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 reach out to you with electronic means. You don't have to wait for that telephone message at home; we can alert you immediately.
On May 29th, 2014. See this statement in context.