FOR IMMEDIATE RELEASE

PRESS RELEASE

JUNE 19, 2026

SYGNUS MARKS 10TH ANNIVERSARY WITH LAUNCH OF FOUNDATION AND J$16M INVESTMENT IN BARBARY HALL PRIMARY AND INFANT SCHOOL

DONATION SUPPORTS CRITICAL REPAIRS AND LONG-TERM RECOVERY EFFORTS FOLLOWING HURRICANE MELISSA

 

(St. Elizabeth, Jamaica) – Marking a major milestone in its 10th anniversary year, Sygnus officially launched the Sygnus Foundation while commemorating the completion of a J$16 million roof restoration project at Barbary Hall Primary and Infant School in St. Elizabeth, reinforcing the company’s commitment to supporting Jamaica’s recovery and resilience following Hurricane Melissa.

The milestone was commemorated during a special plaque handover ceremony attended by Berisford Grey, President and CEO of Sygnus; The Honourable Floyd Green, Minister of Agriculture, Fisheries and Mining and Member of Parliament for St. Elizabeth South Western; Elizabeth James, Vice President and Head of Wealth and Client Strategy at Sygnus; and Danielle Drummond, Donor Projects Coordinator at the National Education Trust (NET) and members of the Sygnus team. The investment funded the restoration of the school’s roof, helping to create a safer and more secure environment for teaching and learning. The completed works have enabled students to return to their classrooms for the first time since Hurricane Melissa impacted the institution in October 2025.

As part of the day’s activities, Sygnus team members also helped to repaint the school’s playground, bringing new colour and life back into a space. The repainting formed part of the wider effort to refresh and restore the school environment.

The project represents the latest phase of Sygnus’ Hurricane Rebuild Initiative, launched in the aftermath of Hurricane Melissa in October 2025. With support from several local, regional and international partners, including significant contributions from Bahamas Striping Company and CrossBoundary, the initiative was designed to move beyond emergency relief and invest in the long-term recovery of communities impacted by the storm.

Berisford Grey, President and CEO of Sygnus, said the launch of the Foundation reflects the company’s desire to create sustainable impact beyond its business operations. “As we celebrate 10 years of Sygnus, we are proud to formally launch the Sygnus Foundation, an initiative that reflects the values that have guided our journey from the beginning: partnership, purpose and nation-building. Following Hurricane Melissa, we committed not only to helping communities recover, but to supporting their long-term rebuilding and resilience. Today, as we stand at Barbary Hall Primary and Infant School and see students once again learning in restored classrooms, we are witnessing the fulfilment of that promise. This marks not just a milestone for Sygnus, but the beginning of a deeper and more structured approach to social impact across Jamaica.”

The launch of the Foundation comes during Sygnus’ 10th anniversary month and signals a strategic expansion of the company’s corporate social responsibility efforts through a dedicated platform focused on creating meaningful and lasting change in communities across Jamaica.

Minister Green commended the partnership and the focus on rebuilding educational infrastructure. “Firstly, let me commend Sygnus. I want to thank the company for their strong corporate social responsibility and for stepping forward at such a critical time to help our communities and to help our children,” Minister Green continued. “I can’t think of a better way to mark 10 years of innovation, 10 years of creativity and 10 years of growth than to contribute to a fine educational institution like Barbary Hall. I think this is a brilliant way to start the work of your foundation. It already signals what you are about: driving development, driving growth, helping rural communities to do well, and also stepping forward in times of crisis, to ensure that the government, community and private sector can work together to shorten the time that we take to recover from these disastrous affairs. Schools are the heartbeat of rural communities, and the outcomes of our children are really based on the strength of the educational institution. Barbary Hall has trained some of the best and brightest across the world. So you are allowing some of the best and brightest to flourish.”

Acting Principal Mariann Chambers-Smith welcomed the support, noting that the investment will have a transformative impact on the school and its students. “It is with deep gratitude and a sense of renewed hope that we, the Barbary Hall Primary and Infant School, extend heartfelt thanks to the Sygnus Foundation for their generous support in re-roofing our primary department. Of course, our children this week were privileged to go into their classrooms for the first time after Hurricane Melissa. Because of your support and partnership, our students and teachers now have a place of safety and security, and teaching and learning can continue. You have not only repaired our roof, but you have also helped us to rebuild our confidence and a sense of stability within our school community. Your contribution will have a lasting impact on this institution.”

The Barbary Hall Primary and Infant School project forms part of the broader vision of the Sygnus Foundation, which will focus on initiatives that strengthen communities, expand opportunities and contribute to sustainable development across the region.

As Sygnus enters its second decade of growth, the Foundation’s launch serves as a tangible reflection of the company’s belief that long-term success is measured not only by financial performance but also by the positive impact created in the lives of people and communities.

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About Sygnus
Sygnus is a leading alternative investment firm in the Caribbean and Latin America, dedicated to driving economic development across the region through creative and innovative financing solutions. By offering a range of investment alternatives, including private credit, real estate financing, private equity and impact investing, Sygnus addresses unmet demands, unlocking capital for growing enterprises and playing a pivotal role in regional economic growth. The cutting-edge alternative investment (AI) platform is fueled by transformative strategies designed to accelerate development across the Caribbean and Latin America. This platform is backed by a team of forward-thinking experts who craft tailored solutions for our clients, complemented by dedicated investment banking and wealth management services. Sygnus also provides specialised services in Puerto Rico through Sygnus Capital PR LLC, formerly known as Acrecent

 

FOR IMMEDIATE RELEASE

PRESS RELEASE

JUNE 11, 2026

 

IFC COMMITS UP TO US$15M TO SYGNUS-MANAGED CCRF DEBT SUB-FUND TO STRENGTHEN RESILIENCE, SUPPORT JOB CREATION ACROSS 13 CARIBBEAN COUNTRIES

 

(Kingston, Jamaica) – The International Finance Corporation (IFC), a member of the World Bank Group, will invest up to US$15 million in the Caribbean Community Resilience Fund (CCRF) Debt Sub-Fund, a regional investment vehicle managed by Sygnus and established in partnership with the CARICOM Development Fund (CDF). The investment, IFC’s first debt fund transaction in the Caribbean, is expected to expand access to financing for medium-sized enterprises while supporting resilience and sustainability projects, including critical infrastructure investments, that drive economic growth and job creation across the region.

