The Bank of Nova Scotia St. Vincent 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 of The Bank of Nova Scotia, used under licence.
Contents Personal Deposit Accounts... Small Business & Commercial... Personal Lending Products... Personal Credit Cards... Funds Transfer & Foreign Exchange... Miscellaneous.. Self-Service Banking... Page 3-6 7-9 10-11 12 13 13 14 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 stvincent.scotiabank.com - Notice in the branches - Advertisement - Notice in writing - Email 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
EVERYDAY BANKING TOTAL ACCESS Account Monthly Fee $10.00 Currency Minimum Opening Balance $0.00 Number of transactions included 10 branch/cheque transactions, unlimited self-service transfers between Scotiabank Accounts & unlimited proprietary electronic transactions Transaction Fees Branch transactions/cheque $2.00 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 $5.00 Currency Minimum Opening Balance $0.00 Items Unlimited self-service transactions on proprietary channels Transaction Fees Branch transactions/cheque $5.00 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
Primary Savings Account Monthly Fee $3.50 Minimum Balance required to waive monthly fee $500.00 Currency Minimum Opening Balance $0.00 Number of transactions included Unlimited self-service transfers between Scotiabank Accounts Transaction Fees Branch transactions/cheque $3.00 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 SPECIALTY ACCOUNT- Foreign Currency Account Monthly Fee $1.50 Minimum Balance required to waive monthly fee $500.00 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 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
Age Based Accounts Primary Savings Junior Account Minimum Monthly Fee Currency Opening Balance $0.00 Items 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 Unlimited self-service Transfers between Scotiabank Accounts Non-Scotiabank ATM Fees apply, Regular sundry fees apply No Calculated and paid monthly Quarterly 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 Opening Balance $0.00 Number of transactions included 10 - Branch/Cheque plus Unlimited self - service 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 5 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
Electronic Access Youth Age 18-25 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
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 USD $15.00 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 Transfer - $1.00 Cash/Coin Deposited (in Branch) $1.00 per $1,000 Cash/Coin Deposited (Night Deposit) $0.50 per $1,000 7
SMALL BUSINESS & COMMERCIAL FINANCING CREDIT LINE Application Fees 1 % Commitment Fee Nil Minimum Overdraft Interest $40.00 Administration Fee (over-run) 0.50%, Min $250.00 Renewal Fee 0.50%, Min $250.00 OVERDRAFT PROTECTION Application Fees $100.00 Commitment Fees $0.00 $20.00 Monthly Fee Branch: Debit - $1.75, Credit - $1.25, Transfer - $1.25 ABM: Debit - $1.50, Credit -$1.00, Transfer - $1.00 TERM FINANCING (LOANS) Application Fee 1% of Loan Amount DEMAND LOANS Application Fees 1% of Loan Amount Application Fees (urgent reviews) ¾% - 3% of amount of increase, Min $100.00 Overrun Fee $40.00 Administration Fees $25 - $1,000 per occassion (monitoring of conditions) Breach of Conditions 1% payment amt. Min $25. Other Fees Certification of Balance of account $30.00 Telephone Inquiry on a regular basis $10.00 Items deposited subsequently charged back $25.00 Transfer between accounts to cover cheques $10.00 Search for vouchers $10.00 per item or $20.00 per hour Non-Sufficient Funds (NSF) $75.00, $50.00USD Certified Cheque $20.00, $10.00USD Stop Payment $30.00, $60.00USD Duplicate Statements $10.00 8
Annual Fee Replacement Wallet Disposable bags (100 bags) Replacement Keys Replacement Locks Night Depository Payroll Preparation $200.00 $200.00 $100.00 $75.00 + cost $200.00 + 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 $120.00 Online $90.00 Safety Deposit Box 1 1/2 X 5 x 24 $150.00 2 1/2 x 5 x 24 $175.00 5 ½ x 5 x 24 $200.00 Drilling of Safety Deposit Box $100 + Costs Replacing Lock $100,Min. Lost or Broken Keys $100.00 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 2 free visits per month 9
