THE GRAMI – DESCRIPTION AND RISKS

THE GRAMI – a new way to acquire the world’s most reliable store of value at discount prices.

Executive Summary

Throughout history, gold has represented the greatest store of value in the world. The total value of all the refined gold in existence is currently estimated to be $9.3 trillion. Gold available for investment is approximately $2.6 trillion. To put the magnitude of those amounts in perspective, the float adjusted value of Bitcoin is less than $700 billion.

PM Streaming, LLC, d/b/a Goldstreaming.com (the “Company) is a gold streaming company. The term streaming describes a financial transaction in which funds are advanced to a mining company in exchange for future delivery of physical gold. In essence, gold is purchased for a later delivery at a fixed price. The streaming industry has annual gross revenue of billions of dollars. The Company has created the Grami as a product that provides purchasers a means to participate in the benefits of the streaming business and acquire physical gold.

Each Grami represents a gold bar with a gold content depicted in grams and ounces. , Each Grami depicts a different weight in gold starting at 1 gram and progressing through various denominations to five troy ounces. (There are 31.103 grams in a Troy ounce) Each Grami is priced as if it were the value of gold depicted less 25%. Pricing is based on the spot price of gold (set by the London Bullion Market Association) as of approximately 9 a.m. PDT each trading day If the spot price of gold was $1,800 a troy ounce, then the 2 ½ Gram bar would be valued at $108 (which includes a 25% discount). By establishing this type of pricing structure which not only omits a markup but includes a discount, gold ownership is democratized by allowing tens of millions of people who could not otherwise do so to participate in the gold market and, should they so choose, take possession of physical gold. It also provides larger investors the opportunity to obtain gold at prices not otherwise available to them. Each Grami delivered to purchasers will be individually numbered. The Company reserves the right to deliver physical gold bearing imprints different than those pictured on this site, except that each physical bar will be stamped “99.99% pure.

Owners of Gramis will be participants in the streaming business. The Company’s agreements with mining entities will require repayment in gold. Grami holders will have the right (among other rights described hereinr) to exchange their Grami for physical gold, to hold them for as long as they want, or to sell or assign them. (1) The Company will offer Grami to the investing public at the “Spot” listed price of gold without any premium and with a 25% discount plus promotions or other discounts. The Grami will be priced on the www.goldstreaming.com checkout page based upon the daily spot price of gold. This provides Grami holders the unique opportunity to purchase gold at prices which are below those available in the retail gold market. (2) The Company is unaware of any other similar opportunity for investors who are not major gold traders to be able to obtain gold at 25% less than spot prices

For example, on March 22,2022, the website jmbullion.com was offering quarter ounce South African Gold Kruggerands for “ As low as $158.99 per coin over spot” . An ounce of gold closed on that day at $1,935. A retail purchase by an investor on a site like JMBullion would have been at $2,571, significantly higher than the price OF A Grami REPRESENTING ONE OUNCE OF FUTURE GOLD.

The Company will conduct rigorous due diligence before entering into agreements with mining companies. That due diligence will include a reasonable determination that the mining business to which funds are advanced will have sufficient gold to be able to repay the loans.

The Company will thoroughly vet all funding applicants, not only for their ability to produce gold, but also the methods of production. The Company is committed to doing business only with those mines that have implemented acceptable ESG policies and are committed to future operations that will be carbon neutral and are dedicated to clean waters and mining processes that do not pollute the environment or communities in which they operate.

For its first offering, the Company has established a contractual relationship with the GS Mining Company, LLC (“GSMC”) which is developing gold mines in Central City, Colorado. Information about that business can be found on its website. Gsminingholdings.com Of particular note on the website is the section on technical reports. The Bates Hunter gold mine has had an industry standard 43-101 report prepared. The report indicates the likelihood that there are one to three million ounces of gold to be recovered. The mine operators are highly competent with years of experience working in and operating mines in both the United States and internationally. The Company has concluded that GSMC will be a secure source of gold. The Company intends to investigate additional sources of gold from other companies. GS Mining Company anticipates being able to deliver gold before the end of 2022.

