THE BANK OF NOVA SCOTIA ST. VINCENT 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. VINCENT 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 9-11 Personal Credit Cards Funds Transfer & Foreign Exchange 13 Miscellaneous 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) Regular sundry fees apply Interest Paid Yes, subject to normal lending criteria. Available for Sales to Residents of CANADA svg.scotiabank.com 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) Regular sundry fees apply Interest Paid Yes, subject to normal lending criteria

3 Available for Sales to Residents of CANADA 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 Opening Balance $500 Number of transactions included ne Branch Transactions $1.50 ATM withdrawals ( per item) $1.00 $1.50 maintenance fee, if balance goes below $500 USD 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 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 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 NIL All debit transactions $3.00 All credit transactions $3.00 NSF Cheque $30.00 SMALL BUSINESS FINANCING TERM FINANCING (LOANS) Application Fee $20.00 Maintenance Fee 6 Free Transactions per month for average monthly balances over $1, $1.30 transaction fee 1% of amount granted CREDIT LINE Application Fees 1% of amount granted Application Fee (urgent reviews) 3/4% - 3% of the amount of the increase, Min $ Overrun Fees $40.00 Minimum Overdraft Interest $40.00 Administration Fee (monitoring $ $1,000 per occasion of conditions) Breach of Conditions 1% payment amount min $25.00 OVERDRAFT PROTECTION Application Fees $ Commitment Fee $0.00 Minimum Overdraft Interest $40.00 Administration Fee (monitoring $ $1,000 per occasion of conditions) Renewal Fee NIL 06 07

5 COMMERCIAL ACCOUNTS Basic Business Account & Foreign Account USD INTEREST BEARING Savings () CURRENT ACCOUNT - INTEREST NIL All debit transactions $3.00 All credit transactions $3.00 NSF Cheque $30.00 $20.00 Maintenance Fee 6 Free Transactions per month for average monthly balances over $1, $1.30 transaction fee $15.00 maintenance fee 6 Free transactions per month for balances over $1,000 $1.30 Transaction Fee $1.50 transaction fee COMMERCIAL & CORPORATE FINANCING TERM FINANCING (LOANS) Application Fee 1% of amount granted DEMAND LOANS Application Fees 1 % of amount granted Application Fee (urgent reviews) 3/4% - 3% of the amount of the increase, Min $ Overrun Fees $40.00 Administration Fee (monitoring $ $1,000 per occasion of conditions) Breach of Conditions 1% payment amount min $25.00 Fees Certification of Balance of account $30.00 Telephone Inquiry on a regular basis $10.00 Cheques Certified $25.00 Cheques returned NSF $40.00 Items deposited subsequently $25.00 charged back Minimum Overdraft Interest (Calculated on maximum daily $40.00 balance) Overdraft Handling Charge $40.00 Transfer between accounts to $10.00 cover cheques Search for vouchers $10.00 per item or $20.00 per hour Stop Payment Order $30.00 Duplicate Statements (per copy) $10.00 Application Fee (Straight Purchases) RETAIL LENDING PRODUCTS Residential Mortgage Commitment Fees ( Construction Loans only) Application Fees (Construction Loans) Government Stamp Fees & Legal Fees (PAID BY THE CUSTOMER) 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) 1% OF APPROVED Loan Amount, Min $ % of approved Loan Amount, Min $ plus 1% of approved Loan amount Depends on the amount of Loan and the charges vary per lawyer. Charged on new funds only 1% of approved Loan Amount. 1% above regular Mortgage Interest Rate. 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. 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.) 08 09

