Schedule of Fees

Monthly Fee - No fee
Currency - BBD
Tranactions included - Unlimited Self Service Transactions on Proprietary Channels

Transaction Fees
Branch/ Chq Transactions - $5.00
Proprietary ABM - Free
Proprietary POS - Free

Monthly Fee - $16
Currency BBD
Minimum Opening Balance - $0.00
Number of transactions included - Unlimited self service transactions on proprietary channels

Transaction Fees
Branchtransactions/cheque - $5.00 with ScotiaCard. $5.00 without ScotiaCard
Other - Non-Scotiabank ATM Fees apply, Regular sundry fees apply
Cheque writing privilege - Yes
Pay Interest - No interest paid
Statement frequency - Quarterly
Overdraft avaialble - Yes, subject to normal lending criteria.
Other - Available for Sales to Residents of CANADA

Monthly Fee - $35
Currency - BBD
Minimum Opening Balance - $0.00
Number of transactions included - 3 branch/cheque transactions, unlimited self service transfers between Scotiabank Acc & Unlimited proprietary electronic transactions

Transaction Fees
Branchtransactions/cheque - $5.00 with ScotiaCard. $5.00 without ScotiaCard
Cheque writing privilege - Yes
Pay Interest - No interest paid
Statement frequency - Quarterly
Processed Cheque - Yes, subject to normal lending criteria.
Other - Available for Sales to Residents of CANADA

Monthly Fee - $10.00 applies, if balance falls below $300.00
Currency - BBD
Minimum Opening Balance - $300.00
Transactions included - Unlimited self-service transfers between Scotiabank Accounts
Number of transactions included - None
Branch transactions-  $5.00 with ScotiaCard. $5.00 without ScotiaCard
Proprietary POS - $1.50
Proprietary ATM Telephone, Mobile & Internet - Free
Other - Non-Scotiabank ATM Fees apply, Regular sundry fees apply
Cheque writing privilege - No
Pays Interest - Calculated MINIMUM Monthly balance paid monthly
Statement Frequency - Quarterly
Overdraft available - No
ASP/SSRP Eligible - 1% bonus interest on ASP Contributions

Monthly Fee - $2.50
Currency - BBD
Minimum balance required to waive monthly fee - $10,000
Number of transactions included - Unlimited self service transactions on proprietary channels
Free Items - 1 free transactions any channel unlimited deposits and ullimited self-service transfers between Scotiabank Accounts

Transaction Fees
Branch - $5.00
Proprietary ATM - Free
Proprietary POS $1.50

Monthly Fee - $2.50 applies if balance falls below $300
Currency - CAD & USD
Opening Balance - $300
Transactions Included - Unlimited deposits and self-servicetransfers between Scotiabank Accounts

Transaction Fees
Branch transactions - $1.50 with ScotiaCard $3.00 without ScotiaCard Regular sundry fees apply
Proprietary ATM/POS - N/A

Minimum Monthly Fee - None
Currency - BBD
Opening Balance - $0.00
Transactions Included - Unlimited deposits and self-service transfers between Scotiabank Accounts

Transaction Fees
Branch - $5.00 with ScotiaCard $5.00 without ScotiaCard
Proprietary ATM Telephone, Mobile & Internet - Free
Proprietary POS - $1.50
Other - Non-Scotiabank ATMFees Regular sundry fees apply
Cheque writing privilege - Mp
pays Interest - Calculated MINIMUM Monthly balance paid monthly
Statement Frequency - Quarterly
Overdraft available - No

Monthly Fee - None
Currency - BBD
Opening Balance - $0.00

Transaction Fees
Proprietary ATM - Free
Proprietary POS - Free
Cheque writing privilege - Yes
Statement Frequency - Online Statements
Overdraft available - No
Other - 25% off Safety Deposit Box fee, Standing Orders and Drafts

Monthly Fee - $6.00
Currency BBD
Opening Balance $0.00
Transactions Included - Unlimited self service transactions on propriety channels

Transaction Fees
Branch transactions (includes deposits) - $5.00 with ScotiaCard $5.00 without ScotiaCard
Proprietary ATM/POS - Free
Cheque writing privilege - Yes
Pays Interest - No
Statement Frequency - Quarterly
Overdraft available - Yes, subject to normal lending criteria.

