--- a/latest/charters/payments-wg-charter.html	Thu Jul 16 21:13:46 2015 -0500
+++ b/latest/charters/payments-wg-charter.html	Thu Jul 16 21:25:56 2015 -0500
@@ -113,8 +113,8 @@
         <li>Easier integration of new payment schemes by payment service providers, increasing the variety of payment
             instruments accepted by payees.
         </li>
-        <li>Increased scope for <a href="#wallets">digital wallet</a> innovation by banks, retailers, mobile operators,
-            card networks, and other wallet providers.
+	   <li>Easier deployment of <a href="#wallets">digital wallets</a> from banks, retailers, mobile operators,
+            card networks, and other providers, enabling innovation and differentiation based on value-added services based on location, mobile banking, marketing relationships, and so on.
         </li>
         <li>Lower costs for merchants due to increased competition between payment instrument providers and easier
             adoption of new instruments.