I call the meeting to order.
I invite the witnesses to come forward.
Pursuant to Standing Order 108(2), this is the briefing on automated teller machine fees and electronic payments.
I welcome our witnesses. I thank you for being here.
We will allocate five minutes, as you have already been informed, for each presentation. To the witnesses, I will give you an indication when you have one minute remaining. I will then have to cut you off after your five minutes has elapsed, and we will leave time for questions for committee members. Thank you again for taking the time to be with us today; it's much appreciated.
We have a bit of housekeeping before we commence. Following the presentation we have one hour for the ATM presentations and one hour for the electronic payments. I will carry on to allow an hour for each panel, so we will go a little long. Next week we will move to deal with estimates. Following the break week we will continue our discussion on the topics we're dealing with today.
First of all, from the Canadian Bankers Association, we have Mr. Raymond Protti, president and chief executive officer. I understand he is not long for his position, but welcome here today, Mr. Protti.
Five minutes is yours, sir.