THE BANK OF NOVA SCOTIA ST. VINCENT · THE BANK OF NOVA SCOTIA ST. VINCENT. 02 03 Contents Page Personal Deposit Accounts 3 - 6 Small Business & Commercial 7 - 9 Personal Lending

™Trademarks of The Bank of Nova Scotia, used under licence (where applicable).

SCHEDULE OF RATES

THE BANK OF NOVA SCOTIAST. VINCENT

02 03

Contents Page

Personal Deposit Accounts 3 - 6

Small Business & Commercial 7 - 9

Personal Lending Products 9 - 11

Personal Credit Cards 11 - 12

Funds Transfer & Foreign Exchange

13

Miscellaneous 13 - 15

svg.scotiabank.com

TOTAL ACCESS Account

Monthly Fee $10.00

Currency XCD

Minimum Opening Balance $0.00

Transaction Fees

Number of transactions included 10 - branch transactions/cheque, Unlimited self-service transfers between Scotiabank accounts

Branch transactions/cheque $2.00

ATM withdrawals & deposits (per item)

Free

ATM Mini Statement $1.00

Other Non-Scotiabank ATM Fees ap-ply, Regular sundry fees apply

Internet,Mobile,Telephone & POS Free

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 XCD


Transaction Fees

Number of transactions included UNLIMITED SELF-SERVICE

Branch transactions/cheque $5.00/$5.00

ATM withdrawals & deposits (per item)

Free


Other Non-Scotiabank ATM Fees apply, Regular sundry fees apply



Pays Interest No Interest Paid



EVERYDAY BANKING

04 05

Other Available for Sales to Residents of CANADA

PRIMARY SAVINGS AccountMonthly Fee $3.50 maintenance fee, if

balance goes below $500Currency XCD


Transaction Fees

Number of transactions included NONE, UNLIMITED SELF-SER-VICE TRANSFERS BETWEEN SCOTIABANK ACCOUNTS

Branch Transactions $3.00

ATM withdrawals (per item) $1.50


ATM deposits Free



Cheque writing privilege NO

Pays Interest Calculated MINIMUM Monthly paid monthly


Overdraft available No

Other ASP/SSRB Eligible - 1% bonus interest on ASP Contributions

SPECIALTY ACCOUNT- Foreign Currency AccountMonthly Fee $1.50 maintenance fee, if

balance goes below $500

Currency USD

Opening Balance $500

Transaction Fees

Number of transactions included None


ATM withdrawals ( per item) $1.00





Pays Interest No



Age Based Accounts

PRIMARY SAVINGS JUNIOR Ages 0-17 years of age- opened with Parent or Guardian

Minimum Monthly Fee None

Currency XCD

Opening Balance $0.00

Transaction Fees

Branch withdrawals $3.00

Deposits (Branch & ATM) Free

ATM withdrawals (per item) $1.50




Cheque writing privilege 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


Transaction Fees

Number of transactions included 10 transactions plus UNLIM-ITED SELF-SERVICE debit transactions


ATM withdrawals (per item) Free

ATM Deposits Free


Other Non-Scotiabank ATM Fees apply, Regular sundry fees apply, except as indicated below.






Other 25% off Safety Deposit Box fee, FREE Travellers cheques, Stand-ing Orders and Drafts

06 07

Electronic Access Youth Age 18 - 25 years.

Monthly Fee $3.00

Currency XCD


Transaction Fees

Number of transactions included UNLIMITED SELF-SERVICE debit transactions

Branch transactions/cheque $5.00

ATM Unlimited, Regular Non-Scotia-bank ATM fees apply

ATM Deposit Free



Pays Interest No



Basic Business Account & Savings AccountXCD $20.00 Maintenance Fee

6 Free Transactions per month for average monthly balances over $1,000.00

$1.30 transaction fee

SB CURRENT ACCOUNT - INTEREST

Monthly Fee NIL

All debit transactions $3.00

All credit transactions $3.00

NSF Cheque $30.00

SMALL BUSINESS FINANCING

TERM FINANCING (LOANS)

Application Fee 1% of amount granted

CREDIT LINE

Application Fees 1% of amount granted

Application Fee (urgent reviews) 3/4% - 3% of the amount of the increase, Min $100.00

