DECEMBER 2013

College Credit Card Agreements ANNUAL REPORT TO CONGRESS

1 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

Table of contents

1. Purpose...... 3

2. Introduction ...... 4

3. Overview of college card agreements ...... 7 3.1 Credit card issuers ...... 7

3.2 College card agreements ...... 9

3.3 Institutions of higher education, affiliated organizations, and other organizations ...... 12

3.4 Open college credit card accounts ...... 14

4. Detailed information about college credit card agreements ...... 22

Appendix A: ...... 24 College credit card agreements in effect in 2012 ...... 24

Appendix B: ...... 50 College credit card agreements terminated in 2011 ...... 50

Appendix C: ...... 57 Corrected information regarding college credit card agreements ...... 57

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1. Purpose

The Credit Card Accountability, Responsibility and Disclosure Act (“CARD Act”) requires the Consumer Financial Protection Bureau (“CFPB”) to submit to the Congress, and to make available to the public, an annual report that lists information submitted to the Bureau concerning agreements between credit card issuers and institutions of higher education (“institutions”) or certain affiliated organizations (“college credit card agreements” or “agreements”).a Affiliated organizations include fraternities, sororities, alumni associations, or foundations affiliated with or related to an institution of higher education. As this report demonstrates, the majority of college credit card agreements are between issuers and affiliated organizations.

This is the fourth annual report pursuant to this provision of the CARD Act. The first two reports were submitted by the Federal Reserve Board. Pursuant to Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, responsibility for collecting and submitting to the Congress annual reports regarding college credit card agreements transferred from the Federal Reserve Board to the CFPB on July 21, 2011.

a The Consumer Financial Protection Bureau (the “CFPB”) submits this report in accordance with Section 305 of the Credit Card Accountability Responsibility and Disclosure Act of 2009 (the “ CARD Act”), Pub. L. No. 111–24, § 305(a), 123 Stat. 1734, 1749-50 (2009).

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2. Introduction

Title III of the CARD Act contains a number of provisions designed to provide protections to younger consumers. For example, the Act restricts the marketing of credit cards to college students on or near college campuses or at school-sponsored events by prohibiting the use of gifts or any tangible items to induce students to apply for credit cards.b In addition, the Act prohibits the marketing of preapproved offers to a consumer under the age of 21 without the consumer’s consent.c The Act also prohibits credit card issuers from extending credit to persons under age 21 without a written application demonstrating the consumer’s independent ability to make payments or a cosigner age of 21 or over with the means to make payments.d The Bureau’s recent report on the CARD Act addresses the effectiveness of these provisions in protecting younger consumers.e

Section 305 of the CARD Act was intended to bring greater transparency to the college and university credit card market. Specifically, credit card issuers are requiredf to submit to the CFPB each year the terms and conditions of any college credit card agreement that was in effect

b 15 U.S.C. § 1650(f)(2) (2012).

c 15 U.S.C. § 1681b(c)(1)(B)(iv) (2012).

d 15 U.S.C. § 1637(c)(8) (2012).

e The Bureau’s 2013 CARD Act report can be found at http://files.consumerfinance.gov/f/201309_cfpb_card-act-report.pdf.

f See 15 U.S.C. § 1637(r) (2012) and the CFPB’s implementing regulations, 12 C.F.R. § 1026.57(d), which the Bureau issued as an interim final rule in December 2011 and which restates regulations initially promulgated by the Federal Reserve Board; see also 76 FR 79768 (Dec. 22, 2011).

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at any time during the preceding calendar year between the issuer and an institution of higher education, an alumni organization, or a foundation affiliated with an institution of higher education (an “affiliated organization”).g Issuers also are required to submit the following information with respect to each agreement: (1) the number of credit card accounts covered by the agreement (“college credit card accounts”) that were open at year-end (regardless of when the account was opened); (2) the amount of payments made by the issuer to the institution or organization during the year;h (3) the number of new college credit card accounts covered by the agreement that were opened during the year; and 4) any Memorandum of Understanding (MOU) between the issuer and institution or affiliated organization that directly or indirectly relates to any aspect of the agreement.

Issuers were required to make their fourth annual submission by April 1, 2013. This submission comprised college credit card agreements to which the issuer was a party during 2012 and information regarding payments and accounts as of December 31, 2012.

As part of its effort to achieve greater transparency, Congress directed the Bureau to issue a report each year on the information and documents provided by card issuers, including the number of new accounts opened pursuant to agreements between card issuers and colleges and universities and the compensation paid by issuers to these institutions. This report is based on the information and agreements submitted to the CFPB by credit card issuers. The report finds a continuing decrease in the number of colleges and universities sponsoring credit card programs, the number of new accounts being originated under such programs, and the compensation paid to the institutions pursuant to these programs.

