ATN International, Inc.

Second Amendment to the OneVI Debt Agreement

On November 5, 2025, the Company, through its subsidiaries ATN VI Holdings, LLC (“ATN VI”) and Caribbean Asset Holdings, LLC (“CAH” and, together with ATN VI, the “Borrowers”), entered into that certain Second Amendment to Loan Agreement (the “Amendment”) with NCSC, the successor in interest to Rural Telephone Finance Cooperative, to amend the Loan Agreement, dated as of July 1, 2016, by and among the Borrowers and Rural Telephone Finance Cooperative (as amended by the Amendment to Loan Agreement dated May 5, 2022, the “OneVI Debt Agreement”).

The Amendment extends the maturity date of the OneVI Debt from July 1, 2026 to July 1, 2035 (the “Extended Maturity Date”). The Amendment further provides that the OneVI Debt will continue to accrue interest at the current fixed 4.0% rate through June 30, 2026 and, beginning on July 1, 2026, NCSC will offer, at the Borrowers’ option, a forward fixed rate or variable rate of interest for the remainder of the term of the OneVI Debt through the Extended Maturity Date. If the Borrowers elect the variable rate, the variable rate will be NCSC’s standard variable rate of interest for long-term loans and subject to change monthly, and the Borrowers will have the option to convert all or a portion of principal outstanding as of the date specified in the Conversion Notice (as defined in the OneVI Debt Agreement), to NCSC’s standard fixed interest rates for long-term loans at any time thereafter without a fee.

Additionally, the Amendment provides that the OneVI Debt will continue to require interest-only payments at the current rate through June 30, 2026; beginning on July 1, 2026, the OneVI Debt will be subject to a quarterly repayment schedule using the level debt service, level principal amortization method, or a principal repayment schedule mutually agreed upon by NCSC and the Borrowers.

The Amendment includes financial covenants by the Borrowers that impose a maximum ratio of indebtedness to annual operating cash flow and require the Borrowers to maintain a minimum fixed charge cover ratio for annual periods through the Extended Maturity Date.

The foregoing description of the Amendment does not purport to be complete and is qualified in its entirety by reference to the Amendment, a copy of which is filed as Exhibit 10.1 to this Quarterly Report on Form 10-Q and is incorporated by reference herein.

Rule 10b5-1 Trading Arrangements

While the Company does allow for its officers and directors to enter into trading arrangements intended to satisfy the affirmative defense conditions of Rule 10b5-1 with the Company’s prior approval, during the quarter ended September 30, 2025, none of the Company's directors or officers informed the Company of the adoption or termination of a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement”, as those terms are defined in Regulation S-K, Item 408.