Good morning to all.
I am here today to welcome you, witnesses. Thank you very much for coming in. And thank you also for your previously submitted written material, which I'm sure was of interest to committee members.
I'll ask the cameras to vacate now. Thank you very much.
Pursuant to standing order 108(2), this is a briefing on automated teller machine fees and electronic payments.
We have two hours this morning. You've all been instructed that you have five minutes to cover a very important topic. We recognize the brevity of that time. I will give you an indication when you have a minute remaining. I will have to cut you off at five minutes to allow for time for exchange with our committee members.
Thank you again. We appreciate your being here.
We'll begin with CIBC, Sonia Baxendale.