THE BANK OF NOVA SCOTIA (JA) LTD. SCHEDULE OF FEES AND CHARGES

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1 1.0 CURRENT ACCOUNTS 1.1 Personal: Minimum Monthly Service Charge $ $ $ $ % $0.00 0% Charge per Entry/Cheque $50.00 Per processed cheque and $ per in branch transactions; Rebate of $15.00 for each $20, of minimum credit balance maintained. $50.00 Per processed cheque and $ per in branch transactions;rebate of $15.00 for each $20, of minimum credit balance maintained $50.00 per processed cheque and $ per in branch transactions $0.00 Per processed cheque and $20.00 per in branch transactions 0% Per processed cheque and $10% per in branch transactions $0.00 0% Minimum Balance Fees (also state threshold) N/A N/A N/A N/A N/A N/A N/A Transfer Between Accounts $ $ $ ($35.00) -14% $0.00 0% Interim Statement Free Free Free $0.00 0% $0.00 0% Cheque Returned NSF $1, $1, $1, $ % $ % Stop Payment/Cancellation Order: Local Cheque $ $ $ $ % $0.00 0% Foreign Cheque $ $ $ $ % $0.00 0% Dormant Account Fee (per annum) $ after 5 years of inactivity, $1, after Corporate: Minimum Monthly Service Charge Charge per Entry/Cheque $ SMEs $80.00 Corporate;$70.00 SMEs. Corporate: Rebate of $20.00 per $30, of mimimum credit balance maintained, up to a maximum equal to the service charge. SME: Rebate of $18.00 for each $25, of minimum credit balance maintained, up to a maximum equal to the service charge. $ SMEs $80.00 Corporate; $70.00 SMEs $ SMEs $0.00 Corporate; $20.00 SMEs 0% Corporate; 4% SMEs $0.00 0% $80.00 Corporate; $70.00 SMEs $0.00 0% $0.00 0% Minimum Balance Fees (also state threshold) N/A N/A N/A N/A N/A N/A N/A Transfer Between Accounts $ $ $ $0.00 0% $ % Interim Statement Free Free Free $0.00 0% $0.00 0% Cheque Returned NSF $1, $1, $1, $ % $ % Stop Payment/Cancellation Order: Local Cheque $ $ $ $ % $0.00 0% Foreign Cheque $ $ $ $ % $0.00 0% Dormant Account Fee (per annum) $ after 5 years of inactivity, $1, after 7

2 2.0 SAVINGS ACCOUNTS 2.1 Personal: In-branch Deposit Transaction Fee $ $ $ $ % $0.00 0% In-branch Withdrawal Transaction Fee $ $ $ $ % $0.00 0% Minimum Balance Fees (also state threshold) $ per month if average balance falls below the minimum opening threshold of $5, $ per month if average balance falls below the minimum opening threshold of $5, $ per month if average balance falls below the minimum opening threshold of $5, $0.00 0% $0.00 0% Dormant Account Fee (per annum) $ after 5 years of inactivity, $1, after Corporate: In-branch Deposit Transaction Fee $ $ $ $ % $0.00 0% In-branch Withdrawal Transaction Fee $ $ $ $ % $0.00 0% Minimum Balance Fees (also state threshold) N/A N/A N/A N/A N/A N/A N/A Dormant Account Fee (per annum) $ after 5 years of inactivity, $1, after TELEGRAPHIC TRANSFER OF FUNDS 3.1 Inward $2, $2, $2, $0.00 0% $0.00 0% 3.2 Outward $3, $3, $3, $0.00 0% $0.00 0% 4.0 E-BANKING 4.1 Automated Banking Machine (ABM) Using Own Machine: Withdrawal $33.00 $33.00 $33.00 $0.00 0% $0.00 0% Deposit Free Free Free $0.00 0% $0.00 0% Enquiry Free Free Free $0.00 0% $0.00 0% Transfer $33.00 $33.00 $33.00 $0.00 0% $0.00 0% Declined $12.10 $12.10 $12.10 $0.00 0% $0.00 0% Statement $22.00 $22.00 $22.00 $0.00 0% $0.00 0%

