Schedule of Rates

THE BANK OF NOVA SCOTIA JAMAICA LIMITED

Retail Banking Customer Fee Guide

Effective August 1, 2020

® Registered trademark of The Bank of Nova Scotia

The information in this Schedule of Fees reflects the service charges most applicable for standard banking transactions.All charges are inclusive of General Consumption Tax which is calculated at 15%. Fees are subject to change with 45 daysnotification as per Bank of Jamaica Code of Conduct guidelines.

® Registered trademark of The Bank of Nova Scotia 1 | Schedule of Rates

Description of Charge

ELECTRONIC TRANSACTIONS - PERSONAL ACCOUNTS

Proprietary ABM - JMDUsing BNS Machines Withdrawal - Transactional Accounts

Withdrawal - Savings Accounts

$22.50

$59.00

Deposits Per Deposit FREE

Enquiry Per Enquiry FREE

$11.00

$11.00

Mini-Statement Flat Charge - Proprietary FREE

Non Proprietary ABM - JMDUsing Other Banks Machines

Withdrawal - Transactional Accounts

Declined

Declined

$32.0

$32.00

0Withdrawal - Savings Accounts Approved $59.00

Approved

Approved Declined

Approved

Declined

$59.00

Account Balance enquiry Per enquiry $34.00

Proprietary ABM - USDUsing BNS Machines

Withdrawal - Transactional AccountsWithdrawal - Savings Accounts

Per TransactionPer Transaction

US$0.35US$0.35

Deposits Per Item Fee FREEEnquiry Per Item Fee US$0.49Declined Transaction Per Item Fee US&0.1 5Using Overseas Machines (Cirrus)

Withdrawal Per Item Fee US$2.97Enquiry Per Item Fee US$0.49Declined Transactions Per Item Fee US$0.39

TELESCOTIA - TELEPHONE BANKING

Fee per transaction Transactional Accounts FREE Enquiry Per Item Fee FREE

Final Fees (Inclusive of GCT) & RatesDetails of Cost

® Registered trademark of The Bank of Nova Scotia 2 | Schedule of Rates

DEBIT CARDS (Including Visa Debit) – POINT-OF-SALE

Declined local transaction ( Proprietary & Multilink ) Proprietary Machines $12.00

Cardholder fee per International transaction (transactions going through Visa network) % of transaction amount 2.00%Declined International POS transaction Per Item Fee US$0.59

Replacement ABM Card Per Card Fee $873.61 (No charge for defective cards or retained by ABM)

SCOTIA ONLINE (Internet Banking - Personal Accounts)

Internet Banking & Mobile Banking Transfers between accounts, 3rd Party transfers FREE Account enquiry, Bill Payments, Mobile Top Up

Non BNS Customers $1,449.20BNS Customers $402.85

Description of Charge Final Fees (Inclusive of GCT) & RatesDetails of Cost

TRANSFER OF FUNDS

In-Branch transfer between accounts Flat charge per request J$1,449.20 / USD/CAD$4.19 / GBP2.93 / EUR3.66 (Transactional & Savings) Manager’s Cheque less than $1 Mil.

Flat Charge

Manager’s Cheque $1 Mil and greater Flat Charge $408.10 BNS Customer plus special charge $5,825.00 $6,152.85Manager’s Cheque $1 Mil and greater Flat Charge $1,468.10 Non-BNS Customer plus special charge $5,825.00 $7,119.20Replacement Manager’s Cheque Flat Charge $1,449.20Money Order Flat Fee (Scotia Total Access Senior - Free) $266.81Foreign Drafts Sold Flat Charge

Flat Charge $994.04

Cash for draft 1.00% of the amount, plus flat charge Duplicate Foreign Drafts Flat Charge $1,875.54Foreign Cheques Negotiated US$1.00 per cheque encashed, plus Stamp Duty USD1.00Standing Orders – Processed In Branch Set-up fee $402.85 Flat charge for each order negotiated on due date USD/CAD6.15

GBP/EUR5.30 Unprocessed for Current Accounts/Savings Accounts $402.85

Standing Orders – Processed On-Line Charge per item FREE

Wire Transfers Outgoing Wire Transfers (Swift/Telex) Initiated In Branch $3,698.85 (Telex Tolls & Com) Incoming Wire Transfers (SWIFT/TELEX) Flat charge for proceeds to JMD accounts $3,698.85 Flat charge for proceeds to Foreign Currency accounts

Transfers via RTGS Per transfer Outgoing $1,449.20

Incoming $402.85

Transactional Accounts

Savings AccountsPer transaction $12.50Per transaction $59.00

SUNDRY BANKING SERVICES

Cheque Encashment Fee Per cheque fee J$402.85

(Fee waived for PATH, Accountant General Pension USD/CAD1.3 0

NIS and Poor Relief and petty cash cheques) Holding Statements Personal Accounts $1,412.52

Cheques Dishonoured and charged back to customer’s accounts

- Local Currency Cheque, including insurance payments Flat charge per local cheque $1,569.53

- Foreign Currency Cheques Charge per foreign cheque USD$41.85 / CAD$41.85 / GBP31.40 / EUR36.63

Cash lodgements in excess of $500.00

Cash Deposits to Foreign Currency Accounts All Cash Lodgements 2.30% of amount deposited

plus foreign bank charge

NB. Charged to total amount lodged

Cheque Leaves Order Personal Accounts - per set of 100 leaves J$1,935.75

New accounts - first supply of 50 cheque leaves FREE

® Registered trademark of The Bank of Nova Scotia 3 | Schedule of Rates

% of loan amount inclusive of GCTeeF muminiM

% of unpaid amountMinimum payment

For Motor Vehicles re Stamping of 98A

For Real Estate

Credit Report (Retail & Business)$1,200.00 + $180.00 (GCT)

Credit Report (Retail & Business)$1,147.50 + $172.13 (GCT)

Cost for both Credit Bureau Reports$2,347.50 + $352.13 (GCT)

SCOTIA PLAN LOANS

Internal Processing Fee

Late Payment Fees

Registration/Stamping Fees (EXTERNAL FEES)

CREDIT BUREAU FEES (External Fees) – Effective May 1, 2018

CreditInfo Jamaica Limited

CRIF NM Assure Limited

3.50%$13,326.18

6.105%$1,725.00

1.875% of loan$500.00

1.125% of loan

$1,380.00

$1,319.63

$2,699.63

GBP/EUR1.05

Description of Charge Final Fees (Inclusive of GCT) & RatesDetails of Cost

For Motor Vehicles re Stamping of 98A