THE BANK OF NOVA SCOTIA ST. LUCIA SCHEDULE OF RATES. Trademarks of The Bank of Nova Scotia, used under licence (where applicable).

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1 THE BANK OF NOVA SCOTIA ST. LUCIA SCHEDULE OF RATES Trademarks of The Bank of va Scotia, used under licence (where applicable).

2 Contents Page Personal Deposit Accounts 3-6 Small Business & Commercial 7-9 Personal Lending Products Personal Credit Cards Funds Transfer & Foreign Exchange 13 Miscellaneous stlucia.scotiabank.com EVERYDAY BANKING TOTAL ACCESS Account $10.00 Minimum Opening Balance $0.00 Number of transactions included 10 - branch transactions/ cheque, Unlimited self-service transfers between Scotiabank accounts Branch transactions/cheque $2.00 ATM withdrawals & deposits Free (per item) n-scotiabank ATM Fees apply, Regular sundry fees apply Interest Paid Yes, subject to normal lending criteria. Available for Sales to Residents of CANADA ELECTRONIC ACCESS Account $5.00 Minimum Opening Balance $0.00 Number of transactions included UNLIMITED SELF-SERVICE Branch transactions/cheque $5.00/$5.00 ATM withdrawals & deposits Free (per item) n-scotiabank ATM Fees apply, Regular sundry fees apply Interest Paid Yes, subject to normal lending criteria. Available for Sales to Residents of CANADA 02 03

3 PRIMARY SAVINGS Account $3.50 maintenance fee, if balance goes below $500 Minimum Opening Balance $0.00 Number of transactions included NONE, UNLIMITED SELF-SER- VICE TRANSFERS BETWEEN SCOTIABANK ACCOUNTS Branch Transactions $3.00 ATM withdrawals (per item) $1.50 ATM deposits Free n-scotiabank ATM Fees apply, Regular sundry fees apply Cheque writing privilege NO Calculated MINIMUM Monthly paid monthly ASP/SSRB Eligible - 1% bonus interest on ASP Contributions SPECIALTY ACCOUNT- Foreign Account $1.50 maintenance fee, if balance goes below $500 USD Opening Balance $500 Number of transactions included ne Branch Transactions $1.50 ATM withdrawals ( per item) $1.00 n-scotiabank ATM Fees apply, Regular sundry fees apply Age Based Accounts PRIMARY SAVINGS JUNIOR Ages 0-17 years of age- opened with Parent or Guardian Minimum ne Opening Balance $0.00 Branch withdrawals $3.00 Deposits (Branch & ATM) Free ATM withdrawals (per item) $1.50 n-scotiabank ATM Fees apply, Regular sundry fees apply Cheque writing privilege Calculated MINIMUM Monthly paid monthly Total Access Senior Age 60 years and older. A younger spouse or relative is also eligible for a joint account. ne Opening Balance $0.00 Number of transactions included 10 transactions plus UNLIM- ITED SELF-SERVICE debit transactions Branch Transactions $2.00 ATM withdrawals (per item) Free ATM Deposits Free n-scotiabank ATM Fees apply, Regular sundry fees apply, except as indicated below. Calculated MINIMUM Monthly paid monthly 25% off Safety Deposit Box fee, FREE Travellers cheques, Standing Orders and Drafts 04 05

4 Electronic Access Youth $3.00 Age years. Opening Balance $0.00 Number of transactions included UNLIMITED SELF-SERVICE debit transactions Branch transactions/cheque $5.00 ATM Unlimited, Regular n-scotiabank ATM fees apply ATM Deposit Free Yes, subject to normal lending criteria. SMALL BUSINESS ACCOUNTS Basic Business Account & Savings Account SB CURRENT ACCOUNT - INTEREST All debit transactions $3.00 All credit transactions $3.00 NSF Cheque $30.00 $25.00 Maintenance Fee 10 Free Transactions per month for balances over $2, $1.30 transaction fee re debits/ credits SMALL BUSINESS FINANCING TERM FINANCING (LOANS) Application Fee 1.00% Renewal Fee 0.50%, minimum $ CREDIT LINE Application Fees 1.00% Commitment Fee Minimum Overdraft Interest $40.00 Administration Fee (Over-run) 0.50%, minimum $ Renewal Fee 0.50%, minimum $ OVERDRAFT FOR SMALL BUSINESS Application Fees Commitment Fee Renewal Fee Minimum Overdraft Interest $40.00 Administration Fee $

