Schedule of Charges

* Balance must not drop below the fee waiver amount in order for fees to be waived.

** Excludes non-Scotiabank ATM  transactions, and transactions conducted  at out-of-country ATMs,, transfers to third  parties involving accounts held at other financial institutions. Sundry transaction  fees apply (e . g. Stop payment of cheques, wire transfers, ATM  mini statements, etc.}.

*** When the account holder turns 18 years of age, the Junior Account will automatically be converted  to the  Primary Savings Account (or a similar account if that account is no longer offered} with a regular monthly fee, unless you indicate another preference .