It's A Pirates Life For Me

Gold Hoarders are one of the three factions you'll do missions for. These are the ones in the small tent with the gold key flag outside and a wizened dude inside.

The missions will be to find an island with an 'X' marks the spot, where there'll be a buried chest. Find the island and dig up the treasure to complete the mission. On completing the first one you'll likely unlock I Wanna Be A Pirate! as well.