Finance committee  No, I don't believe so. Of course, in the Exchange, we don't surcharge. As a consumer, I can tell you that I've never seen that kind of fee. What we need to be careful of.... I think the word used in the question was “forced”. It seems unlikely to me that somebody would be forc

Finance committee  Well, that may be your only other option if there's no machine there at all. I'm not suggesting I support $6 fees, because we don't support fees at all in the network.

Finance committee  Whether it's an advantage...it's a competitive reality that credit unions are obviously significantly smaller than any of the five chartered banks, so they band together and provide a larger scope of access. They have two options. There's a network called Acculink, which is credi

Finance committee  Yes.

Finance committee  The Exchange actually pre-exists Acculink by three years, so it's been around since 1983, and Acculink, to my recollection, has been around since 1996. So it's been in place for quite a long time, yes.

Finance committee  Good morning. Thank you for giving me the opportunity to address the committee on this important issue of ATM surcharging. FICANEX Services is the operator of the Exchange and is owned by a number of smaller Canadian financial institutions. It has two core principles for the Exc