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To the Shareholders of AMERICAN BANK OF CAROLINAS,

The 2026 Annual Meeting of Shareholders of AMERICAN BANK OF CAROLINAS will be held on July 21, 2026 for Shareholders of record as of May 29, 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 AMERICAN BANK OF CAROLINAS