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

SCHEDULE OF RATES

02

Contents Page

Personal Deposit Accounts 3 - 6

Small Business & Commercial 7 - 9

Personal Lending Products 10 - 12

Personal Credit Cards 12

Funds Transfer & Foreign Exchange

13

Miscellaneous 13 -14

grenada.scotiabank.com

TOTAL ACCESS AccountMonthly Fee $10.00Currency XCDMinimum Opening Balance $100.00Transaction FeesNumber of transactions included 10 - Branch transactions/

cheque, Unlimited self-service transfers between Scotiabank accounts

Branch transactions/cheque $2.00ATM withdrawals ( per item) FreeATM Mini Statement $1.00Other Non-Scotiabank ATM Fees ap-

ply, Regular sundry fees applyInternet,Mobile,Telephone & POS FreeCheque writing privilege YesPays Interest No Interest PaidStatement Frequency QuarterlyOverdraft available Yes, subject to normal lending

criteria.Other Available for Sales to Residents

of CANADA

ELECTRONIC ACCESS AccountMonthly Fee $5.00Currency XCDMinimum Opening Balance $100.00Transaction FeesNumber of transactions included UNLIMITED SELF-SERVICEBranch transactions/cheque $5.00/$5.00ATM withdrawals ( per item) FreeATM Mini Statement $1.00Other Non-Scotiabank ATM Fees ap-

ply, Regular sundry fees applyInternet,Mobile,Telephone & POS FreeCheque writing privilege YesPays Interest No Interest PaidStatement Frequency QuarterlyOverdraft available Yes, subject to normal lending

criteria.Other Available for Sales to Residents

of CANADA

03

EVERYDAY BANKING

Primary Savings AccountMonthly Fee $3.50 if balance falls below

$500Currency XCDMinimum Opening Balance $100.00Transaction FeesNumber of transactions included NONE, UNLIMITED SELF-SER-

VICE TRANSFERS BETWEEN SCOTIABANK ACCOUNTS

Branch transactions/cheque $3.00ATM withdrawals ( per item) $1.50ATM Mini Statement $1.00Other Non-Scotiabank ATM Fees apply,

Regular sundry fees applyInternet,Mobile,Telephone & POS FreeCheque writing privilege NOPays Interest Calculated MINIMUM Monthly

paid monthlyStatement Frequency QuarterlyOverdraft available NoOther ASP/SSRB Eligible - 1% bonus

interest on ASP Contributions

SPECIALTY ACCOUNT- Foreign Currency AccountMonthly Fee $1.50 if balance falls below

$500Currency USDOpening Balance $500Transaction FeesNumber of transactions included NoneBranch $1.50ATM withdrawals ( per item) $1.00ATM Mini Statement $1.00Other Non-Scotiabank ATM Fees apply,

Regular sundry fees applyInternet,Mobile,Telephone & POS FreeDeposit FreeCheque writing privilege YesPays Interest NoStatement Frequency QuarterlyOverdraft available No

04

Age Based AccountsJunior Account Ages 0-17 years of age-

opened with Parent or Guard-ian

Minimum Monthly Fee NoneCurrency XCDOpening Balance $0.00Transaction FeesNumber of transactions included 10 Free any channel -debit

transactionsBranch $3.00ATM withdrawals ( per item) $1.50ATM Mini Statement $1.00Other Non-Scotiabank ATM Fees apply,

Regular sundry fees applyInternet,Mobile,Telephone & POS FreeDeposit FreeCheque writing privilege NoPays Interest Calculated MINIMUM Monthly

paid monthlyStatement 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 NoneCurrency XCDOpening Balance $100.00Transaction FeesNumber of transactions included 10 - Branch/Cheque plus

UNLIMITED SELF-SERVICE debit transactions

Branch $2.00ATM withdrawals ( per item) FreeATM Mini Statement $1.00Other Non-Scotiabank ATM Fees apply,

Regular sundry fees apply, except as indicated below.

Internet,Mobile,Telephone & POS FreeDeposit FreeCheque writing privilege YesPays Interest Calculated MINIMUM Monthly

paid monthlyStatement Frequency QuarterlyOverdraft available NoOther 25% off Safety Deposit Box fee,

FREE Travelers cheques, Stand-ing Orders and Drafts

05

06

Electronic Access Youth Age 18 - 25 years.Monthly Fee $3.00Currency XCDOpening Balance $0.00Transaction FeesNumber of transactions included UNLIMITED SELF-SERVICE debit

transactionsBranch transactions/cheque $5.00ATM Unlimited, Regular Non-Scotia-

bank ATM fees applyATM Deposit FreeATM Mini Statement $1.00Cheque writing privilege YesPays Interest NoStatement Frequency QuarterlyOverdraft available Yes, subject to normal lending

criteria.

