Option Plan as at December 31, 2015.  

During the year ended December 31, 2005, the Company's Board of Directors adopted the 2005 
stock option plan. The plan was approved by the shareholders at the Annual general meeting held 
during  the  year  ended  December  31,  2005.  The  Company  has  reserved  a  total  of  2,000,000 
common shares for issuance under the 2005 stock option plan. As at December 31, 2015, there 
were a total of 521,250 stock options with exercise prices ranging from $0.15 to $0.60 per share 
issued,  of  which  521,250  options  have  been  exercised  in  total  as  at  December  31,  2015.  As  at 
December  31,  2015,  there  were  a  total  of  nil  stock  options  outstanding.  Options  to  purchase 
1,478,750  shares  remained  available  for  future  grant  under  the  2005  Stock  Option  Plan  as  at 
December 31, 2015.  

Our Board of Directors administers the 1999 Stock Option Plan, the 2001 Stock Option Plan and 
the 2005 Stock Option Plan (collectively, the “Stock Option Plans”). Our Board is authorized to 
construe and interpret the provisions of the Stock Option Plans, to select employees, directors and 
consultants  to  whom  options  will  be  granted,  to  determine  the  terms  and  conditions  of  options 
and, with the consent of the grantee, to amend the terms of any outstanding options. 

The 1999 stock option plan may be granted to employees and to such other persons who are not 
employees as determined by the 1999 stock option plan administrator (the “Administrator”).  In 
determining the number of shares of our Common Stock subject to each option granted under the 
1999  stock  option  plan,  consideration  is  given  to  the present and potential contribution by such 
person  to  the  success  of  the  Company.    The  exercise  price  is  determined  by  the  Administrator, 
provided  that  the  exercise  price  for  any  covered  employee  (as  that  term  is  defined  for  the 
purposes of Section 162(m) (3) of the Internal Revenue Code of 1986 as amended (the “Code”), 
may not be less than the fair market value per share of the Common Stock at the date of grant by 
the Administrator.  Each option is for a term not in excess of ten years except in the case of the 
death  of  an  optionee,  in  which  case  the  option  is  exercisable  for  a  maximum  of  twelve  months 
thereafter, or in the  case of an optionee ceasing to be a participant under the 1999 stock option 
plan  for  any  reason  other  than  cause  or  death,  in  which  case  the  option  is  exercisable  for  a 
maximum of 30 days thereafter.  The 1999 stock option plan does not provide for the granting of 
financial assistance, whether by way of a loan, guarantee or otherwise, by us in connection with 
any purchase of shares of Common Stock from the Company. 

The 2001 stock option plan provides for the granting to our employees of incentive stock options 
and the granting to our employees, directors and consultants of non-qualified stock options.   

During  the  year  ended  December  31,  2005,  the  Company  adopted  the  2005  Stock  Option  Plan. 
The  plan  provides  for  the  granting  of  stock  options  to  the  employees,  directors,  advisors  and 
consultants of the Corporation to encourage proprietary interest in the Corporation, to encourage 
such  employees  to  remain  in  the  employ  of  the  Corporation  or  such  directors,  advisors  and 
consultants to remain in the service of the Corporation, and to attract new employees, directors, 
advisors and consultants with outstanding qualifications. 

Our  Board  determines  the  terms  and  provisions  of  each  option  granted  under  the  Stock  Option 
Plans, including the exercise price, vesting schedule, repurchase provisions, rights of first refusal 
and  form  of  payment.    In  the  case  of  incentive  options,  the  exercise  price  cannot  be  less  than 
100%  (or  110%,  in  the  case  of  incentive  options  granted  to  any  grantee  who  owns  stock 
representing more than 10% of the combined voting power of the Company or any of our parent 
or subsidiary corporations) of the fair market value of our common stock on the date the option is 
granted.  The exercise price of non-qualified stock options shall not be less than 85% of the fair 
market  value  of  our  common  stock.    The  exercise  price  of  options  intended  to  qualify  as 
performance-based  compensation  for  purposes  of  Code  Section  162(m)  shall  not  be  less  than 

 Page 51 

 
 
 
100% of the fair market value of the stock.  The aggregate fair market value of the common stock 
with  respect  to  any  incentive  stock  options  that  are  exercisable  for  the  first  time  by  an  eligible 
employee in any calendar year may not exceed $100,000. 

