Canadian Tire and Kognitive have enjoyed a long-standing partnership to promote and acquire credit card customers in our retail and gas locations. Kognitive has demonstrated adaptability in an ever changing environment, including the move away from chasing volume in favour of employing data-driven insights to focus on improving the quality of interactions and acquiring customers that both understand and will continue to engage with our products. Kognitive’s investment in technology has also been a great benefit to our program; their ability to assign training and track coaching in real-time in addition to monitoring in-field results gives CT confidence in knowing exactly what is happening when and where. We enjoy a very strong, open and transparent working relationship with Kognitive through all areas of the business, ranging from their support with geographic specific recruitment efforts to promoting and maintaining positive interactions with store-level staff across our retail network.