Overrun Fees $40.00

Minimum Overdraft Interest $40.00

Administration Fee (monitoring of conditions)

$25.00- $1,000 per occasion

Breach of Conditions 1% payment amount min $25.00

OVERDRAFT PROTECTION

Application Fees $100.00

Commitment Fee $0.00

Minimum Overdraft Interest $40.00



Renewal Fee NIL

SMALL BUSINESS ACCOUNTS

Basic Business Account & Foreign Currency Account

XCD $20.00 Maintenance Fee

6 Free Transactions per month for average monthly balances over $1,000.00


USD $15.00 maintenance fee

6 Free transactions per month for balances over $1,000 $1.30 Transaction Fee

INTEREST BEARING Savings (XCD)


CURRENT ACCOUNT - INTEREST

Monthly Fee NIL

All debit transactions $3.00

All credit transactions $3.00

NSF Cheque $30.00

TERM FINANCING (LOANS)

Application Fee 1% of amount granted

DEMAND LOANS

Application Fees 1 % of amount granted

Application Fee (urgent reviews) 3/4% - 3% of the amount of the increase, Min $100.00

Overrun Fees $40.00



Breach of Conditions 1% payment amount min $25.00

Other Fees

Certification of Balance of account $30.00

Telephone Inquiry on a regular basis $10.00

Cheques Certified $25.00

Cheques returned NSF $40.00

Items deposited subsequently charged back

$25.00

Minimum Overdraft Interest (Calculated on maximum daily balance)

$40.00

Overdraft Handling Charge $40.00

Transfer between accounts to cover cheques

$10.00

Search for vouchers $10.00 per item or $20.00 per hour

Stop Payment Order $30.00

Duplicate Statements (per copy) $10.00

Application Fee (Straight Purchases)

1% OF APPROVED Loan Amount, Min $100.00

Commitment Fees ( Construction Loans only) Application Fees (Construction Loans)

1% of approved Loan Amount, Min $500.00 plus 1% of ap-proved Loan amount

Government Stamp Fees & Legal Fees (PAID BY THE CUSTOMER)

Depends on the amount of Loan and the charges vary per lawyer.

Late Payment Fee $65.00

Loan Refinancing/Renegotiat-ing Fee

Charged on new funds only 1% of approved Loan Amount.

Construction Stage Payments (Interest only paid on Construc-tion Loans)

1% above regular Mortgage Interest Rate.

Renewal Fee (Charge incurred for renewing your Mortgage with the Bank)

No renewal fee charged

Prepayment Fee (Charge incurred on any prepayment amounts made in excess of the amount specified in your PCA for any one calendar year.

90 days interest on any prepay-ment made in excess of the amount entitled to for anyone calendar year as set out in your PCA (Personal Credit Agreement.)

COMMERCIAL & CORPORATE FINANCING

08 09

COMMERCIAL ACCOUNTS

RETAIL LENDING PRODUCTSResidential Mortgage

Application Fee 1% OF APPROVED Loan Amount or min $100

Government Stamp Fees & Legal Fees (PAID BY THE CUS-TOMER)

Depends on the amount of Loan and the charges vary per lawyer.


Private Vehicles & Other Consumer Loans

Application Fee1% OF APPROVED Loan Amount or min $100

Late Payment Fee (after 10 days delinquency)

$65.00

Loan Refinancing/ Renegotiating Fee

Charged on new funds only 1% of approved Loan Amount.

Annual Fee 200.00 for Primary Borrower; $0.00 for Co-borrower

Over limit Fees (Charge incurred monthly whenever the Scotia-Line is over the Limit)

$75.00

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

$65.00

Transaction Fee $0.00

ScotiaLine cheque stop Payment fee

$20.00

Fee for replacing an additional or replacement statement

$5.00

Fee for replacing lost or dam-aged Scotialine Gold card

$30.00

Annual Fee $150.00 for Primary Borrower; $75.00 for Co-borrower

Over limit Fees (Charge incurred monthly whenever the Scotia-Line is over the Limit)

$75.00

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

$65.00

Transaction Fee (Applies to each transaction that exceeds five (5) transactions monthly.

