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

2 Contents Page Personal Deposit Accounts 3-7 Small Business & Commercial 7-8 Personal Lending Products 9-10 Personal Credit Cards 11 Funds Transfer & Foreign Exchange Miscellaneous stmaarten.scotiabank.com 02

3 EVERYDAY BANKING TOTAL ACCESS Account Monthly Fee 10.00/$6.00 Currency ANG/US$ Minimum Opening Balance $0.00 Transaction Fees Number of transactions included 5 / 10 - any channel, Unlimited self-service transfers between Scotiabank accounts Branch/Cheque ANG2.00/US$1.50 ATM withdrawals & deposits Free (per item) ATM Mini Statement ANG/US$1.00 Non-Scotiabank ATM Fees apply, Regular sundry fees apply Internet,Mobile,Telephone & POS Free Cheque writing privilege Pays Interest Statement Frequency Overdraft available ELECTRONIC ACCESS Account Yes No Interest Paid Quarterly No Monthly Fee 5.00/$3.00 Currency Available for Sales to Residents of CANADA ANG/US$ Minimum Opening Balance $0.00 Transaction Fees Number of transactions included UNLIMITED SELF-SERVICE Branch transactions Cheque ATM withdrawals & deposits (per item) ATM Mini Statement Internet,Mobile,Telephone & POS Free Cheque writing privilege Pays Interest Statement Frequency Overdraft available ANG5.00/US$3.00 ANG5.00/US$3.00 Free at Scotiabank & Affiliates ATM's/ Non Scotiabank ATM Fees apply ANG/US$1.00 Non-Scotiabank ATM Fees apply, Regular sundry fees apply Yes No Interest Paid Quarterly No Available for Sales to Residents of CANADA 03

4 Primary Savings Account Monthly Fee Currency ANG3.50 maintenance fee, if balance goes below ANG500 anytime during the statement cycle. US$1.50 maintenance fee, if balance goes below US$200 anytime during the statement cycle. ANG/US$ Minimum Opening Balance $0.00 Transaction Fees Number of transactions included NONE, UNLIMITED SELF-SER- VICE TRANSFERS BETWEEN SCOTIABANK ACCOUNTS Branch ATM withdrawals ( per item) ATM Mini Statement ANG3.00/US$2.00 ANG1.50/US$1.00 ANG/US$1.00 ATM deposits Free Non-Scotiabank ATM Fees apply, Regular sundry fees apply Internet,Mobile,Telephone & POS Free Cheque writing privilege Pays Interest Statement Frequency Overdraft available NO Calculated MINIMUM Monthly paid monthly Quarterly No ASP/SSRB Eligible - 1% bonus interest on ASP Contributions 04

5 Age Based Accounts PRIMARY SAVINGS JUNIOR Minimum Monthly Fee Currency Ages 0-17 years of age- opened with Parent or Guardian None ANG/US$ Opening Balance $0.00 Transaction Fees Branch withdrawals ANG3.00/US$2.00 Deposits (Branch & ATM) Free ATM withdrawals ( per item) ANG1.50/US$1.00 ATM Mini Statement ANG/US$1.00 Non-Scotiabank ATM Fees apply, Regular sundry fees apply Internet,Mobile,Telephone & POS Free Cheque writing privilege No Pays Interest Calculated MINIMUM Monthly paid monthly Statement Frequency Quarterly Overdraft available No Total Access Senior Age 60 years and older. A younger spouse or relative is also eligible for a joint account. Monthly Fee None Currency ANG/US$ Opening Balance $0.00 Transaction Fees Number of transactions included 10 transactions plus UNLIMITED SELF-SERVICE debit transactions Branch ANG2.00/US$1.50 ATM withdrawals ( per item) Free ATM Deposits Free ATM Mini Statement ANG/US$1.00 Non-Scotiabank ATM Fees apply, Regular sundry fees apply, except as indicated below. Internet,Mobile,Telephone & POS Free Cheque writing privilege Pays Interest Statement Frequency Overdraft available 05 Yes Calculated MINIMUM Monthly paid monthly Quarterly No 25% off Safety Deposit Box fee, FREE Standing Orders and Drafts AVAILABLE ONLY to residents of Dutch St. Maarten.