Because some agreements address the provision of other financial products (such as deposit accounts) as well as credit cards, payments made by issuers under these agreements may not

g In some cases, issuers submitted to the Bureau agreements with other types of organizations, such as fraternities, sororities, and professional or trade organizations that relate to the issuance of credit cards to college students. Such agreements are included in this report and categorized as agreements with “other organizations.”

h All payments included in this report are rounded to the nearest dollar.

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relate solely to credit card accounts. In addition, some or all of the accounts opened pursuant to these agreements may have been opened by individuals who are not students (such as alumni, faculty, and staff of an institution of higher education). Furthermore, card issuers’ submissions do not include information regarding credit card accounts opened by students independent of a college credit card agreement (such as when a student responds to an offer made to the general public). The CFPB also notes that, because issuers were required to submit all college credit card agreements to which they were a party at any time during 2012, issuers’ submissions may include agreements that terminated in 2012 or 2013 and therefore are no longer in effect.

Information included in this report also is available on the Bureau’s public website at www.consumerfinance.gov. In addition, under section 304 of the Credit CARD Acti and its implementing regulations, 12 C.F.R. § 1026.57(b), an institution of higher education must publicly disclose college credit card agreements between a card issuer and the institution.

i 15 U.S.C. § 1650(f)(1) (2012).

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3. Overview of college card agreements

As presented in Table 1, the CFPB received 617 college credit card agreements from 23 credit card issuers for 2012. Between 2011 and 2012, the number of agreements, total of college credit card accounts open at year-end, and payments by issuers during the year all declined. The number of new college credit accounts opened during the year rose slightly in 2012 after falling in 2010 and 2011. Only the number of issuers increased from 2009 to 2012; all other measures declined over this period.

TABLE 1: COMPARISON OF COLLEGE CREDIT CARD AGREEMENT AND RELATED INFORMATION RECEIVED FOR 2009, 2010, 2011, AND 2012

Net Change Percent Change Item 2012 2011 2010 2009 2009 to 2012 2009 to 2012 Number of issuers 23 21 22 18 5 28% Agreements in effect 617 796 1,005 1,045 -428 -41% Total accounts open at year- 1,222,718 1,503,664 1,709,054 2,041,511 -818,793 -40% end Payments by issuers $50,396,103 $62,508,677 $73,459,987 $84,462,767 -$34,066,664 -40% New accounts opened 45,519 43,227 46,385 55,747 -10,228 -18%

3.1 Credit card issuers Twenty-three issuers submitted agreements for 2012, an increase of one issuer from 2011. Two new issuers submitted agreements in 2012, while one issuer consolidated its reporting.

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TABLE 2: CREDIT CARD ISSUERS WITH COLLEGE CARD AGREEMENTS IN EFFECT IN 2012

Agreements in effect in Total open accounts as Payments by issuer in New accounts opened Credit card issuer 2012 of 12/31/2012 2012 in 2012 FIA Card Services, N.A. 412 983,670 $35,581,416 26,566 Capital One, N.A. 55 6,204 $1,324,876 2,859 U.S. Bank National 48 37,935 $124,979 2,531 Association ND UMB Bank, N.A. 39 11,431 $62 657 Chase Bank USA, N.A. 15 83,390 $5,855,531 156 Pennsylvania State 14 2,290 $8,320 282 Employees Credit Union INTRUST Bank, N.A. 10 31,614 $2,004,998 1,275 USAA Savings Bank 4 3,615 $214,714 924 Pen Air Federal Credit 2 55 $694 27 Union GE Capital Retail Bank 2 819 $1,528,572 135 Oregon Community Credit 2 1,163 $450,000 1,163 Union and OCCU Card Services, LLC Michigan State University 2 2,701 $435,000 1,361 Federal Credit Union Compass Bank 2 4 $230,000 2 MIT Credit Union 1 175 $20,000 50 Carolina Trust FCU 1 96 $735 32 Barclays Bank Delaware 1 8,300 $1,000,000 300 Elevations Credit Union 1 2,336 $0 0 Banco Popular de Puerto 1 16,500 $74,706 597 Rico University of Illinois 1 7,526 $487,500 3,306 Employees Credit Union Purdue Federal Credit 1 22,567 $1,000,000 3,126 Union Wright-Patt Credit Union, 1 71 $15,000 71 Inc. USC Credit Union 1 256 $39,000 99 PNC Bank, N.A. 1 0 $0 0 Total 617 1,222,718 $50,396,103 45,519

3.1.1 New issuers Both of the new issuers in the 2012 submission were credit unions, each of which submitted agreements with affiliates of a local university – Wright-Patt Credit Union with the Wright State University Alumni Association and Oregon Community Credit Union with the Alumni Association of the University of Oregon and the Oregon State University Alumni Association.

