Interchange Downgrade Fees
               
VIBS CDN ELC NON-EMV 1.86% VISA CDN STD  0.86% VINF CDN EMV 0.73% VIPP CDN ELC NON-EMV 0.15%
VIBS CDN EMER 1.31% VISP 2.01% VINF CDN ELC NON-EMV 1.10% VIPP CDN STD 0.86%
VIBS CDN REC 1.36% MC CDN STD 0.88% MC FGN PREM STD 2.01% VIBS CDN EMV 1.41%
VIBS FGN 2.01% MC FGN 0.40% MCEC CDN ELC 1.35% MCBS FGN STD 2.09%
VIBS CDN STD 1.96% MC FGN STD 1.24% MCEC CDN STD 1.93% MBWE CDN ELC 1.64%
VDBT CDN STD 1.05% MC FGN PREM ELC 1.56% MCBS CDN 1.54% MBWE CDN STD 2.49%
VDBT CDN REC 0.55% VISA FGN 0.40% MCBS FGN 1.94% MCHV CDN ELC 1.56%
VDBT CDN EMER 0.20% VISA FGN STD 1.21% VINF CDN STD 1.74% MCHV CDN STD 2.41%
VISA CDN ELC NON-EMV 0.15% VISA FGN PREM 1.41% VINF CDN REC 0.81%