At Fusion, it is our practice to review our fee for service guide annually.  We often implement increases that are a result of a changing competitive landscape, and/or to keep up with the fees that we are responsible for with our third-party providers.  We are confident that our service fees are comparable to other credit unions and banks – we conducted a review of different institutions and confirmed that Fusion is neither the lowest nor the highest, but well-aligned with a similar approach as our peers.  We also know that Payments Canada is working to modernize the payments systems across the country - faster payment options – easier payments – the convenience of cross-border payments – and transaction transparency, among others.  Fusion is aligned with this vision and to make it a reality, we're investing in the future of payments to ensure we have the best offers available for our members.