Established to mobilize long-term capital for climate resilience and sustainable development, the CCRF platform is designed to address financing gaps that have historically constrained private sector growth throughout the Caribbean. Through the CCRF Debt Sub-Fund, financing will be deployed across 13 countries: Antigua and Barbuda, The Bahamas, Barbados, Belize, Dominica, Grenada, Guyana, Jamaica, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Suriname, and Trinidad and Tobago.

The Fund will focus on seven priority sectors critical to the region’s long-term development and resilience: energy, water, agriculture, housing, transportation, financial services, and information and communications technology. Investments will support businesses and projects that strengthen economic resilience, improve productivity, expand access to essential services and create sustainable employment opportunities across participating countries.

“Building a more resilient and sustainable Caribbean is central to Sygnus’ mission, and IFC’s investment represents a significant milestone for both the CCRF platform and the region,” said Berisford Grey, Co-Founder, President and CEO of Sygnus. “Through the CCRF Debt Sub-Fund, we are expanding access to long-term financing for medium-sized enterprises while supporting investments that strengthen critical sectors, unlock economic opportunity and contribute to job creation across Caribbean economies.”

Across the Caribbean, limited access to long-term financing continues to constrain business growth and private sector investment. Domestic credit in the region’s small states stands at just 32.8 per cent of GDP, while the estimated financing gap exceeds US$22 billion. The CCRF Debt Sub-Fund was developed to help bridge this gap by providing flexible capital solutions tailored to the needs of growing businesses and transformative development projects.

“This timely and pioneering investment highlights the critical role that flexible private capital can play in unlocking opportunities across the Caribbean,” said Elizabeth Martinez de Marcano, IFC Division Director for the Andean Countries and the Caribbean. “Innovative vehicles like the CCRF Debt Sub- Fund deliver customized financing solutions that enable medium-sized enterprises to operate effectively, expand, and generate employment.”

The Caribbean remains among the world’s most climate-vulnerable regions, facing recurring threats from hurricanes and other natural hazards that can reverse years of development gains. The impact of Hurricane Melissa in 2025 highlighted the urgent need for greater investment in resilient infrastructure, sustainable development and innovative financing solutions, as the Category 5 system caused significant damage and disruption across parts of the Caribbean, including Jamaica, The Bahamas and Dominica. Strengthening resilience through strategic investment is therefore critical to helping countries and businesses prepare for, withstand and recover from future shocks.

This initiative aligns with the World Bank Group’s Small States Strategy, which focuses on strengthening resilience, expanding economic opportunities and mobilizing private capital in small and vulnerable economies. It also supports broader regional efforts to advance sustainable development and build stronger, more resilient Caribbean economies.

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About Investment
IFC will invest up to US$15 million in the CCRF Debt Sub-Fund, which is targeting US$75 million, scalable to US$125 million. IFC’s investment comprises up to US$5 million in the senior tranche and up to US$10 million in the mezzanine tranche. The fund will allocate up to 70 per cent of the capital commitment to on-lending for medium-sized enterprises, with the remaining 30 per cent directed toward resilience and sustainability projects across the Caribbean.

About Sygnus
Sygnus is a leading alternative investment firm in the Caribbean and Latin America, dedicated to driving economic development across the region through creative and innovative financing solutions. By offering a range of investment alternatives, including private credit, real estate financing, private equity and impact investing, Sygnus addresses unmet demands, unlocking capital for growing enterprises and playing a pivotal role in regional economic growth. The cutting-edge alternative investment (AI) platform is fueled by transformative strategies designed to accelerate development across the Caribbean and Latin America. This platform is backed by a team of forward-thinking experts who craft tailored solutions for our clients, complemented by dedicated investment banking and wealth management services. Sygnus also provides specialised services in Puerto Rico through Sygnus Capital PR LLC, formerly known as Acrecent

About IFC
IFC, a member of the World Bank Group, is the largest global development institution focused on the private sector in emerging markets. We work in more than 100 countries, using our capital, expertise, and influence to create markets and opportunities in developing countries. In fiscal year 2025, IFC committed a record US$71.7 billion to private companies and financial institutions in developing countries, leveraging private sector solutions and mobilizing private capital to create a world free of poverty on a livable planet. For more information, visit www.ifc.org.

FOR IMMEDIATE RELEASE
PRESS RELEASE

MAY 21, 2026

PUERTO RICO PLATFORM DRIVES RECORD QUARTERLY PERFORMANCE FOR SCI

(Castries, St. Lucia) – Sygnus Credit Investment Limited’s (“SCI” or the “Group” or the “Company”) Puerto Rican subsidiary, Acrecent Financial LLC (“Acrecent or “AFL”), delivered record financial results for the nine-month and three-month periods ended March 31, 2026. AFL’s net profits for the nine-month period eclipsed its net profits for the entire prior financial year, supported by record quarterly net profits of US$3.37 million, up 127.2% from US$1.48 million in the corresponding period last year. Similarly, SCI reported record quarterly net profits of US$2.20 million for the three months ended March 31, 2026, an increase of 19.7% from US$1.84 million last year, marking the Company’s strongest third quarter performance since inception. During the quarter, SCI also increased its ownership stake in Acrecent through an additional US$2.00 million investment. Following the quarter end, AFL declared another semi-annual interim dividend payment of US$948.7 thousand, bringing total dividends declared during the current financial year to US$2.13 million.

The Group reported total investment income of US$12.03 million and net investment income of US$7.84 million for the nine months ended March 31, 2026. The performance was supported by strong gains generated from the Puerto Rico Credit Fund (“PRCF”) investment income, which exceeded the corresponding period last year, despite the offsetting impact of the dividend distribution received from AFL during the period. This underscores the continued strength and scalability of the Group’s core Puerto Rico private credit business. In addition, SCI’s results for the period were influenced by certain one-time revenue items, which impacted the recognition and timing of interest income.

“The third quarter results reflect the resilience and growing scale of our regional private credit platform, highlighted by record profitability from our Puerto Rico operations and SCI’s strongest third-quarter performance since inception,” said Jason Morris, Co-Founder, Executive Vice President and Chief Investment Officer, Sygnus Capital. “Looking ahead, we remain focused on disciplined capital deployment across our origination pipeline, further expanding our regional footprint, and maintaining strong credit quality as we continue to grow the platform in a measured and sustainable way.”

