The Bank of Nova Scotia Grenada Schedule of Rates 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 Page Personal Deposit Accounts............... 3 - 6 Small Business & Commercial........... 7 - 10 Personal Lending Products................ 11 - 12 Personal Credit Cards........................ 13 - 14 Funds Transfer & Foreign Exchange.............................. 15 Miscellaneous………………………………….. 15 Self-Service Banking........................... 16 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 grenada.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 $13.00 Currency XCD Minimum Opening Balance $100.00 Number of transactions included 10 branch/cheque transactions, unlimited self-service transfers between Scotiabank Accounts & unlimited proprietary electronic transactions Transaction Fees Branch transactions/cheque $3.00 with Scotiacard $5.00 without Scotiacard Proprietary ABM Free Proprietary POS Free ATM Mini Statement Free Other Fees Non-Scotiabank ATM Fees apply, 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 $6.00 Currency XCD Minimum Opening Balance $100.00 Free Items Unlimited self-service transactions on proprietary channels Transaction Fees Branch transactions/cheque $6.00 with Scotiacard $7.00 without Scotiacard ATM withdrawals Free ATM Mini Statement Free Proprietary ABM Free Proprietary POS Free Other Fees Non-Scotiabank ATM Fees apply, 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 3 Primary Savings Account Monthly Fee $5.00 Minimum Balance required to waive monthly fee $500.00 Currency XCD Minimum Opening Balance $100.00 Number of transactions included 1 Branch transaction, unlimited self-service transfers between Scotiabank Accounts Transaction Fees Branch transactions/cheque $5.00 with Scotiacard and $7.00 without Scotiacard ATM withdrawals (per item) $1.50 ATM Mini Statement Free Proprietary POS Free Other Fees Non-Scotiabank ATM Fees apply, Regular sundry fees apply Internet, Mobile, Telephone & POS Free 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 SIGNATURE SAVINGS ACCOUNT - (Not available for new customers) Monthly Fee $5.00 Minimum Balance required to waive monthly fee $1,000.00 Free Items 1 free transaction any channel, unlimited deposits and unlimited self-service transfers between Scotiabank Account Transaction Fees Branch $5.00 Proprietary ABM $5.00 Proprietary POS Free Other Fees Non-Scotiabank ATM Fees apply, Regular sundry fees apply SPECIALTY ACCOUNT- Foreign Currency Account Monthly Fee $2.50 Minimum Balance required to waive monthly fee $500.00 Free Items Unlimited deposits and self- service transfers between Scotiabank Accounts Currency USD Opening Balance $500 Transaction Fees Number of transactions included None Branch $1.50 ATM withdrawals (per item) $1.00 ATM Mini Statement Free Proprietary ABM Free Proprietary POS Free Other Non-Scotiabank ATM Fees apply, Regular sundry fees apply Internet, Mobile, Telephone & POS Free Proprietary POS Free Deposit Free Cheque writing privilege Yes Pays Interest No Statement Frequency Quarterly Overdraft available No 4 Age Based Accounts Junior Account Ages 0-17 years of age- opened with Parent or Guardian Minimum Monthly Fee None Currency XCD Opening Balance $0.00 Number of transactions included 10 Free any channel - debit transactions Transaction Fees Branch $3.00 ATM withdrawals (per item) $1.50 ATM Mini Statement Free Other Non-Scotiabank ATM Fees apply, Regular sundry fees apply Internet, Mobile, Telephone & POS Free Deposit Free Cheque writing privilege No Pays Interest Calculated and paid monthly Statement Frequency Quarterly Overdraft available No Senior's Account Age 60 years and older. A younger spouse or relative is also eligible for a joint account. Monthly Fee None Currency XCD