PAN- CARIBBEAN GOLD INVESTMENT PROPOSAL

PAN- CARIBBEAN GOLD INVESTMENT PROPOSAL

Table of Contents 1. Cover Page 2. Executive Summary 3. Affiliation 4. Outlook for the Future of Gold 5. Currency Hedge and Foreign Exchange 6. Company Objectives 7. Investment Offer 8. Demand and Supply 9. How does Gold Work 9.1 How is Gold viewed 9.2 Gold and Inflation 9.3 Relevant Factors Safe Harbor 10. Local Integration 11. Disclaimer

2. EXECUTIVE SUMMARY Pan- Caribbean Gold Holdings, LTD ( Pan- Caribbean ) is an investment vehicle formed by its parent company Legend Way International, LLC. Pan- Caribbean currently buys and sells physical gold in several West African nation countries. The Company also invests in the expansion of small gold mining companies which in turn increases access to the metal at considerable below market costs. Pan- Caribbean s goal is to increase gold reserves, provide quarterly returns for investors and make the metal more accessible to the Caribbean community. We believe we can build a substantial gold portfolio and take advantage of market moves which will allow us to maintain constant and safe returns. Having gold accessible to people in the Caribbean will stabilize the region in times of financial crisis or future economic downturn. Many trustworthy gold market analysts project the price of gold to rise significantly in the future, thus potentially further increasing revenue. We believe that the company will grow exponentially over the next several years and our gold reserves will help stabilize the financial well- being of our community. The company will engage in Foreign Exchange trading in addition to our Gold investments. This will facilitate the projected returns as outlined in the Proposal. The investment will be diversified between Foreign exchange trading, Gold Spot deals and Commodity trading. Pan- Caribbean strives to become a leading gold holding and trading company which applies paramount standards of production and management. According to our projections, an Internal Rate of Return of 5% quarterly can be expected. All disbursements are made on a quarterly schedule at a Rate of 5% on invested funds. 3. COMPENSATION PLAN/AFFILIATE PROGRAM Our Affiliate Program allows Investors to earn even more money by referring other individuals and companies to invest at any tier level. For each investor referred, the affiliate receives a 5% bonus on the

funds invested which will be held in Gold in a Zurich or Cayman Island vault or IN cash. Bonuses are disbursed 30 business days after funds are invested. For more information, contact us directly. 4. OUTLOOK FOR THE FUTURE OF GOLD Pan- Caribbean has conducted extensive research into the valuation of gold and gold related companies and products. We provided the charts below to provide and insight on the potentiality of gold in the future. Casey Research is a trusted research firm our company utilizes routinely. The charts below are built from a database of 6,830 companies. They're grouped by industry, and all have a market capitalization of US$1 Billion or more. They trade on various stock exchanges. Here's how the number of gold producers compares to other sectors.

Primary gold miner producers are clearly a tiny group when compared to the number of companies in other industries at this market cap. What's staggering is that there are three times as many companies in the Financials group as there are stocks in the whole Materials category. Further, there are 470 real estate companies with market caps of $1 Billion or more within the Financials group. Primary gold producers would be just 6.5% of that subset. By market capitalization, Billion- Dollar gold stocks represent only 12.5% of the total market cap of the Metals and Mining subcategory, which in turn is about 43% of the total Materials group. The conclusion we can draw from these two charts is rather obvious: gold stocks are a tiny constellation in a big universe. This is important, because it shows just how very crowded the

gold sector could get when the larger universe of investors turns to the gold sector, ultimately pushing prices upward. We believe our gold positions will increase in value over time also increasing returns to our Investors. 5. CURRENCY HEDGE AND FOREIGN EXCHANGE Investors have long regarded gold as a good protection against depreciation in a currency's value. The defensive properties apply both internally (i.e. against inflation) and externally (against other currencies). In the latter case, gold is widely considered to be a particularly effective hedge against fluctuations in the world's main trading currency, the US dollar and Vice Versa. If the Value of Gold is not increasing at what the company projected, we have deployed seasoned forex traders to trade cash in the dollar against other currencies. 5 REASONS FOREX EXCHANGE TRADING CAN YIELD GREAT PROFITS 1. Forex is the largest financial market in the world. The Forex market has daily volume of over $3 trillion per day, dwarfing volume in the equity and future markets combined. Such a huge amount of daily volume allows for excellent price stability in most market conditions. This means you likely will never have to worry about slippage as you would when trading stocks or commodities. The price you see quoted on your trading screen is the price you get. 2. Trade 24 hours a day 6 days a week. There is no opening bell in the forex market. You can enter or exit a trade whenever you want from Sunday around 5pm EST to Friday around 4pm EST. There are 3 distinct trading sessions for you to take advantage of in the U.S., Europe, and Asia which allows you to trade on your own schedule and respond to world-wide breaking news. While it is possible to trade some stocks and commodities in the after hour electronic session, the liquidity is often very low and this makes prices extremely

