Ex-Pats are people who live in a different country than that which they were born and brought up. In general expatriates are considered to be people who are residing in their host country (panama) temporarily, with the ultimate intention of returning home at a later date.
However, in recent times, more and more expatriates have left their home country and found that they can experience a higher standard of living and a better quality of life abroad and, for this reason, many of them never return home.
So there you have it, a very brief yet simple explanation of who is an Ex-Pat. Not so scary or disloyal as many might think.
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