The Bank of Nova Scotia Anguilla 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... Sundry Fees... Personal Lending Products... Personal Credit Cards... Small Business & Commercial... Payroll... Page 3-5 6-7 8-9 10 11-13 13 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 anguilla.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 XCD: $13.00 USD: $5.00 Currency XCD/USD Minimum Opening Balance $25.00 Items 10 (XCD) / 5 (USD) branch/cheque transactions, unlimited self-service transfers between Scotiabank Acc & Unlimited Proprietary electronic transactions, unlimited deposit (USD Only) Transaction Fees Branch transactions/cheque ATM withdrawals & deposits (per item) ATM Mini Statement Proprietary ABM Proprietary POS Other Internet, Mobile, Telephone & POS Cheque writing privilege Pays Interest Statement Frequency Overdraft available Other XCD$3.00/USD$2.00 with Scotiacard, XCD$5.00/USD$5.00 without Scotiacard Non-Scotiabank ATM Fees apply, Regular sundry fees apply Yes No Interest Paid Quarterly Yes, subject to normal lending criteria Available for Sales to Residents of CANADA ELECTRONIC ACCESS Account Monthly Fee XCD: $6.00 USD: $4.00 Currency XCD/USD Minimum Opening Balance $25.00 Items Unlimited self-service transactions on proprietary channels, unlimited deposits (USD Only) Transaction Fees Branch transactions/cheque XCD$6.00/USD$4.00 with Scotiacard, XCD$7.00/USD$7.00 without Scotiacard Proprietary ABM Proprietary POS ATM withdrawals & deposits ATM Mini Statement Other 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 3
PRIMARY SAVINGS Account Monthly Fee XCD: $5.00 USD: $1.50 Minimum Balance required to waive monthly fee XCD: $500 USD: $200 Currency XCD/USD Minimum Opening Balance $25.00 Number of transactions included Branch: 1. Unlimited selfservice transfers between Scotiabank Accounts. Unlimited deposits (USD Only) Transaction Fees Branch transactions XCD$5.00/USD$3.00 with Scotiacard, XCD$7.00/USD$5.00 without Scotiacard Proprietary ATM withdrawals (per item) XCD$1.50 USD$1.00 ATM Mini Statement ATM deposits Proprietary POS Other Internet,Mobile,Telephone & POS Cheque writing privilege Pays Interest Non-Scotiabank ATM Fees apply, Regular sundry fees apply NO Calculated and paid monthly Quarterly Statement Frequency Overdraft available No Other ASP/SSRP Eligible - 1% bonus interest on ASP Contributions SIGNATURE SAVINGS ACCOUNT (Not available for new customers) Monthly Fee XCD $5.00 USD: $2.00 Minimum Balance required to waive monthly fee XCD: $1000 USD: $500 Items 1 free transaction any channel, unlimited deposits and unlimited self-service transfers between Scotiabank Accounts Transaction Fees Branch XCD: $5.00 USD: $3.00 Proprietary ABM XCD: $5.00 USD: $3.00 Proprietary POS 4
Age Based Accounts PRIMARY SAVINGS JUNIOR Ages 0-17 years of age opened with Parent or Guardian Minimum Monthly Fee None Currency XCD/USD Opening Balance $25.00 Transaction Fees Branch withdrawals XCD$3.00 USD$2.00 Deposits (Branch & ATM) ATM withdrawals (per item) XCD$1.50 USD$1.00 ATM Mini Statement Other 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 TOTAL ACCESS SENIOR Age 60 years and older. A younger spouse or relative is also eligible for a joint account Monthly Fee None Currency XCD/USD Opening Balance $25.00 Number of transactions included 10 XCD & 5 USD transactions plus UNLIMITED SELF-SERVICE debit transactions Transaction Fees Branch/cheque Transactions XCD$2.00 US$1.50 ATM withdrawals (per item) USD/XCD ATM Deposits ATM Mini Statement Other Non-Scotiabank ATM Fees apply, Regular sundry fees apply. Internet,Mobile,Telephone & POS Deposit Cheque writing privilege Yes for XCD Currency Pays Interest Calculated and paid monthly Statement Frequency Quarterly Overdraft available Yes, subject to lending criteria Discounts 25% off Safety Deposit Box fee, Standing Orders and Drafts ELECTRONIC ACCESS YOUTH Age 18-25 years Monthly Fee XCD$3.00 US$1.50 Currency XCD/USD Opening Balance $25.00 Number of transactions included Unlimited self-service transactions Transaction Fees Branch transactions/cheque XCD$5.00 USD$3.00 ATM Non-Scotiabank ATM fees apply ATM Deposit ATM Mini Statement Cheque writing privilege Yes Pays Interest No Statement Frequency Quarterly Overdraft available Yes, subject to normal lending criteria 5