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MIT Credit Union is also included in this report for the first time. Its agreement with the MIT Alumni Association was active in 2011, but it did not submit the information to the Bureau. The MIT Alumni Association and the Wright State University Alumni Association each previously had agreements with FIA Card Services, N.A. (“FIA”), a subsidiary of Bank of America Corporation. These agreements were terminated in 2011 and 2012, respectively. The Alumni Association of the University of Oregon and the Oregon State University Alumni Association both additionally have agreements with Chase Bank USA, N.A. (“Chase”) that remain active as of January 1, 2013.

3.1.2 Issuers consolidating reporting Capital One Bank USA, N.A. (“Capital One Bank”) is an affiliate of Capital One, N.A. (“Capital One”). Both issuers submitted an agreement with the Keystone College Alumni Association in 2011. In 2012 the banks submitted combined information.

3.1.3 Issuers submitting the largest number of agreements As in 2009 through 2011, FIA submitted the most agreements. FIA submitted 412 agreements, which was nearly 67% of all agreements submitted in 2012. Capital One and US Bank, N.A. (“US Bank”) submitted the second and third most, respectively, with 55 and 48 agreements. US Bank, which had the second highest number of agreements for the previous two years, moved to third in 2012.

3.2 College card agreements As presented in Table 3, issuers submitted 617 college card agreements for 2012, a decrease of 179 agreements—approximately 23%—relative to 2011.

3.2.1 New agreements in 2012 While the total number of college card agreements declined from 2011 to 2012, issuers added 50 new agreements in 2012. Capital One entered into 24 new agreements in 2012, its second year of rapid growth. UMB Bank, N.A. also experienced strong growth with 17 new agreements

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in 2012. The remaining 9 new agreements were distributed roughly evenly across six issuing institutions.

3.2.2 Agreements terminated in 2011 As Table 3 also shows, 228, or approximately 29 percent, of the 796 college card agreements in effect during 2011 were terminated at or before year-end 2011, though some educational institutions re-opened agreements with different issuers. A complete list of terminated agreements is included in Appendix B of this report. The issuer with the largest number of agreements terminated was FIA, with 221, or approximately 35 percent of FIA’s total agreements in 2011, terminated. FIA’s total accounted for 97% of all agreements terminated in 2011.

Most of the agreements terminated in 2011 were associated with college credit card programs with 5,000 or fewer open accounts. Five agreements with over 5,000 active accounts were terminated in 2011: (1) Duke Alumni Association, Inc.; (2) Arizona State University Alumni Association; (3) California State University Long Beach Alumni Association; (4) National Dean’s List Graduate; and (5) University of Utah Alumni Association. Duke Alumni Association’s agreement was with Chase, while the remaining four agreements were with FIA.

TABLE 3: CHANGE IN NUMBER OF COLLEGE CARD AGREEMENTS FROM 2011 TO 2012

Agreements in Agreements New agreements in Agreements in Net change from Credit card issuer effect in 2011 terminated in 2011 2012 effect in 2012 2011 to 2012 FIA Card Services, N.A. 633 221 0 412 -221 U.S. Bank National 51 3 0 48 -3 Association ND Capital One, N.A. 31 0 24 55 24 UMB Bank, N.A. 22 0 17 39 17 Chase Bank USA, N.A. 17 2 0 15 -2 Pennsylvania State 13 1 2 14 1 Employees Credit Union INTRUST Bank, N.A. 10 0 0 10 0 USAA Savings Bank 2 0 2 4 2 Compass Bank 3 1 0 2 -1 GE Capital Retail Bank 2 0 0 2 0 Michigan State University 2 0 0 2 0 Federal Credit Union Pen Air Federal Credit Union 1 0 1 2 1 USC Credit Union 1 0 0 1 0