3 4.1.2 Using Other Machines: Withdrawal $58.00 $66.00 $66.00 $ % $0.00 0% Deposit Free Free Free $0.00 0% $0.00 0% Enquiry $32.00 $32.00 $32.00 $0.00 0% $0.00 0% Transfer $58.00 $66.00 $66.00 $ % $0.00 0% Declined $32.00 $33.10 $33.10 $1.10 3% $0.00 0% Statement N/A N/A N/A N/A N/A N/A N/A Fee Per Transaction $16.50; Fee Per Transaction $16.50; Declined Multilink Transaction Fee Per Transaction $20.00; Declined Fee Per Transaction $3.50; Declined Multilink Fee Per Transaction 21%; Declined Multilink Transaction 4.2 Point of Sale Transactions Declined Multilink Transaction $19.25 $19.25 Multilink Transaction $19.25 $0.00 0% Transaction $0.00 0% 4.3 Internet Banking: Personal Enquiry Free Free Free $0.00 0% $0.00 0% Funds Transfer Free Free Free $0.00 0% $0.00 0% Corporate Enquiry Varying package options Varying package options Varying package options N/A N/A N/A N/A Funds Transfer Varying package options Varying package options $ $76.00 N/A N/A $ $ % 5.0 DEPOSITORY 5.1 Deposit Wallets (range of rental charges per annum) $5, Small $5, Small $5, Small $0.00 0% $0.00 0% 5.2 Safety Deposit Boxes (range of rental charges per annum) $1, $22, depending on size $1, $22, depending on size $1, $22, depending on size $0.00 0% $0.00 0% 6.0 LOANS AND DISCOUNTS 6.1 Commitment/Acceptance Fee Secured Facility 1.55% x 1% of amount Minimum $18, Facility 0.775% of amount, Min $18, Secured Facility 1.55% of amount Minimum $18, Readily Realized Collateral Secured Facility 0.775% of amount, Min $9, Secured Facility 1.55% of amount Minimum $18, Readily Realized Collateral Secured Facility 0.775% of amount, Min $9, Readily Realized Collateral Secured Facility ($9,000.00) Change on Minimum amount Readily Realized Collateral Secured Facility '-94% Change on Minimum amount $0.00 0% 6.2 Annual Renewal Fee 6.3 Overrun/ Over Limit Fee 6.4 Late Payment/ Penalty Fee Secured Facility 1.20% of amount. Facility 0.6% of amount. Minimum fee $15, and Maximum fee $600, $ 2, plus application fee of 0.65 x 1% of amount of increase. Minimum application fee is $6, $1, Secured Facility 1.20% of amount. Facility 0.6% of amount. Minimum fee $7, and Maximum fee $600, $ 2, plus application fee of 0.65 x 1% of amount of increase. Minimum application fee is $6, $1, Secured Facility 1.20% of amount. Readily Realized Collateral Secured Facility 0.6% of amount. Minimum fee $7, and Maximum fee $600, ($7,500.00) Minimum charge -50% Minimum charge $0.00 0% $ 2, plus application fee of 0.65 x 1% of amount of increase. Minimum application fee is $6, $0.00 0% $0.00 0% $1, $0.00 0% $0.00 0%

4 6.5 Guarantees/Indemnities: Personal N/A N/A N/A N/A N/A N/A N/A Corporate US$ US$ US$ $0.00 0% $0.00 0% 6.6 Letter of Undertaking $5, per letter $5, per letter $5, per letter $0.00 0% $0.00 0% 7.0 CREDIT CARD 7.1 Annual Membership Fee: Business Card, Dual Business Card, Local Classic, Local Gold) $2, $8, $2, $8, $2, $8, $0.00 0% $0.00 0% Gold) $4, $10, $4, $10, $4, $10, $0.00 0% $0.00 0% Other (Scotia Line) $6, $6, $6, $6, $6, $6, $0.00 0% $0.00 0% 7.2 Cash Advance Charge: Visa (Classic Gold, Platinum, Corporate Commercial),Dual Classic, Dual Gold, Local Business Card, Dual Business Card, Local Classis, Local Gold) 7.00% of advance. Min. $ % of advance. Min. $ % of advance at ABM & Scotia Online.10.00% of advance in Branch. Min. $ $0.00 0% N/A 0% at ABM & Scotia Online. 3% of advance in Branch Gold) 7.00% of advance. Min. $ % of advance. Min. $ % of advance at ABM & Scotia Online.10.00% of advance in Branch. Min. $ $0.00 0% N/A 0% at ABM & Scotia Online. 3% of advance in Branch Other (Scotia Line) N/A N/A N/A N/A N/A N/A N/A 7.3 Late Payment Charge: Business Card, Dual Business Card) $2, $2, $2, $0.00 0% $ % Gold) $2, $2, $2, $0.00 0% $ % Other (Scotia Line) $1, $1, $2, $0.00 0% $ % 7.4 Overlimit Charge: Business Card, Dual Business Card) $2, $2, $2, $0.00 0% $ % Gold) $2, $2, $2, $0.00 0% $ % Other (Scotia Line) $1, $1, $2, $0.00 0% $ % 7.5 Replacement Card Fee: Business Card, Dual Business Card, Local Classic, Local Gold) $1, $4, $1, $4, Gold) $ $2, $ $2, Visa (Preferred Gold) - Free; Visa $1, $4, $0.00 0% $0.00 0% Mastercard (Scotia Gold/Platinum) - Free; Mastercard $ $2, $0.00 0% $0.00 0% Other N/A N/A N/A N/A N/A N/A N/A

