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		 Say you have a TD bank card and you go to a ScotiaBank machine to withdraw money. 
ScotiaBank charges you a fee as they are providing a service to you that they have no obligation to provide.  They also charge a fee to your bank for providing this service this you.  Your bank passes the fee down to you. 
		
	
		
		
		
		
			
		
		
		
		
	
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