TO: SHAREHOLDERS OF ANTIGUA COMMERCIAL BANK LTD.

Pursuant to section 110 of the Companies Act, 1995 of the laws of Antigua and Barbuda NOTICE IS HEREBY GIVEN that the Board of Directors of Antigua Commercial Bank Ltd. has fixed Friday, January 29, 2016 as the record date for determining the shareholders entitled to receive Notice of the 60th Annual General Meeting of the Company to be held on Thursday February 25, 2016 at 3:00PM in the Crystal Ballroom at the Grand Royal Antiguan Beach Resort, Deep Bay, St. John’s, Antigua and entitled to receive payment of a Dividend. Be advised that 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 F. C. PAIGE
LEGAL COUNSEL/CORPORATE SECRETARY

January 22, 2016.