3. Market transparency and Instant execution. Market transparency is much greater in forex than in stocks or commodities, this means it is easier to analyze the inner workings of the market and figure out what is driving it. For example, economic reports and news announcements that drive a countryʼs economic policy are widely available and accessible for anyone interested. Whereas an individual companyʼs accounting statements are much harder if not impossible to obtain. Instantaneous order execution is another great advantage forex has over other markets. Retail forex trading is generally done over the internet on all electronic platforms. The forex market has no central exchange, no floor brokers, and was designed to be this way to facilitate large banks and allow for instant execution of transactions, this means no delays for you and extreme ease of execution. 4. Low margin requirements. Forex margin requirements were recently raised in the U.S. but at a maximum of 1:100 this is still much higher leverage than you will get in the futures or equity markets. This means you can control 100,000 worth of currency for only 1,000, or 1%. Leverage can be a double-edge sword however, as an increase in leverage leads to an increase in risk but also in profit potential. 5. Price movements are predictable in the forex market. Due to its highly speculative nature forex price movements tend to over shoot and then correct back to the mean. This means there are a number of repetitive patterns that are easily recognizable to the trader who is trained in price action analysis. Forex currency pairs generally spend more time in very strong up or down trends than other markets, this is also a huge advantage because it is generally much easier to trade a strongly trending market than a chaotic and consolidating market

Research undertaken in 2013 examined the advantages and costs associated with hedging foreign- exchange exposure, showing that gold can improve the effectiveness of currency hedging strategies by reducing portfolio drawdown risk at a lower cost. Previous research has also shown the gold price to be negatively correlated with the US dollar, and to have been consistently so over time and across exchange rates. Analysts established that throughout this period of considerable economic turbulence (1971-2002), gold offered investors consistently strong protection against instability and exchange rate fluctuations. Concerns remain regarding the fragility of most of the world s major currencies. Many investors and policy makers are again considering gold s role as a monetary asset and currency. This attention has supported gold s multi- year appreciation in price. Pan- Caribbean stands poised to take advantage of this phenomenon.

6. COMPANY OBJECTIVES Gold has been used as money and as a means of storing and protecting wealth for thousands of years. With rising inflation and global crises unfolding seemingly every day, owning gold is more crucial than ever. For instance, between January 2000 and January 2011, gold rose 402%, while the S & P adjusted for inflation, lost 26% and that s just the metal itself. Over the last 10 years, gold- and silver- related securities have proven to be exceptional investments, as well. Stocks and mutual funds of gold producers often outperform the metal by more than 2:1. Our objective is to help our Investors build and maintain a portfolio of gold and profit from the foreign exchange market, including: Physical metal in the form of coins or bars. Investor certificates offering returns of 20% annually. Interests in Gold related companies that mine or explore for precious metals. Forex Trading to hedge the volatility of gold values. Pan- Caribbean strives to become a leading Gold Management company applying high Standards for trading and management. It will utilize modern technologies to achieve highest efficiency while preserving our integrity and protecting our Investors.

7. INVESTMENT OFFER Pan- Caribbean is proposing a share capital increase of 10,000,000.00 over 5 years. Investors can expect to realize 5% quarterly returns on invested funds. Via our compensation plan, bonuses will be paid in gold but redeemable in cash for every referral sent to the company. 8. DEMAND AND SUPPLY From an industry perspective, gold is predominantly driven by global jewelry demand. The 2006 consumption was 3 400 t, 1 100 t more than the mine supply. The difference was made up of scrap supply (1 100 t) and official sector sales (300 t), offset by producer de- hedging (400 t). Gold touched an all- time high of $1496/oz. in April 2011. Today, China is the world's largest gold producer followed by Australia, USA, South Africa and Russia. 9. HOW DOES GOLD WORK? According to UBS Investment Research (March 10, 2009), gold is almost unique in a commodity context. It is unique (and from an investor perspective often maligned) because over the past several decades there has been no clear societal need for the metal. It could be (and often is) argued that while other commodities are required to directly support the inner workings and advancement of human civilization, gold is not. Gold s primary applications have, throughout history, been consigned to two (2) primary (and often interlinked) uses: as a medium of exchange or currency, and for jewelry. 9.1 HOW IS GOLD VIEWED In our view, gold can best be characterized as being mostly money. This is not a perverse way of saying that it both is and is not money; we would instead describe gold as having the most important characteristics of money without having the explicit authority to be money. Gold s role as a form of money is largely a function of its physical and geological properties; the more important of these are described below:

