Holding in Company

Secure Trust Banking Group PLC
15 January 2001


Letter to: Company Announcements Office

                            SECURE TRUST BANKING GROUP PLC

We are writing to advise you, under the Companies Act 1985, that we have been
informed by Gambier Holdings Inc., of P O Box 958, Pasea Estate, Road Town
Tortola, British Virgin Islands, is interested in 420,000 Ordinary shares of 1p
each in the company, representing 3.02% of the issued share capital.

Letter from: Secure Trust Banking Group plc