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Agreements in Agreements New agreements in Agreements in Net change from Credit card issuer effect in 2011 terminated in 2011 2012 effect in 2012 2011 to 2012 Oregon Community Credit 0 0 2 2 2 Union and OCCU Card Services, LLC Banco Popular de Puerto 1 0 0 1 0 Rico Carolina Trust FCU 1 0 0 1 0 University of Illinois 1 0 0 1 0 Employees Credit Union Barclays Bank Delaware 1 0 0 1 0 Elevations Credit Union 1 0 0 1 0 PNC Bank, N.A. 1 0 0 1 0 Purdue Federal Credit Union 1 0 0 1 0 Capital One Bank (USA), N.A. 1 Included in Capital n/a One Wright-Patt Credit Union, Inc. 0 0 1 1 1 MIT Credit Union 0 0 1 1 1 Total 796 228 50 617 -179

3.2.3 Terminated in 2012 As shown in Table 4, 202 of the agreements in effect during 2012 were terminated before January 1, 2013.j The issuers with the largest number of terminated agreements in 2012 were FIA, with 188 or approximately 45% of its agreements, and US Bank, with 8 or approximately 17% of its agreements. Though some terminations may have resulted in new agreements with different issuers, we expect the total number of agreements in effect in 2013 to continue to decline provided that the number of terminated agreements continues to strongly outpace the number of new agreements being created. Three banks – Compass Bank, Barclays, and PNC Bank – terminated all their existing agreements in 2012.

j Other tables throughout this report reflect the number of agreements that were terminated in 2011, and thus were not in effect at any point in 2012. Table 4 reflects the number of agreements that were in effect at some point in 2012 but were terminated prior to the end of the year. These agreements will thus not be in effect at any point in 2013.

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TABLE 4: COLLEGE CARD AGREEMENTS TERMINATED IN 2012

Credit card issuer Agreements terminated in 2012

FIA Card Services, N.A. 188 U.S. Bank National Association ND 8 Compass Bank 2 PNC Bank, N.A. 1 UMB Bank, N.A. 1 Capital One, N.A. 1 Barclays Bank Delaware 1 Total 202

3.3 Institutions of higher education, affiliated organizations, and other organizations

As presented in Table 5, approximately 43 percent of college card agreements in effect in 2012 were between an issuer and an alumni association affiliated with an institution of higher education. An additional 28 percent were between a credit card issuer and an institution of higher education. Approximately 19 percent were between a credit card issuer and other organization affiliated with an institution of higher education, just over 8 percent of agreements in effect were between issuers and foundations, and less than 1 percent of agreements were between an issuer and multiple organizations.k

k For example, an agreement to which both a university and that university’s affiliated alumni association were parties.

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TABLE 5: TYPE OF INSTITUTION OR ORGANIZATION IN ORDER OF NUMBER OF AGREEMENTS IN EFFECT IN 2012

Type of institution or Agreements in effect in Total open accounts: Payments by issuer in New accounts opened in organization 2012 12/31/2012 2012 2012 Alumni Associations 268 735,653 $30,805,379 32,072 Institutions of higher 175 222,446 $11,791,359 8,644 education Other organizations 120 163,438 $3,654,000 2,504 Foundations 48 79,513 $3,560,142 1,880 Multiple institutions and 6 21,668 $585,222 419 organizations Total 617 1,222,718 $50,396,103 45,519

The composition of reported affinity agreements has changed significantly since the 2010 year’s report, in which alumni associations constituted 36 percent of affinity agreements and institutions of higher education constituted 37 percent. The growth in alumni associations’ share of affinity agreements at the expense of the share institutions of higher education is a continuation of the trend presented in figure 1. Alumni associations have consistently comprised a larger portion of affinity agreements in each year for which data is available, passing institutions of higher education as the largest group of college affinity card agreements in 2011 and continuing to grow in 2012. Universities and other institutions of higher education have correspondingly comprised a smaller portion of affinity agreements in each year.

FIGURE 1: SHARE OF TOTAL AGREEMENTS BY INSTITUTION TYPE FROM 2009 TO 2012

Share of total agreements 50% Alumni Associations 45% 43% 40% 37% 35% Institutions of higher education 30% 28% 25% Other organizations 20% 15% Foundations 10% 5% Multiple institutions and 0% organizations 2009 2010 2011 2012

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3.4 Open college credit card accounts As presented in Table 6, the total number of open college credit card accounts at year-end declined from 2009 to 2012 by approximately 40 percent. While some issuers had increased numbers of open accounts at year-end 2012, these increases were offset by larger declines experienced by other issuers.

