Financial highlights for the third quarter of 2023:
- Net income of $48.7 million, or $0.99 per share, and core
net income1 of $57.0 million, or $1.16 per share
- Return on average common equity of 20.6% and core return on
average tangible common equity1 of 26.1%
- Net interest margin of 2.76%, cost of deposits of
1.52%
- Board declares dividend for the quarter ended September 30,
2023 of $0.44 per share
The Bank of N.T. Butterfield & Son Limited ("Butterfield" or
the "Bank") (BSX: NTB.BH; NYSE: NTB) today announced financial
results for the quarter ended September 30, 2023.
Net income for the third quarter of 2023 was $48.7 million, or
$0.99 per diluted common share, compared to net income of $61.0
million, or $1.22 per diluted common share, for the previous
quarter and $57.4 million, or $1.15 per diluted common share, for
the third quarter of 2022. Core net income1 for the third quarter
of 2023 was $57.0 million, or $1.16 per diluted common share,
compared to $57.0 million, or $1.14 per diluted common share, for
the previous quarter and $57.6 million, or $1.16 per diluted common
share, for the third quarter of 2022.
The return on average common equity for the third quarter of
2023 was 20.6% compared to 25.9% for the previous quarter and 28.5%
for the third quarter of 2022. The core return on average tangible
common equity1 for the third quarter of 2023 was 26.1%, compared to
26.3% for the previous quarter and 31.6% for the third quarter of
2022. The efficiency ratio for the third quarter of 2023 was 64.1%,
compared to 57.6% for the previous quarter and 57.1% for the third
quarter of 2022. The core efficiency ratio1 for the third quarter
of 2023 was 58.3% compared with 57.6% in the previous quarter and
57.0% for the third quarter of 2022.
Michael Collins, Butterfield's Chairman and Chief Executive
Officer, commented, “The Bank continues to produce earnings and a
return on equity that reflect its overall financial strength and
operational effectiveness. Our strong results demonstrate the
continued focus on low risk density asset classes, while delivering
consistent non-interest income and controlling expenses. As
higher-for-longer interest rates have developed as the most likely
scenario in the near term, competition for deposits has increased
across our island jurisdictions, particularly in the Channel
Islands. We continue to work closely with clients on both the loan
and deposit product sets to ensure their financial services needs
are met and that each relationship is appropriately managed.
"Reducing compensation-related expense is one of the key levers
available to us as we navigate the current interest rate cycle,
increasing competition, and inflation. In the third quarter, we
made the difficult decision to initiate a group-wide restructuring
program, which will reduce Butterfield’s global workforce by 9% in
several phases. We expect annual cost savings of approximately $13
million once the restructuring is fully implemented in the first
half of 2024, and we will continue to operate across all of our
jurisdictions without changes to our products and services. Our
efforts remain focused on navigating the various economic cycles
for the success of the Bank and for the long-term benefit of all
stakeholders.”
Net income was down in the third quarter of 2023 versus the
prior quarter primarily due to $8.2 million of non-core costs
associated with the group-wide restructuring program that was
implemented in the quarter and resulted in the recognition of
redundancy expenses. Core net income1 was flat compared to the
prior quarter as lower net interest income comprised of increasing
interest income offset by higher interest-bearing deposit costs,
and increased core expenses, were moderated by higher non-interest
income and a lower provision for credit losses.
Net interest income (“NII”) for the third quarter of 2023 was
$90.2 million, a decrease of $2.3 million, compared with NII of
$92.5 million in the previous quarter and down $1.0 million from
$91.2 million in the third quarter of 2022. NII decreased during
the third quarter of 2023 compared to the prior quarter, primarily
due to increased interest-bearing deposit costs in all three
banking jurisdictions, partially offset by increased loan and
treasury margins and lower subordinated debt interest payments
following the redemption of the Bank's $75 million 2018 series
subordinated debt in the second quarter of 2023. Compared to the
third quarter of 2022, NII was down due to a decrease in the size
of the Bank's balance sheet following post-Covid normalization,
which offset improved net asset margins.
Net interest margin (“NIM”) for the third quarter of 2023 was
2.76%, a decrease of 7 basis points from 2.83% in the previous
quarter and up 17 basis points from 2.59% in the third quarter of
2022. NIM in the third quarter of 2023 was lower than the prior
quarter due to increased deposit costs, which were partially offset
by higher loan yields and treasury margins. Compared to the third
quarter of 2022, NIM improved primarily due to higher yields on
treasury assets and loans, partially offset by increased deposit
costs.
