Undisclosed Fees Charged by Banks and Desjardins for Foreign Exchange Conversions
All persons who entered into an agreement for banking services with any of the Defendants, for purposes other than business, and who, for a foreign exchange transaction, paid an additional amount – on top of the interbank exchange rate or other reference rate – that was not precisely indicated in the agreement, and who currently reside in the province of Quebec or who resided in the province of Quebec at the time they entered into their agreement (or anywhere in Canada for Desjardins, Bank of Montreal, National Bank of Canada, Laurentian Bank and Shakepay).