SCI reaccelerated its capital deployment during the quarter, financing US$15.34 million in new investment commitments for the private credit portfolio, compared to US$10.25 million in the similar quarter last year. Total assets increased to US$242.83 million. In Puerto Rico, AFL

originated US$100.25 million and has deployed US$55.72 million during this financial year. Acrecent’s total assets surpassed the US$150.00 million mark, reflecting continued momentum in the expansion of the Group’s private credit platform across the Spanish-speaking Caribbean.

SCI further strengthened its funding base through several capital market initiatives, including the extension of its dual-currency preference shares to December 2028 at improved rates and the close of a US$27.00 million capital raise across JMD and USD tranches early in the third quarter.

During the quarter, an interim dividend of US$1.00 million or US$0.00172 per share was declared and subsequently paid on April 2, 2026. Total dividends paid to shareholders since the Company’s IPO in 2018 increased to US$18.70 million.

SCI remains focused on disciplined growth as it enters the final quarter of the financial year, supported by a strong pipeline of investment opportunities and continued demand for private credit solutions across its core markets. The company expects to maintain momentum in capital deployment while prioritising portfolio quality, prudent risk management, and balance sheet strength as it executes its regional growth strategy.

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About Sygnus

Sygnus is a leading alternative investment firm in the Caribbean and Latin America, dedicated to driving economic development across the region through creative and innovative financing solutions. By offering a range of investment alternatives, including private credit, real estate financing, private equity and impact investing, Sygnus addresses unmet demands, unlocking capital for growing enterprises and playing a pivotal role in regional economic growth. The cutting-edge alternative investment (AI) platform is fueled by transformative strategies designed to accelerate development across the Caribbean and Latin America. This platform is backed by a team of forward-thinking experts who craft tailored solutions for our clients, complemented by dedicated investment banking and wealth management services. Sygnus also provides specialised services in Puerto Rico through Sygnus Capital PR LLC, formerly known as Acrecent Financial. As of December 2023, the company expanded its offerings, reaffirming its commitment to delivering innovative and personalised financing solutions that foster the island’s economic growth.

FOR IMMEDIATE RELEASE

PRESS RELEASE

March 31, 2026

SYGNUS CAPITAL RETURNS WITH BUSINESS AT BREAKFAST SUMMIT, DRIVING URGENT CALL TO MOBILISE CAPITAL FOR CLIMATE RESILIENCE IN THE CARIBBEAN

(Kingston, Jamaica) – Sygnus Capital marked the return of its Business at Breakfast Summit on Wednesday, March 25, 2026, reaffirming its position as a leading catalyst for sustainable investment in the Caribbean. Held under the theme “Building Resilience: Mobilising Capital for a Sustainable Caribbean”, the summit convened leaders from government, finance, and industry to explore how strategic capital deployment can address climate risk, infrastructure gaps, and long-term economic resilience across the region.

The summit brought together leading voices shaping the region’s sustainable investment landscape: Matthew Samuda, Minister of Water, Environment and Climate Change; Gerardo Aguilar, Head of Climate and Energy at Sygnus USA; and Emanuel DaRosa, Founder and CEO of SunTerra Energy. Moderated by James Connor, Sygnus Capital Puerto Rico CEO, the discussion examined renewable energy expansion, climate-smart infrastructure, and the policy and investment frameworks required to scale sustainable development across the Caribbean.

Aguilar provided a global and regional perspective on climate investment dynamics, noting, “The Caribbean contributes just 1% of global CO2 emissions, yet it is on the frontline of climate impacts. Across the region, investors continue to face common challenges, including fragmented markets, limited scale, and geopolitical risk. However, the opportunity lies in structuring the right financial and legal frameworks to allow capital to flow efficiently into the Caribbean, leveraging science, technology, and proven models from other markets. By addressing these barriers, the region can unlock significant investment in sectors such as energy, water, and climate-resilient infrastructure.”

During the discussion, panellists also explored in detail how capital can be mobilised and deployed more effectively across priority sectors. Key themes included the urgent need for development capital to transform early-stage ideas into bankable projects, as well as the importance of aligning policy, execution timelines, and risk-return expectations. Additionally, discussions highlighted opportunities in renewable energy, particularly the transition from intermittent to dispatchable power through battery storage, alongside major investment potential in water infrastructure, climate-smart agriculture, and the blue economy. Panellists emphasised that while global capital exists, unlocking it requires stronger project preparation, regulatory clarity, and execution capacity across the region.

Minister Samuda underscored the Government’s data-driven and policy-backed approach to resilience, stating: “One of the pillars is closing the science and technology nexus with policy. We are engaging best-in-class scientific study and technology to ensure our resilience design meets the challenges we face. It is an interesting time where climatic, geopolitical and political risks – three unique risks – are in many ways colliding at the same time. For us, the focus is on analysing our risk profile using best-in-class science and technology, and the process we have used is anchored in a system we call the Jamaica Systemic Risk Assessment Tool, which is the first of its kind in the developing world. He further pointed to a growing pipeline of bankable national projects. “In the Jamaican context, the climate risk has created opportunities for resilience building across energy, infrastructure, water and climate-smart agriculture, and virtually every sector of the economy. We will go to market with a billion to a billion-point-three worth of projects over the next 16 to 18 months, so you do have bankable, ready, acceptable projects that we’ve developed, with significant opportunities for investment in public infrastructure, including roads, rail, logistics and housing.”

The summit also highlighted the role of innovative financing mechanisms in accelerating investment. Blended finance emerged as a critical tool to de-risk projects and crowd in private capital, while the Caribbean Community Resilience Fund (CCRF) was referenced as a key regional initiative supporting investments in renewable energy, water security, agriculture, and coastal protection. The discussion reinforced that beyond financing, expertise, execution capacity, and strategic alignment are essential to translating opportunity into impact.

Closing the summit, Berisford Grey, President and CEO of Sygnus Capital, emphasised the importance of scale and collaboration in building resilience across the region. He noted: “Resilience is fundamentally about how economies absorb shocks, adapt, and recover with momentum, ideally stronger than before. For the Caribbean, that means investing in core sectors like infrastructure, climate, water, and food security at scale. The region requires significant capital, estimated at over US$100 billion over the next decade, but the opportunity is equally significant. Impact investing is now a US$1.5 trillion market and growing, and real capital is being deployed into resilience-focused sectors globally. Our challenge is to position the Caribbean to attract that capital by strengthening our track record and creating the right frameworks to de-risk investments. This cannot be done through small, incremental projects; we must think boldly, act at scale, and mobilise both regional and international capital to truly transform our economies.”

