Selected Company Credit Ratings: Fitch as at January 2007; Moody's as at 18 August 2008; Standard & Poor's as at 21 August 2007.

	Fitch			Moody's			Standard & Poor's
	Short Term	Long Term Senior	Outlook	Short Term	Long Term Senior	Outlook	Short Term	Long Term Senior	Outlook
The Bank of N.T. Butterfield & Son Limited	F1	A	Stable	P1	Aa3	Stable	A2	A-	Positive
Butterfield Bank (UK) Limited	F1	A-	Stable	NR	NR	NR	NR	NR	NR

NR: Not Rated

Note:
The materials that may be accessed under "Financial Information" speak only as of the particular date or dates indicated in those documents. The information in those documents may have become out of date. Butterfield Bank does not undertake any obligation to update any of the information in those documents. Butterfield Bank's financial performance is subject to risks and uncertainties. Actual results may differ materially from those included in these statements due to a variety of factors, including worldwide economic conditions, success in business retention and obtaining new business and other factors.