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To the Shareholders of IBW FINANCIAL CORP,

The 2026 Annual Meeting of Shareholders of IBW FINANCIAL CORP will be held on June 23, 2026 for Shareholders of record as of May 08, 2026.

Your vote is important, so please vote at your earliest convenience.

If you own shares through a broker, please follow the instructions that were provided to you by your broker/financial institution.

If you have any questions, please contact AST.

Thank You,

Equiniti Trust Company, LLC

Transfer Agent for IBW FINANCIAL CORP