The term of options under the Stock Option Plans will be determined by our Board; however, the 
term of an incentive stock option may not be for more than ten years (or five years in the case of 
incentive stock options granted to any grantee who owns stock representing more than 10% of the 
combined voting power of the Company or any of our parent or subsidiary corporations).  Where 
the  award  agreement  permits  the  exercise  of  an  option  for  a  period  of  time  following  the 
recipient's  termination  of  service  with  us,  disability  or  death,  that  option  will  terminate  to  the 
extent  not  exercised  or  purchased  on  the  last  day  of  the  specified  period  or  the  last  day  of  the 
original term of the option, whichever occurs first.  

If a third party acquires the Company through the purchase of all or substantially all of our assets, 
a  merger  or  other  business  combination,  except  as  otherwise  provided  in  an  individual  award 
agreement, all unexercised options will terminate unless assumed by the successor corporation. 

EMPLOYMENT ARRANGEMENTS  

We  entered  into  a  management  consulting  agreement  with  T.M.  Williams  (Row),  Inc.,  an 
Anguilla  incorporated  company  and  Mr.  Williams  dated  August  20,  2001,  (the  "Williams 
Agreement"),  amended  February  28,  2002,  in  connection  with  the  provision  of  services  by  Mr. 
Williams  as  President  and  Chief  Executive  Officer  of  the  Company.  During  the  year  ended 
December 31, 2010, the agreement was amended to include a consultancy payment of US$11,666 
per month payable in arrears for providing Mr. Williams services as Executive Chairman. 

The  term  of  the  amended  Williams  Agreement  is  for  a  period  of  one  year,  unless  terminated 
sooner by any of the parties under the terms and conditions contained in the amended Williams 
Agreement. If the amended Williams Agreement is not terminated by any of the parties, the term 
may  be  renewed  for  a  further  one  year  period  at  the  option  of  T.M.  Williams  (Row),  Ltd.,  on 
substantially  the  same  terms  and  conditions,  by  giving  three  months  notice  in  writing  to  the 
Company.  The  agreement  was  renewed  for  a  further  one  year  period  on  August  1,  2013.  This 
contract is for the provision of services by Mr. Williams as Executive Chairman. 

During the year ended December 31, 2010, the agreement was amended to include a consultancy 
payment of $11,666 per month payable in arrears. This contract is for the provision of services by 
Mr.  T.  M.  Williams  as  Executive  Chairman  of  the  Company.  During  the  year  ended  December 
31, 2013, the agreement was amended to provide for a consultancy payment equal to the sum of 
6.5% of the total monthly Gross Win of the cash bingo business and 2.5% of the monthly social 
bingo business with a minimum of $11,000 and a maximum of $25,000 per month. 

During the year ended December 31, 2014, the Company entered into an agreement with Jayska 
Consulting  Ltd.  and  Mr.  J.  M.  Williams,  Chief  Executive  Officer  of  the  Company  for  the 
provision  of  services  of  Mr.  J.  M.  Williams  as  Marketing  director  of  the  Company.  The 
Consulting  agreement  provides  for  a  consultancy  payment  of  GBP£5,000  per  month  payable  in 
arrears.  In  addition,  during  the  year  ended  December  31,  2014,  entered  into  an  agreement  with 
LVA Media Inc. and Mr. J. M. Williams, for the provision of services of Mr. J. M. Williams as 
Chief  Executive  Officer  of  Shoal  Games  Ltd.    The  Consulting  agreement  provides  for  a 
consultancy payment equaling the sum of 3% of the total monthly Gross Win of the cash bingo 
business  and  2.5%  of  the  monthly  social  bingo  business  with  a  minimum  of  $7,500  and  a 
maximum of $25,000 per month. 

