Scotiabank and Trust (Cayman) Ltd. wishes to advise that due to the announcement by the Federal Reserve to decrease the federal fund rate by 0.25% on September 17, 2025, the following changes will occur:

• USD Prime Rates increase from 7.50% to 7.25%, effective September 19, 2025 
• KYD Prime Rate increase from 7.50% to 7.25%, effective September 19, 2025 

All products linked to USD and KYD Prime rates will be adjusted on the effective date indicated.