The second day of the Visa/MasterCard antitrust trial included testimony from a banker who issues American Express cards, a retail store executive who discussed interchange fees, and a former MasterCard executive who had managed smart card initiatives.

Lawrence B. Kesler, an executive vice president at Banco Popular of San Juan, Puerto Rico, testified Tuesday that if his bank had not signed an agreement with American Express Co. to issue cards on the nonbank's behalf, "our customers would have an Optima card from American Express."

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