Non-interest income for the third quarter of 2023 of $52.0
million, an increase of $1.8 million against the previous quarter
of $50.2 million and $2.1 million higher than $49.9 million in the
third quarter of 2022. Non-interest income for the third quarter of
2023 increased compared to the prior quarter due to higher banking
income that benefited from increased card volumes in Bermuda and
Cayman, as well as loan pre-payment fees. Trust fees also increased
in the third quarter of 2023 following the onboarding of new
clients from the previously announced acquisition of Credit Suisse
trust assets. Non-interest income in the third quarter of 2023 was
higher than the third quarter of 2022 primarily due to increased
trust income mostly attributable to new clients, including organic
growth, and additional activity-based fees.
Non-interest expenses were $92.5 million in the third quarter of
2023, compared to $83.5 million in the previous quarter and $82.0
million in the third quarter of 2022. Core non-interest expenses1
of $84.3 million in the third quarter of 2023 were higher than the
$83.6 million incurred in the previous quarter, primarily due to
higher staff-related expenses as well as higher technology and
communications costs related to the Bank's upgraded core banking
system in Bermuda. Core non-interest expenses1 in the third quarter
of 2023 were higher than the $81.8 million incurred in the third
quarter of 2022 due to inflationary increases in salaries and
benefits, as well as the increased technology and communications
costs associated with the core banking system and IT infrastructure
investments.
Period end deposit balances were $11.9 billion, a decrease of
8.7% compared to $13.0 billion at December 31, 2022, primarily due
to deposit movements in the Channel Islands and UK, and Cayman
Islands segments as customers activated their funds and sought
higher yielding products. Average deposits were $12.1 billion in
the quarter ended September 30, 2023, compared to $12.2 billion in
the second quarter of 2023.
The Bank maintained its balanced capital return policy. The
Board again declared a quarterly dividend of $0.44 per common share
to be paid on November 22, 2023 to shareholders of record on
November 8, 2023. During the third quarter of 2023, Butterfield
repurchased 1.1 million common shares under the Bank's share
repurchase plan.
The current total regulatory capital ratio as at September 30,
2023 was 25.8% as calculated under Basel III, compared to 24.1% as
at December 31, 2022. Both of these ratios remain significantly
above the minimum Basel III regulatory requirements applicable to
the Bank.
(1) See table "Reconciliation of US GAAP Results to Core
Earnings" below for reconciliation of US GAAP results to non-GAAP
measures.
ANALYSIS AND DISCUSSION OF THIRD QUARTER RESULTS
Income statement
Three months ended
(Unaudited)
(in $ millions)
September 30, 2023
June 30, 2023
September 30, 2022
Non-interest income
52.0
50.2
49.9
Net interest income before provision for
credit losses
90.2
92.5
91.2
Total net revenue before provision for
credit losses and other gains (losses)
142.2
142.6
141.1
Provision for credit (losses)
recoveries
(0.5
)
(1.5
)
(0.8
)
Total other gains (losses)
—
4.0
0.1
Total net revenue
141.7
145.1
140.4
Non-interest expenses
(92.5
)
(83.5
)
(82.0
)
Total net income before taxes
49.1
61.5
58.4
Income tax benefit (expense)
(0.4
)
(0.5
)
(0.9
)
Net income
48.7
61.0
57.4
Net earnings per share
Basic
1.00
1.23
1.16
Diluted
0.99
1.22
1.15
Per diluted share impact of other non-core
items 1
0.17
(0.08
)
0.01
Core earnings per share on a fully
diluted basis 1
1.16
1.14
1.16
Adjusted weighted average number of
participating shares on a fully diluted basis (in thousands of
shares)
49,140
49,890
49,847
Key financial ratios
Return on common equity
20.6
%
25.9
%
28.5
%
Core return on average tangible common
equity 1
26.1
%
26.3
%
31.6
%
Return on average assets
1.4
%
1.8
%
1.6
%
Net interest margin
2.76
%
2.83
%
2.59
%
Core efficiency ratio 1
58.3
%
57.6
%
57.0
%
(1) See table "Reconciliation of US GAAP Results to Core
Earnings" below for reconciliation of US GAAP results to non-GAAP
measures.