 Page 52 

 
 
 
During the year ended December 31, 2012, we entered into a management consulting agreement 
with Bromley Accounting Services Limited for the services of Mr. H. W. Bromley as the Chief 
Financial Officer. 

ITEM 12.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS 
AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS 

PRINCIPAL STOCKHOLDERS 

The  following  table  sets  forth  certain  information  known  to  us  with  respect  to  beneficial 
ownership of our common stock as of March 16, 2016, by: 

- 

- 
- 
- 

each  person  known  by  us  to  beneficially  own  5%  or  more  of  our  outstanding  common 
stock; 
each of our directors;  
each of the Named Executive Officers; and  
all of our directors and Named Executive Officers as a group. 

In general, a person is deemed to be a “beneficial owner” of a security if that person has or shares 
the  power  to  vote  or  direct  the  voting  of  such  security,  or  the  power  to  dispose  or  direct  the 
disposition of such security. In computing the number of shares beneficially owned by a person 
and  the  percentage  ownership  of  that  person,  shares  of  common  stock  subject  to  options  or 
debentures  held  by  that  person  that  are  currently  exercisable  or  convertible  or  exercisable  or 
convertible within 60 days of March 16, 2016, are deemed outstanding. 
Percentage  of  beneficial  ownership  is  based  upon  56,197,703  shares  of  common  stock 
outstanding at March 16, 2016. To our knowledge, except as set forth in the footnotes to this table 
and  subject  to  applicable  community  property  laws,  each  person  named  in  the  table  has  sole 
voting and investment power with respect to the shares set forth opposite such person’s name.   

 Page 53 

 
 
 
 
 
Name and Address of Beneficial Owner 

T. M. Williams 
262 Smugglers Cove Road 
Bowen Island, BC 
V0N 1G0 
Canada 

J. M. Williams 
Flat 16 
Bridgewater square 
London, EC2Y 8AG 
United Kingdom 

C. M. Devereux 
10 – 3036 West 4th Avenue  
Vancouver, BC,  
V6K 1R4  
Canada 

G. Whitton 
Little Harbour, Box 573 
Anguilla, B.W. I. 

F. Curtis 
Ard Na Mara, Box 1127 
Anguilla, B.W. I. 

H. W. Bromley 
3851 Edgemont Boulevard 
North Vancouver BC, V7R 2P9 
Canada 

Number of Shares 
Beneficially Owned 

Percent of Class 

18,580,551 

(1) 

33.06% 

308,200 

(2) 

0.55% 

154,500 

(3) 

0.28% 

105,000 

(4) 

0.19% 

50,000 

(5) 

0.09% 

375,000 

(6) 

0.76% 

All directors and Named Executive Officers 
as a group (6 persons) 

19,573,251 

34.93% 

Bingo, Inc.  
P.O. Box 727, Landsome Road  
The Valley,  
Anguilla, B.W.I. 

Pendinas Limited 
Ballacarrick, Pooilvaaish Road 
Castletown, IM9 4PJ 
Isle of Man 

3,596,831 

(6) 

6.40% 

26,087,999 

(7) 

46.42% 

(1)  Includes 15,703,086 shares held directly by Mr. T. M. Williams. Mr. T. M. Williams is a potential beneficiary of 
certain discretionary trusts that hold approximately 80% of the shares of a private holding company.  If 80% of the 
shares  of  common  stock  beneficially  owned  by  the  private  holding  company  are  included  here,  Mr.  T.  M. 
William’s beneficial ownership increases by 2,857,465 shares, representing 33.06% of the Class. 

(2)  Includes, 308,200 shares held directly by Mr. J. M. Williams.  

(3)  Includes154,500 shares held directly by Mr. C. M. Devereux.  

(4)  Includes 105,000 shares held directly by Mr. G. Whitton.  

(5)  Includes 50,000 shares held directly by Ms. F. Curtis.  

 Page 54 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(6)  Includes, 375,000 shares held directly by Mr. H. W. Bromley. 

(7)  Includes 3,596,831 shares held directly by Bingo, Inc., a private holding company.  