START WITH GOLD

Gold is regarded as a secure investment and is very popular as a means of coverage in times of crisis. Its high value and its rarity and uniqueness make gold a secure financial investment which also withstands inflation.

Gold was extracted in Egypt as early as 2000 B.C. and the first gold coins were minted in 50 B.C. in Rome. This shows that people have always been fascinated by gold and by its rarity, durability, and beauty.

Because of its properties, gold is also one of the most important industrial raw materials. The yellow precious metal is easily workable and conducts electricity and heat. Because of its excellent conductivity, gold is used particularly in the electrical industry. Gold has also been used in dental technology for around 3000 years. However, gold is used most frequently in the jewelry industry. This line of business accounts for around 75 per cent of the gold worked. Apart from the Antarctic, where mining is not allowed due to international regulations, the precious metal is mined on all continents. Gold is a significant tangible asset that limits wild fluctuations in price while remaining a globally accepted store of value. It is a hedge against inflation and political crisis.

THE GRAMI

The Grami provides a path to gold ownership, potential profits and participation in the environmentally responsible mining industry not currently available in today’s market,

This is how:

The Company places its Grami for sale on the Company website, www.goldstreaming.com. The Grami is priced at spot as if it were gold and is adjusted for discounts.
The Grami provides consumers a way in which to acquire gold for future delivery in desired wieghts through a system of one time or reoccurring monthly purchases
The Company will set the date by and after which Grami may be exchanged for physical gold. The date will depend upon the target date for production set by the contracted mining company, but in most cases no later than four to six months from the date of purchase.
The Company reserves the right to set the amount of Grami sold based upon the amount of gold it expects to be produced by the mining companies with which it is doing business.
Dates for availability of gold to exchange are uncertain. The Company will specify dates when they are known to it and will send email notifications to Grami owners and announce the dates on its website. Prior to exchange the Grami may be sold or transferred by purchasers and holders. There is no time limit by which exchanges must be made.

RISKS

IT IS THE RESPONSIBILITY OF ANY PERSONS WISHING TO PURCHASE GRAMI TO INFORM THEMSELVES OF AND TO OBSERVE ALL APPLICABLE LAWS AND REGULATIONS OF ANY RELEVANT JURISDICTIONS. PROSPECTIVE INVESTORS SHOULD INFORM THEMSELVES AS TO THE LEGAL REQUIREMENTS AND TAX CONSEQUENCES WITHIN THE COUNTRIES OF THEIR CITIZENSHIP, RESIDENCE, DOMICILE AND PLACE OF BUSINESS WITH RESPECT TO THE ACQUISITION, HOLDING OR DISPOSAL OF Grami or gold.

Risk Considerations

The Company is in the business of advancing money and making loans. Although the Company will use all reasonable efforts to ensure that borrowers will be able to repay their loans and to repay them in gold, it is always possible that the borrower will be unable to pay back the loans. Borrowers may encounter an entire range of problems from acts of God to market instability. In the event that borrowers do not repay loans in full or in part, or in the event that the Company deems it appropriate to extend terms for repayment, there may be insufficient gold to permit Grami holders to exchange their Grami for gold. The Company does not warrant or guarantee any repayment. In no event will the Company be liable for any cost or damage incurred by the Grami holder on account of a default by any borrower of the Company. In purchasing Grami each investor acknowledges that the Company intends to loan money to mining companies that are in the development stage. This means that they have little or no revenue at the time of the loan. The Company does not hold or store finished gold for the benefit of Grami holders. All gold used for repayment of Company loans will come from the gold produced by the borrowing mining entities. The Company will use its best reasonable judgment to only make loans to mining businesses that have sufficient ore bearing material to produce sufficient gold to repay the loans. These repayments will be “pay as you go” in terms of gold on hand. Because of this, there may not be any gold held in storage, a vault or otherwise. Each Grami investor acknowledges that he or she may lose his or her entire investment because of a lack of gold production.