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About Sygnus

Sygnus is a leading alternative investment firm in the Caribbean and Latin America, dedicated to driving economic development across the region through creative and innovative financing solutions. By offering a range of investment alternatives, including private credit, real estate financing, private equity and impact investing, Sygnus addresses unmet demands, unlocking capital for growing enterprises and playing a pivotal role in regional economic growth. The cutting-edge alternative investment (AI) platform is fueled by transformative strategies designed to accelerate development across the Caribbean and Latin America. This platform is backed by a team of forward-thinking experts who craft tailored solutions for our clients, complemented by dedicated investment banking and wealth management services. Sygnus also provides specialised services in Puerto Rico through Sygnus Capital PR LLC, formerly known as Acrecent Financial. As of December 2023, the company expanded its offerings, reaffirming its commitment to delivering innovative and personalised financing solutions that foster the island’s economic growth.

FOR IMMEDIATE RELEASE

PRESS RELEASE

March 23, 2026

SYGNUS REAL ESTATE FINANCE GENERATES 17.5% AVERAGE RETURN ON EQUITY
SINCE INCEPTION, POSITIONS PORTFOLIO FOR NEXT GROWTH PHASE

(Kingston, Jamaica) – Sygnus Real Estate Finance (‘SRF’ or ‘the company’), during its March 18, 2026 AGM, reported a six-year average return of 17.5% on shareholders’ equity, underscoring the strength of its investment strategy, as the company shared its performance for the financial year ended August 31, 2025. During the meeting, the company also outlined key portfolio developments and strategic priorities that will guide its next phase of real estate investment and capital deployment.

Notably, SRF has generated positive net profit in each of its first six financial years, successfully navigating the challenges of the COVID-19 environment and subsequent global supply chain disruptions while continuing to execute on its investment strategy.
Since its launch in 2019, SRF has deployed more than J$18 billion into real estate investments across 28 assets, while generating J$4.18 billion in cumulative net profits and achieving a 1.81x residual value to paid-in capital. The company has also successfully completed thirteen investment exits, underscoring its disciplined approach to value creation across the investment
lifecycle.

SRF’s financial performance remained strong with net profit reaching J$787.01 million, supported by gains in investment properties and growth in joint venture investments. Total assets increased to J$17.04 billion, while shareholders’ equity grew to J$9.21 billion, reflecting the continued expansion of the company’s real estate portfolio.

For the financial year ended August 31, 2025, total investment income rose to J$1.61 billion, up 92.2% year-over-year, while net investment income increased to J$1.18 billion, up 132.1 per cent. Earnings per share grew to J$2.34, representing a 142.8 per cent increase, and book value per share rose to J$26.54.

“SRF was built to unlock value in real estate through disciplined capital deployment and strategic development projects,” said David Cummings, Vice President and Head of Real Estate and Project Finance at Sygnus Capital. “Over the past six years, we have built a diversified portfolio that includes commercial, industrial and hospitality opportunities, and we are now entering a new investment cycle that will see us advance major developments such as the Lakespen Industrial Park while continuing to recycle capital from mature assets.”

One of the company’s flagship projects is the Lakespen Industrial Park, a 55-acre development in St. Catherine that is expected to play a key role in SRF’s next growth phase. The project, which broke ground in December 2025, features 46.4 saleable acres, modern infrastructure including underground electrical distribution and engineered drainage systems, and strong connectivity to both Jamaica’s north and south coast highways.

In addition to Lakespen, SRF continues to progress other strategic assets, including Mammee Bay, a 14-acre beachfront property in St. Ann, and One Belmont, a commercial office tower in Kingston, where occupancy continues to increase as new tenants come on board. These developments form part of SRF’s broader strategy to increase income-generating assets while
unlocking development value.

SRF is now in its second investment lifecycle, which will focus on accelerating the execution of key developments, expanding income-generating assets, and unlocking value through more active capital recycling. Jason Morris, Executive Vice President and Chief Investment Officer at Sygnus, said the company remains focused on strengthening its investment pipeline while expanding opportunities across the region. “Looking ahead, our strategy is centred on deepening access to flexible capital, expanding our pipeline of real estate investment notes and co-development opportunities, and evaluating new investments both in Jamaica and across the Caribbean,”

Morris said. “At the same time, we remain disciplined about harvesting gains from completed projects and redeploying that capital into new opportunities that can drive long-term shareholder value.”

SRF’s performance and forward direction are closely tied to its broader strategy of disciplined capital deployment and value creation across market cycles. Berisford Grey, President and CEO of Sygnus, said: “The first investment cycle validated our strategy, we have built a high-quality portfolio, delivered consistent profitability, and created tangible value through assets like One Belmont. As we enter our second investment cycle, the focus is clear: accelerate execution, monetise key assets, and deploy capital with precision in areas such as logistics, commercial real estate and hospitality where we have strong conviction.”

As SRF prepares for its next investment cycle, the company is also evaluating over J$3 billion in potential real estate investments, including additional real estate investment notes and partnerships with developers across the region.

 

 

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About Sygnus

Sygnus is a leading alternative investment firm in the Caribbean and Latin America, dedicated to driving economic development across the region through creative and innovative financing solutions. By offering a range of investment alternatives, including private credit, real estate financing, private equity and impact investing, Sygnus addresses unmet demands, unlocking capital for growing enterprises and playing a pivotal role in regional economic growth. The cutting-edge alternative investment (AI) platform is fueled by transformative strategies designed to accelerate development across the Caribbean and Latin America. This platform is backed by a team of forward-thinking experts who craft tailored solutions for our clients, complemented by dedicated investment banking and wealth management services. Sygnus also provides specialised services in Puerto Rico through Sygnus Capital PR LLC, formerly known as Acrecent Financial. As of December 2023, the company expanded its offerings, reaffirming its commitment to delivering innovative and personalised financing solutions that foster the island’s economic growth.

