The Bank of Nova Scotia Grenada Schedule of Rates Revised October 2018

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1 The Bank of Nova Scotia Grenada Schedule of Rates Revised October 2018 There are other charges the Bank imposes for services. On request, you can get from the Bank specific charges not listed. TM Trademarks of The Bank of Nova Scotia, used under licence.

2 Contents Personal Deposit Accounts... Small Business & Commercial... Personal Lending Products... Personal Credit Cards... Funds Transfer & Foreign Exchange... Miscellaneous.. Self-Service Banking... Page Please note: We make every effort to keep charges to a minimum, but they are subject to intermittent review. Changes to terms and conditions, interest rates, fees and charges will be brought to the customer s attention by: - Placement on our website grenada.scotiabank.com - Notice in the branches - Advertisement - Notice in writing - or text messages The information in this Schedule of Rates does not include all retail fees and services charges, only those most applicable for standard banking transactions. 2

3 EVERYDAY BANKING TOTAL ACCESS Account Monthly Fee $13.00 Currency Minimum Opening Balance $ Number of transactions included 10 branch/cheque transactions, unlimited self-service transfers between Scotiabank Accounts & unlimited proprietary electronic transactions Transaction Fees Branch transactions/cheque $3.00 with Scotiacard $5.00 without Scotiacard Proprietary ABM Proprietary POS ATM Mini Statement Other Fees Non-Scotiabank ATM Fees apply, Regular sundry fees apply Internet, Mobile, Telephone & POS Cheque writing privilege Yes Pays Interest No Interest Paid Statement Frequency Quarterly Overdraft available Yes, subject to normal lending criteria Other Available for Sales to Residents of CANADA ELECTRONIC ACCESS Account Monthly Fee $6.00 Currency Minimum Opening Balance $ Items Unlimited self-service transactions on proprietary channels Transaction Fees Branch transactions/cheque $6.00 with Scotiacard $7.00 without Scotiacard ATM withdrawals ATM Mini Statement Proprietary ABM Proprietary POS Other Fees Non-Scotiabank ATM Fees apply, Regular sundry fees apply Internet,Mobile,Telephone & POS Cheque writing privilege Yes Pays Interest No Interest Paid Statement Frequency Quarterly Overdraft available Yes, subject to normal lending criteria Other Available for Sales to Residents of CANADA 3

4 Primary Savings Account Monthly Fee $5.00 Minimum Balance required to waive monthly fee $ Currency Minimum Opening Balance $ Number of transactions included 1 Branch transaction, unlimited self-service transfers between Scotiabank Accounts Transaction Fees Branch transactions/cheque $5.00 with Scotiacard and $7.00 without Scotiacard ATM withdrawals (per item) $1.50 ATM Mini Statement Proprietary POS Other Fees Non-Scotiabank ATM Fees apply, Regular sundry fees apply Internet, Mobile, Telephone & POS Cheque writing privilege NO Pays Interest Calculated and paid monthly Statement Frequency Quarterly Overdraft available No Other ASP/SSRB Eligible - 1% bonus interest on ASP Contributions SIGNATURE SAVINGS ACCOUNT - (Not available for new customers) Monthly Fee $5.00 Minimum Balance required to waive monthly fee $1, Items 1 free transaction any channel, unlimited deposits and unlimited self-service transfers between Scotiabank Account Transaction Fees Branch $5.00 Proprietary ABM $5.00 Proprietary POS Other Fees Non-Scotiabank ATM Fees apply, Regular sundry fees apply SPECIALTY ACCOUNT- Foreign Currency Account Monthly Fee $2.50 Minimum Balance required to waive monthly fee $ Items Unlimited deposits and selfservice transfers between Scotiabank Accounts Currency USD Opening Balance $500 Transaction Fees Number of transactions included None Branch $1.50 ATM withdrawals (per item) $1.00 ATM Mini Statement Proprietary ABM Proprietary POS Other Non-Scotiabank ATM Fees apply, Regular sundry fees apply Internet, Mobile, Telephone & POS Proprietary POS Deposit Cheque writing privilege Yes Pays Interest No Statement Frequency Quarterly Overdraft available No 4

