When a consumer withdraws cash from an ATM machine owned by a bank other than her own, it has been customary for an interchange fee to be paid by the ____ to the ____. (BLJ, pp.119-121; Kindle, 2054-2072)

a bank that owns the ATM machine; consumers bank

b consumers bank; bank that owns the ATM machine

c bank that owns the ATM machine; ATM network

d consumers bank; ATM network