SUNDRY FEES FUNDS TRANSFERRED AND FOREIGN EXCHANGE Managers Cheques/Drafts Local: $20.00/Foreign: $45.00 Mail Transfers: Inland Local $20.00 Overseas $10.00 Telegraphic Transfers Caribbean/ Overseas Incoming Transfers Conversion of FX to draft re incoming Transfers USD$40.00 $15.00 per payment 1% (at Manager's discretion) Charge for drafts sold when FX cheque is presented $1- $999 = 1%, $1000 - $24999=1/2%, $25000-$49999= 1/4%, over $50,000 = 1/3% SAFETY DEPOSIT BOX 1 1/2 X 5 x 24 XCD$125.00 2 1/2 x 5 x 24 XCD$175.00 5 1/2 x 5 x 24 XCD$200.00 2 3/4 x 10 x 24 XCD$225.00 5 x 10 x 24 XCD$300.00 Drilling of Safety Deposit Box XCD$50.00 + Costs Replacing Lock min $200 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 Listing contents for Estate purposes XCD$25.00 per hour per employee, Min $25.00 MISCELLANEOUS CHARGES Audit Certificates $30.00 Standing Orders (Banker's Orders) $20.00 Cheque encashment non customer $10.00 Draft Tracers $10.00/$27.00 Credit Reports for Customers benefit $30.00 Utility Bills OTC non customer $10.00 per bill Photocopies (per item) $5.00 Fax messages at customers' request $32.00 Transfers between accounts $10.00 Duplicate statement/drafts $30.00 Service charge on Account closed Within 3 months $25.00 Self Service Banking Visa Debit Card ATM Withdrawal locally/ Regionally at Non-Scotiabank ATM XCD$12.00 ATM Withdrawal at ATM internationally XCD$5.00 + 2% of the transaction amount GLOBAL ATM Alliance ATM Machines. XCD$5.00 fee refunded, but network fee of 2% of Transaction Amount to be paid. 6
ATM withdrawal at SCOTIABANK ATM's worldwide Balance Enquiries & Declines (on a withdrawal at non-scotiabank ATM's within the country & Internationally POS use regionally POS use Internationally INTERNET BANKING MOBILE BANKING FREE XCD$2.50 FREE 1.5% of the transaction amount FREE FREE 7
RETAIL LENDING PRODUCTS Residential Mortgages Application Fee (Straight Purchases) Commitment Fees 1% OF APPROVED Loan Amount Government Stamp Fees & Legal Fees (PAID BY THE CUSTOMER) Legal Fees depends on the amount of Loan and the charges vary per lawyer. Stamp Fee.25%. Late Payment Fee US$20.00 XCD$55.00 Loan Refinancing/ Renegotiating Fee 1% of New Funds approved Construction Stage Payments (Interest only paid on Construction Loans) 1% above the regular Mortgage. Inspection fee Renewal Fee (Charge incurred for renewing your Mortgage with the Bank) Prepayment Fee (Charge incurred on any prepayment amounts made in excess of the amount specified in your PCA for any one calendar year. Application Fee Commitment Fee Government Stamp Fees & Legal Fees (PAID BY THE CUSTOMER) 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. Real Estate Loans 1% OF APPROVED Loan Amount Legal Fees depends on the amount of Loan and the charges vary per lawyer. Stamp Fee.25%. Personal Loans (SPL) Private Vehicles & Other Consumer Loans Application Fee Commitment Fee 1% OF APPROVED Loan Amount Late Payment Fee (after 10 days delinquency) US$20.00 XCD$55.00 Loan Refinancing/ Renegotiating Fee 1% of New Funds approved 8
PERSONAL LINE OF CREDIT SCOTIALINE GOLD PERSONAL LINE OF CREDIT (USD) Annual Fee USD$90.00 for Primary Borrower; $0.00 for Co-borrower Over limit Fees (Charge incurred monthly whenever the ScotiaLine is over the Limit) USD$30.00 Late Payment Fee (Applied to each payment made after the due date) USD$30.00 Dishonored payment (applied to each payment credited to your account that is subsequently returned to us unpaid USD$20.00 Fee for replacing an additional or replacement statement USD$5.00 Fee for replacing lost or damaged ScotiaLine Gold card USD$15.00 SCOTIALINE PERSONAL LINE OF CREDIT (USD) Annual Fee Over limit Fees (Charge incurred monthly whenever the ScotiaLine 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 Fee for replacing an additional or replacement statement USD $60.00 for Primary Borrower; USD$30.00 for Co-borrower USD$30.00 USD$30.00 USD$20.00 USD$5.00 OVERDRAFT PROTECTION Application Fee XCD$135.00 USD$50.00 Monthly Fee (Interest charges) MIN. Interest calculated on maximum daily balance XCD$25 USD$10.00 9