5 Age Based Accounts Junior Account Minimum Monthly Fee Currency Opening Balance $0.00 Number of transactions included Transaction Fees Branch $3.00 ATM withdrawals (per item) $1.50 ATM Mini Statement Other Internet, Mobile, Telephone & POS Deposit Cheque writing privilege Pays Interest Statement Frequency Overdraft available Ages 0-17 years of age- opened with Parent or Guardian None 10 any channel - debit transactions Non-Scotiabank ATM Fees apply, Regular sundry fees apply No Calculated and paid monthly Quarterly No Senior's Account Age 60 years and older. A younger spouse or relative is also eligible for a joint account. Monthly Fee None Currency Opening Balance $ Number of transactions included 10 - Branch/Cheque plus Unlimited self - service debit transactions Transaction Fees Branch $2.00 ATM withdrawals ATM Mini Statement Other Fees Internet, Mobile, Telephone & POS Deposit Cheque writing privilege Pays Interest Statement Frequency Overdraft available Other Non-Scotiabank ATM Fees apply, Regular sundry fees apply, except as indicated below Yes Calculated and paid monthly Quarterly No 25% off Safety Deposit Box fee, FREE Standing Orders and Drafts 5

6 Electronic Access Youth Age years Monthly Fee $3.00 Currency Opening Balance $0.00 Number of transactions included Unlimited self - service debit transactions Transaction Fees Branch transactions/cheque $5.00 ATM Withdrawals ATM Deposit ATM Mini Statement Other Fees Non-Scotiabank ATM Fees apply, Regular sundry fees apply Cheque writing privilege Yes Pays Interest No Statement Frequency Quarterly Overdraft available Yes, subject to normal lending criteria 6

7 SMALL BUSINESS & COMMERCIAL ACCOUNTS SMALL BUSINESS OPERATING ACCOUNT $20.00 Monthly Fee Branch: Debit - $1.75, Credit - $1.25, Transfer - $1.25 ABM: Debit - $1.50, Credit -$1.00, Transfer - $1.00 USD $15.00 Monthly Fee Branch: Debit - $1.50, Credit - $1.00, Transfer - $1.00 ABM: Debit - $1.25, Credit -$1.00, Transfer - $1.00 Cash/Coin Deposited (in Branch) $1.00 per $1,000 Cash/Coin Deposited (Night Deposit) $0.50 per $1,000 BUSINESS SURPLUS ACCOUNT $10.00 Monthly Fee for balances below $5,000. Branch: Debit - $3.50, Credit - $2.50, Transfer - $1.25 ABM: Debit - $3.50, Credit -$2.50, Transfer - $1.00 Cash/Coin Deposited (in Branch) $1.00 per $1,000 Cash/Coin Deposited (Night Deposit) $0.50 per $1,000 CREDIT LINE Application Fees 1 % Commitment Fee Nil Minimum Overdraft Interest $40.00 Administration Fee (over-run) 0.50%, Min $ Renewal Fee 0.50%, Min $ $15.00 Monthly Fee Branch: Debit - $1.75, Credit - $1.25, Transfer - $1.25 ABM: Debit - $1.50, Credit -$1.00, Transfer - $1.00 7

8 SMALL BUSINESS & COMMERCIAL FINANCING TERM FINANCING (LOANS) Application Fee 1/4 % - 1 % Min $300 OVERDRAFT PROTECTION Application Fees 1/4 % - 1 % Min $300 Commitment Fee 1/4 % - 1 % Min $300 Minimum Overdraft Interest Based on interest rate on account Administration Fee N/A Renewal Fee 1/4 % - 1 % Min $300 Cheques/pre-authorized Debits creating/or increasing Overdraft $10.00 Overdraft handling charge $