Scarcity: Gold is reasonably scarce, so there is not likely to be a loss of confidence from supply growth; and mine- supply growth over time is reasonably predictable. Utility: Gold is divisible, indestructible and transportable; furthermore it can be stored indefinitely, all of which makes it unique as a convenient agent of exchange. Acceptability: Gold has been a widely accepted and used form of currency for much of human history. Given gold s financial links, the usual supply/demand dynamic often does not apply for the metal. Gold prices generally respond quite peripherally and temporarily to the waxing/waning of jewelry demand, or oscillations in mine output or central bank selling. If selling or buying surges, then of course prices will respond; however, this is usually short- lived. The evidence does suggest, that gold meaningfully responds as a financial instrument that competes with other stores of value, i.e. other currencies and other asset classes. Over time, gold trades like any other form of money. As such, over the past several decades, with confidence in paper money having fluctuated (the US dollar in particular, as this is still the default global reserve currency), the performance of gold has responded largely as a response to changing inflationary and deflationary expectations. 9.2 GOLD AND INFLATION Inflation also erodes the value of key asset classes, particularly of equities and debt, given that it generally coincides with greater volatility of inflation, which leads to greater uncertainty and increased risk perceptions. But before making further comments on how gold performs in periods of inflation, it is necessary to clarify that we also believe that one needs to consider the source of inflation, as this may have a bearing as to how gold could perform. For example, inflation during the 1970-80s was due to a combination of two things: (1) stimulate monetary policy during the 1960s; and (2) a spike in oil prices which occurred as a consequence of supply restraint. These two factors led to a strong performance in commodities as an asset class and a mixed performance by gold versus some of the other commodities.

It is also possible, in our view, for inflation to emerge in another manner, and one which may be more applicable to the current financial environment; that is the potential for currency debasement as governments spend vast quantities of money, and potentially start the printing presses to produce more currency and avoid deflation. In such environment, we would argue that prices rise as a direct consequence of growing availability of money (the velocity of money being key factor). Given the non- fiat characteristics of gold, we would expect that in this macro environment gold could perform in- line with inflation. In summary, gold can well act as a hedge against inflation, particularly if the source of that inflation is a loose monetary policy. 9.3 RELEVANT FACTORS SAFE HARBOR The price of gold has surged in the past seven years fueled by political and economic uncertainty, rising oil prices and the decline of US investors investing in gold as soon as the economic climate is worsening - at times viewed as a "recession hedge". As the confidence in the financial market's ability to preserve economic value is being shaken, for example by awakening US Dollar and rising oil prices, gold is, again, gaining credibility among investors as the ultimate store of value. The increasing role of gold as the currency of last resort can be seen in the increasing correlation between gold prices and measures of financial distress from the credit- default swap (CDS) markets. Specifically, the recent divergence between gold prices and the fair value currency basket is largely explained by the rising CDS spreads of financials and sovereigns (see illustration 1). Augmenting the fair value currency basket with these measures of financial and sovereign risk suggests that gold is priced consistently with increased sovereign default risks.

10. LOCAL INTEGRATION Social Responsibilities Pan- Caribbean is actively working towards the goal of effectively utilizing its presence as a force for sustainable social stability, well- being and growth in the Caribbean region. The terms stated by the local government in the Company s license agreements specify a number of activities related to this goal and the Company has even expanded these activities further along the lines of contemporary Corporate Social Responsibility. Pan- Caribbean expects to be a substantial supplier of labor opportunities for the local workforce Besides the obvious positive implications for the Company s brand and reputation, this work also makes the Company a very valued member in the local community, thus it has never experienced any undue political pressure or other delays, nor any disruptions of deliveries and supplies. CONTACT: Operations Manager, Orville Roberts for more information on the Pan- Caribbean Gold Project at 561-500- 9402.

11. DISCLAIMER The information in this business plan does not contain a complete set of information about Pan- Caribbean Holdings, LTD or Legend Way International, LLC. It is a summary of the major aspects for information purposes only. This business plan may include information which is forward- looking regarding financial performance and results and other statements that are not historical facts. Forward- looking information involves known and unknown risks, uncertainties and other factors which may impact the actual outcome. This business plan has been prepared by the managers of Pan- Caribbean and has not been independently verified. No representation, warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information and opinions in this presentation. None of the managers of Pan- Caribbean or any of its agents or advisers, shall have any liability, in negligence or otherwise, for any loss whatsoever arising from any use of this presentation or its contents or otherwise arising in connection with this presentation. This business plan and all other information, material or documentation provided in connection therewith, shall not, either in whole or in part, be reproduced, redistributed or made otherwise available to any other person.