Balance Sheet
As at
(in $ millions)
September 30, 2023
December 31, 2022
Cash and cash equivalents
1,750
2,101
Securities purchased under agreements to
resell
154
60
Short-term investments
739
884
Investments in securities
5,319
5,727
Loans, net of allowance for credit
losses
4,750
5,096
Premises, equipment and computer software,
net
154
146
Goodwill and intangibles, net
71
74
Accrued interest and other assets
244
217
Total assets
13,180
14,306
Total deposits
11,861
12,991
Accrued interest and other liabilities
297
278
Long-term debt
98
172
Total liabilities
12,257
13,441
Common shareholders’ equity
923
865
Total shareholders' equity
923
865
Total liabilities and shareholders'
equity
13,180
14,306
Key Balance Sheet Ratios:
September 30, 2023
December 31, 2022
Common equity tier 1 capital ratio2
23.4
%
20.3
%
Tier 1 capital ratio2
23.4
%
20.3
%
Total capital ratio2
25.8
%
24.1
%
Leverage ratio2
7.8
%
6.7
%
Risk-Weighted Assets (in $ millions)
4,522
4,843
Risk-Weighted Assets / total assets
34.3
%
33.9
%
Tangible common equity ratio
6.5
%
5.6
%
Book value per common share (in $)
19.20
17.42
Tangible book value per share (in $)
17.73
15.92
Non-accrual loans/gross loans
1.2
%
1.2
%
Non-performing assets/total assets
0.8
%
0.5
%
Allowance for credit losses/total
loans
0.5
%
0.5
%
(2) In accordance with regulatory capital guidance, the Bank has
elected to make use of transitional arrangements which allow the
deferral of the January 1, 2020 Current Expected Credit Loss
("CECL") impact of $7.8 million on its regulatory capital over a
period of 5 years.
QUARTER ENDED SEPTEMBER 30, 2023 COMPARED WITH THE QUARTER
ENDED JUNE 30, 2023
Net Income
Net income for the quarter ended September 30, 2023 was $48.7
million, down $12.3 million from $61.0 million in the prior quarter
(see also discussion of non-core items below).
The $12.3 million change in net income in the quarter ended
September 30, 2023 compared to the previous quarter was due
principally to the following:
- $9.0 million increase in non-interest expenses, driven by
staff-related and indirect tax costs due to expenses associated
with the group-wide restructuring and higher technology and
communications costs as the core banking system upgrade in Bermuda
came into operation;
- $1.8 million increase in non-interest income primarily due to
higher banking fees as a result of increased card volumes and day
count and an increase in loan prepayment fees;
- $2.3 million decrease in net interest income before provision
for credit losses primarily due to increasing deposit costs
outpacing increases in yields on loans and treasury assets;
- $4.0 million decrease in total other gains (losses) due to a
gain realized on the liquidation settlement from a legacy
investment written-off in the previous quarter that did not recur
in the current quarter; and
- $1.0 million decrease in provision from credit losses as a
result of losses recognized on a small number of loan facilities in
Bermuda in the prior quarter and a decrease in loan balances.
Non-Core Items1
Non-core items resulted in expenses, net of gains, of $8.2
million in the third quarter of 2023. Non-core items for the
quarter relates mainly to the group-wide restructuring that
resulted in the recognition of redundancy expenses.
Management does not believe that comparative period expenses,
gains or losses identified as non-core are indicative of the
results of operations of the Bank in the ordinary course of
business.
(1) See table "Reconciliation of US GAAP
Results to Core Earnings" below for reconciliation of US GAAP
results to non-GAAP measures.
BALANCE SHEET COMMENTARY AT SEPTEMBER 30, 2023 COMPARED WITH
DECEMBER 31, 2022
Total Assets
Total assets of the Bank were $13.2 billion at September 30,
2023, a decrease of $1.1 billion from December 31, 2022. The Bank
maintained a highly liquid position at September 30, 2023, with
$8.0 billion of cash, bank deposits, reverse repurchase agreements
and liquid investments representing 60.4% of total assets, compared
with 61.3% at December 31, 2022.