9 COMMERCIAL ACCOUNTS TERM FINANCING (LOANS) Application Fee 1-3 % Renewal Fee 1/4-1 % DEMAND LOANS Application Fees 1-3 % Renewal Fee 1/4-1 % Overrun Fee 1-3 % Min. $300 Other Fees Certification of Balance of account $35.00 Cheques Certified at Drawer's request $20.00 Cheques Certified at Payee's request $25.00 Cheques returned NSF $75.00 Items deposited subsequently charged back $25.00 Unauthorized Overdraft $50.00 Transfer between accounts $20.00 Transfer between accounts to cover cheques $20.00 Search for vouchers - in same month; per entry; one month-one year; over one year $25.00; $50.00; $75.00 Non-Sufficient Funds (NSF) $75.00, $50.00USD Certified Cheque $20.00, $10.00USD Stop Payment $30.00, $60.00USD Duplicate Statements $15.00 Print Screens of account (per sheet) $7.50 Open a New Account Due to lost passbook $30.00 Withdrawal without Passbook $12.50 Withdrawal by Third Party $ $12.50 Service Charge on Accounts Closed (within one month; one to six months) $35.00; $50.00 Guarantees/Bond/Indemnities Up to $50M 2%, Min $200 Over $50M 1% 9

10 Annual Fee Replacement Wallet Disposable bags (100 bags) Replacement Keys Replacement Locks Night Depository Payroll Preparation $ $ $ $ cost $ cost Scotiabank banked employer Each Payroll Run $60.00 Transaction fee Into Scotiabank Account $2.00 Payment by other means $10.00 Non-Scotiabank employer with Scotiabank banked employees Each Payroll Run $80.00 Transaction fee per Customer $2.00 Wire Fees Commercial & Small Business Branch $ Online $ Safety Deposit Box 1 1/2 X 5 x 24 $ /2 x 5 x 24 $ x 5 x 24 $ Drilling of Safety Deposit Box $100 + Costs Replacing Lock $100, min. Lost or Broken keys $ Listing contents for estate purposes $10.00 per hour per employee, Min $50.00 per listing SDB Rental Rebates: 1/12 of annual rental for each unexpired full month; net charge first year must not be less than 1/12 annual rental 10

11 RETAIL LENDING PRODUCTS Residential Mortgage Application Fee (Manager's discretion) 1% of approved Loan Amount, min $ Commitment Fees NIL Government Stamp Fees & Legal Fees (Paid by the customer) Late Payment Fee $50.00 NSF Payment $35.00 Loan Refinancing/ Renegotiating Fee Depends on the loan amount and charges vary per lawyer 1% of approved Loan Amount, min $ Construction Stage Payments (Interest only paid on Construction Loans) Interest Only Payment Renewal Fee (Charge incurred for renewing your Mortgage with the Bank) No renewal fee charged Prepayment Fee (Charge incurred on any prepayment amounts made in excess of the amount specified in your PCA for any one calendar year 120 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). Real Estate Loans Application Fee <USD$5M - $400; >USD$5M 1% or min $400 Government Stamp Fees & Legal Fees (PAID BY THE CUSTOMER) Late Payment Fee $50.00 Real Estate Inspection Fees $15.00 Depends on the amount of Loan and the charges vary per lawyer Personal Loans (SPL) Private Vehicles & Other Consumer Loans Application Fee <USD$5M - $400; >USD$5M 1% or min $400 Late Payment Fee (after 10 days delinquency) $50.00 NSF Payments $35.00 Loan Refinancing/ Renegotiating Fee Charged on new funds only.50% of approved Loan Amount 11

12 LINE OF CREDIT SCOTIALINE GOLD PERSONAL LINE OF CREDIT Annual Fee $ for Primary Borrower; $0.00 for Coborrower Application Fee $0.00 Over limit Fees (Charge incurred monthly whenever the ScotiaLine is over the Limit) $0.00 Late Payment Fee (Applied to each payment made after the due date) $35.00 Dishonored payment (applied to each payment credited to your account that is subsequently returned to us unpaid $35.00 Fee for replacing an additional or replacement statement $15.00 Fee for replacing lost or damaged Scotialine Gold card $50.00 SCOTIALINE PERSONAL LINE OF CREDIT Annual Fee $ for Primary Borrower; $57.50 for Co-borrower Application Fee $0.00 Over limit Fees (Charge incurred monthly whenever the ScotiaLine is over the Limit) $0.00 Late Payment Fee (Applied to each payment made after the due date) $0.00 Dishonored payment (applied to each payment credited to your account that is subsequently returned to us unpaid $30.00 Fee for replacing an additional or replacement statement $