Personal Credit Cards (USD only) Standard Cards Annual (Membership) Fee $40.00 Additional Card $0.00 Cash Advance Fee 3.50%, min. $15.00 Dishonored Cheque Charge (NSF) $60.00 Returned Cheque Charge $50.00 Late Payment Fee $75.00 Over limit Fee $75.00 Replacement Card Fee $10.00 Copy of Transaction/Charge Slip $5.00 Statement Copy Fee $15.00 Interest Rate (per annum) 19.00% -21.99% Gold Cards Annual (Membership) Fee $75.00 Additional Card $0.00 Cash Advance Fee 3.50%, min. $15.00 Dishonored Cheque Charge (NSF) $60.00 Returned Cheque Charge $50.00 Late Payment Fee $75.00 Over limit Fee $75.00 Replacement Card Fee $10.00 Copy of Transaction/Charge Slip $5.00 Statement Copy Fee $15.00 Interest Rate (per annum) 19.00% -21.99% Personal Credit Cards (Specialty Cards) (USD ONLY) AAdvantage MasterCard Annual (Membership) Fee $50.00 Additional Card $0.00 Cash Advance Fee 3.50%, min. $15.00 Dishonored Cheque Charge (NSF) $60.00 Returned Cheque Charge $50.00 Late Payment Fee $75.00 Over limit Fee $75.00 Replacement Card Fee $10.00 Copy of Transaction/Charge Slip $5.00 Statement Copy Fee $15.00 Interest Rate (per annum) 19.00% -21.99% 10
SMALL BUSINESS & COMMERCIAL ACCOUNTS Small Business Operating Account XCD Monthly Maintenance Fee: XCD$10.00 XCD $1.00 transaction fee USD Monthly Maintenance Fee: USD$6.00 USD$1.50 transaction fee Cash/Coin Deposited (in Branch): $1.00 per $1,000 Cash/Coin Deposited (Night Deposit): $0.50 per $1,000 Current Account - Interest Bearing XCD Monthly Maintenance Fee: XCD$3.00 XCD $3.00 transaction fee Cash/Coin Deposited (in Branch): $1.00 per $1,000 Cash/Coin Deposited (Night Deposit): $0.50 per $1,000 Small Business Financing Term Financing (Loans) Application Fee Commitment Fee 1.00% CREDIT LINE Application Fees Commitment Fee 1.00% Minimum Overdraft Interest $25.00 Administration Fee (Over-run) 1/2%, minimum $250.00 Renewal Fee 0.25% OVERDRAFT FOR SMALL BUSINESS Application Fees Commitment Fee Minimum Overdraft Interest $35.00 Administration Fee Renewal Fee 0.25% Night Depository Wallet Rentals XCD$75.00 per annum Disposable bags XCD$60.00 for 100 Lost/Damaged Wallets XCD$50.00/USD$20.00 Lost/broken head door keys XCD$25.00/USD$10.00 Replacement/Lost Key XCD$25.00/USD$10.00 Lost Wallet key XCD$25.00/USD$10.00 Replacing Lock USD$15.00 Wallet 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 11
Other Small Business and Commercial Account Fees Certification of Balance of account XCD$25.00 USD$10.00 Certified Cheques XCD$20.00 USD$10.00 Non sufficient Funds (NSF) XCD$55.00 USD$25.00 Items deposited subsequently charged back XCD$25.00 USD$10.00 Minimum Overdraft Interest (Calculated on maximum daily balance) XCD$25.00 USD$10.00 Transfer between accounts to cover cheques XCD$12.00 USD$10.00 Search for vouchers $10.00 per item or $25.00 per hour Stop Payment Order XCD$20.00 USD$10.00 Duplicate Statements XCD$30.00 USD$15.00 Request to hold statements XCD$2.00 USD$1.00 Print screen of account XCD$2.00 USD$1.00 12
COMMERCIAL AND CORPORATE FINANCING TERM FINANCING (LOANS) Application Fee Commitment Fee 1% of amount borrowed Renewal Fee 0.25%, Min XCD$270.00 UD$100.00 DEMAND LOANS Application Fees Commitment Fee 1% of amount borrowed WIRE FEES COMMERCIAL & SMALL BUSINESS Branch $120.00 Online $100.00 Payroll Preparation 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 Scotiabank Branch- No charge, another branch or Bank $1.00, Min $25.00 $4.00 per envelope, Min $50.00 $4.00 per envelope, Min $50.00 $2.00 per name 13
Contact Us Call us at 264-498-2265 Visit our website at anguilla.scotiabank.com Visit our facebook page at www.facebook.com/scotiabankai Tweet us at @ScotiabankAI