FOR IMMEDIATE RELEASE

PRESS RELEASE

February 23, 2026

SYGNUS CREDIT INVESTMENTS’ PUERTO RICO OPERATIONS DELIVER RECORD RESULTS AND PAY FIRST DIVIDEND

(Castries, St. Lucia) – Sygnus Credit Investments Limited (‘SCI’ or ‘the Group’) reported financial results for the six months ended December 31, 2025, marked by accelerated portfolio deployment, balance sheet resilience following Hurricane Melissa, and strong contribution from its Puerto Rico operations, despite temporary earnings pressure during the period. Total assets increased by 4.7% to US$228.13 million, supported by a highly diversified portfolio spanning 131 investments throughout 18 industries and 8 territories across the combined private credit platform. This translated into record net interest income growth of 14.0% to US$4.70 million for the period. SCI received its first-ever dividend of US$1.12 million from its core Puerto Rico business, Acrecent Financial Limited (AFL), during the December 2025 quarter.
SCI reported a lower total investment income of US$8.05 million, net investment income of US$5.30 million, and net profits of US$2.65 million for the 6 months ended December 2025, despite the record performance of its Puerto Rico operations. Earnings per share reached 0.46 US cents, which was lower than the 0.88 US cents for the corresponding period last year. The results reflect timing differences in capital deployment, which are expected to normalise in the short term, and some “offsetting” against the Puerto Rico Credit Fund (PRCF) investment income related to the US$1.12 million dividend payment.

AFL delivered record total investment income and net profit for the quarter and the 6 months ended December 2025. Total investment income grew 39.9% to US$5.83 million for 6 months 2025 versus US$4.17 million for 6 months 2024, and increased 62.5% to US$3.31 million for Q2 Dec 2025, versus US$1.48 million for Q2 Dec 2024. Net profits increased to US$3.30 million for 6 months 2025, versus US$3.07 million for 6 months 2024, and US$1.82 million for Q2 2025 versus US$1.48 million for Q2 2024.

SCI approached the capital markets, raising more than US$19.00 million in capital from its banking partners, retiring J$1.2 billion (or US$7.50 million equivalent) of debt, and extending its publicly listed Class C and D cumulative redeemable preference shares in December 2025. The Group also expects an initial drawdown of its first international financing facility in the coming months.

Jason Morris, Co-Founder, Executive Vice President and Chief Investment Officer, Sygnus Capital, said, “This period reflects disciplined execution across our private credit platform. The acquisition of AFL continues to generate tangible results, evidenced by the first-ever dividend paid to SCI, which is expected to recur on a semi-annual basis. At the same time, the Jamaican business is prudently navigating within a more challenging economic environment following the impact of Hurricane Melissa. However, SCI remains well-positioned to support entrepreneurs and affected communities by providing flexible capital amidst the growing demand. This sentiment is reinforced by the continued support of our local and international banking partners, who remain committed to the Group’s business model. We are confident that our disciplined approach to investment and active portfolio management will continue to deliver sustainable, long-term value to our shareholders.”
SCI maintains strong credit ratings from the region’s premier credit rating agency, CariCRIS, with ratings of CariBBB- and jmBBB+ (positive outlook). The Group has demonstrated prudent stewardship of capital, reflected in a relatively low annualized realized loss rate of 0.2% on its capital deployed. In December 2025, SCI received a significant partial repayment on its sole non-performing Stage 3 asset and expects to achieve full recovery of its original investment during 2026.

For full details on the financial statements for the period ended 31 December 2025, including the Management Discussion and Analysis and recorded earnings call presentation, please visit sygnusgroup.com or jamstockex.com.

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About Sygnus

Sygnus is a leading alternative investment firm in the Caribbean and Latin America, dedicated to driving economic development across the region through creative and innovative financing solutions. By offering a range of investment alternatives, including private credit, real estate financing, private equity and impact investing, Sygnus addresses unmet demands, unlocking capital for growing enterprises and playing a pivotal role in regional economic growth. The cutting-edge alternative investment (AI) platform is fueled by transformative strategies designed to accelerate development across the Caribbean and Latin America. This platform is backed by a team of forward-thinking experts who craft tailored solutions for our clients, complemented by dedicated investment banking and wealth management services. Sygnus also provides specialised services in Puerto Rico through Sygnus Capital PR LLC, formerly known as Acrecent Financial. As of December 2023, the company expanded its offerings, reaffirming its commitment to delivering innovative and personalised financing solutions that foster the island’s economic growth.

FOR IMMEDIATE RELEASE

PRESS RELEASE

January 19, 2026

SYGNUS REAL ESTATE FINANCE BREAKS GROUND ON 55-ACRE LAKESPEN INDUSTRIAL PARK, GROWS INVESTMENT ASSETS TO J$16.77 BILLION

(Kingston, Jamaica) – Sygnus Real Estate Finance Limited (‘SRF’ or the ‘company’) broke ground on its 55-acre industrial asset dubbed the “Lakespen Industrial Park” on the 9th of December 2025, with an intention to commence construction in early 2026. The company also reported continued growth in its real estate investment portfolio and active execution of exits for the three months ended November 30, 2025. This performance reflects steady progress in SRF’s second investment life cycle and its deliberate strategy of investing in and developing real estate assets in Jamaica.

During the quarter, real estate investment assets increased by 21.2% year-on-year to J$16.77 billion, while SRF recorded J$43.89 million in exits. Shareholders’ equity increased to J$9.03 billion, compared with J$7.81 billion in the prior year. Book value per share increased to J$26.01, compared with J$23.93 in the prior year, underscoring continued value creation across the company’s Jamaica-based portfolio, which spans commercial, industrial, residential and hospitality assets.

For the quarter, total investment income was -J$23.19 million, compared with -J$125.65 million in the prior year, while net loss amounted to -J$182.31 million, compared with -J$235.69 million previously.

Commenting on the results, Jason Morris, Executive Vice President and Chief Investment Officer of Sygnus, said, “The quarter reflected continued execution across our real estate investment platform, with growth in invested assets and tangible progress on exits and monetisation. As we move through our second investment life cycle, we anticipate the development of our key strategic assets and disciplined investment exits to support long-term shareholder value and more regular dividend distributions.”

Exits during the quarter were driven by proceeds received from the partial exit of a third-party real estate investment note, supporting capital recycling and the continued execution of SRF’s investment strategy.

From an asset execution standpoint, SRF continued to advance several Jamaica-based developments aligned with its long-term investment thesis. The company held thegroundbreaking ceremony in December 2025 for its 55-acre Lakespen Industrial Park in St. Catherine, with construction targeted to commence in early 2026.