TABLE 6: CHANGE IN TOTAL OPEN ACCOUNTS AS OF DECEMBER 31, FROM 2009 TO 2012

Total open Total open Total open Total open Percent Net change Credit card issuer accounts: accounts: accounts: accounts: change 2009 2009 to 2012 12/31/2012 12/31/2011 12/31/2010 12/31/2009 to 2012 FIA Card Services, N.A. 983,670 1,260,973 1,445,088 1,605,969 -622,299 -39% Chase Bank USA, N.A. 83,390 95,910 120,295 217,917 -134,527 -62% U.S. Bank National Association ND 37,935 56,521 48,644 122,163 -84,228 -69% INTRUST Bank, N.A. 31,614 27,581 31,608 33,913 -2,299 -7% Banco Popular de Puerto Rico 16,500 17,122 22,131 22,659 -6,159 -27% Purdue Federal Credit Union 22,567 17,919 16,358 14,176 8,391 59% Barclays Bank Delaware 8,300 8,845 6,740 5,771 2,529 44% Pennsylvania State Employees 2,290 3,236 9,121 9,349 -7,059 -76% Credit Union University of Illinois Employees 7,526 4,222 771 7,526 Credit Union UMB Bank, N.A. 11,431 373 418 232 11,199 4827% Capital One, N.A. 6,204 3,246 44 6,204 Elevations Credit Union 2,336 2,579 2,053 2,408 -72 -3% PNC Bank, N.A. 0 1,617 2,444 3,218 -3,218 -100% USAA Savings Bank 3,615 958 1,289 539 3,076 571% Michigan State University Federal 2,701 1,438 210 275 2,426 882% Credit Union GE Capital Retail Bank 819 840 978 1,484 -665 -45% First National Bank of Omaha 729 1,062 -1,062 -100% Oregon Community Credit Union 1,163 1,163 and OCCU Card Services, LLC USC Credit Union 256 184 104 256 Commerce Bank, N.A. 376 -376 -100% Carolina Trust FCU 96 64 25 96 MIT Credit Union 175 175 Pen Air Federal Credit Union 55 29 0 55 Wright-Patt Credit Union, Inc. 71 71 Capital One Bank (USA), N.A. 4 4 0 0 Compass Bank 4 3 0 0 4 Total 1,222,718 1,503,664 1,709,054 2,041,511 -818,793 -40%

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3.4.1 Largest numbers of open accounts at year-end Table 7 presents the 10 college card agreements with the largest number of open accounts as of December 31, 2012. These 10 agreements represent approximately 24 percent of all open college credit card accounts as of December 31, 2012.

The 7 agreements with the largest number of open accounts at year end 2012 (all issued by FIA) were also the top 7 in 2011. FIA’s agreement with the University of Georgia Foundation moved from having the eighth most open accounts in 2011 to the eleventh most open accounts as of year-end 2012. Purdue Federal Credit Union’s agreement with the Purdue Alumni Association moved from having the thirteenth most open accounts in 2011 to the eighth most open accounts as of year-end 2012. As a result, FIA is no longer the only issuer with agreements among the top 10 largest number of open accounts as of year-end 2012.

TABLE 7: TEN AGREEMENTS WITH THE LARGEST TOTAL NUMBER OF OPEN ACCOUNTS AS OF DECEMBER 31, 2012

Total open accounts: Total open accounts: Institution or organization Credit card issuer Rank as of 12/31/2011 12/31/2012 12/31/2011

Penn State Alumni FIA Card Services, N.A. 60,490 65,955 1 Association

Alumni Association of the FIA Card Services, N.A. 31,090 33,773 3 University of Michigan

Golden Key International FIA Card Services, N.A. 30,560 33,775 2 Honour Societyl

Association of Former Students of Texas AM FIA Card Services, N.A. 29,868 32,585 4 University The Ex Students Association of The FIA Card Services, N.A. 27,635 30,133 5 University of Texas

l Golden Key International Honour Society (“Golden Key”) describes itself as “an academic honor society which recognizes and encourages scholastic achievement and excellence among college and university students from all academic disciplines” (see www.goldenkey.org/GKIHS/GoldenKeyInDepth/WhatisGoldenKey). Golden Key’s agreement with FIA provides for the issuance of credit cards to college students.

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Total open accounts: Total open accounts: Institution or organization Credit card issuer Rank as of 12/31/2011 12/31/2012 12/31/2011

UCLA Alumni Association FIA Card Services, N.A. 24,201 25,309 7

Indiana University Alumni FIA Card Services, N.A. 23,370 25,763 6 Association

Purdue Federal Credit Purdue Alumni Association 22,567 17,919 13 Union

University of Southern FIA Card Services, N.A. 18,768 19,512 9 California

Wisconsin Alumni FIA Card Services, N.A. 18,417 20,205 8 Association

Total - 286,966 304,929 -

3.4.2 Payments by credit card issuers As presented in Table 8, the total amount of payments made by issuers to institutions and organizations under college credit card agreements declined from 2009 to 2012 by approximately 40 percent.

