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BNS SC Universe Bond Index™ Notes (Return of Capital), Series 1

Early Trading Fees

During the first 720 days following the Issue Date, an Early Trading Charge will apply to any secondary market sale of a Note through the Selling Agent. The Early Trading Charge will be equal to a percentage of the Principal Amount of the Note, determined as follows:

If Sold Within	Early Trading Fee
0-360 days	3.50%
361-720 days	1.75%
Thereafter	Nil

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