The Bank of Nova Scotia Antigua

Schedule of Fees Revised May 2019

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...............

Small Business & Commercial...........

Personal Lending Products................

Personal Credit Cards........................

Funds Transfer & Foreign Exchange..............................

Miscellaneous………………………………….. Self-Service Banking...........................

3 - 6 7 - 9

10 - 11

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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 antigua.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.

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EVERYDAY BANKING TOTAL ACCESS Account Monthly Fee $13.00 Currency XCD Minimum Opening Balance $0.00 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 $7.00 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 $0.00 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

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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 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 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 No Pays Interest No Statement Frequency Quarterly Overdraft available No

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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 Free Items Unlimited deposits plus

Unlimited self-service transfers between Scotiabank Accounts

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

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 Opening Balance $0.00 Number of transactions included 10-Branch/Cheque plus

Unlimited self-service transfers between Scotiabank Accounts and Unlimited proprietary electronic 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

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Electronic Access Youth Age 18 - 25 years Monthly Fee $3.00 Currency XCD Opening Balance $0.00 Number of transactions included Unlimited self-service

transactions onproprietary channels

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

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SMALL BUSINESS & COMMERCIAL ACCOUNTS

SMALL BUSINESS/COMMERCIAL OPERATING ACCOUNT XCD $25.00 Monthly Fee

Branch:Debit - $2.00, Credit - $1.50,Transfer - $1.50ABM: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

BUSINESS SURPLUS ACCOUNT XCD $10.00 Monthly Fee for balances below $5,000.

Branch: Debit - $4.00, Credit - $3.00, Transfer - $3.00 ABM: Debit - $3.50, Credit -$2.50, Transfer - $1.00

USD $15.00 Monthly Fee for balances below $5,000.

Branch: Debit - $3.00, Credit - $2.00, Transfer - $1.00 ABM: Debit - $3.00, Credit -$2.00, Transfer - $1.00

Cash Deposited/supplied: $2.50 per $1,000Coin Deposited/supplied:

Cash Deposited/supplied: Coin Deposited/supplied:

$3.50 per $100

$2.50 per $1,000$3.50 per $100

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SMALL BUSINESS & COMMERCIAL FINANCING

CREDIT LINE Application Fees Commitment Fee Minimum Overdraft Interest Administration Fee (over-run) Renewal Fee

XCD

OVERDRAFT PROTECTION Minimum Overdraft Interest Administration Fee Overdraft Handling Charge

TERM FINANCING (LOANS) Application Fee

DEMAND LOANS Application Fees Application Fees (urgent reviews)

Overrun Fee Administration Fees (monitoring of conditions) Breach of Conditions

Other Fees Certification of Balance of account

1 % Nil $35.00 0.50%, Min $250.00 0.50%, Min $250.00

$25.00 Monthly Fee Branch: Debit - $2.00, Credit - $1.50, Transfer - $1.50 ABM: Debit - $1.50, Credit -$1.00, Transfer - $1.00

$35.00 $35.00 $10.00

1% of Loan Amount

1% of Loan Amount ¾% - 3% of amount of increase, Min $100.00 1% of overrun per occasion $100 - $1,000 per occasion

$100 - $1,000 per occasion

$30.00 Telephone Inquiry on a regular basis $60.00 Items deposited subsequently charged back $25.00 Transfer between accounts to cover cheques $15.00 Search for vouchers $15.00 per item or

$25.00 per hour Non-Sufficient Funds (NSF) $75.00XCD, $50.00USD Certified Cheque $20.00XCD, $10.00USD Stop Payment $30.00XCD, $60.00USD Duplicate Statements $30.00

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Annual Fee

Replacement Wallet

Night Depository

$120.00 per annum+ $60.00 for eachadditional wallet

$150.00 Disposable bags (100 bags) Replacement Keys Replacement Locks

$100.00 $50.00 flat fee $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 $100.00

Safety Deposit Box 1 1/2 X 5 x 24 $175.00 2 1/2 x 5 x 24 $200.00 5 ½ x 5 x 24 $250.00 Drilling of Safety Deposit Box $150 + Costs Replacing Lock $200,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

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RETAIL LENDING PRODUCTS Residen al Mortgage

(Straight Purchases) 1% of Approved Loan Amount 0.5% of Approved Loan Amount,

Min. $500 Commitment Fees 1% of Approved Loan Amount,

Min $500 plus 0.50% ofapproved Loan Amount

Government Stamp Fees

Depends on Loan Amount, and & Legal Fees charge varies by lawyer. (Paid by the customer) Late Payment Fee $35.00 – $75.00 – New Loans Loan Refinancing/ 0.50% charged on new fundsRenego a ng Fee

1% above regular Mortgage (Interest only paid Interest Rate on Loans) Renewal Fee (Charge incurred for renewing your No renewal fee charged Mortgage with the Bank) Prepayment Fee (Charge 90 days interest on any incurred on any prepayment prepayment made in excess of amounts made in excess of the amount en tled to for the amount specified in your any one calendar year as set out PCA for any one calendar year in your PCA (Personal Credit Agreement).