TABLE 8: CHANGE IN TOTAL PAYMENTS BY ISSUER AS OF DECEMBER 31 FROM 2009 TO 2012

Payments by Payments by Payments by Payments by Net change 2009 Percent Credit card issuer issuer: 12/31/2012 issuer: 12/31/2011 issuer: 12/31/2010 issuer: 12/31/2009 to 2012 change 2009 to 2012 FIA Card Services, N.A. $35,581,416 $44,686,687 $55,597,361 $61,968,307 -$26,386,891 -43% Chase Bank USA, N.A. $5,855,531 $7,698,583 $9,175,575 $13,892,863 -$8,037,331 -58% INTRUST Bank, N.A. $2,004,998 $2,057,979 $1,977,580 $1,781,180 $223,818 13% U.S. Bank National $124,979 $1,492,648 $1,875,994 $2,502,744 -$2,377,765 -95% Association ND GE Capital Retail Bank $1,528,572 $1,525,533 $1,525,678 $1,725,816 -$197,244 -11% Barclays Bank Delaware $1,000,000 $1,000,000 $1,000,000 $1,000,000 $0 0% Purdue Federal Credit Union $1,000,000 $1,000,000 $1,000,000 $1,000,000 $0 0% University of Illinois $487,500 $750,000 $500,000 $487,500 Employees Credit Union PNC Bank, N.A. $0 $200,000 $200,000 $200,000 -$200,000 -100% Compass Bank $230,000 $350,000 $198,000 $150,000 $80,000 53% Michigan State University $435,000 $435,000 $150,000 $60,000 $375,000 625% Federal Credit Union

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Payments by Payments by Payments by Payments by Net change 2009 Percent Credit card issuer issuer: 12/31/2012 issuer: 12/31/2011 issuer: 12/31/2010 issuer: 12/31/2009 to 2012 change 2009 to 2012 USAA Savings Bank $214,714 $161,490 $111,487 $84,530 $130,184 154% Banco Popular de Puerto $74,706 $77,799 $78,016 $58,729 $15,977 27% Rico USC Credit Union $39,000 $38,000 $38,000 $39,000 UMB Bank, N.A. $62 $10,310 $14,975 $3,734 -$3,672 -98% First National Bank of Omaha $12,433 $17,788 -$17,788 -100% Elevations Credit Union $0 $3,752 $3,950 $3,372 -$3,372 -100% Pennsylvania State $8,320 $270 $405 $7,375 $945 13% Employees Credit Union Capital One Bank (USA), N.A. $107 $233 $0 $0 Capital One, N.A. $1,324,876 $1,019,932 $218 $1,324,876 Carolina Trust FCU $735 $558 $80 $735 Oregon Community Credit $450,000 $450,000 Union and OCCU Card Services, LLC MIT Credit Union $20,000 $20,000 Wright-Patt Credit Union, Inc. $15,000 $15,000 Commerce Bank, N.A. $6,329 -$6,329 -100% Pen Air Federal Credit Union $694 $29 $0 $694 Total $50,396,103 $62,508,677 $73,459,987 $84,462,767 -$34,066,664 -40%

3.4.3 Largest payments by credit card issuers Table 9 presents the 10 college credit card agreements with the largest payments made by the credit card issuer in 2012. These 10 agreements represent approximately 29 percent of all payments made by issuers pursuant to college card agreements in 2012.

As table 9 shows, all ten of these agreements also were among the eleven agreements with the largest payments in 2011. The University of Arizona Alumni Association, which had the sixth highest issuer payments in 2011 with $1,323,944 paid by FIA, declined to 108th with $70,428 in payments in 2012.

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TABLE 9: TEN AGREEMENTS WITH THE LARGEST PAYMENTS MADE BY THE CREDIT CARD ISSUER IN 2012

Issuers’ payments Issuers’ payments Rank as of Institution or organization Credit card issuer in 2012 in 2011 12/31/2011

Penn State Alumni FIA Card Services, N.A. $2,742,743 $2,742,743 1 Association

Alumni Association of the FIA Card Services, N.A. $1,800,000 $1,700,000 2 University of Michigan

University of Southern FIA Card Services, N.A. $1,505,550 $1,502,250 3 California

University of Tennessee Chase Bank USA, N.A. $1,428,571 $1,428,571 4

California Alumni Association FIA Card Services, N.A. $1,353,450 $1,353,825 5

General Alumni Assoc of Univ FIA Card Services, N.A. $1,250,000 $1,250,000 7 of N Carolina at Chapel Hill