Loans Receivable
The loan portfolio totaled $4.7 billion at September 30, 2023,
which was $0.3 billion lower than December 31, 2022 balances. The
decrease was driven primarily by scheduled paydowns in the
portfolio as well as prepayments in the Channel Islands and UK
residential mortgage portfolio.
The allowance for credit losses at September 30, 2023 totaled
$26.0 million, an increase of $1.1 million from $25.0 million at
December 31, 2022. The movement was driven by an increase in credit
card provisions, specific provisions on a small number of loan
facilities in Bermuda and updated forward-looking economic
forecasts. This was partially offset by net paydowns.
The loan portfolio represented 36.0% of total assets at
September 30, 2023 (December 31, 2022: 35.6%), while loans as a
percentage of total deposits was 40.0% at September 30, 2023
(December 31, 2022: 39.2%). The increase in both ratios was
attributable principally to a decrease in deposit balances at
September 30, 2023.
As of September 30, 2023, the Bank had gross non-accrual loans
of $59.4 million, representing 1.2% of total gross loans, a
decrease of $3.7 million from $63.1 million, or 1.2% of total
loans, at December 31, 2022. The decrease in non-accrual loans was
driven by the settlement of a residential mortgage in the Channel
Islands and UK segment and partially offset by a number of net new
Bermuda residential mortgages.
Other real estate owned (“OREO”) remained stable compared to
December 31, 2022 at $0.8 million.
Investment in Securities
The investment portfolio was $5.3 billion at September 30, 2023,
which was $0.4 billion lower versus December 31, 2022 balances. The
changes were attributable to paydowns and maturities in the
portfolio, the majority of which were invested into short-term
treasury assets.
The investment portfolio is made up of high quality assets with
100% invested in A-or-better-rated securities. The investment book
yield was 2.06% during the quarter ended September 30, 2023 versus
2.07% during the previous quarter. Total net unrealized losses on
the available-for-sale portfolio increased to $238.0 million,
compared with total net unrealized losses of $220.2 million at
December 31, 2022, as a result of an increase in long-term US
dollar interest rates.
Deposits
Average total deposit balances were $12.1 billion for the
quarter ended September 30, 2023, a decrease of $0.1 billion
compared to the previous quarter, while period end balances as at
September 30, 2023 were $11.9 billion, a decrease of $1.1 billion
compared to December 31, 2022, as customers activated their funds
and also sought higher yielding financial investments.
Average Balance Sheet2
For the three months ended
September 30, 2023
June 30, 2023
September 30, 2022
(in $ millions)
Average balance ($)
Interest ($)
Average rate (%)
Average balance ($)
Interest ($)
Average rate (%)
Average balance ($)
Interest ($)
Average rate (%)
Assets
Cash and cash equivalents and short-term
investments
2,559.2
28.8
4.47
2,488.2
25.2
4.06
2,818.4
10.0
1.40
Investment in securities
5,494.9
28.5
2.06
5,614.7
28.9
2.07
6,007.3
29.4
1.94
Available-for-sale
1,926.0
8.8
1.81
1,970.7
8.8
1.78
2,140.1
8.5
1.58
Held-to-maturity
3,568.9
19.7
2.19
3,644.0
20.2
2.22
3,867.3
20.9
2.14
Loans
4,897.5
80.4
6.51
4,984.1
79.8
6.42
5,123.1
65.3
5.05
Commercial
1,394.9
23.2
6.60
1,396.7
23.0
6.59
1,523.3
20.8
5.41
Consumer
3,502.6
57.2
6.47
3,587.4
56.8
6.35
3,599.8
44.5
4.90
Interest earning assets
12,951.6
137.7
4.22
13,087.0
133.9
4.10
13,948.9
104.6
2.98
Other assets
416.7
402.0
369.1
Total assets
13,368.3
13,489.0
14,317.9
Liabilities
Deposits - interest bearing
9,340.4
(46.1
)
(1.96
)
9,308.0
(38.5
)
(1.66
)
9,939.5
(11.1
)
(0.44
)
Securities sold under agreement to
repurchase
—
—
—
0.4
—
(5.45
)
—
—
—
Long-term debt
98.4
(1.4
)
(5.53
)
147.4
(2.9
)
(8.02
)
172.1
(2.4
)
(5.53
)
Interest bearing liabilities
9,438.8
(47.5
)
(2.00
)
9,455.8
(41.4
)
(1.76
)
10,111.7
(13.5
)
(0.53
)
Non-interest bearing current accounts
2,739.3
2,863.2
3,074.6
Other liabilities
279.3
243.6
256.2
Total liabilities
12,457.4
12,562.6
13,442.4
Shareholders’ equity
910.9
926.4
875.5
Total liabilities and shareholders’
equity
13,368.3
13,489.0
14,317.9
Non-interest bearing funds net of
non-interest earning assets (free balance)
3,512.8
3,631.2
3,837.2
Net interest margin
90.2
2.76
92.5
2.83
91.2
2.59
(2) Averages are based upon a daily
averages for the periods indicated.
