Day-to-Day Banking Low Medium High Unlimited Transaction Transaction Transaction Transaction Accounts – At a Glance Accounts Account Account Account Basic Banking Powerchequing ® Basic Scotia Value ® Scotia One TM Account Account Banking Plan Account Account

Core Account Features & Fees Monthly Account Fee $3.95 $3.95 $8.95 $14.95 $11.95 Monthly account fee waiver with minimum daily closing balance Not applicable $1,000 $2,000 Not applicable $3,000 maintained for the entire month No. of debit transactions (any type, 12 unless specified) included in the (incl. 4 12 25 50 Unlimited monthly fee teller-assisted) Charge for each additional debit over the monthly limit $0.65 $0.65 $0.65 $0.65 Not applicable Monthly Recordkeeping Options & Fees Paperless Free Free Free Free Free Paper Statement Free $1.00 $1.00 $1.00 $1.00 Paper Statement with Cheque Image Return $2.00 $2.00 $2.00 $1.00 $2.00 Passbook $2.00 $2.00 $2.00 $2.00 $2.00 Other Optional Services/features & Fees** Bank The Rest Program Free Free Free Free Free Scene Loyalty Rewards Program Free Free Free Free Free Access fee for Scotia OnLine Financial Services, Mobile Free Free Free Free Free Banking Services, TeleScotia , Interac Online , Scotiabank ABMs View each electronic image of cleared cheque (free with $1.50 $1.50 $1.50 $1.50 $1.50 Paperless recordkeeping option) Access fee for each withdrawal $1.50 $1.50 $1.50 $1.50 - 2 free $1.50 at non-Scotiabank ABM ( Interac ) per month Access fee for each withdrawal at VISA* or PLUS* System $3.00 $3.00 $3.00 $3.00 $3.00 (within Canada & U.S) Access fee for each withdrawal at VISA* or PLUS* System $5.00 $5.00 $5.00 $5.00 $5.00 (outside Canada & U.S) Each bill payment history or mini statement at ABM $0.75 $0.75 $0.75 $0.75 $0.75 Each assisted telephone transaction $1.50 $1.50 $1.50 $1.50 $1.50 Scotia InfoAlerts – Monthly fee*** $1.50 $1.50 Free Free Free Each Interac Email Money Transfer $1.00 $1.00 $1.00 $1.00 $1.00 Each Cross Border Debit $1.00 $1.00 $1.00 $1.00 $1.00 Overdraft Protection fee for each month the account is overdrawn $5.00 $5.00 $5.00 $5.00 $5.00 (subject to approval)

** In addition to the account debit transaction fee, where applicable. *** The monthly fee for Scotia InfoAlerts charged to an account covers all types of alerts (SMS and/or email selected for all your accounts).

Choosing the accounts that fit the way you bank Special Feature Plans Age 19 Fulltime Age 59 – At a Glance and under Student and above Getting There Student Scotia Plus ® Program Savings Banking for Seniors Program ® Advantage ® for Youth Plan

Core Account Features & Fees Monthly Account Fee Free $1.25 Free Monthly account fee waiver with minimum daily closing balance Not applicable $2,000 Not applicable maintained for the entire month No. of debit transactions (any type, 20 Unlimited Unlimited debit transactions for Scotia unless specified) included in the Plus Program eligible accounts - Powerchequing, monthly fee ScotiaOne, Basic Banking, Daily Interest Savings, US dollar DIS, Euro DIS, Blue Chip, Scotia Chequing. Charge for each debit transaction $0.65 Not applicable Scotia Power Savings Account - $5.00 1 over the monthly limit Money Master Saving Account - $5.00 1 Gain Plan Investment Savings - $1.25 Monthly Recordkeeping Options & Fees Paperless Free Free Free Paper Statement Free Free Free for all Scotia Plus Program eligible accounts & Gain Plan Inv Sav. Accounts. $2.00 for Money Master Savings Account Paper Statement with Cheque Image Return Free $2.00 $2.00 Passbook Free Free Free Other Optional Services/features & Fees** Bank The Rest Program Free Free Free Scene Loyalty Rewards Program Free Free Free Access fee for Scotia OnLine Financial Services, Mobile Free Free Free Banking Services, TeleScotia , Interac Online, Scotiabank ABMs View each electronic image of cleared cheque (free with Free $1.50 $1.50 Paperless recordkeeping option) Access fee for each withdrawal at non-Scotiabank ABM ( Interac ) $1.50 $1.50 $1.50 Access fee for each withdrawal at VISA* or PLUS* System $3.00 $3.00 $3.00 (within Canada & U.S) Access fee for each withdrawal at VISA* or PLUS* System $5.00 $5.00 $5.00 (outside Canada & U.S) Each bill payment history or mini statement at ABM $0.75 $0.75 $0.75 Each assisted telephone transaction $1.50 $1.50 $1.50 Scotia InfoAlerts – Monthly fee*** $1.50 $1.50 $1.50 Each Interac Email Money Transfer $1.00 $1.00 $1.00 Each Cross Border Debit $1.00 $1.00 $1.00 Overdraft Protection fee for each month the account is overdrawn Not available $5.00 $5.00 (subject to approval)