Association of Former Students of Texas AM FIA Card Services, N.A. $1,209,702 $1,206,156 9 University

The University of Georgia $1,307,086 FIA Card Services, N.A. $1,157,737 8 Foundation

Yale University Chase Bank USA, N.A. $1,140,000 $1,140,000 10

Boston College GE Capital Retail Bank $1,100,000 $1,096,961 11

Total - $14,687,753 $14,660,465 -

3.4.4 New college credit card accounts As presented in Table 10, the total number of new college credit card accounts opened by all issuers declined by approximately 18 percent from 2009. Roughly equal numbers of issuers increased and decreased their new account volume. Even so, larger gains at issuers opening new accounts offset declining new accounts elsewhere leading the overall number of new accounts to rise by 2,292 to 45,519 in 2012 from 2011.

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TABLE 10: CHANGE IN TOTAL NEW CREDIT CARD ACCOUNTS OPENED FROM 2009 TO 2012

New accounts New accounts New accounts New accounts Net change 2009 Percent change Credit card issuer opened in 2012 opened in 2011 opened in 2010 opened in 2009 to 2012 2009 to 2012 FIA Card Services, N.A. 26,566 23,103 30,193 38,610 -12,044 -31% U.S. Bank National 2,531 2,892 6,990 7,911 -5,380 -68% Association ND Purdue Federal Credit Union 3,126 2,877 2,642 2,374 752 32% University of Illinois 3,306 3,452 779 3,306 Employees Credit Union Barclays Bank Delaware 300 3,126 1,625 1,326 -1,026 -77% Capital One, N.A. 2,859 3,250 44 2,859 INTRUST Bank, N.A. 1,275 1,244 1,027 1,313 -38 -3% USAA Savings Bank 924 1,029 1,541 539 385 71% Michigan State University 1,361 1,180 48 76 1,285 1691% Federal Credit Union Banco Popular de Puerto 597 442 626 627 -30 -5% Rico Pennsylvania State 282 54 81 1,475 -1,193 -81% Employees Credit Union Oregon Community Credit 1,163 1,163 Union and OCCU Card Services, LLC Chase Bank USA, N.A. 156 157 236 529 -373 -71% UMB Bank, N.A. 657 94 186 31 626 2019% Elevations Credit Union 0 143 145 534 -534 -100% PNC Bank, N.A. 0 16 23 323 -323 -100% GE Capital Retail Bank 135 43 66 77 58 75% USC Credit Union 99 83 104 99 Carolina Trust FCU 32 39 25 32 Wright-Patt Credit Union, Inc. 71 71 MIT Credit Union 50 50 Pen Air Federal Credit Union 27 0 0 27 Compass Bank 2 3 0 0 2 Capital One Bank (USA), N.A. 0 4 0 0 First National Bank of Omaha 0 1 -1 -100% Commerce Bank, N.A. 1 -1 -100% Total 45,519 43,227 46,385 55,747 -10,228 -18%

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3.4.5 Largest number of new accounts opened Table 11 presents the 10 college card agreements with the largest number of new college card accounts opened in 2012. These 10 agreements represent approximately 39 percent of all new college credit card accounts opened during 2012.

As table 11 shows, four of the ten agreements listed were also among the ten agreements with most new accounts in 2011. Of the six agreements in the top ten for 2011 but not for 2012, only one (FIA’s agreement with the University of Notre Dame with the eleventh most new accounts) remained in the top twenty for 2012. The rest – Auburn Spirit Foundation, Georgia Tech Alumni Association, Phi Theta Kappa International Honor Society, and the Association of Graduates of the United States Air Force Academy – fell to 27th, 37th, 84th, and 34th, respectively. Barclays Bank Delaware’s agreement with the Harvard Alumni Association, which ranked second in new account generation in 2011, was terminated in 2012.

Of the six agreements among the top ten for 2012 but not for 2011, four –University of Southern California, UCLA Alumni Association, Penn State Alumni Association, and the California Alumni Association – were among the top twenty in 2011. The Brown Alumni Association agreement with FIA ranked 121st in new accounts in 2011, and the Alumni Association of the University of Oregon’s agreement with Oregon Community Credit Union is new in 2012.

