Witnesses: Canadian Imperial Bank of Commerce: Sonia Baxendale, Senior Executive Vice-President, Retail Markets. Competition Bureau: Richard Taylor, Deputy Commissioner, Civil Matters Branch. National Bank of Canada: Michel Tremblay, Senior Vice-President, Personal Banking and Wealth Management. Office of the Privacy Commissioner of Canada: Heather H. Black, Assistant Commissioner (PIPEDA). Royal Bank of Canada: Jim Westlake, Group Head, Canadian Banking. Toronto Dominion Bank: Tim Hockey, Co-Chair, TD Canada Trust. Bank of Nova Scotia: Christopher Hodgson, Executive Vice-President and Head of Domestic Personal Banking, Senior Executive Office - Domestic Personal Banking. BMO Bank of Montreal: Maurice A.D. Hudon, Senior Executive Vice-President, Personal and Commercial Banking Canada. Credit Union Central of Canada: David Phillips, President and Chief Executive Officer. UseMyBank: Joseph Iuso, Chief Executive Officer; Brian Crozier. Association of Community Organizations for Reform Now (ACORN): Evan Soikie, Board Member, Chair, Ottawa Chapter. VisionCraft Development Corporation: Susan Ransom, Chief Operating Officer, Cheque Security Specialist. Retail Council of Canada: Peter Woolford, Vice-President, Policy Development and Research.