(8)  Includes 26,087,999 shares held directly by Pendinas Ltd., a company wholly owned by Mr. G. R. Williams. Mr. 

G. R. Williams is not related to Mr. T. M. Williams nor Mr. J. M. Williams. 

 Page 55 

 
 
 
ITEM 13.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, 
AND DIRECTOR INDEPENDENCE 
The Company has a liability of $2,391 (2014 - $3,937) to a company owned by a current director 
and officer of the Company for payment of services rendered of $132,000 (2014 - $174,789) by 
the current director and officer of the Company. 

The Company has a liability of $6,507 (2014 - $3,580) to a current director and officer of the 
Company for expenses incurred. 

The Company has a liability of $14,804 (2014 - $23,300) to a company owned by a current 
director and officer of the Company for payment of services rendered of $91,734 (2014 - 
$90,014) by the current director and officer of the Company. 

The Company has a liability of $nil (2014 - $nil) to a company owned by a current director and 
officer of the Company for payment of services rendered of $90,000 (2014 - $96,736) by the 
current director and officer of the Company. 

The Company has a liability of $831 (2014 - $3,313) to a company owned by a current director of 
the Company for payment of services rendered of $3,948 (2014 - $11,163) by the current director 
of the Company. 

The Company has a liability to Bingo, Inc. for rental of the UK office of $nil (2014 - $nil), for 
rental expense for the year ended December 31, 2015 of $nil (2014 - $1,045). 

The Company has a liability of $6,500 (2014 - $10,000), to independent directors of the Company 
for payment of services rendered. During the year ended December 31, 2015, the Company paid 
$9,500 (2014 - $12,000) to the independent directors in director fees.  

The Company has a liability of $1,533 (2014 - $4,538), to an officer of the Company for payment 
of services rendered and expenses incurred of $62,719 (2014 - $71,601) by the officer of the 
Company.  

The related party transactions are in the normal course of operations and were measured at the 
exchange amount, which is the amount of consideration established and agreed to by the related 
party. 

ITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICES 

During  the  year  ended  December  31,  2015,  the  Company  incurred  fees  of  $51,000  (2014  - 
$51,000) from the principal accountant during fiscal 2015 -  Davidson & Company LLP, $51,000 
of these fees related to audit fees (2014 - $51,000).  

Our  Audit  Committee  reviewed  the  audit  and  non-audit  services  rendered  by  Davidson  & 
Company  LLP,  during  the  periods  set  forth  above  and  concluded  that  such  services  were 
compatible  with  maintaining  the  auditors’  independence.  All  audit  and  non-audit  services 
performed  by  our  independent  accountants  are  pre-approved  by  our  Audit  Committee  to  assure 
that such services do not impair the auditors’ independence from us. 

ITEMS 15.  EXHIBITS 

PART IV 

The  exhibits  required  by  Item  601  of  Regulation  S-K  are  listed  in  the  accompanying  Exhibit 
Index at the end of this report.  Each management contract or compensatory plan or arrangement 
required to be filed as an exhibit to this Form 10-K has been identified.  

 Page 56 

 
 
 
 
SIGNATURES 

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the 
registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly 
authorized. 

SHOAL GAMES LTD. 

By: 

/s/ J. M. Williams 

J. M. Williams 
Chief Executive Officer 

Date:  March 16, 2016 

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed 
below by the following persons on behalf of the registrant and in the capacities and on the dates 
indicated.  

Signature 

Title  

Date 

By: 

/s/ J. M. Williams 
J. M. Williams   

By: 

/s/ H. W. Bromley 
H. W. Bromley   

Chief Executive Officer  

March 16, 2016 

Chief Financial Officer   
(Principal Financial and  
Principal Accounting Officer) 

March 16, 2016 

 Page 57 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
EXHIBIT 31.1 
CERTIFICATIONS 

I, J. M. Williams, certify that: 

1. 

