Whether it's an advantage...it's a competitive reality that credit unions are obviously significantly smaller than any of the five chartered banks, so they band together and provide a larger scope of access. They have two options. There's a network called Acculink, which is credit union only, and then they could participate in the Exchange--which, other than in the Prairies, the rest of the country does--to allow for a no-surcharge situation. Then some of the individual credit unions choose, at their option, not to charge any incremental service charges to their own cardholders for those transactions as well.
