We are reconvening our hearings on automated teller machines. Pursuant to standing order 108(2), this is a briefing on ATM fees and electronic payments.
Thank you to the members of our second panel for being here today.
As you know from viewing the previous panel, you'll have a maximum of five minutes to make your presentation. So as not to cut you off without warning, if you would like to make eye contact, I will give you an indication that you have a minute remaining. We will then go to questions from committee members.
Thank you for submitting your materials earlier. We appreciate that very much. We'll look forward to your comments and answers to questions from the committee members this afternoon.
We'll begin with UseMyBank, Joseph Iuso. Welcome. Five minutes to you, sir.