6 Electronic Access Youth Monthly Fee Currency Age years. ANG3.00/US$1.50 ANG/US$ Opening Balance $0.00 Transaction Fees Number of transactions included UNLIMITED SELF-SERVICE debit transactions Branch transactions Cheque ATM ATM Deposit ATM Mini Statement Cheque writing privilege Pays Interest Statement Frequency Overdraft available ANG5.00/US$2.00 ANG5.00/US$1.50 Unlimited, Regular Non-Scotiabank ATM fees apply Free ANG/US$1.00 Yes No Quarterly No 06

7 SMALL BUSINESS ACCOUNTS Basic Business Accounts ANG10/US$5.50 if balance of account is at least below ANG/ US$ free entry allowed for every ANG/US$100 in account- ANG0.58/US$0.32 per entry. DEPOSIT CONTENT FEE (cash and coin) At the counter Night deposit 0.1% of each dollar deposited 0.05% of each dollar deposited SMALL BUSINESS FINANCING TERM FINANCING (LOANS) Application Fee 1% of amount. CREDIT LINE Application Fees 1% of amount approved Commitment Fee 1% of amount approved Minimum Overdraft Interest ANG18/US$10.00 Administration Fee (Over-run) ANG95.00/US$53.00 Renewal Fee 1/4% - 1/2% 07

8 COMMERCIAL ACCOUNTS ANG/US$ ANG10/US$5.50 if balance of account is at least below ANG/ US$ free entry allowed for every ANG/US$100 in account- ANG0.58/US$0.32 per entry. CORPORATE & COMMERCIAL FINANCING TERM FINANCING (LOANS) Application Fee Commitment Fee 1.00% DEMAND LOANS Application Fee Commitment Fee 1.00% DEPOSIT CONTENT FEE (cash and coin) At the counter Night deposit 0.1% of each dollar deposited 0.05% of each dollar deposited Fees Certification of Balance of account Telephone Inquiry on a regular basis Cheques returned NSF Items deposited subsequently charged back Minimum Overdraft Interest (Calculated on maximum daily balance) Overdraft Handling Charge ANG6/US$3.25 ANG18/US$10.00 ANG9/US$

9 RETAIL LENDING PRODUCTS Residential Mortgage Application Fee ANG180/US$100 Less than ANG/US$200,000 ANG250/US$140 More than ANG/US$200,001 Commitment Fees Discharge of Mortgage 1% of Loan amount. Late Payment Fee ANG50/US$28.00 Loan Refinancing/Renegotiating Fee Construction Stage Payments 1% above regular Mortgage (Interest only paid on Construction Interest Rate. Loans) Renewal Fee (Charge incurred for renewing your Mortgage with the Bank) Real Estate Inspection Fee NSF Payment Customer Letters (Residential) Statement of Interest Paid Application Fee Government Stamp Fees & Legal Fees (PAID BY THE CUSTOMER) Late Payment Fee Private Vehicles & Consumer Loans Application Fee Late Payment Fee (after 10 days delinquency) Loan Refinancing/Renegotiating Fee Inspection Fee Extension Fee Closing Fee ANG150/US$85.00 Real Estate Loans 1% application fee + 1% funding fee. Depends on the amount of Loan and the charges vary per lawyer. ANG50/US$28.00 Personal Loans (SPL) ANG100/US$55 for loans less than ANG/USD$10,000. ANG180/US$100 for loans more than ANG/US$10,001. ANG50/US$ % of unpaid balance for the month. 1% of new amount. 09

10 LINE OF CREDIT SCOTIALINE PERSONAL LINE OF CREDIT Annual Fee Over limit Fees (Charge incurred monthly whenever the ScotiaLine ANG50.00 is over the Limit) ANG90.00 for Primary Borrower; ANG45.00 for Co-borrower 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 ANG50.00 ANG19.00 Not sufficient funds (NSF) fee -(Applies to each Scotialine cheque drawn on your account that is returned due to insufficient credit available on your account.) ANG30.00 Transaction Fee (Applies to each transaction that exceeds five (5) transactions monthly. ScotiaLine cheque stop Payment fee ScotiaLine Cheque certified cheque fee Returned ScotiaLine cheque fee- (Applies whenever a ScotiaLine cheque is returned for any reason other than NSF (e.g.) cheque not signed.) Fee for replacing an additional or replacement statement ANG10.00 ANG19.00 NIL ANG30.00 ANG

