NOTICE IS HEREBY GIVEN that the Board of Directors of Antigua Commercial Bank Ltd. has fixed November 30, 2012 as the record date for determining the Shareholders entitled to receive Notice of the Meeting of the 56th Annual General Meeting of the Company to be held on December 20, 2012 and entitled to receive payment of a Dividend. Only the Shareholders of the Company on record at the close of business on that day will be entitled to receive Notice of the Meeting and payment of a Dividend.

Please be guided accordingly.

BY ORDER OF THE BOARD

RHODETTE PAIGE
LEGAL COUNSEL/CORPORATE SECRETARY