The Lakespen Industrial Park is being positioned as a high-quality industrial development, designed with a strong focus on durability, operational security, and infrastructure resilience. The project incorporates a 2.4-metre (8-foot) perimeter wall with anti-climb security spikes, complemented by a comprehensive surveillance camera system covering all common areas and a rapid-response armed security presence on site. Core infrastructure will include an underground electrical distribution network to support reliable operations and improved site aesthetics, along with a 70,000-gallon reserve water tank to ensure business continuity. These elements are intended to support a secure and fully serviced industrial park that caters to Jamaica’s expanding logistics and warehousing needs. The publicly listed company is on track to deliver the industrial lots by summer 2027. More information about the Lakespen project can be accessed at https://lakespenindustrialpark.com/.

Operational execution also progressed across the portfolio. Interior build-out works continued for select tenants at the One Belmont commercial office tower, which is now effectively 100% completed, with a third tenant occupancy expected in 2026. Value creation initiatives were also advanced at the Mammee Bay hospitality asset in St. Ann, alongside ongoing development activities for the Lakespen industrial asset in St. Catherine, where construction is targeted to commence in early 2026.

David Cummings, Vice President and Head of Real Estate and Project Finance at Sygnus, added. “The developments we are advancing are not only investment opportunities, but long-term assets that contribute to the country’s real estate development landscape. Through projects like One Belmont and Lakespen, we are deliberately deploying capital into developments that support business growth, job creation, and Jamaica’s broader development objectives. Though our real estate strategy is currently rooted in Jamaica, we are exploring multiple pipeline opportunities across the region.”

SRF remains focused on unlocking value across its real estate assets through disciplined investment execution, active asset management, and targeted exits to enhance long-term shareholder value.

For full details on SRF’s financial results, please click here. The full recording of the earnings call is available at www.youtube.com/watch?app=desktop&v=SwE3Irx5BQE.

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About Sygnus

Sygnus is a leading alternative investment firm in the Caribbean and Latin America, dedicated to driving economic development across the region through creative and innovative financing solutions. By offering a range of investment alternatives, including private credit, real estate financing, private equity and impact investing, Sygnus addresses unmet demands, unlocking capital for growing enterprises and playing a pivotal role in regional economic growth. The cutting-edge alternative investment (AI) platform is fueled by transformative strategies designed to accelerate development across the Caribbean and Latin America. This platform is backed by a team of forward-thinking experts who craft tailored solutions for our clients, complemented by dedicated investment banking and wealth management services. Sygnus also provides specialised services in Puerto Rico through Sygnus Capital PR LLC, formerly known as Acrecent Financial. As of December 2023, the company expanded its offerings, reaffirming its commitment to delivering innovative and personalised financing solutions that foster the island’s economic growth.

FOR IMMEDIATE RELEASE

PRESS RELEASE

December 29, 2025

SYGNUS MAKES SECOND CHRISTMAS DONATION TO BUSTAMANTE CHILDREN’S HOSPITAL IN PARTNERSHIP WITH KIWANIS CLUB OF CYBERCONNECT JAMAICA

(Kingston, Jamaica) – Sygnus has once again partnered with the Kiwanis Club of CyberConnect Jamaica to support its annual Christmas initiative at the Bustamante Hospital for Children, making a meaningful contribution of essential items and a cash donation to benefit children receiving care during the holiday season. The donation is part of Sygnus’ ongoing commitment to community engagement. By providing practical support and festive cheer, the initiative aims to bring comfort and encouragement to children and their families, especially as many continue to recover from the recent challenges brought by Hurricane Melissa.

Marking the second consecutive year of collaboration between Sygnus and the Kiwanis Club, the initiative saw the donation of gently used clothing and shoes, books, stationery, baby essentials, and toys. The items will directly benefit children in the Accident and Emergency Unit (A&E), Neonatal Intensive Care Unit (NICU), and Oncology wards, with more than 100 children expected to receive support. The A&E ward, in particular, was transformed into a Winter Wonderland, helping to create a festive and comforting environment for young patients during the holiday season.

The donation formed part of Sygnus’ Christmas Toys and Book Drive, where team members personally contributed items in support of the initiative, reinforcing the organisation’s people-led approach to community engagement.

Reflecting on the initiative and its impact, Anadeen Nembhard, Vice President and Head of People, Culture and Talent Management, said, “Christmas is a particularly meaningful time to support children who are receiving care in the hospital, and we are happy to be able to extend this kind of support through our continued partnership with the Kiwanis Club of CyberConnect Jamaica. This year, as families recover from the impact of Hurricane Melissa, we recognise the added challenges many are facing, and it is even more important to offer comfort and encouragement. At Sygnus, we believe in contributing in practical ways that make a real difference for children and families, especially during the holiday season. Being able to collaborate for another year and bring comfort, fun and edutainment to young patients is something our team is proud of.”

With a history of supporting the Bustamante Hospital for Children, the Kiwanis Club of CyberConnect Jamaica spearheaded the initiative, overseeing festive ward decorations and the allocation of donated gifts, ensuring children experienced joy and holiday cheer through its Christmas Cheer programme.

Tamara Dunbar, President of the Kiwanis Club of CyberConnect Jamaica, said, “Our Christmas signature project is about ensuring that children spending the holidays in the hospital feel celebrated and supported. As a Club dedicated to serving kids, this initiative is our way of wrapping them in love and joy, letting them know they are cherished and always remembered. Through partnerships like the one we share with Sygnus, we are able to transform hospital spaces into moments of celebration with festive décor and thoughtful gifts that bring smiles to young patients and their families, while reinforcing the message that the wider community cares deeply for them.”

The handover was further supported by Carbyne Capital Investments, which also partnered on the initiative by donating toys and appliances to enhance comfort within the wards. Speaking on the occasion was Martin Nesbeth, Co-Founder and CFO, Carbyne Capital, said, “At Carbyne, we believe that the holiday season is about more than gifts; it’s about creating moments of comfort and joy for those who need it most. Partnering with Sygnus and the Kiwanis Club of CyberConnect Jamaica allows us to bring a little extra warmth and happiness to the children at the Bustamante Hospital, reminding them and their families that they are cared for and not alone during this special time of year.”

The initiative comes at a time when many families continue to navigate challenges following Hurricane Melissa, underscoring the importance of community-led support during the holiday period. The Bustamante Hospital for Children is the only specialist children’s hospital in the English-speaking Caribbean, providing comprehensive paediatric care to patients from birth to 12 years old.