Opening Balance $100.00 Number of transactions included 10 - Branch/Cheque plus Unlimited self - service debit transactions Transaction Fees Branch $2.00 ATM withdrawals Free ATM Mini Statement Free Other Fees Non-Scotiabank ATM Fees apply, Regular sundry fees apply, except as indicated below Internet, Mobile, Telephone & POS Free Deposit Free Cheque writing privilege Yes Pays Interest Calculated and paid monthly Statement Frequency Quarterly Overdraft available No Other 25% off Safety Deposit Box fee, FREE Standing Orders and Drafts 5 Electronic Access Youth Age 18 - 25 years Monthly Fee $3.00 Currency XCD Opening Balance $0.00 Number of transactions included Unlimited self - service debit transactions Transaction Fees Branch transactions/cheque $5.00 ATM Withdrawals Free ATM Deposit Free ATM Mini Statement Free 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 XCD $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 XCD $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 Cash/Coin Deposited (in Branch) $1.00 per $1,000 Cash/Coin Deposited (Night Deposit) $0.50 per $1,000 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 XCD $15.00 Monthly Fee Branch: Debit - $1.75, Credit - $1.25, Transfer - $1.25 ABM: Debit - $1.50, Credit -$1.00, Transfer - $1.00 7 SMALL BUSINESS & COMMERCIAL FINANCING TERM FINANCING (LOANS) Application Fee 1/4 % - 1 % Min $300 OVERDRAFT PROTECTION Application Fees 1/4 % - 1 % Min $300 Commitment Fee 1/4 % - 1 % Min $300 Minimum Overdraft Interest Based on interest rate on account Administration Fee N/A Renewal Fee 1/4 % - 1 % Min $300 Cheques/pre-authorized Debits creating/or increasing Overdraft $10.00 Overdraft handling charge $10.00 8 COMMERCIAL ACCOUNTS TERM FINANCING (LOANS) Application Fee 1 - 3 % Renewal Fee 1/4 - 1 % DEMAND LOANS Application Fees 1 - 3 % Renewal Fee 1/4 - 1 % Overrun Fee 1 - 3 % Min. $300 Other Fees Certification of Balance of account $35.00 Cheques Certified at Drawer's request $20.00 Cheques Certified at Payee's request $25.00 Cheques returned NSF $75.00 Items deposited subsequently charged back $25.00 Unauthorized Overdraft $50.00 Transfer between accounts $20.00 Transfer between accounts to cover cheques $20.00 Search for vouchers - in same month; per entry; one month-one year; over one year $25.00; $50.00; $75.00 Non-Sufficient Funds (NSF) $75.00XCD, $50.00USD Certified Cheque $20.00XCD, $10.00USD Stop Payment $30.00XCD, $60.00USD Duplicate Statements $15.00 Print Screens of account (per sheet) $7.50 Open a New Account Due to lost passbook $30.00 Withdrawal without Passbook $12.50 Withdrawal by Third Party $8.00 - $12.50 Service Charge on Accounts Closed (within one month; one to six months) $35.00; $50.00 Guarantees/Bond/Indemnities Up to $50M 2%, Min $200 Over $50M 1% 9 Night Depository Annual Fee $200.00 Replacement Wallet $200.00 Disposable bags (100 bags) $100.00 Replacement Keys $75.00 + cost Replacement Locks $200.00 + cost Payroll Preparation 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 $150.00 Online $135.00 Safety Deposit Box 1 1/2 X 5 x 24 $100.00 2 1/2 x 5 x 24 $125.00 5 x 5 x 24 $175.00 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 10 RETAIL LENDING PRODUCTS Residential Mortgage Application Fee (Manager's discretion) 1% of approved Loan Amount, min $500.00 Commitment Fees NIL Government Stamp Fees & Legal Fees (Paid by the customer) Depends on the loan amount and charges vary per lawyer Late Payment Fee $50.00 NSF Payment $35.00 Loan Refinancing/ Renegotiating Fee 1% of approved Loan Amount, min $500.00 Construction Stage Payments (Interest only paid on Construction Loans) Interest Only Payment 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 120 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).