1 1/2 X 5 x 24 - $100.00 + VAT
2 1/2 x 5 x 24 - $125.00 + VAT
5 x 5 x 24 - $200.00 + VAT
2 1/2 x 10 x 24 - $250.00 + VAT
5 x 10 x 24 - $300.00 + VAT
Listing of contents for Estate purposes - $35.00/hour per employee MIN $50.00
Drilling of Safety Deposit Box - $250.00 + expenses
Replacing Lock - $20.00
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/Broken Keys $30.00 + Costs

Audit Certificates - $50.00 - $200.00
Utility Bill - $10.00
RTGS Incoming - $10.00
Photocopies (per item) - $5.00
Service Charge on Account Closed within 3 months - $25
Service Charge on Account Closed within 6 months - $20
Duplicate Statements/drafts - $15.00 - occasional, $10.00 - standing
Stop payment order - $20
Search for vouchers, records or accounts - $15.00/item or $35.00/hour minimum $15.00

Internet Banking - Free
Mobile Banking  - Free
Telephone Banking  - Free
ATM - Refer to Deposit accounts for charges.
POS - Refer to Deposit accounts for charges.

Annual Fee - $200.00 for Primary Borrower, $0.00 for Co-borrower
Replace damaged card - $25.00
Replace lost card - $35.00
Replacement Statement Fee - $25.00

Annual Fee - $200.00 for Primary Borrower; $75.00 for Co-borrower
Replace damaged card - $25.00
Replace lost card - $35.00

Transaction Fees
Application Fees - $60.00
Over limit Fees - $60.00
Late Payment Fee - $60.00
Return Cheque Charge - $50.00
Dishonored Cheque Charge - $50.00 
Not sufficient funds (NSF) fee - $50.00
Additional or replacement statement - $25.00
Retrieval of Items Fee - $15.00
ATM Cash Advance Fee - $0.00

Annual (Membership) Fee - $35.00
Additional Card - No Charge
Cash Advance Fee - 2.99% min $10.00
Replacement Card Fee - $20.00

Annual (Membership) Fee - $115.00
Additional Card - No charge
Cash Advance Fee - 2.99% min $10.00
Replacement Card Fee - $25.00

Annual (Membership) Fee - $115.00
Additional Card - No charge
Cash Advance Fee - 2.99% min $10.00 
Replacement Card Fee - $20.00 

Annual (Membership) Fee - $199.00
Additional Card - No charge
Cash Advance Fee - 3.00% min $10.00
Replacement Card Fee - $20.00

Overlimit Charge - $49.00 
Late Payment Charge - $49.00
Returned/Dishonoured cheques - $30.00
NFS Cheque Charge - $30.00
Minimum Payment - 3.00% min $50.00
Replacement Sales Draft - $15.00
Retrieval of items - $15.00
Replacement Statement - $25.00
Stamp Duty per cheque - $0.10
Convenience Cheque Charge - N/A

Application Fee - $0.00
Commitment Fees - 1.00%
Late Payment Fee - $30.00 after 10 days of past due
Renewal Fee - $60.00 
Loan Refinancing/Renegotiating Fee - 0.50% of amount requested
Prepayment Fee - 180 days interest on any prepayment made in excess of the amount entitled to for any one calendar year as per PCA (Personal Credit Agreement)

Application Fee - 0.50% of approved loan amount or min. $100.00
Late Payment Fee - $30.00 after 10 days of past due
Extension Fee - $50.00+0.50% of approved loan amount, MIN $100.00

Monthly Fee - $10.00
Deposit Content Fees - OTC (per ‘000): $10.00. Night (per ‘000): $5.00

Monthly Fee - $5.00
Deposit Content Fees - OTC (per ‘000): $1.00. Night (per ‘000): $0.50

Branch - Debit $1.50
Branch - Credit $1.00
Branch - Transfer $1.00
ABM - Debit $0.00
ABM - Credit $0.00
ABM - Transfer $0.00

Monthly Fee $0.00
Deposit Content Fees OTC (per ‘000): $20.00 Night $4,000): $10.00
Branch - Debit $3.00
Branch - Credit $2.00
Branch - Transfer $1.00
ABM - Debit $0.00
ABM - Credit $0.00
ABM - Transfer $0.00

• Application Fee (normal) 1/4% to 1% of the net amount of increase minimum $100.00
• Application Fee (urgent review) 3/4% to 3% of the net amount of increaseminimum $100.00
• Standby Fees 1/2% to 2% per annum based on daily undrawn balance charged monthly
• Commitment/Acceptance Fee 1/2% to 2% of the net amount minimum $100.00
• Administration Fee -Monitoring/ Breach of Conditions $100.00-$1,000.00 per occasion
• Overun Fees - per item fee $5.00 plus application fee - % of amount of increase
  

Annual Membership Fee:

