Schedule of Charges

Charges	Total Access	Total Access Senior	Electronic Access
Monthly Fee	$14.00	No Fee	$10.00
Monthly Balance Fee Waiver*	N/A	N/A	N/A
Number of Free Transactions Included in Monthly Fee**	10 Branch/Cheque transactions. Unlimited deposits, unlimited self-service transfers between Scotiabank accounts, and unlimited proprietary electronic transactions.	10 Branch/Cheque transactions. Unlimited deposits, unlimited self-service transfers between Scotiabank accounts, and unlimited proprietary electronic transactions.	Unlimited deposits and unlimited self-service transactions on proprietary channels.
Additional Transaction Fees**	Branch: $3.25	Branch: $3.25	Branch: $3.25
	ATM: Free	ATM: Free	ATM: Free
	POS: Free	POS: Free	POS: Free
Statement Frequency	Monthly	Monthly	Monthly

Charges	Primary Savings (USD)	Primary Savings (EUR, CAD, GBP)	Primary Savings Junior	Signature Savings
Monthly Fee	$5.00	$10.00	No fee	$8.00
Monthly Fee	(If minimum daily closing balance for each entire month or statement period falls below $200)	(If minimum daily closing balance for each entire month or statement period falls below $200)		(If minimum daily closing balance for each entire month or statement period falls below $5,000)
Monthly Balance Fee Waiver*	$200	$200	N/A	$5,000
Number of Free Transactions Included in Monthly Fee	Unlimited deposits and unlimited self-service transfers between Scotiabank accounts.	Unlimited deposits and unlimited self-service transfers between Scotiabank accounts.	Unlimited deposits and unlimited transactions on POS, Internet and Mobile.	Unlimited deposits and unlimited self-service transfers between Scotiabank accounts.
Additional Transaction Fees**	Branch: $3.00	Branch: $3.00	Branch: $3.00	Branch: $5.50
	ATM: $1.35	ATM: $1.35	ATM: $1.35	ATM: $2.70
	POS: Free	POS: Free	POS: Free	POS: Free
Interest Calculation	Lowest Monthly Account Balance - Paid Monthly	N/A	Lowest Monthly Account Balance - Paid Monthly	Lowest Monthly Account Balance - Paid Monthly
Cheque Writing Privileges	None	None	None	None
Statement Frequency	Monthly	Monthly	Monthly	Monthly

Item	Fee
Duplicate Statement/Statement Request	$11.00
Statement (e-statement)	Free
Stop Payment	$25.00
Minimum Overdraft Interest Charge	$20.00
Overdraft Handling Fee	$10.00
Overdrafts (setup/renewal)	$55.00
Certified Cheque	$13.20
Certificate of Balance	$44.00
Reference Letter	$44.00
Standing Order (internal payment)	$5.00
Standing Order (external payments or transfer)	$5.00
Bill Payments (in-branch)	$5.00
Bill Payments (online)	Free
Account closure within 90 days of opening	$100.00
Research	$33.00 (per hour)
Branch Cash Withdrawal for amounts under $1,500*	$3.30
Branch Transactions (Deposits & Withdrawal) without ScotiaCard	$10.00
Standing Order Fee	$7.50
Standing Order Amendments	$10.00

Application Fee	1.10% of Loan Amount, Min $138
Title Search Flat charge, plus out of pocket expenses	$83.00
Mortgage commitment fees	1.10% of loan amount
Late fees	$55.00
Renewal fee Charge incurred for renewing a mortgage facility with the Bank	$138.00
Loan Refinancing / Renegotiating Fee/Extension Fee	1.10% of new money
Prepayment Fee	90 days interest on any prepayment amount made in excess of the amount you are entitled to for any one calendar year as set out in your Personal credit Agreement
Property Discharge/Satisfaction Fee	$100

Item	Fee
Incoming Wire Transfers Fee (Local & Family Islands)	$11.00
Outgoing Wire Transfers (Swift/Telex) Outgoing wire transfers are subject to DFSST of 12% that will be added to the correspondent fee	$100.00
Outgoing Wire Transfer Investigation Fee	$30.00
Wire (Incoming & Outgoing) items returned and recalled, unable to process	$30.00

Description of Charge	Details of Cost
Application/Internal Processing Fee	1.10% of Loan Amount, Min $138
Stamping Fees:	1% of loan amount
Registration Fee Auto Loans - Private Vehicles	1% of loan amount
Late Payment Fees	$61.00
Extension/Refinance Fees	1.1% of new money
Property Discharge/Satisfaction Fee (Applicable to Lot Loans)	$100

Item	Fee
Withdrawal at Bank ATM	Free
Withdrawal at a Non-Bank local ATM	$3.00
Withdrawal at an Overseas ATM	$3.00
Mini Statements - Proprietary ATM	Free
Deposits - Proprietary ATM	Free
Balance Enquiry - Proprietary ATM	Free
Replacement Scotiacard	$11.00

Rates and fees