07

BASIC BUSINESS ACCOUNT XCD $12.00 Maintenance Fee

6 Free Transactions per month for balances over $2,000.00

Transaction Fees (DEBITS) $1.50 transaction feeTransaction Fees (CREDITS) $1.25 transaction feeSB CURRENT ACCOUNT - INTERESTMonthly Fee NILAll debit transactions $3.00All credit transactions $3.00NSF Cheque $30.00

SMALL BUSINESS FINANCINGTERM FINANCING (LOANS)Application Fee 1/4 % - 1 % Min $300

CREDIT LINE

Application Fees 1/4 % - 1 % Min $300Commitment Fee 1/4 % - 1 % Min $300Minimum Overdraft Interest Amount calculated using

interest rateAdministration Fee N/ARenewal Fee 1/4 % - 1 % Min $300

OVERDRAFT PROTECTION

Application Fees 1/4 % - 1 % Min $300Commitment Fee 1/4 % - 1 % Min $300Minimum Overdraft Interest Based on interest rate on

accountAdministration Fee N/ARenewal Fee 1/4 % - 1 % Min $300Cheques/pre-authorized Debits creating/or increasing Overdraft

$10.00

Overdraft handling charge $10.00

SMALL BUSINESS ACCOUNTS

08

COMMERCIAL & CORPORATE FINANCING

COMMERCIAL ACCOUNTS

Basic Business Account & Foreign Currency AccountXCD $12.00 Maintenance Fee

6 Free Transactions per month for balances over $2,000.00

Transaction Fees (DEBITS) $1.50 transaction feeTransaction Fees (CREDITS) $1.25 transaction feeUSD $10.00 maintenance fee

6 Free transactions per month for balances over $2,000 $1.50 Transaction Fee

CURRENT ACCOUNT - INTEREST

Monthly Fee NILAll debit transactions $3.00All credit transactions $3.00NSF Cheque $30.00

TERM FINANCING (LOANS)Application Fee 1 - 3 % Renewal Fee 1/4 - 1 %

DEMAND LOANSApplication Fees 1 - 3 % Renewal Fee 1/4 - 1 %Overrun Fee 1 - 3 % Min. $300

Other FeesCertification of Balance of account $35.00Cheques Certified at Drawer's request

$20.00

Cheques Certified at Payee's request $25.00Cheques returned NSF $60.00Items deposited subsequently charged back

$25.00

Minimum Overdraft Interest (Calculated on maximum daily balance)

$30.00

Unauthorized Overdraft $50.00Transfer between accounts $20.00Transfer 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

Stop Payment Order $30.00; $35.00

09

Duplicate Statements $15.00Print Screens of account(per sheet) $7.50Open a New Account Due to lost passbook $30.00Withdrawal without Passbook $12.50Withdrawal by Third Party $8.00 - $12.50Service Charge on Accounts Closed (within one month; one to six months) $35.00; $50.00Guarantees/Bond/Indemnities Up to $50M 2%, Min $200

Over $50M 1%

Application Fee (Manager's discretion)

1% of approved Loan Amount, min $500.00

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

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

Late Payment Fee $50.00NSF Payment $35.00Loan Refinancing/Renegotiating Fee

1% of approved Loan Amount, min $500.00

Construction Stage Payments (Interest only paid on Construc-tion 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 prepay-ment made in excess of the amount entitled to for anyone calendar year as set out in your PCA (Personal Credit Agreement.

Application Fee <USD$5M - $400; >USD$5M 1% or min $400

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

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

Late Payment Fee $50.00Real Estate Inspection Fees $15.00

Private Vehicles & Other Consumer LoansApplication Fee <USD$5M - $400; >USD$5M

1% or min $400Late Payment Fee (after 10 days delinquency) $50.00NSF Payments $35.00Loan Refinancing/Renegotiating Fee

Charged on new funds only .50% of approved Loan Amount.

10

RETAIL LENDING PRODUCTSResidential Mortgage

Real Estate Loans

Personal Loans (SPL)

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

Application Fee $0.00Over limit Fees (Charge incurred monthly whenever the ScotiaLine is over the Limit) $0.00Late Payment Fee (Applied to each payment made after the due date) $35.00Dishonored payment (applied to each payment credited to your account that is subsequently returned to us unpaid

$35.00

Transaction Fee $0.00Fee for replacing an additional or replacement statement

$5.00

Fee for replacing lost or damaged Scotialine Gold card $50.00

Annual Fee $175.00 for Primary Borrower; $50.00 for Co-borrower

Application Fee $0.00Over limit Fees (Charge incurred monthly whenever the ScotiaLine is over the Limit) $0.00Late Payment Fee (Applied to each payment made after the due date) $25.00Dishonored payment (applied to each payment credited to your account that is subsequently returned to us unpaid

$30.00

Transaction Fee (Applies to each trans-action that exceeds five (5) transactions monthly.