I have reviewed this annual report on Form 10-K of Shoal Games Ltd.; 

2.  Based on my knowledge, this report does not contain any untrue statement of a material fact 
or  omit  to  state  a  material  fact  necessary  to  make  the  statements  made,  in  light  of  the 
circumstances  under  which  such  statements  were  made,  not  misleading  with  respect  to  the 
period covered by this report;  

3.   Based on my knowledge, the financial statements, and other financial information included in 
this report, fairly present in all material respects the financial condition, results of operations 
and cash flows of Shoal Games Ltd. as of, and for, the periods presented in this annual report;  

4.  Shoal  Games  Ltd.’s  other  certifying  officer(s)  and  I  are  responsible  for  establishing  and 
maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) 
and  15d-15(e))  and  internal  control  over  financial  reporting  (as  defined  in  Exchange  Act 
Rules 13a-15(f) and 15d-15(f)) for the registrant and have:  
(a)  Designed  such  disclosure  controls  and  procedures,  or  caused  such  disclosure  controls 
and procedures to be designed under our supervision, to ensure that material information 
relating to Shoal Games Ltd., including its consolidated subsidiaries, is made known to 
us  by  others  within  those  entities,  particularly  during  the  period  in  which  this  report  is 
being prepared;  

(b)  Designed such internal control over financial reporting, or caused such internal control 
over  financial  reporting  to  be  designed  under  our  supervision,  to  provide  reasonable 
assurance regarding the reliability of financial reporting and the preparation of financial 
statements  for  external  purposes  in  accordance  with  generally  accepted  accounting 
principles;  

(c)  Evaluated  the  effectiveness  of  Shoal  Games  Ltd.’s  disclosure  controls  and  procedures 
and  presented  in  this  report  our  conclusions  about  the  effectiveness  of  the  disclosure 
controls  and  procedures,  as  of  as  of  December  31,  2015,  covered  by  this  annual  report 
based on such evaluation; and  

(d)  Disclosed  in  this  report  any  change  Shoal  Games  Ltd.’s  internal  control  over  financial 
reporting  that  occurred  during  Shoal  Games  Ltd.’s  most  recent  fiscal  quarter  that  has 
materially  affected,  or  is  reasonably  likely  to  materially  affect,  Shoal  Games  Ltd.’s  
internal control over financial reporting; and  

5.  Shoal Games Ltd.’s other certifying officer(s) and I have disclosed, based on our most recent 
evaluation of internal control over financial reporting, to Shoal Games Ltd.’s  auditors and the 
audit  committee  of  Shoal  Games  Ltd.’s    board  of  directors  (or  persons  performing  the 
equivalent functions):  
(a)  All  significant  deficiencies  and  material  weaknesses  in  the  design  or  operation  of 
internal control over financial reporting which are reasonably likely to adversely affect 
Shoal  Games  Ltd.’s  ability  to  record,  process,  summarize  and  report  financial 
information; and  

(b)  Any fraud, whether or not material, that involves management or other employees who 

have a significant role in the registrant's internal control over financial reporting. 

Signed :  /s/ J. M. Williams 
J. M. Williams,  
Chief Executive Officer,  
(Principal Executive Officer) 

Date : March 16, 2016 

 Page 58 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
I, H. W. Bromley, certify that:  

1. 

I have reviewed this annual report on Form 10-K of Shoal Games Ltd.; 

EXHIBIT 31.2 
CERTIFICATIONS 

2.  Based on my knowledge, this report does not contain any untrue statement of a material fact 
or  omit  to  state  a  material  fact  necessary  to  make  the  statements  made,  in  light  of  the 
circumstances  under  which  such  statements  were  made,  not  misleading  with  respect  to  the 
period covered by this report;  

3.   Based on my knowledge, the financial statements, and other financial information included in 
this report, fairly present in all material respects the financial condition, results of operations 
and cash flows of Shoal Games Ltd. as of, and for, the periods presented in this annual report;  