“We are deeply grateful for the generous support of the Kiwanis Club of CyberConnect Jamaica, Sygnus, and Carbyne. Donations like these do much more than brighten the hospital environment, they bring hope, comfort, and joy to our young patients and their families during what can often be a challenging time. Especially this year, as many families continue to recover from the impact of Hurricane Melissa, gestures of kindness such as this help to lift spirits, provide reassurance, and remind our children and their loved ones that they are not alone. Initiatives like these make a real and lasting difference in the lives of our patients, and we are heartened by the commitment of organisations and individuals who choose to invest in the well-being of our children,” said Michelle-Ann Richards-Dawson, Senior Medical Officer at the Bustamanate Hospital for Children.

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About Sygnus

Sygnus is a leading alternative investment firm in the Caribbean and Latin America, dedicated to driving economic development across the region through creative and innovative financing solutions. By offering a range of investment alternatives, including private credit, real estate financing, private equity and impact investing, Sygnus addresses unmet demands, unlocking capital for growing enterprises and playing a pivotal role in regional economic growth. The cutting-edge alternative investment (AI) platform is fueled by transformative strategies designed to accelerate development across the Caribbean and Latin America. This platform is backed by a team of forward-thinking experts who craft tailored solutions for our clients, complemented by dedicated investment banking and wealth management services. Sygnus also provides specialised services in Puerto Rico through Sygnus Capital PR LLC, formerly known as Acrecent Financial. As of December 2023, the company expanded its offerings, reaffirming its commitment to delivering innovative and personalised financing solutions that foster the island’s economic growth.

FOR IMMEDIATE RELEASE

PRESS RELEASE

December 9, 2025

SYGNUS BREAKS GROUND ON LAKESPEN INDUSTRIAL PARK, PROJECT SETS NEW STANDARD FOR RESILIENT DEVELOPMENT

PROJECT DRIVES JOBS, INVESTMENT, AND RECOVERY AFTER HURRICANE MELISSA

(Kingston, Jamaica) – Sygnus Real Estate Finance Limited (SRF) officially broke ground on its transformative 55-acre logistics and industrial development, Lakespen Industrial Park, on Tuesday, December 9, 2025. This development is set to accelerate economic growth and strengthen Jamaica’s infrastructure resilience following the passage of Hurricane Melissa. The groundbreaking comes shortly after SRF received regulatory sub-division approval, an important milestone for an investment that will help rebuild national capacity, stimulate job creation, and attract major international occupants.

Speaking at the groundbreaking, Vice President and Head of Real Estate and Project Finance, Sygnus Capital, David Cummings, shared, “SRF has as its mandate the provision of flexible capital to unlock the value of real estate across the region, while delivering risk-adjusted returns for our investors and shareholders. As a measure of our track record of success, we can highlight the more than J$18 billion in capital deployed since our inception in 2019. These results include the successful delivery of the 240,000 square foot One Belmont Class A commercial building on Belmont Road, as well as our industrial build-to-suit on Spanish Town Road. These projects demonstrate SRF’s ability to deliver game-changing developments that raise the standard of Jamaica’s built environment. With the Lakespen Industrial Park, we are pleased to bring another transformative development to the table, one that will support immediate employment, strengthen productivity, and help revolutionise Jamaica’s logistics landscape through thoughtful, resilient design.”

A Transformational Industrial Development
The Lakespen Industrial Park spans 55.4 acres, with 46.4 acres available for sale across 34 serviced lots ranging from 1 to 3 acres each. The development targets significant market demand, with an appetite for over 1 million square feet of logistics and warehouse space.

Prime Minister of Jamaica, Dr. The Most Honourable Andrew Holness, praised the project for its significance to national recovery and long-term growth. “We are indeed living in a time where climate is an important consideration for business decisions and economic activity. We are seeing climate events, particularly hurricanes, of greater intensity, greater frequency, and oftentimes overlapping. So, you need a government that appreciates this fact and can make policy to ensure that our country and our people are able to withstand this. The best way to describe this is resilience building. We give God thanks, that, though we were struck, we can stand here today and say that business continues. Sygnus is breaking ground on a 55-acre property to develop a logistics operation that will add value and dimension to Jamaica’s logistics aspirations. Companies like Sygnus will have a critical role to play in this reconstruction and redevelopment. I want to commend Sygnus, the developers, and their partners. We will rise again, we will rise stronger than before. We will build forward, and we will create the Jamaica that we are destined as a people to enjoy.” 

The Lakespen Industrial Park will be developed to world-class standards, with a strong emphasis on resilience and long-term reliability, a core design priority from the project’s inception. The Park will feature a 2.4-metre (8-foot) perimeter wall outfitted with anti-climb security spikes, complemented by an extensive network of surveillance cameras throughout all common areas. Security will be further strengthened by a rapid-response armed security team stationed on site. The development will include an underground electrical distribution system designed to improve reliability and aesthetics, along with a 70,000-gallon reserve water tank to support business continuity for buyers. Together, these features aim to deliver a modern, secure, and fully serviced industrial environment that meets growing demand in the logistics and warehousing sector. The project’s execution has advanced steadily, beginning with the signing of the Design-Build contract with China Harbour Engineering Company (CHEC) in December 2024. With the groundbreaking, the publicly listed company is on track to deliver the lots by summer 2027.

Minister of Industry, Investment and Commerce, Senator the Honourable Aubyn Hill, highlighted the significance of the investment. “Let us thank Sygnus Real Estate Finance for its vision to drive economic growth across the Caribbean. This commitment to financial and building innovation and the development of really modern commercial and living spaces in Jamaica is evident in projects like One Belmont, which is a fabulous building, Penwood, and now the Lakespen Industrial Park. The development represents a strategic investment in Jamaica’s industrial future. This project showcases the collaboration and drive of Jamaican companies, workers, and investors, showing that Jamaica is stable.”

Beyond its physical infrastructure, the industrial park will stimulate significant economic activity and job creation within the Lakespen and wider St. Catherine communities. The improved access and enhanced amenities of the development are expected to attract additional private investment, creating a ripple effect of growth for businesses seeking warehousing and logistics solutions. The project demonstrates how private capital can deliver widespread public benefit, strengthening Jamaica’s industrial ecosystem while supporting livelihoods and long-term community advancement.