5 Basic Business Account & Foreign Account USD SMALL BUSINESS CREDIT CARDS- REGULAR BUSINESS/AADVANTAGE BUSINESS EXECUTIVE Annual (Membership) Fee (Principal $100.00/$60.00/$60.00 Owner/Partner/Employee) $250.00/$80.00/$80.00 Additional Card charge Cash Advance Fee 3.00% Dishonored Cheque charge (NSF) $45.00/$50.00 Returned Cheque Charge $50.00 Late Payment Fee (Regular/AA $45.00 Business) Over Limit Fee $50.00 Replacement Card Fee $30.00 Copy of Transaction Charge Slip $0.00 Statement Copy Fee $0.00 COMMERCIAL ACCOUNTS CURRENT ACCOUNT - INTEREST All debit transactions $3.00 All credit transactions $3.00 NSF Cheque $30.00 $25.00 Maintenance Fee 10 Free Transactions per month for balances over $2, $1.30 transaction fee $15.00 maintenance fee 2 Free transactions per month for balances over $2,000 $1.30 Transaction Fee COMMERCIAL & CORPORATE FINANCING TERM FINANCING (LOANS) Application Fee 1-3% DEMAND LOANS Application Fees 1-3% Application Fee (urgent reviews) 3/4% - 3% of the amount of the increase, Min $ Renewal Fee Overrun Fees Administration Fee (monitoring of conditions) Breach of Conditions 1/4% % of total amount authorized. $ $ per occasion $ $1,000 per occasion $ $1,000 per occasion Fees Certification of Balance of $35.00 account Telephone Inquiry on a regular $0.00 basis Cheques Certified (Drawer/ $10.00/$15.00 n-drawer) Cheques returned NSF $55.00 Items deposited subsequently $25.00 charged back Minimum Overdraft Interest $40.00 (Calculated on maximum daily balance) Overdraft Handling Charge $55.00 Transfer between accounts to $12.00 cover cheques Search for vouchers $40.00 per hour, Min $25.00 Stop Payment Order $30.00 Duplicate Statements $

6 Application Fee (Straight Purchases) $0.00 Commitment Fees 1.10% Government Stamp Fees & Legal Fees (PAID BY THE CUS- TOMER) Late Payment Fee $65.00 Loan Refinancing/Renegotiating Fee Construction Stage Payments (Interest only paid on Construction Loans) Renewal Fee (Charge incurred for renewing your Mortgage with the Bank) Prepayment Fee (Charge incurred on any prepayment amounts made in excess of the amount specified in your PCA for any one calendar year. Inspection fee/site Visits - Progress Reports Application Fee RETAIL LENDING PRODUCTS Residential Mortgage Government Stamp Fees & Legal Fees (PAID BY THE CUSTOMER) Real Estate Loans Late Payment Fee $65.00 Private Vehicles & Consumer Loans Application Fee ( Charged on approved applications only) Late Payment Fee (after 10 days delinquency) Depends on the amount of Loan and the charges vary per lawyer. Charged on new funds only of approved Loan Amount. 1% above regular Mortgage Interest Rate. renewal fee charged 90 days interest on any prepayment made in excess of the amount entitled to for anyone calendar year as set out in your PCA (Personal Credit Agreement. $ per visit Personal Loans (SPL) 1% OF APPROVED Loan Amount or min $ Depends on the amount of Loan and the charges vary per lawyer. 1% OF APPROVED Loan Amount or min $250 $65.00 Annual Fee Over limit Fees (Charge incurred monthly whenever the Scotia- Line is over the Limit) $ for Primary Borrower; $0.00 for Co-borrower $65.00 Late Payment Fee (Applied to each payment made after the due date) $65.00 Dishonored payment (applied to each payment credited to your account that is subsequently returned to us unpaid $55.00 Transaction Fee $0.00 Additional or replacement statement fee $10.00 Retrieval of Items Fee $5.00 ATM Cash Advance Fee $10.00 Fee for replacing lost or damaged Scotialine Gold card Annual Fee LINE OF CREDIT SCOTIALINE GOLD PERSONAL LINE OF CREDIT Over limit Fees (Charge incurred monthly whenever the Scotia- Line is over the Limit) $35.00 SCOTIALINE PERSONAL LINE OF CREDIT $ for Primary Borrower; $65.00 for Co-borrower $65.00 Late Payment Fee (Applied to each payment made after the due date) $65.00 Dishonored payment (applied to each payment credited to your $55.00 account that is subsequently returned to us unpaid Transaction Fee (Applies to each $20.00 transaction that exceeds five (5) transactions monthly. Additional or replacement statement fee $10.00 Retrieval of Items Fee $