4.  Shoal  Games  Ltd.’s  other  certifying  officer(s)  and  I  are  responsible  for  establishing  and 
maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) 
and  15d-15(e))  and  internal  control  over  financial  reporting  (as  defined  in  Exchange  Act 
Rules 13a-15(f) and 15d-15(f)) for the registrant and have:  
(a)  Designed  such  disclosure  controls  and  procedures,  or  caused  such  disclosure  controls 
and procedures to be designed under our supervision, to ensure that material information 
relating to Shoal Games Ltd., including its consolidated subsidiaries, is made known to 
us  by  others  within  those  entities,  particularly  during  the  period  in  which  this  report  is 
being prepared;  

(b)  Designed such internal control over financial reporting, or caused such internal control 
over  financial  reporting  to  be  designed  under  our  supervision,  to  provide  reasonable 
assurance regarding the reliability of financial reporting and the preparation of financial 
statements  for  external  purposes  in  accordance  with  generally  accepted  accounting 
principles;  

(c)  Evaluated  the  effectiveness  of  Shoal  Games  Ltd.’s  disclosure  controls  and  procedures 
and  presented  in  this  report  our  conclusions  about  the  effectiveness  of  the  disclosure 
controls  and  procedures,  as  of  as  of  December  31,  2015,  covered  by  this  annual  report 
based on such evaluation; and  

(d)  Disclosed  in  this  report  any  change  Shoal  Games  Ltd.’s  internal  control  over  financial 
reporting  that  occurred  during  Shoal  Games  Ltd.’s    most  recent  fiscal  quarter  that  has 
materially  affected,  or  is  reasonably  likely  to  materially  affect,  Shoal  Games  Ltd.’s  
internal control over financial reporting; and  

5.  Shoal Games Ltd.’s other certifying officer(s) and I have disclosed, based on our most recent 
evaluation of internal control over financial reporting, to Shoal Games Ltd.’s  auditors and the 
audit  committee  of  Shoal  Games  Ltd.’s    board  of  directors  (or  persons  performing  the 
equivalent functions):  
(a)  All  significant  deficiencies  and  material  weaknesses  in  the  design  or  operation  of 
internal control over financial reporting which are reasonably likely to adversely affect 
Shoal  Games  Ltd.’s  ability  to  record,  process,  summarize  and  report  financial 
information; and  

(b)  Any fraud, whether or not material, that involves management or other employees who 

have a significant role in the registrant's internal control over financial reporting. 

Signed : /s/ H. W. Bromley 
H.W. Bromley,  
Chief Financial Officer 
(Principal Accounting Officer) 

Date : March 16, 2016 

 Page 59 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
EXHIBIT 32.1  

CERTIFICATION PURSUANT TO 
18 U.S.C. §1350, 
AS ADOPTED PURSUANT TO 
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 

In connection with the Annual Report of Shoal Games Ltd. (the “Company”) on Form 10-K for 
the period ended December 31, 2015, as filed with the Securities and Exchange Commission on 
the  date  hereof  (the  “Report”),  I,  J.  M.  Williams,  Chief  Executive  Officer  of  the  Company, 
certify, pursuant to 18 U.S.C. §1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley 
Act of 2002, that: 

a)  The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities 

Exchange Act of 1934; and 

b)  The information contained in this Report fairly presents, in all material respects, the financial 

condition and results of operations of the Company. 

/s/ J. M. Williams 
J. M. Williams 
Chief Executive Officer 
March 16, 2016 

A signed original of this written statement required by Section 906 has been provided to Shoal 
Games Ltd. and will be retained by the company and furnished to the Securities and Exchange 
Commission or its staff upon request. 

 Page 60 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
EXHIBIT 32.2 

CERTIFICATION PURSUANT TO 
18 U.S.C. §1350, 
AS ADOPTED PURSUANT TO 
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 

In connection with the Annual Report of Shoal Games Ltd. (the “Company”) on Form 10-K for 
the period ended December 31, 2015, as filed with the Securities and Exchange Commission on 
the  date  hereof  (the  “Report”),  I,  H.  W.  Bromley,  Chief  Financial  Officer  of  the  Company, 
certify, pursuant to 18 U.S.C. §1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley 
Act of 2002, that: 

a.  The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities 

Exchange Act of 1934; and 

b.  The information contained in this Report fairly presents, in all material respects, the financial 

condition and results of operations of the Company. 