$20.00

Fee for replacing an additional or replacement statement

$5.00

11

LINE OF CREDITSCOTIALINE “GOLD” PERSONAL LINE OF CREDIT

SCOTIALINE PERSONAL LINE OF CREDIT

Overdraft ProtectionApplication Fee $135.00Monthly Fee (Interest charges) MIN. Interest calculated on maximum daily balance

$30.00

Standard CardsAnnual (Membership) Fee $90.00Additional Card $40.00Cash Advance Fee $0.00Dishonored Cheque Charge (NSF) $50.00Returned Cheque Charge $50.00Late Payment Fee $0.00Over limit Fee $0.00Replacement Card Fee-Lost, damaged or stolen.

$50.00

Emergency Replacement $70.00Copy of Transaction/Charge Slip $5.00Statement Copy Fee $5.00Interest Rate (per annum) 16.00%

Gold CardsAnnual (Membership) Fee $190.00Additional Card $0.00Cash Advance Fee $0.00Dishonored Cheque Charge (NSF) $50.00Returned Cheque Charge $50.00Late Payment Fee $0.00Over limit Fee $0.00Replacement Card Fee-Lost, damaged or stolen. $50.00Emergency Replacement $70.00Copy of Transaction/Charge Slip $5.00Statement Copy Fee $5.00Interest Rate (per annum) 16.00%

AAdvantage MasterCardAnnual (Membership) Fee $125.00Additional Card $50.00Cash Advance Fee $0.00Dishonored Cheque Charge (NSF) $50.00Returned Cheque Charge $50.00Emergency Replacement $70.00Late Payment Fee $0.00Over limit Fee $0.00Replacement Card Fee-Lost, damaged or stolen. $50.00Copy of Transaction/Charge Slip $5.00Statement Copy Fee $5.00Interest Rate (per annum) 16.00%

12

Personal Credit Cards

Personal Credit Cards (Specialty Cards)

Mail Transfers::::::Inland Local $12.50:::::: Overseas (Local Currency min & max) $12.50/$125.00:::::::Managers Cheques/Drafts $10.00 Telegraphic Transfers (Overseas (Foreign currency min) $35.00Incoming Mail & Wire Transfers $20.00Preparation of draft (BBD & TTD) Min $2.50Preparation of draft (Other currencies) $7.50Customer Letter $35.00

MISCELLANEOUS CHARGESAudit Certificates COMMERCIAL (Non- borrowing; borrowing) $35.00; $50.00Standing Orders (Bankers' orders) draft; transfer $15.00; $7.50Draft Tracers (Mailed & faxed) $30.00Duplicate Draft $30.00Credit Reports for Customers benefit; or for Foreign Banks $35.00; $20.00Utility Bills $10.00Photocopies (per item) $5.00Fax messages at customers' request

Transfers between accounts. $20.00Encashment of Travelers cheques by Non-customers $7.50Negotiation of Foreign Currency Cheques +SD $7.50

Deposit to Employee's account or from List Charge $1.50Filling Envelopes with Names & Amounts already recorded $4.00; $50.00Filling Envelopes with Names & Amounts not recorded $4.00; $50.00Making Payments in Cash from a list supplied by employer (per name; min) $7.50; $150.00

Cash deposited/Sorted/bundled per $1000 notes deposited; $100 (coins) deposited.

$4.00; $4.50

Cash deposited/Unsorted/bun-dled per $1000 notes deposited; $100 (coins)deposited.

$4.25; $4.75

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Payroll Preparation

Cash Processing

FUNDS TRANSFERRED AND FOREIGN EXCHANGE

1 1/2 X 5 x 24 $100.002 1/2 x 5 x 24 $125.005 x 5 x 24 $175.00Drilling 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

Lost or Broken keys $100.00Listing contents for estate purposes

$10.00 per hour per employee, Min $50.00 per listing

Wallet Rentals $130.00Disposable bags $1.00 per bagLost/Damaged Wallets $250.00Lost/broken head door keys $150.00Replacement/Lost Key $100.00Lost Wallet key $50.00Replacing Lock min $200 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

Self Service BankingVisa Debit Card FreeATM Withdrawal locally/Region-ally at Non-Scotiabank ATM XCD$12.00ATM 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 SCOTIABANK ATM's worldwide FREEBalance Enquiries & Declines (on a withdrawal at non-Scotiabank ATM's within the country & Inter-nationally.

XCD$2.00

POS use regionally FREEPOS use Internationally 1.5% of the transaction amountPOS Decline for insufficient funds internationally XCD$2.50INTERNET BANKING FREEMOBILE BANKING FREE

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Safety Deposit Box

Night / Day Deposit Bags

(05/15)