• Primary Card $100.00
• Supplimentary Card $75.00 each
• Cash Advance Fee 2.99%
• Minimum Payment 3.00%, minimum $50.00
• Dishonored Cheque Charge $35
• (NSF)/Returned Cheque Charge $35.00
• Late Payment Fee $50.00
• Over limit Fee $50.00
• Replacement Card Fee $25.00
• Replacement/Additional Statement $0.00
• Retrieval of Items $35.00
• Replacement Sales Draft $35.00

Annual Membership Fee :

• Primary Card $120.00
• Supplimentary Card $85.00 each
• Cash Advance Fee 2.99%
• Minimum Payment 3.00%, minimum $50.00
• Dishonored Cheque Charge $35
  
• (NSF)/Returned Cheque Charge $35.00
• Late Payment Fee $60.00
• Over limit Fee $60.00
• Replacement Card Fee $25.00
• Replacement/Additional Statement $0.00
• Retrieval of Items $35.00
• ReplacementSales Draft $35.00

Monthly Fee $10.00
Deposit Content Fees OTC (per ‘000): $10.00 Night (per ‘000): $5.00

• Branch - Debit $1.50
• Branch - Credit $1.00
• Branch - Transfer $1.00
• ABM - Debit $1.00
• ABM - Credit $0.75
• ABM - Transfer $0.75
  

• Monthly Fee $0.00
• MinimumBalance $5,000.00
• Deposit Content Fees OTC(per ‘000):$20.00 Night (per ‘000): $10.00
• Branch - Debit $3.00
• Branch - Credit $2.00
• Branch - Transfer $1.00
• ABM - Debit $3.00
• ABM - Credit $2.00
• ABM - Transfer $2.00
  

• Application Fee (normal) 1/4% to 1% of the net amount of increase minimum $100.00
• Application Fee (urgent review) 3/4% to 3% of the net amount of increase minimum $100.00
• Standby Fees 1/2% to 2%per annum based on daily undrawn balance charged monthly
• Commitment/Acceptance Fee 1/2% to 2% of the net amount minimum $100.00
• Administration Fee -Monitoring/ Breach of Conditions $100.00-$1,000.00 per occasion
• Overun Fees - per item fee $5.00 plus application fee - % of amount of increase
  

• Sign Up Fee $200.00
  
• Disposable bags (100 bags) Nil 
  
• Replacement Keys  $50.00 + cost
  
• Replacement Locks $200.00  + cost
  

• Credit Report $20.00+VAT
  
• Past due discounts $15.00 per payment +interest
  
• Audit Certificates $50.00 - $200.00
  
• Utility Bill $10.00
  
• RTGS Incoming $10.00
  
• RTGS Outgoing $10.00
  
• Photocopies (per item) $5.00
  
• Certified Cheque N/A
  
• Stop Payment Orders $20.00
  
• Service Charge on Account $25.00
  
• Closed within 3 months $20.00 
  
• Closed  within 6 months $15.00 - occasional 
  
• Duplicate Statements/drafts $10.00 - standing
• Search for vouchers, records or accounts. $15.00/item or $35.00/hour minimum $15.00
  
• NSF Cheques/Cheques Returned $50.00 

• NSF Cheques/Cheques Returned $50.00
• Certified Cheque N/A
• Stop Payment Orders $20.00 
  

• Mail Transfers Inland Local $10.00
  
• Mail Transfers Overseas N/A
  
• Managers Cheques/Local Draft$12.00
  
• Foreign Drafts $20.00
  
• Conversion of FX to FX draft 2% minimum $5.00
  
• Draft Tracer$20.00 per item
  
• Incoming Wire Transfers $10.00
  
• Repair Item  $20.00
  

Scotiabank banked employer each payroll run $50.00

• Into Scotiabank Account $1.50
  
• Payment by other means $15.00
  
• Non-Scotiabank employer with Scotiabank banked employees Each payroll run $70.00
  
• transaction fee per customer $1.50
  

Fee/Commission – effective December 1, 2019

Each Deposit Account Product 0.00% with Balances <=4,999,999.99* - 0.00%

Each Deposit Account Product 0.50% with Balances = 5,000,000.00 – 9,999,999.99* - 0.50%

Each Deposit Account Product 1.00% with Balances = 10,000,000.00 – 19,999,999.99* - 1.00%

Each Deposit Account Product with Balances > = 20,000,000.00* - 2.25%

*Does not include Term Deposits

Frequency: The fee is calculated on the entire average monthly balance and on a 365-day basis. It is charged monthly on the last business day of the month.