Assets Under Administration and Assets Under
Management
Total assets under administration for the trust and custody
businesses were $129.5 billion and $29.0 billion, respectively, at
September 30, 2023, while assets under management were $5.2 billion
at September 30, 2023. This compares with $106.2 billion, $32.2
billion and $5.0 billion, respectively, at December 31, 2022.
Reconciliation of US GAAP Results to Core Earnings
The table below shows the reconciliation of net income in
accordance with US GAAP to core earnings, a non-GAAP measure, which
excludes certain significant items that are included in our US GAAP
results of operations. We focus on core net income, which we
calculate by adjusting net income to exclude certain income or
expense items that are not representative of our business
operations, or “non-core”. Core net income includes revenue, gains,
losses and expense items incurred in the normal course of business.
We believe that expressing earnings and certain other financial
measures excluding these non-core items provides a meaningful base
for period-to-period comparisons, which management believes will
assist investors in analyzing the operating results of the Bank and
predicting future performance. We believe that presentation of
these non-GAAP financial measures will permit investors to assess
the performance of the Bank on the same basis as management.
Core Earnings
Three months ended
(in $ millions except per share
amounts)
September 30, 2023
June 30, 2023
September 30, 2022
Net income
48.7
61.0
57.4
Non-core items
Non-core (gains) losses
Liquidation settlement from an investment
previously written-off
—
(4.0
)
—
Total non-core (gains) losses
—
(4.0
)
—
Non-core expenses
Early retirement program, voluntary
separation, redundancies and other non-core compensation costs
8.2
—
—
Tax compliance review costs
—
—
0.2
Total non-core expenses
8.2
—
0.2
Total non-core items
8.2
(4.0
)
0.2
Core net income
57.0
57.0
57.6
Average common equity
940.2
943.3
799.0
Less: average goodwill and intangible
assets
(72.9
)
(74.0
)
(75.1
)
Average tangible common equity
867.2
869.3
723.9
Core earnings per share fully
diluted
1.16
1.14
1.16
Return on common equity
20.6
%
25.9
%
28.5
%
Core return on average tangible common
equity
26.1
%
26.3
%
31.6
%
Shareholders' equity
922.9
950.3
754.9
Less: goodwill and intangible assets
(70.6
)
(74.0
)
(71.9
)
Tangible common equity
852.3
876.3
683.0
Basic participating shares outstanding (in
millions)
48.1
49.1
49.6
Tangible book value per common
share
17.73
17.83
13.76
Non-interest expenses
92.5
83.5
82.0
Less: non-core expenses
(8.2
)
—
(0.2
)
Less: amortization of intangibles
(1.4
)
(1.4
)
(1.4
)
Core non-interest expenses before
amortization of intangibles
82.9
82.1
80.4
Core revenue before other gains and losses
and provision for credit losses
142.2
142.6
141.1
Core efficiency ratio
58.3
%
57.6
%
57.0
%
Conference Call Information:
Butterfield will host a conference call to discuss the Bank’s
results on Wednesday, October 25, 2023 at 10:00 a.m. Eastern Time.
Callers may access the conference call by dialing +1 (844) 855-9501
(toll-free) or +1 (412) 858-4603 (international) ten minutes prior
to the start of the call and referencing the Conference ID:
Butterfield Group. A live webcast of the conference call, including
a slide presentation, will be available in the investor relations
section of Butterfield’s website at www.butterfieldgroup.com. A
replay of the call will be archived on the Butterfield website for
12 months.