6 Application Fee 1% OF APPROVED Loan Amount or min $100 Government Stamp Fees & Depends on the amount of Legal Fees (PAID BY THE CUS- Loan and the charges vary per TOMER) lawyer. Late Payment Fee $65.00 Private Vehicles & Consumer Loans 1% OF APPROVED Loan Application Fee Amount or min $100 Late Payment Fee (after 10 days $65.00 delinquency) Loan Refinancing/ Renegotiating Fee Charged on new funds only 1% of approved Loan Amount. LINE OF CREDIT SCOTIALINE GOLD PERSONAL LINE OF CREDIT Annual Fee for Primary Borrower; $0.00 for Co-borrower Over limit Fees (Charge incurred $75.00 monthly whenever the Scotia- Line is over the Limit) Late Payment Fee (Applied to each payment made after the due date) $65.00 Dishonored payment (applied to $65.00 each payment credited to your account that is subsequently returned to us unpaid Transaction Fee $0.00 ScotiaLine cheque stop $20.00 Payment fee Fee for replacing an additional or replacement statement Fee for replacing lost or damaged Scotialine Gold card Real Estate Loans Personal Loans (SPL) $5.00 $30.00 Annual Fee SCOTIALINE PERSONAL LINE OF CREDIT Over limit Fees (Charge incurred monthly whenever the Scotia- Line is over the Limit) Late Payment Fee (Applied to each payment made after the due date) Dishonored payment (applied to each payment credited to your account that is subsequently returned to us unpaid $ for Primary Borrower; $75.00 for Co-borrower $75.00 $65.00 $65.00 Transaction Fee (Applies to each $10.00 transaction that exceeds five (5) transactions monthly. Fee for replacing an additional or replacement statement $5.00 Overdraft Protection Application Fee $ (Interest charges) $30.00 MIN. Interest calculated on maximum daily balance Personal Credit Cards Standard Cards Annual (Membership) Fee $85.00 Additional Card $37.00 Cash Advance Fee Minimum $10.00 /3% Dishonored Cheque Charge $45.00 (NSF) Returned Cheque Charge NIL Late Payment Fee $75.00 Over limit Fee $75.00 Replacement Card Fee $30.00 Copy of Transaction/Charge Slip $5.00 Statement Copy Fee $5.00 Interest Rate (per annum) 19.99% 10 11

7 Gold Cards Annual (Membership) Fee $ Additional Card $0.00 Cash Advance Fee Min $10.00 / 3% Dishonored Cheque Charge $45.00 (NSF) Returned Cheque Charge NIL 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 $5.00 Interest Rate (per annum) 19.99% Personal Credit Cards (Specialty Cards) AAdvantage MasterCard Annual (Membership) Fee $75.00 Additional Card $33.00 Cash Advance Fee Minimum $10.00/ 3% Dishonored Cheque Charge $45.00 (NSF) Returned Cheque Charge charge 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 $5.00 Interest Rate (per annum) 19.99% FUNDS TRANSFERRED AND FOREIGN EXCHANGE Mail Transfers ::::::Inland Local $10.00 :::::: Overseas $ Commission $15.00 :::::::Managers Cheques/Drafts $ Stamp Duty $0.15 Telegraphic Transfers $ Commission $15.00 Incoming Transfers $20.00 Conversion of FX to draft re 1% (at Manager's discretion) incoming Transfers Incoming Transfers Payment of F/X item in same currency Charge for drafts sold when FX cheque is presented $15.00 per payment 2% $ Stamp Duty $0.15 MISCELLANEOUS CHARGES Audit Certificates $30.00 Standing Orders (Bankers' orders) $10.00 Draft Tracers (Mailed & faxed) $10.00/$18.00 Credit Reports for Customers $30.00 benefit Utility Bills $5.00 Photocopies (per item) $5.00 Fax messages at customers' request $20.00 Transfers between accounts. $10.00 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 Payroll Preparation Cash Processing Scotiabank Branch- charge, another branch or Bank $1.00, Min $25.00 $2.50 per envelope, Min $50.00 $2.50 per envelope, Min $50.00 $3.00 per name, Min $50.00 Cash deposited/supplied $2.00 per $1,000 Coin deposited/supplies $3.50 per $

8 1 1/2 X 5 x 24 $ /2 x 5 x 24 $ x 5 x 24 $ Drilling of Safety Deposit Box Safety Deposit Box $100 + Costs Replacing Lock min $100 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 2 Free visits per month $5.00 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 Night / Day Deposit Bags Wallet Rentals Disposable bags N/A $1.75 Small & $2.00 Large per bag Lost/Damaged Wallets N/A Lost/broken head door keys $50.00 Replacement/Lost Key $ Costs Lost Wallet key N/A Replacing Lock min $200 Wallet Rental Rebates N/A Self Service Banking Visa Debit Card Free ATM Withdrawal locally/regionally at n-scotiabank ATM $12.00 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. $ % of the transaction amount $5.00 fee refunded, but network fee of 2% of Transaction Amount to be paid FREE $

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

THE BANK OF NOVA SCOTIA ST. LUCIA 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 7-9