Real Estate Loans

Applic on Fee 1% of Approved Loan Amount or Min. $500.00

Government Stamp Fees & Depends on Loan Amount, and Legal Fees charge varies by lawyer. Late Payment Fee $35.00 – $75.00 – New Loans

Personal Loans (SPL)

Private Vehicles & Other Consumer Loans Fee 1% of Approved Loan Amount

or Min. $300.00 $35.00 –

10 days delinquency) $75.00 – New Loans Loan Refinancing/ 0.50% charged on new funds

Fee

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LINE OF CREDIT SCOTIALINE “GOLD” PERSONAL LINE OF CREDIT

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

Over limit Fees (Charge incurred monthly whenever the ScotiaLine is over the Limit) $35.00 Late Payment Fee (Applied to each payment made after the due date) $35.00 Dishonored payment (applied to each payment credited to your account that is subsequently returned to us unpaid $35.00 Fee for replacing an additional or replacement statement $5.00 Fee for replacing lost or damaged Scotialine Gold card $0.00

SCOTIALINE PERSONAL LINE OF CREDIT

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

Over limit Fees (Charge incurred monthly whenever the ScotiaLine is over the Limit) $35.00 Late Payment Fee (Applied to each payment made after the due date) $35.00 Dishonored payment (applied to each payment credited to your account that is subsequently returned to us unpaid $35.00 Fee for replacing an additional or replacement statement $5.00

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Personal Credit Cards

Standard Cards Annual (Membership) Fee

$90.00

Additional Card $0.00 Cash Advance Fee Dishonored Cheque Charge (NSF)

3%, Min $15.00 $50.00

Returned Cheque Charge $50.00 Late Payment Fee $75.00 Over limit Fee $75.00 Replacement Card Fee-Lost, damaged or stolen

$30.00

Copy of Transaction/Charge Slip $5.00 Statement Copy Fee $15.00 Interest Rate (per annum) 19.99-25.99%

Gold Cards Annual (Membership) Fee

$190.00

Additional Card $0.00 Cash Advance Fee 3%, Min $15.00 Dishonored Cheque Charge (NSF) $50.00 Returned Cheque Charge $50.00 Late Payment Fee $75.00 Over limit Fee $75.00 Replacement Card Fee-Lost, damaged or stolen

$30.00

Copy of Transaction/Charge Slip $5.00 Statement Copy Fee $15.00

Personal Credit Cards (Speciality Cards)

AAdvantage MasterCard Annual (Membership) Fee

$125.00

Additional Card $0.00 Cash Advance Fee Dishonored Cheque Charge (NSF)

3%, Min $15.00 $50.00

Returned Cheque Charge $50.00 Late Payment Fee $75.00 Over limit Fee $75.00 Replacement Card Fee-Lost, damaged or stolen

$30.00

Copy of Transaction/Charge Slip $5.00 Statement Copy Fee $15.00 Interest Rate (per annum) 19.99-25.99%

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FUNDS TRANSFERRED AND FOREIGN EXCHANGE Managers Cheques/Dra s (Local) $20.00+stamp duty Managers Cheques/Dra s (Foreign) $45

3/8 of 1%, Min $20.00+ Exchange + TelexTolls $32.00

.00+stamp duty3/8 of 1%, Min $20.00 + Exchange + Telex Tolls $32.00

Telegraphic Transfers

Incoming Mail & Wire Transfers $15.00 Conversion of FX to dra re Incoming Transfers

1% (at Manager’s Discre on)

Charge for dra s sold when FX cheque is presented

$1-$999 = 1% $1,000-$24,999=1/2% $25,000-$49,999=1/4% Over $50,000=1/3%

MISCELLANEOUS CHARGES Audit C ficates

$30.00

Standing Orders (Bankers' orders) $20.00 Dra Tracers (Mailed & faxed) $10.00/$18.00 Duplicate Dra $30.00 Credit Reports for Customers benefit $30.00 U lity Bills $10.00 Photocopies (per item) $5.00 Transfers between accounts $10.00 Nego a on of Foreign Currency Cheques +SD

$7.50

Service charge on account closed within 3 months

$25.00

Cheque encashment – non customer $10.00

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Self Service Banking Visa Debit Card Free ATM Withdrawal locally/Regionally at Non-Scotiabank ATM XCD $12.00ATM 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

ATM withdrawal at SCOTIABANK ATM's worldwide FREE Balance Enquiries & Declines (on a withdrawal at non-Scotiabank ATM's within the country & Internationally XCD$7.00 POS use regionally FREE POS use internationally 1.5% of the transaction

amount POS Decline for insufficient funds internationally XCD$2.50

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Contact Us

Call us at 268-480-1645

Visit our website at antigua.scotiabank.com

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Tweet us at @ScotiabankAG