13 Personal Credit Cards Standard Cards Annual (Membership) Fee $ Additional Card $0.00 Cash Advance Fee $0.00 Dishonored Cheque Charge (NSF) $50.00 Returned Cheque Charge $50.00 Late Payment Fee $0.00 Over limit Fee $0.00 Replacement Card Fee-Lost, damaged or stolen $50.00 Emergency Replacement $70.00 Copy of Transaction/Charge Slip $5.00 Statement Copy Fee $15.00 Interest Rate (per annum) 16.00% Gold Cards Annual (Membership) Fee $ Additional Card $0.00 Cash Advance Fee $0.00 Dishonored Cheque Charge (NSF) $0.00 Returned Cheque Charge $50.00 Late Payment Fee $0.00 Over limit Fee $0.00 Replacement Card Fee-Lost, damaged or stolen $50.00 Emergency Replacement $70.00 Copy of Transaction/Charge Slip $5.00 Statement Copy Fee $15.00 Interest Rate (per annum) 16.00% 13

14 Personal Credit Cards (Speciality Cards) AAdvantage MasterCard Annual (Membership) Fee $ Additional Card $0.00 Cash Advance Fee $0.00 Dishonored Cheque Charge (NSF) $0.00 Returned Cheque Charge $50.00 Emergency Replacement $70.00 Late Payment Fee $0.00 Over limit Fee $0.00 Replacement Card Fee-Lost, damaged or stolen $50.00 Copy of Transaction/Charge Slip $5.00 Statement Copy Fee $15.00 Interest Rate (per annum) 16.00% 14

15 FUNDS TRANSFERRED AND FOREIGN EXCHANGE Managers Cheques/Drafts (Local) $ stamps Managers Cheques/Drafts (Foreign) $ stamps Telegraphic Transfers (Overseas (Foreign currency min) $35.00 Incoming Mail & Wire Transfers $20.00 Preparation of draft (BBD & TTD) Min $2.50 Preparation of draft (Other currencies) $7.50 Customer Letter $35.00 MISCELLANEOUS CHARGES Audit Certificates COMMERCIAL (Non- borrowing; borrowing) $35.00; $50.00 Standing Orders (Bankers' orders) draft; transfer $15.00; $7.50 Draft Tracers (Mailed & faxed) $30.00 Duplicate Draft $30.00 Credit Reports for Customers benefit; or for Foreign Banks $35.00; $20.00 Utility Bills $ tax Photocopies (per item) $5.00 Transfers between accounts $20.00 Negotiation of Foreign Currency Cheques +SD $7.50 Service charge on account closed within 3 months $25.00 Cheque encashment non customer $

16 Self Service Banking Visa Debit Card ATM Withdrawal locally/regionally at Non-Scotiabank ATM ATM Withdrawal at ATM internationally $12.00 $ % of the transaction amount GLOBAL ATM Alliance ATM Machines $5.00 fee refunded, but network fee of 2% of Transaction Amount to be paid ATM withdrawal at SCOTIABANK ATM's worldwide FREE Balance Enquiries & Declines (on a withdrawal at non-scotiabank ATM's within the country & Internationally $2.00 POS use regionally POS use Internationally POS Decline for insufficient funds internationally FREE 1.5% of the transaction amount $

17 Contact Us Call us at Visit our website at grenada.scotiabank.com Visit our facebook page at Tweet us

The Bank of Nova Scotia Antigua Schedule of Fees Revised October 2018

The Bank of Nova Scotia Antigua Schedule of Fees Revised October 2018 There are other charges the Bank imposes for services. On request, you can get from the Bank specific charges not listed. TM Trademarks