Finance committee  Yes, as the more complex interchange structure was introduced, we did change our pricing structure in response to that. I can tell you that overall from when we started the company--the first full year was 2001--to 2008, the difference between what we were charged in interchange

Industry committee  From our perspective, no.

Industry committee  Yes, we did.

Industry committee  Yes, as the more complex interchange structure was introduced, we did change our pricing structure in response to that. I can tell you that overall from when we started the company--the first full year was 2001--to 2008, the difference between what we were charged in interchange

Finance committee  Thank you very much. Thank you for the invitation to speak to the committee regarding the study of the credit and debit card industry in Canada. We appreciate the opportunity to appear before you and share information with you in support of your study. I'm Jim Baumgartner, pre

Industry committee  Thank you very much. Thank you for the invitation to speak to the committee regarding the study of the credit and debit card industry in Canada. We appreciate the opportunity to appear before you and share information with you in support of your study. I'm Jim Baumgartner, pre