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Microcap & Penny Stocks : PanAmerican BanCorp (PABN) -- Ignore unavailable to you. Want to Upgrade?

To: ColleenB who wrote (42330)	12/17/1999 5:31:00 PM
From: Lucky Charm	Read Replies (4) \| Respond to of 43774

Always business huh Colleen???? Just reminising (sp)back to the year gone past... your friendship was soooooo valued then..... That's all!!!!! All in all... Best wishes to you and your family for the coming year and a Very Happy, Joyous and Merry Christmas.

To: ColleenB who wrote (42330)	12/18/1999 12:58:00 AM
From: jhild	Read Replies (4) \| Respond to of 43774

Look at this From the Desk of thing that John Schmitz has penned. Rather extraordinary in what it doesn't say as well as what it does. Happy Holidays PanAmerican is excited about the prospects for the coming year. So far so good. He managed to make it from the first sentence of the letter without really saying anything. We have spent considerable time and money in positioning ourselves to take advantage of the opportunities in front of us. Oooops. He let it slip out a bit much there. They have been spending considerable money. Just where has this considerable money been coming from? Just where has it been going? Look at the line up of opportunities listed elsewhere by Ray Gamble. Whither Belize? Wither RMC? Whither NHLT? Whither NRPI? Whither 84 Lumber? Whither PCRoomLink? Whither Videophones? Wither Gold Country? Whither Teachdaq? Look for new arrangements, new personnel, new business and new excitement as we unfold what I hope to be our breakout year. Hooboy. Now we've got it going. Already foundering in the business opportunities they set for themselves last year, now they are setting up a whole new bunch of opportunities. Breakout Year? Is he worried about jail time and already planning an escape? We have new business opportunities for entrepreneurs throughout the country. Is this to be the first hint at announcing an e-commerce initiative? After the Christmas selling season? Hahahahaha. Or perhaps is this where the CheapSuits.com comes into play? We have new trading offices slated to open. We have expanded financial services on the horizon. New trading offices to open? The ones they have can't keep their doors open. What kind of support is that for their alleged franchising initiative? Hooboy. We have expanded financial services on the horizon. Now just what could this mean? Are they getting a savings account to go along with their corporate checking account? We have registrations under regulation SB in the works. Here's where the alarms go off. SB registrations in the works? My that's what I call real detail. Are we getting another private placement? Or will it be a floorless convertible? The possibilities are extensive here, besides the actual one that they could file a Form 10. At this point that possibility seems remote as there is likely too much I think they would have to reveal. We at PanAmerican wish you all the best for the holidays and a Happy, Healthy and Prosperous New Year. So really, over all, it was about as informative as you would expect a HallMark card to be this time of year.

To: ColleenB who wrote (42330)	12/18/1999 7:01:00 AM
From: ColleenB	Respond to of 43774

We have spent considerable time and money in positioning ourselves to take advantage of the opportunities in front of us. this sounds like they need another infusion....... We have expanded financial services on the horizon. We have registrations under regulation SB* in the works.* My understanding is that an SB-2 would be used where additional shares are being offered and sold to the public - either of an existing class of shares or a new class. It therefore, in such an instance, registers that class of shares for public trading and triggers the reporting requirements. So, perhaps the company will submit their Form 10 at the same time they raise more operating capital. With the thinking being that everybody will be so happy they filed they won't notice that their shares have been diluted again.