$10.00

Fee for replacing an additional or replacement statement

$5.00

Overdraft Protection

Application Fee $100.00

Monthly Fee (Interest charges) MIN. Interest calculated on maximum daily balance

$30.00

Standard Cards

Annual (Membership) Fee $85.00

Additional Card $37.00

Cash Advance Fee Minimum $10.00 /3%

Dishonored Cheque Charge (NSF)

$45.00

Returned Cheque Charge NIL


Over limit Fee $75.00

Replacement Card Fee $30.00

Copy of Transaction/Charge Slip $5.00

Statement Copy Fee $5.00

Interest Rate (per annum) 19.99%

10 11

LINE OF CREDITSCOTIALINE “GOLD” PERSONAL LINE OF CREDIT

Real Estate Loans SCOTIALINE PERSONAL LINE OF CREDIT

Personal Loans (SPL)

Personal Credit Cards

Gold Cards



Cash Advance Fee Min $10.00 / 3%


$45.00

Returned Cheque Charge NIL




Copy of Transaction/Charge Slip

$5.00



AAdvantage MasterCard



Cash Advance Fee Minimum $10.00/ 3%


$45.00

Returned Cheque Charge No charge




Copy of Transaction/Charge Slip

$5.00



Mail Transfers

::::::Inland Local $10.00

:::::: Overseas $75.00 + Commission $15.00

:::::::Managers Cheques/Drafts $10.00 + Stamp Duty $0.15

Telegraphic Transfers $75.00 + Commission $15.00

Incoming Transfers $20.00

Conversion of FX to draft re incoming Transfers

1% (at Manager's discretion)

Incoming Transfers $15.00 per payment

Payment of F/X item in same currency

2%

Charge for drafts sold when FX cheque is presented

$10.00 + Stamp Duty $0.15

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

Fax messages at customers' request $20.00

Transfers between accounts. $10.00

Deposit to Employee's account or from List Charge

Scotiabank Branch- No charge, another branch or Bank $1.00, Min $25.00

Filling Envelopes with Names & Amounts already recorded

$2.50 per envelope, Min $50.00

Filling Envelopes with Names & Amounts not recorded

$2.50 per envelope, Min $50.00

Making Payments in Cash from a list supplied by employer

$3.00 per name, Min $50.00

Cash deposited/supplied $2.00 per $1,000

Coin deposited/supplies $3.50 per $100

12 13

Personal Credit Cards (Specialty Cards)

Payroll Preparation

Cash Processing

FUNDS TRANSFERRED AND FOREIGN EXCHANGE

1 1/2 X 5 x 24 $150.00

2 1/2 x 5 x 24 $175.00

5 x 5 x 24 $200.00

Drilling of Safety Deposit Box $100 + Costs

Replacing Lock min $100

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 $5.00

Night / Day Deposit Bags

Wallet Rentals N/A

Disposable bags $1.75 Small & $2.00 Large per bag

Lost/Damaged Wallets N/A

Lost/broken head door keys $50.00

Replacement/Lost Key $50.00 + Costs

Lost Wallet key N/A

Replacing Lock min $200

Wallet Rental Rebates N/A

Self Service BankingVisa Debit Card Free

ATM Withdrawal locally/Region-ally at Non-Scotiabank ATM

XCD$12.00

ATM Withdrawal at ATM inter-nationally

XCD$5.00 + 2% of the transac-tion amount

GLOBAL ATM Alliance ATM Machines.

XCD$5.00 fee refunded, but network fee of 2% of Transac-tion Amount to be paid

ATM withdrawal at SCOTIA-BANK ATM's worldwide

FREE

Balance Enquiries & Declines on a withdrawal at non-Scotiabank ATM's within the country & Internationally.

XCD$2.00

14 15

Safety Deposit Box POS use regionally FREE

POS use Internationally 1.5% of the transaction amount

POS Decline for insufficient funds internationally

XCD$2.50

INTERNET BANKING FREE

MOBILE BANKING FREE

(05/15)

Documents

THE BANK OF NOVA SCOTIA ST. VINCENT · THE BANK OF NOVA SCOTIA ST. VINCENT. 02 03 Contents Page Personal Deposit Accounts 3 - 6 Small Business & Commercial 7 - 9 Personal Lending