7 SCOTIALINE PERSONAL LINE OF CREDIT CONT D Overdraft Protection Application Fee $ (Interest charges) MIN. Interest calculated on $40.00 maximum daily balance Handling Charge $55.00 Personal Credit Cards Standard Cards Annual (Membership) Fee $ Additional Card $50.00 Cash Advance Fee 3.00% Dishonored Cheque Charge $45.00 (NSF) Returned Cheque Charge $25.00 Late Payment Fee $75.00 Over limit Fee $75.00 Replacement Card Fee $30.00 Copy of Transaction/Charge $5.00 Slip Statement Copy Fee $15.00 Interest Rate (per annum) 19.99% Gold Cards Annual (Membership) Fee $ Additional Card $0.00 Cash Advance Fee 3.00% Dishonored Cheque Charge $45.00 (NSF) Returned Cheque Charge $25.00 Late Payment Fee $75.00 Over limit Fee $75.00 Replacement Card Fee $30.00 Copy of Transaction/Charge $5.00 Slip Statement Copy Fee $15.00 Interest Rate (per annum) 19.99% Personal Credit Cards (Specialty Cards) AAdvantage MasterCard Annual (Membership) Fee $ Additional Card $50.00 Cash Advance Fee Dishonored Cheque Charge $45.00 (NSF) Returned Cheque Charge $25.00 Late Payment Fee $75.00 Over limit Fee $75.00 Replacement Card Fee $30.00 Copy of Transaction/Charge $5.00 Slip Statement Copy Fee $15.00 Interest Rate (per annum) 19.99% FUNDS TRANSFERRED AND FOREIGN EXCHANGE Mail Transfers ::::::Inland Local $12.00 :::::: Overseas $10.00 :::::::Managers Cheques/Drafts $12.00 Telegraphic Transfers (Caricom & Trinidad) $ rth America $ UK & Europe/Far East/Asia $ Conversion of FX to draft re incoming Transfers 1.00% Duplicate draft $25.00 Incoming Transfers $10.00 Foreign Exchange Rates POSTED Daily Charge for foreign drafts sold Selling exchange Rate + $ Government Stamp Duty 0.30 Cents Handling charges for foreign $2.50 drafts MISCELLANEOUS CHARGES Audit Certificates $25 - $100 Standing Orders (Bankers' orders) $10.00 Draft Tracers (Mailed & faxed) Credit Reports for Customers benefit $15.00 Utility Bills $5.00 Photocopies (per item) $5.00 Print screen of Account $

8 Payroll Preparation Deposit to Employee's account or from List Charge Filling Envelopes with Names & Amounts already recorded Filling Envelopes with Names & Amounts not recorded Making Payments in Cash from a list supplied by employer Cash/Coin deposited/supplied (sorted & bundled Scotiabank Branch- charge, $4.50 per envelope, Min $50.00 $5.00 per envelope, Min $75.00 $2.50 per name, Min $50.00 $2.50/$3.50 per $1,000/$100 Cash/Coin deposited/supplies $5.00 per $1000/$100 (unsorted, unbundled bills) Cash Processing Self Service Banking Visa Debit Card ATM Withdrawal locally/regionally at n-scotiabank ATM ATM Withdrawal at ATM internationally GLOBAL ATM Alliance ATM Machines. ATM withdrawal at SCOTIA- BANK ATM's worldwide Balance Enquiries & Declines on a withdrawal at non-scotiabank ATM's within the country & Internationally. Free $12.00 $ % of the transaction amount** $5.00 fee refunded, but network fee of 2% of Transaction Amount to be paid FREE $ /2 X 5 x 24 $ /2 x 5 x 24 $ /2 x 5 x 24 $ x 10 x 24 $ Safety Deposit Box POS use regionally POS use Internationally POS Decline for insufficient funds internationally INTERNET BANKING MOBILE BANKING FREE 1.5% of the transaction amount $2.50 FREE FREE Drilling of Safety Deposit Box $200 + Costs Replacing Lock min $200 * 2 free visits monthly SDB Rental Rebates Lost/Broken Keys 1/12 of annual rental for each unexpired full month; net charge first year must not be less than 1/12 annual rental $ Costs Night / Day Deposit Bags Wallet Rentals (annually) $ Disposable bags $25.00 Lost/Damaged Wallets $ Lost/broken head door keys $ Costs Replacement/Lost Key $50.00 Lost Wallet key $50.00 Wallet Rental Rebates 1/12 rental rebate for each unexpired full month, 1/2 of annual rate Overnight /short term rentals $25.00 (less than 30 days) 14 15

THE BANK OF NOVA SCOTIA ST. VINCENT SCHEDULE OF RATES. Trademarks of The Bank of Nova Scotia, used under licence (where applicable).

THE BANK OF NOVA SCOTIA ST. VINCENT SCHEDULE OF RATES Trademarks of The Bank of va Scotia, used under licence (where applicable). Contents Page Personal Deposit Accounts 3-6 Small Business & Commercial