Scotiabank (Bahamas) Ltd. Retail Banking Rates And Fees

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Basic Access Account Everyday Banking Accounts Minimum Monthly Fee $2.00 For Balances under $500.00 Minimum Opening Balance $50.00 2 Branch or Cheque Debits Branch( includes transfers) $1.50 ATM Mini Statement $0.05 Scotiabank (Bahamas) Ltd. Retail Banking Rates And Fees Total Access Account Minimum Monthly Fee $12.50,USD,CAD,GBP,EUR Minimum Opening Balance $300.00 18 transaction any channel Yes Electronic Access Account 1 Branch or Cheque Debit Minimum Monthly Fee $4.00 Minimum Opening Balance $300.00

Everyday Banking Accounts (continue) 1 free Branch or Cheque debit Branch( includes transfers) $2.00 Non-Scotiabank ATM fees apply ATM Mini Statement $0.05 Yes Primary Savings Account Minimum Monthly Fee $2.00 For Balances under $500.00,USD,CAD,GBP,EUR Minimum Opening Balance $500.00 1 debit transactions Branch( includes transfers) $1.50 Calculated daily and paid monthly ScotiaPlus Gold Minimum Monthly Fee None Minimum Opening Balance $50.000 3 debit transactions Calculated daily and paid monthly

Age Based Accounts Junior Account Minimum Monthly Fee None Minimum Opening Balance Any Amount 10 debit transactions Calculated daily paid monthly Senior s Account Minimum Monthly Fee None Minimum Opening Balance Any Amount 10 debit transactions Calculated daily paid monthly Scotia Be Money - Electronic Account Minimum Monthly Fee $3.00 for balances under $500.00 Minimum Opening Balance Any Amount Unlimited ATM Regular Non-Scotiabank ATM fees apply

Payroll Direct 0-200 employees $75.00 201-400 employees $150.00 401-600 employees $150.00 600+ employees $150.00 Day & Night s Opened disposable bags $25.00 Unopened disposable bags Lost/Broken Key $25.00 Safety Box Sm Safety Boxes (Annual Charge) $50.00 Med Safety Boxes (Annual Charge) $70.00 Lg Safety Boxes (Annual Charge) $100.00 Extra Lg Safety Boxes (Annual Charge) $180.00 Replacement/Lost Key $15.00 Drilling of Safety Box $100.00 Replacing Lock min $200 Residential Mortgage Application Fee $75 Commitment Fees 2% Government Stamp Fees 2% Legal Fees 2.50% Early Repayment Charges 3 mnts int Loan Refinancing/Renegotiating Fee $0.00 Mortgage Satisfaction $100.00 Construction Stage Payments $0.00 Copies of Appraisals $0.00 Annual Review of credit facilities $0.00 Notary Fee $0.00 Real Estate Application Fee $75.00 Commitment Fees 2.00% Government Stamp Fees 2.00% Legal Fees 2.50% Early Repayment Charges Loan Refinancing/Renegotiating Fee Mortgage Satisfaction $100.00 Construction Stage Payments Copies of Appraisals $0.00 Annual Review of credit facilities $0.00 Notary Fee $0.00

Personal Loans Private Vehicles Application Fee 1.00% Government Stamp Fees 2.00% Early Repayment Charges $0.00 Loan Refinancing Fee 1.00% Annual Review $0.00 Other Consumer Loans Application Fee 1.0% Government Stamp Fees 2.0% Early Repayment Charges $0.00 Loan Refinancing Fee 1.00% Annual Review $0.00 Personal Credit Cards Basic and Classic Cards Annual (Membership) Fee $45.00 Cash Advance Fee (per $1000) $3.00 Additional Card(s) (each) $20.00 Interest Rate (per annum) 18.00% Gold Cards Annual (Membership) Fee $85.00 Cash Advance Fee (per $1000) $3.00 Additional Card(s) (each) $20.00 Interest Rate (per annum) 18.00%

Personal Credit Cards(Specialty Cards) Basic and Classic Cards Annual (Membership) Fee $70.00 Cash Advance Fee (per $1000) $30.00 Additional Card(s) (each) $25.00 Interest Rate (per annum) 18.00% Gold Cards Annual (Membership) Fee $119.00 Cash Advance Fee (per $1000) $3.00 Additional Card(s) (each) $49.00 Interest Rate (per annum) 17.99% Immediate Load Regular Load