Information & Ethics committee  In the specific case that you mention in terms of a credit card fraud, when we at Scotiabank are made aware of a number of our customers who have been the victim of a compromise, we do reach out to our customers. We explain that we believe their credit card has been compromised a

Information & Ethics committee  Even in individual cases, again speaking specifically to your comments about debit and credit fraud, we at Scotia would never reach out and just cut off your access to credit. We would attempt to notify you. We very much like some of the technology we have available where we can

Information & Ethics committee  I'm sorry. I apologize—

Information & Ethics committee  Scotiabank would echo that.

Information & Ethics committee  Good morning. My name is Jennifer Frook, and I'm the director of the fraud management office at Scotiabank. In my role I am responsible for the assessment of fraud and the reporting of fraud risk across the global Scotiabank group. This includes the proactive identification of fr