11 Personal Credit Cards (Local Currency) Standard Cards Annual (Membership) Fee ANG80.00 Additional Card NIL Cash Advance Fee 3.00% Dishonored Cheque Charge (NSF) Returned Cheque Charge Late Payment Fee ANG50.00 Over limit Fee ANG50.00 Replacement Card Fee ANG35.00 Copy of Transaction/Charge Slip ANG30.00 Statement Copy Fee NIL Interest Rate (per annum) 18.00% Gold Cards Annual (Membership) Fee ANG Additional Card NIL Cash Advance Fee 3.00% Dishonored Cheque Charge (NSF) Returned Cheque Charge Late Payment Fee ANG50.00 Over limit Fee ANG50.00 Replacement Card Fee ANG35.00 Copy of Transaction/Charge Slip ANG30.00 Statement Copy Fee NIL Interest Rate (per annum) 18.00% FUNDS TRANSFERRED AND FOREIGN EXCHANGE Mail Transfers ::::::Inland Local :::::::Managers Cheques/Drafts (local & Overseas) 0.265%, Min ANG10/US$5.50. Max ANG29/Max US$ % for drafts less than ANG/USD$5,000. Minimum ANG10/US$5.50. Maximum ANG48/US$ % for drafts over ANG/ US$5,001 Minimum ANG29/US$ Maximum ANG200/US$

12 Telegraphic Transfers Incoming Transfers Conversion of FX to draft re incoming Transfers Payment of Foreign Currency Items in the same currency Duplicate Drafts Money Order 0.265% for TSF's less than ANG/USD$5,000. Minimum. 0.14% for TSF's over ANG/ US$5,001 Minimum ANG29/US$ Maximum ANG585/US$320. No charge if credited to an account, if paid in cash 2.12% 1% (at Manager's discretion) ANG9/US$5.00 MISCELLANEOUS CHARGES Audit Certificates ANG45/US$25.00 Standing Orders (Bankers' orders) Scotiabank to Scotiabank, same name no charge. 3rd Party/bank ANG13.00/ US$7.00 Draft Tracers (Mailed & faxed) ANG18/US$10.00 Credit Reports for Customers benefit Notice of Unclaimed Balances ANG10/US$5.50 Security Transactions- purchase & Sale Utility Bills ANG18/US$10.00 Photocopies (per item) Service Charge on accounts closed within 3 months Replace lost passbooks 3rd party withdrawal from Savings account, except Senior's Account. ANG4/US$2.25 Dormant Accounts (if no reply to notice is received) ANG9.50/US$5.50 Transfer between accounts to cover cheques Search for vouchers ANG45/US$25 PER HOUR, Min Stop Payment Order Duplicate Statements Payroll Preparation Deposit to Employee's account or from List Charge Scotiabank Branch- No charge, another branch or Bank ANG4.50/US$2.50 per name. 12

13 Safety Deposit Box 1 1/2 X 5 x 24 US$ /2 x 5 x 24 US$ /2 x 5 x 24 US$185 5 x 10 x 24 US$ x 10 x 24 US$370 Drilling of Safety Deposit Box Lost or broken keys SDB Rental Rebates As per locksmith's charge. ANG27/US$ /12 of annual rental for each unexpired full month; net charge first year must not be less than 1/12 annual rental Night / Day Deposit Bags Wallet Rentals Disposable bags Lost/Damaged Wallets Replacement/Lost Key/broken Head door & wallet Key Wallet Rental Rebates ANG88/US$48.00 per annum $1.00 per bag Full Relacement costs. ANG27/US$15.00 per annum 1/12 of unused rent remaining, minimum of 3 months rent retained. Self Service Banking Visa Debit Card Free ATM Withdrawal locally/regionally ANG % of transaction at Non-Scotiabank ATM amount /US$ % of transaction amount ATM Withdrawal at ATM ANG % of transaction internationally amount /US$ % of transaction amount Balance Enquiries at non-scotiabank ATM's within the country & Internationally. Declines at non-scotiabank ATM's within the country & Internationally for insufficient funds. POS Use Internationally POS Use regionally POS decline for insufficient funds. ANG1.00/US$0.56 ANG1.50/US$ % of the transaction amount FREE ANG1.50/US$0.83 INTERNET BANKING MOBILE BANKING FREE FREE 13

14 stmaarten.scotiabank.com ANSMA ANSMA (05/15)

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