/s/ H. W. Bromley 
H. W. Bromley 
Chief Financial Officer 
March 16, 2016 

A signed original of this written statement required by Section 906 has been provided to Shoal 
Games Ltd. and will be retained by the company and furnished to the Securities and Exchange 
Commission or its staff upon request. 

 Page 61 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
EXHIBIT LIST 
The  following  instruments  are  included  as  exhibits  to  this  Report.    Exhibits  incorporated  by 
reference are so indicated. 

Exhibit 
Number 

Description 

4.4 

4.5 

10.2 

10.24 

10.29 

10.32 
10.33 

10.36 

10.37 

10.38 

10.39 

10.40 

10.41 

31.1 

31.2 

32.1 

32.2 

Convertible Debenture between the Company and unrelated parties dated July 2, 2002. (b) 

Common Stock Purchase Warrant between the Company and unrelated parties dated July 2, 
2002. (b) 
Asset Purchase Agreement by and between Bingo, Inc. and Progressive Lumber, Corp. dated 
January 18, 1999. (a) 
Amended  Consulting  Agreement  dated  February  28,  2002,  between  the  Company,  T.M. 
Williams (Row), Ltd., and T.M. Williams. (c) 
Amendment of Asset Purchase Agreement dated July 1, 2002. (d) 

Code of Business Conduct and Ethics dated December 22, 2006. (e) 
Amended Consulting Agreement dated June 16, 2010, between the Company, T.M. Williams 
(Row), Ltd., and T.M. Williams. (f) 
The Marketing Service Agreement between the Bingo.com, Ltd. wholly owned subsidiary, 
Coral Reef Marketing Inc. and with Unibet International Limited dated March 19, 2010. (g)  
Amended Consulting Agreement dated August 1, 2013, between the Company, T.M. 
Williams (Row), Ltd., and T.M. Williams. (h) 
Consulting Agreement dated January 1, 2014, between the Company, Jayska Consulting 
Ltd., and J.M. Williams. (h) 
Consulting Agreement dated January 1, 2014, between the Company, LVA Media Inc., and 
J.M. Williams. (h) 
Consulting Agreement dated October 1, 2013, between the Company, Devereux 
Management Ltd., and C. M. Devereux. (h) 
Consulting Agreement dated January 1, 2014, between the Company, Bromley Accounting 
Services Limited, and H. W. Bromley. (h) 
Certificate of Chief Executive Officer pursuant to the Securities Exchange Act Rules 13a-
15(e) and 15d -15(e) as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 
dated March 16, 2016. 
Certificate of Chief Financial Officer pursuant to the Securities Exchange Act Rules 13a-
15(e) and 15d -15(e) as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 
dated March 16, 2016. 
Certification from the Chief Executive Officer of Shoal Games Ltd.  pursuant to 18 U.S.C. 
Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 dated 
March 16, 2016. 
Certification from the Chief Financial Officer of Shoal Games Ltd.  pursuant to 18 U.S.C. 
Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 dated 
March 16, 2016. 

(a) Previously filed with the Registrant’s registration statement on Form 10 on June 9, 1999.  

(b)  Previously  filed  with  the  Company’s  quarterly  report  on  Form  10-Q  for  the  period  ended 
September 30, 2002, on November 14, 2002. 

(c) Previously filed with the Company’s quarterly report on Form 10-Q for the period ended June 
30, 2002, on August 14, 2002. 

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(d)  Previously  filed  with  the  Company’s  year  end  report  on  Form  10-K/A  for  the  year  ended 
December 31, 2002, on May 8, 2003. 

(e) Previously filed with the Company’s report on Form 8-K on December 26, 2006. 

(f) Previously filed with the Company’s report on Form 8-K on June 17, 2010. 

(g) Previously field with the Company’s report on Form 8-K/A on June 18, 2012. 

(h) Previously filed with the Company’s report on Form 8-K on March 24, 2014. 

 Page 63