RETAIL LENDING PRODUCTS Residential Mortgage Application Fees (Straight Purchases) 1% of Approved Loan Amount, Min. $100 Application Fees 1% of Approved Loan Amount, Min. $500 (Construction Loans) Commitment Fees 1% of Approved Loan Amount, Min. $500 (Construction Loans) Government Stamp Fees & Depends on Loan Amount, and Legal Fees charge varies by lawyer. (Paid by the customer) Late Payment Fee $65.00 Loan Refinancing/ 1% charged on new funds Renegotiating Fee Construction Stage Payments 1% above regular Mortgage Interest (Interest only paid Rate on Construction Loans) Renewal Fee (Charge incurred for renewing your Mortgage with the Bank) No renewal fee charged Prepayment Fee (Charge 90 days interest on any incurred on any prepayment prepayment made in excess of amounts made in excess of the amount entitled to for the amount specified in your any one calendar year as set out PCA for any one calendar year in your PCA (Personal Credit Agreement). Real Estate Loans Application Fee 1% of Approved Loan Amount or Min. $100.00 Government Stamp Fees & Depends on Loan Amount, and Legal Fees charge varies by lawyer. Late Payment Fee $65.00 Personal Loans (SPL) Private Vehicles & Other Consumer Loans Application Fee 1% of Approved Loan Amount or Min. $100.00 Late Payment Fee (after $65.00 10 days delinquency) Loan Refinancing/ 1% charged on new funds Renegotiating Fee 10
LINE OF CREDIT SCOTIALINE GOLD PERSONAL LINE OF CREDIT Annual Fee Over limit Fees (Charge incurred monthly whenever the ScotiaLine is over the Limit) $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 $40.00 Fee for replacing an additional or replacement statement $5.00 Fee for replacing lost or damaged Scotialine Gold card $30.00 $200.00 for Primary Borrower; $0.00 for Coborrower SCOTIALINE PERSONAL LINE OF CREDIT Annual Fee $150.00 for Primary Borrower; $75.00 for Co-borrower Over limit Fees (Charge incurred monthly whenever the ScotiaLine is over the Limit) $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 $40.00 Fee for replacing an additional or replacement statement $5.00 11
Personal Credit Cards Standard Cards Annual (Membership) Fee $85.00 Additional Card $0.00 Cash Advance Fee Dishonored Cheque Charge (NSF) Returned Cheque Charge $0.00 Late Payment Fee $75.00 Over limit Fee $75.00 3%, Min $10.00 $45.00 Replacement Card Fee-Lost, $30.00 damaged or stolen Copy of Transaction/Charge Slip $5.00 Statement Copy Fee $5.00 Interest Rate (per annum) 19.99% Gold Cards Annual (Membership) Fee $190.00 Additional Card $0.00 Cash Advance Fee 3%, Min $10.00 Dishonored Cheque Charge (NSF) $45.00 Returned Cheque Charge $0.00 Late Payment Fee $75.00 Over limit Fee $75.00 Replacement Card Fee-Lost, damaged or stolen $30.00 Copy of Transaction/Charge Slip $5.00 Statement Copy Fee Interest Rate (per annum) $5.00 19.99% Personal Credit Cards (Speciality Cards) AAdvantage MasterCard Annual (Membership) Fee $75.00 Additional Card $0.00 Cash Advance Fee Dishonored Cheque Charge (NSF) Returned Cheque Charge $0.00 Late Payment Fee $65.00 Over limit Fee $65.00 3%, Min $10.00 $45.00 Replacement Card Fee-Lost, $30.00 damaged or stolen Copy of Transaction/Charge Slip $5.00 Statement Copy Fee $5.00 Interest Rate (per annum) 19.99% 12
FUNDS TRANSFERRED AND FOREIGN EXCHANGE Mail Transfers (Local) $10.00 Mail Transfers (Overseas) Managers Cheques/Drafts $75.00+Commission $15 $10.00+stamp duty Telegraphic Transfers $75.00+Commission $15 Incoming Transfers $20.00 Conversion of FX to draft re Incoming Transfers 1% (at Manager s Discretion) Charge for drafts sold when FX $10.00 + Stamp Duty cheque is presented Payment of FX in same currency 2% MISCELLANEOUS CHARGES Audit Certificates $30.00 Standing Orders (Bankers' orders) $10.00 Draft Tracers (Mailed & faxed) $10.00/$18.00 Credit Reports for Customers benefit $30.00 Utility Bills $5.00 Photocopies (per item) $5.00 Transfers between accounts $10.00 13
Self Service Banking Visa Debit Card ATM Withdrawal locally/regionally at Non-Scotiabank ATM ATM Withdrawal at ATM internationally $12.00 $5.00 + 2% 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 POS use regionally POS use internationally $2.00 FREE 2.0% of the transaction amount 14
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