Thank you, Mr. Chair.
Thank you to Mr. Wilmot for appearing.
I was a little confused, like the NDP member, about the structure, but her questions clarified it.
Mr. Wilmot, you mentioned that you charge banks or participants a fee based on an arrangement that's going to change and that what participants charge to their customers is up to them. You said that 95% of customers do not pay for their e-transfers, that only 5% of customers do. It's because, as you said, they bundle e-transfer prices into the other services they offer. In effect, customers are paying for e-transfers, maybe not directly but because of the chequing account that they've signed up for or because e-transfer is part of a bundled service. Is that correct?