About Non-GAAP Financial Measures:
Certain statements in this release involve the use of non-GAAP
financial measures. We believe such measures provide useful
information to investors that is supplementary to our financial
condition, results of operations and cash flows computed in
accordance with US GAAP; however, our non-GAAP financial measures
have a number of limitations. As such, investors should not view
these disclosures as a substitute for results determined in
accordance with US GAAP, and they are not necessarily comparable to
non-GAAP financial measures that other companies use. See
"Reconciliation of US GAAP Results to Core Earnings" for additional
information.
Forward-Looking Statements:
Certain of the statements made in this release are
forward-looking statements within the meaning of the U.S. Private
Securities Litigation Reform Act of 1995. Forward-looking
statements include statements with respect to our beliefs, plans,
objectives, goals, expectations, anticipations, assumptions
estimates, intentions, and future performance, including, without
limitation, our intention to make share repurchases and our
dividend payout target, and involve known and unknown risks,
uncertainties and other factors, which may be beyond our control,
and which may cause the actual results, performance, capital,
ownership or achievements of Butterfield to be materially different
from future results, performance or achievements expressed or
implied by such forward-looking statements due to a variety of
factors, including worldwide economic conditions (including
economic growth and general business conditions) and fluctuations
of interest rates, inflation, a decline in Bermuda’s sovereign
credit rating, the successful completion and integration of
acquisitions (including our progress on subsequent closings of the
acquisition of trust assets from Credit Suisse) or the realization
of the anticipated benefits of such acquisitions in the expected
time-frames or at all, success in business retention (including the
retention of relationships associated with our Credit Suisse
acquisition) and obtaining new business, the impact of the COVID-19
pandemic, the success of our updated systems and platforms and
other factors. Forward-looking statements can be identified by
words such as "anticipate," "assume," "believe," "estimate,"
"expect," "indicate," "intend," "may," "plan," "point to,"
"predict," "project," "seek," "target," "potential," "will,"
"would," "could," "should," "continue," "contemplate" and other
similar expressions, although not all forward-looking statements
contain these identifying words. All statements other than
statements of historical fact are statements that could be
forward-looking statements.
All forward-looking statements in this disclosure are expressly
qualified in their entirety by this cautionary notice, including,
without limitation, those risks and uncertainties described in our
SEC reports and filings, including under the caption "Risk Factors"
in our most recent Form 20-F. Such reports are available upon
request from Butterfield, or from the Securities and Exchange
Commission ("SEC"), including through the SEC’s website at
https://www.sec.gov. Any forward-looking statements made by
Butterfield are current views as at the date they are made. Except
as otherwise required by law, Butterfield assumes no obligation and
does not undertake to review, update, revise or correct any of the
forward-looking statements included in this disclosure, whether as
a result of new information, future events or other developments.
You are cautioned not to place undue reliance on the
forward-looking statements made by Butterfield in this disclosure.
Comparisons of results for current and any prior periods are not
intended to express any future trends or indications of future
performance, and should only be viewed as historical data.
About Butterfield:
Butterfield is a full-service bank and wealth manager
headquartered in Hamilton, Bermuda, providing services to clients
from Bermuda, the Cayman Islands, Guernsey and Jersey, where our
principal banking operations are located, and The Bahamas,
Switzerland, Singapore and the United Kingdom, where we offer
specialized financial services. Banking services comprise deposit,
cash management and lending solutions for individual, business and
institutional clients. Wealth management services are composed of
trust, private banking, asset management and custody. In Bermuda,
the Cayman Islands and Guernsey, we offer both banking and wealth
management. In The Bahamas, Singapore and Switzerland, we offer
select wealth management services. In the UK, we offer residential
property lending. In Jersey, we offer select banking and wealth
management services. Butterfield is publicly traded on the New York
Stock Exchange (symbol: NTB) and the Bermuda Stock Exchange
(symbol: NTB.BH). Further details on the Butterfield Group can be
obtained from our website at: www.butterfieldgroup.com.
BF-All
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version on businesswire.com: https://www.businesswire.com/news/home/20231024587458/en/
Investor Relations Contact: Noah Fields Investor
Relations The Bank of N.T. Butterfield & Son Limited Phone:
(441) 299 3816 E-mail: noah.fields@butterfieldgroup.com Media
Relations Contact: Nicky Stevens Group Strategic Marketing
& Communications The Bank of N.T. Butterfield & Son Limited
Phone: (441) 299 1624 Cellular: (441) 524 4106 E-mail:
nicky.stevens@butterfieldgroup.com
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