Berisford Grey, President and CEO of Sygnus Capital, reflected on the broader impact of the Lakespen Industrial Park, noting how the project not only rebuilds infrastructure but also creates new opportunities for investment and job creation across Jamaica. “The Lakespen Industrial Park reflects Sygnus’ commitment to building resilient infrastructure and unlocking new engines of economic activity for Jamaica. With over US$20 million to be invested, this project is a powerful demonstration of how we are recalibrating the capacity of Jamaica’s logistics base to meet the demands of a modern, competitive economy. The strong market interest we’ve already received, the partnerships we’ve secured, and the world-class features we are delivering all speak to the confidence investors have in Jamaica’s logistics sector. This is a major step forward for Sygnus Real Estate Finance and for the country, and we are proud to play our part in accelerating national growth.”

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About Sygnus

Sygnus is a leading alternative investment firm in the Caribbean and Latin America, dedicated to driving economic development across the region through creative and innovative financing solutions. By offering a range of investment alternatives, including private credit, real estate financing, private equity and impact investing, Sygnus addresses unmet demands, unlocking capital for growing enterprises and playing a pivotal role in regional economic growth. The cutting-edge alternative investment (AI) platform is fueled by transformative strategies designed to accelerate development across the Caribbean and Latin America. This platform is backed by a team of forward-thinking experts who craft tailored solutions for our clients, complemented by dedicated investment banking and wealth management services. Sygnus also provides specialised services in Puerto Rico through Sygnus Capital PR LLC, formerly known as Acrecent Financial. As of December 2023, the company expanded its offerings, reaffirming its commitment to delivering innovative and personalised financing solutions that foster the island’s economic growth.

FOR IMMEDIATE RELEASE

PRESS RELEASE

NOVEMBER 25, 2025

SYGNUS MARKS FIFTH CONSECUTIVE YEAR OF BREAST CANCER SUPPORT: FUNDS TO ASSIST WITH NEW MAMMOGRAPHY MACHINE, SCREENINGS AND LIFESAVING ACCESS

(Kingston, Jamaica) Sygnus has once again reaffirmed its commitment to the fight against breast cancer with a donation to the Jamaica Cancer Society (JCS) and Jamaica Reach To Recovery (JR2R). This handover marks five consecutive years of partnership and purpose, empowering women and men across Jamaica with access to critical screenings, care, and emotional support.

Since the initiative’s inception, Sygnus’ consistent support has enabled hundreds to receive free or subsidised mammograms through the JCS, while also helping JR2R provide care packages, counselling, and survivor support services. This year’s donation will continue to fund these vital services, while also contributing toward the JCS’ new fundraising appeal for a state-of-the-art mammography machine. Acquisition of this machine will significantly strengthen early detection efforts, expanding access to lifesaving screenings for women across the island.

Damani Reid, Senior Manager of Investment Management, Sygnus, shared that this milestone represents more than a corporate gesture. “For us at Sygnus, this partnership is more than an annual gesture, it’s a shared commitment to hope, healing, and humanity. Each year, we see how these contributions help persons take control of their health, access lifesaving screenings, and find the strength to rebuild their lives. We are proud to walk alongside the Jamaica Cancer Society and Jamaica Reach to Recovery as partners in this fight, ensuring that awareness leads to action and that no one faces breast cancer alone.”
Executive Director Roshane Reid-Koomson welcomed Sygnus’ continued partnership,
highlighting the impact of their donation. “The Jamaica Cancer Society has launched a new appeal to fund a mammography machine, which will cost J$50 million. While this handover is symbolic, it is also incredibly practical for us because so many women are in need of mammograms. In 2022 alone, Jamaica recorded over 1,300 new cases of breast cancer.

Cancer remains the second leading cause of death and the second leading cause of
cancer-related deaths in Jamaica. Screening is directly tied to treatment – if we cannot screen, we cannot detect, and if we cannot detect, we cannot treat. That is why this appeal for a new mammography machine is so important. Survivorship depends on early detection. We are incredibly grateful to Sygnus for partnering with us once again, providing a donation that will go toward free screenings for women. Contributions like this make a real difference and help sustain our work. We look forward to many more years of partnership and impact together.”

In addition to its ongoing support for screening services, Sygnus’ contribution to Jamaica Reach to Recovery continues to make a meaningful difference in the lives of breast cancer survivors and women undergoing treatment.
Sandra Samuels, President of Jamaica Reach To Recovery, expressed, “On behalf of all the
women we serve, we are deeply grateful to Sygnus for their consistent support over the past five years. At Jamaica Reach to Recovery, we are not funded by the government or any organisation, and we rely entirely on donations and fundraising. Contributions like Sygnus’ make a real difference, helping women access essential services such as mammograms, needle biopsies, scans, medication, and other treatment-related costs that can run up to J$150,000 per person. A diagnosis of breast cancer comes with significant financial challenges, and every cent counts. Sygnus’ generosity ensures that more women can receive the care they need, and for that, we are truly thankful.”

Breast cancer remains the leading cancer among women in Jamaica, and early detection
continues to be the most effective weapon in saving lives. Recent local expert analysis
highlights that:
● Jamaican women are diagnosed at a younger age than their U.S. counterparts, with a
median onset of 52-54 years.
● Nearly half of patients are diagnosed at stage 3 or 4, with 33-36% under 50 and 16%
younger than 40.
● Breast cancer tends to be more aggressive locally, with a higher prevalence of
triple-negative cancers.
● Only 8 of 14 parishes currently offer mammography access.

These statistics underscore the critical importance of Sygnus’ support in funding screenings, advancing the acquisition of a new mammography machine and essential support services for women navigating diagnosis and recovery. Through initiatives like this, Sygnus aims to amplify awareness, encourage early detection, and empower women with hope, action, and access.

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About Sygnus

Sygnus is a leading alternative investment firm in the Caribbean and Latin America, dedicated to driving economic development across the region through creative and innovative financing solutions. By offering a range of investment alternatives, including private credit, real estate financing, private equity and impact investing, Sygnus addresses unmet demands, unlocking capital for growing enterprises and playing a pivotal role in regional economic growth. The cutting-edge alternative investment (AI) platform is fueled by transformative strategies designed to accelerate development across the Caribbean and Latin America. This platform is backed by a team of forward-thinking experts who craft tailored solutions for our clients, complemented by dedicated investment banking and wealth management services. Sygnus also provides specialised services in Puerto Rico through Sygnus Capital PR LLC, formerly known as Acrecent Financial. As of December 2023, the company expanded its offerings, reaffirming its commitment to delivering innovative and personalised financing solutions that foster the island’s economic growth.