5 8.0 MISCELLANEOUS CHARGES 8.1 Foreign Cheque negotiated USD 1.00 per cheque encashed + Stamp duty USD 1.00 per cheque encashed USD 1.00 per cheque encashed USD % USD % 8.2 Foreign Draft (sold) $ $ $ $ % $0.00 0% 8.3 Manager's Cheque: Bank Customer $ $ $ $ % $0.00 0% Non-bank Customer $ $1, $ % $ % 8.4 Money Order $ $ $ $0.00 0% $0.00 0% $ in Branch; 8.5 Standing Order $ $ On-line processed - Free $0.00 0% $ $ % - 6% 8.6 Certification of Account Bal./Reference Letter $1, $1, $1, $0.00 0% $ % 8.7 Cheque Encashment Fee: Own Bank N/A $ $ $ % $0.00 0% Other Banks' Cheque $ $ $ $0.00 0% $0.00 0% Deposits to employees a/cs from list : Deposits to employees a/cs with Deposits to employees a/cs with Deposits to employees a/cs with Deposits to employees a/cs Deposits to employees Deposits to employees a/cs $ per account for BNS a/cs deposit slips or from list : $ deposit slips or from list : $ per deposit slips or from list : $30.00 with deposit slips or from list a/cs with deposit slips or with deposit slips or from and $ per account+ cost of per account for BNS a/cs and account for BNS a/cs and $ per per account for BNS a/cs and : 9% per account for BNS from list : $ per list : 32% per account for managers cheque for other Banks $ per account+ cost of account+ cost of managers cheque. $ per account+ cost of a/cs and 6% per account+ account for BNS a/cs and BNS a/cs and 13% per a/cs.filling envelopes, recording managers cheque. Filling Filling envelopes, with names, amounts managers cheque. Filling cost of managers cheque. $70.00 per account+ cost account+ cost of managers names and amounts from list: envelopes, with names, amounts etc., already recorded thereon by envelopes, with names, amounts Filling envelopes, with of managers cheque. cheque. Filling envelopes, $ per envelope. Filling etc., already recorded thereon by Employer $ per envelope.filling etc., already recorded thereon by names, amounts etc., Filling envelopes, with with names, amounts etc., envelopes, with names, amounts Employer $ per envelopes, recording names and Employer $15.00 per already recorded thereon names, amounts etc., already recorded thereon by etc., already recorded thereon by envelope.filling envelopes, amounts from list: $ per envelope.filling envelopes, by Employer 3% per already recorded thereon Employer 20% per Employer $ per envelope. recording names and amounts from envelope. Making payment in cash in recording names and amounts envelope.filling envelopes, by Employer $ per envelope.filling envelopes, Making payment in cash in Bank from list: $ per envelope. Making Bank from list supplied by Employer: from list: $30.00 per envelope. recording names and envelope.filling recording names and list supplied by Employer: $ payment in cash in Bank from list $ per name. Preparation of Making payment in cash in Bank amounts from list: 5% per envelopes, recording amounts from list: 17% per per name. Preparation of Payroll supplied by Employer: $ per Payroll Breakdown $4.50 per $1, from list supplied by Employer: envelope. Making payment names and amounts from envelope. Making payment Breakdown $4.25 per $1, name. Preparation of Payroll $30.00 per name. Preparation of in cash in Bank from list list: $ per envelope. in cash in Bank from list Breakdown $4.50 per $1, Payroll Breakdown $0.25 per supplied by Employer: 5% Making payment in cash in supplied by Employer: 17% $0.00 per name. Preparation of Bank from list supplied by per name. Preparation of Payroll Breakdown 6% per Employer: $ per Payroll Breakdown 0% %0 name. Preparation of Payroll Breakdown $ Payroll Preparation 8.9 Audit Confirmation 8.10 Voucher Search $2, per Certificate plus $1, per hour for detailing securities $1, per hour or part thereof, Minimum $1, $2, per Certificate plus $1, per hour for detailing securities $1, per hour or part thereof, Minimum $1, $2, per Certificate plus $1, per hour for detailing securities $0.00 0% $ per Certificate 5% per Certificate $1, per hour or part thereof, Minimum $1, $ % $0.00 0% Source: Information submitted to the Bank of Jamaica by the Commercial Bank as at 31 December of the respective years. Notes: (i). Fees and Charges reflect a sample of the fees applicable to the bank's products / services, and are not to be interpreted as an exhaustive list. (ii) Fees and Charges include applicable taxes. (iii) A 100% increase and represents either a doubling of the particular fee or charge, or instances where the fee or charge is being introduced or re-introduced after a period of discontinuation. (iv) N/A - Service not applicable to institution.