2. GOLD MINING EARNINGS MAY BE AFFECTED BY THE PRICE OF GOLD WHICH MAY AFFECT THE BORROWER’S BUSINESS.

A borrower’s revenues will have derived primarily from the sale of gold. As a result its earnings will be directly related to the prices of this precious metal. Gold prices fluctuate widely and are affected by numerous factors including:

expectations for inflation.
speculative activities.
relative exchange rate of the U.S. dollar.
global and regional demand and production.
political and economic conditions; and
production costs in major producing regions.

These factors are beyond the borrower’s control and are impossible to predict. If the market prices for gold falls below the costs to produce it for a sustained period, the borrower may have to discontinue its exploration, development or mining operations.

THE DEVELOPMENT OF ORE BODIES MAY COST MORE AND PROVIDE LESS RETURN THAN ESTIMATED.

The borrower’s operations will be dependent to a large extent on its ability to develop and remove ore at the mine. Before it can begin a development project, the borrower must first determine whether it is economically feasible to do so. This determination will be based on estimates of several factors, including:

reserves.
expected recovery rates of metals from the ore.
facility and equipment costs.
capital and operating costs of a development project;
future metals prices.
comparable facility and equipment costs; and
anticipated climate conditions.

THE BORROWER’S OPERATIONS MAY BE ADVERSELY AFFECTED BY RISKS AND HAZARDS ASSOCIATED WITH THE MINING INDUSTRY.

The Borrower’s business will be subject to a number of risks and hazards including:

environmental hazards.
political and country risks.
industrial accidents.
labor disputes.
unusual or unexpected geologic formations.
cave-ins.
explosive rock failures; and
flooding and periodic interruptions due to inclement or hazardous weather conditions.

Such risks could result in:

damage to or destruction of mineral properties or producing facilities.
personal injury.
environmental damage.
delays in mining.
monetary losses; and
legal liability.

THE BORROWER WILL BE REQUIRED TO OBTAIN GOVERNMENT PERMITS TO CONDUCT MINING OPERATIONS.

Obtaining the necessary government permits is a complex and time- consuming process involving numerous jurisdictions and often involving public hearings and costly undertakings. The duration and success of efforts to obtain permits will be contingent upon many variables not within the Borrower’s control. Obtaining environmental protection permits, including the approval of reclamation plans, may increase costs and cause delays depending on the nature of the activity to be permitted and the interpretation of applicable requirements implemented by the permitting authority. There can be no assurance that all necessary permits

will be obtained and, if obtained, that the costs involved will not exceed those previously estimated. It is possible that the costs and delays associated with the compliance with such standards and regulations could become so significant that the Borrower would not proceed with the development or operation of a mine or mines.

THE BORROWER WILL FACE SUBSTANTIAL GOVERNMENTAL REGULATION AND ENVIRONMENTAL RISKS.

The Borrower’s business is subject to extensive federal, state and local laws and regulations governing development, production, labor standards, occupational health, waste disposal, use of toxic substances, environmental regulations, mine safety and other matters.

The Borrower may be required to maintain reserves for costs associated with mine closure, reclamation of land and other environmental matters. Future expenditures related to closure, reclamation and environmental expenditures are difficult to estimate due to:

the uncertainties relating to the costs and remediation methods that will be required in specific situations.
the possible participation of other potentially responsible parties; and
changing environmental laws, regulations and interpretations.

Various laws and permits require that financial assurances be in place for certain environmental and reclamation obligations and other potential liabilities. The amount of the financial assurances and the amount required to be set aside as collateral for financial assurances are dependent upon many factors, including reclamation cost estimates. The Borrower may be unable to maintain the financial assurances that may be required.