1 No fees to transfer funds to your other Scotiabank accounts using Self-Service banking options. ** In addition to the account debit transaction fee, where applicable. *** The monthly fee for Scotia InfoAlerts charged to an account covers all types of alerts (SMS and/or email selected for all your accounts).

Account Selector Reality Check Tool Savings Accounts High Interest “Pay as You Go” Foreign Currency – At a Glance Savings Accounts Savings Accounts Savings Accounts Scotia Money Scotia Daily U.S. $ Daily Euro Daily Power Master ® Gain Plan ® Interest Interest Interest Savings Savings Investment Savings Account Savings Account TM Account Savings Account Account Account

Core Account Features & Fees Monthly Account Fee Free Free Free Free $1.00 U.S € 1.00 Monthly account fee waiver with minimum daily closing balance Not applicable Not applicable Not applicable Not applicable $200.00 U.S. € 200.00 maintained for the entire month No. of debit transactions (any type, Unlimited Unlimited unless specified) included in the self- service self- service None None 22 monthly fee transfers 1 transfers 1 teller-assisted Charge for each debit transaction $5.00 1 $5.00 1 $1.25 $1.25 $0.60 U.S. € 0.60 over the monthly limit Eligible deposit for Canada Deposit Insurance Corporation (CDIC) Yes Yes Yes Yes No No coverage Monthly Recordkeeping Options & Fees Paperless Free Free Free Free Not available Not available Paper Statement Not available $2.00 $1.00 $1.00 Free Not available Paper Statement with Cheque Image Return Not available Not available $2.00 $2.00 $2.00 U.S. Not available Passbook Not available Not available $2.00 $2.00 Free Free Other Optional Services/features & Fees** Access fee for Scotia OnLine Free Free Free Free Free Not available Financial Services, Mobile Note: Access to Mobile Banking Banking Services, TeleScotia , Service Interac Online, Scotiabank ABMs not available. View each electronic image of cleared cheque (free with Paperless recordkeeping option) Free $1.50 $1.50 $1.50 Not available Not available Access fee for each withdrawal at non-Scotiabank ABM ( Interac ) $1.50 $1.50 $1.50 $1.50 Not available Not available Access fee for each withdrawal at VISA* or PLUS* System $3.00 $3.00 $3.00 $3.00 Not available Not available (within Canada & U.S) Access fee for each withdrawal at VISA* or PLUS* System $5.00 $5.00 $5.00 $5.00 Not available Not available (outside Canada & U.S) Each bill payment history or mini statement at ABM $0.75 $0.75 $0.75 $0.75 Not available Not available Each assisted telephone transaction $1.50 $1.50 $1.50 $1.50 Not available Not available Scotia InfoAlerts – Monthly fee*** $1.50 $1.50 $1.50 $1.50 $1.50 Not available Each Interac Email Money Transfer $1.00 $1.00 $1.00 $1.00 Not available Not available Each Cross Border Debit $1.00 $1.00 $1.00 $1.00 Not available Not available Overdraft Protection fee for each month the account is overdrawn Not available Not available $5.00 $5.00 Not available Not available (subject to approval)

1 No fees to transfer funds to your other Scotiabank accounts using Scotia Online , TeleScotia , Scotiabank Mobile Banking and Scotiabank ABM. For all other debit transactions (branch or ABM withdrawals, direct payment purchases, bill payments and pre-authorized payments), a $5.00 per transaction fee will apply. ** In addition to the account debit transaction fee, where applicable. *** The monthly fee for Scotia InfoAlerts charged to an account covers all types of alerts (SMS and/or email selected for all your accounts).

Choosing the accounts that fit the way you bank