TABLE 11: TEN AGREEMENTS WITH THE LARGEST NUMBER OF NEW ACCOUNTS OPENED IN 2012

New accounts New accounts Rank as of Institution or organization Credit card issuer opened in 2012 opened in 2011 12/31/2011

University of Illinois Alumni University of Illinois 3,306 3,452 1 Association Employees Credit Union

Purdue Alumni Association Purdue Federal Credit Union 3,126 2,877 3

Brown Alumni Association FIA Card Services, N.A. 2,151 63 121

University of Southern FIA Card Services, N.A. 1,608 463 15 California

UCLA Alumni Association FIA Card Services, N.A. 1,521 580 11

20 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

New accounts New accounts Rank as of Institution or organization Credit card issuer opened in 2012 opened in 2011 12/31/2011

Penn State Alumni FIA Card Services, N.A. 1,394 525 12 Association

Michigan State University 1,115 Michigan State University 1,286 5 Federal Credit Union

Alumni Association of the FIA Card Services, N.A. 1,190 618 8 University of Michigan

California Alumni Association FIA Card Services, N.A. 1,179 453 16

Oregon Community Credit Alumni Association of the Union and OCCU Card 959 - - University of Oregon Services, LLC

Total - 17,720 10,146 -

3.4.6 Consolidation of college affinity card agreements From 2009 to 2012, the top ten affinity agreements by account size have grown from 18 percent of all college affinity card accounts to 24 percent. The top ten affinity agreements by payment quantity have similarly grown from 22 percent to 29 percent, and the top ten affinity agreements by new account volume have grown from 16 percent to 40 percent of all new accounts. This growth reflects increasing concentration in a number of large agreements as large issuers shed smaller agreements.

FIGURE 2: TOP 10 SHARE OF ALL AFFINITY AGREEMENTS, 2009 TO 2012

Top Ten Share of Total Value 45% 40%

35% 30% 25% Total accounts 20% Payments by issuers 15% New accounts

Percent of Total 10% 5% 0% 2009 2010 2011 2012

21 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

4. Detailed information about college credit card agreements

Pursuant to Section 305 of the Credit CARD Act, Appendix A to this report lists the information submitted to the CFPB regarding the payments made and accounts opened under college credit card agreements. The complete text of each agreement submitted to the CFPB is available on the Bureau’s public website at www.consumerfinance.gov.

Appendix A lists the following information about each college credit card agreement: (1) the name of the institution or organization; (2) the type of institution or organization;m (3) the city and state where the institution or organization is located; (4) the name of the issuer; (5) whether the agreement has been amended or is new;n (6) whether the agreement was still in

m This report presents information regarding four categories of institutions or organizations. “University” refers to an institution of higher education, as defined in sections 101 and 102 of the Higher Education Act of 1965 (20 U.S.C. § 1001 and 1002). “Alumni association” refers to an alumni organization affiliated with an institution of higher education. “Foundation” refers to a foundation affiliated with an institution of higher education. In some cases, issuers submitted to the CFPB agreements with other types of organizations, such as fraternities, sororities, and professional or trade associations that relate to the issuance of credit cards to college students. “Other” refers to such agreements with other types of organizations.

n This report categorizes each agreement as “same,” “amended,” or “new.” “Same” refers to an agreement that was in effect during 2011, the terms of which were not amended or modified during 2012. “Amended” refers to an agreement that was in effect during 2011, the terms of which were amended or modified during 2012. “New” refers to an agreement that was not in effect prior to 2012.

22 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

effect on January 1, 2013; (7) the total number of open accounts under the agreement as of December 31, 2012; (8) the amount of payments made by the issuer to the institution or organization pursuant to the agreement during 2012; and (9) the number of new accounts opened pursuant to the agreement during 2012.

Appendix B to this report lists college credit card agreements that were in effect at some time during 2011 but were terminated by year-end 2011. This table also is organized alphabetically by the name of the institution or organization. (Agreements terminated in 2012 are included in Appendix A. These agreements are marked as no longer in effect on January 1, 2013)

In 2013, the Bureau received corrected information from INTRUST Bank and MIT Credit Union. Both issuers provided information for 2011 that had not been received by the Bureau in 2012. UMB Bank, N.A erroneously reported 3 entities that are not institutions of higher education for 2011 and Bureau thus removed them from 2011 reporting. The Bureau also reconciled its 2012 submissions with their associated agreements. Some institutions’ names did not match their affinity agreements. These institutions’ names were also corrected. Corrected information 2011 is included in Appendix C to this report. All comparisons to 2011 in this report reflect these corrections.

23 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

APPENDIX A:

College credit card agreements in effect in 2012

The table below lists the information submitted to the CFPB regarding college credit card agreements in effect during 2012. The information below, as well as the complete text of each agreement submitted to the CFPB, is available on the Bureau’s public website at: www.consumerfinance.gov.

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Alabama State University Montgomery AL FIA Card Amended No 205 $1,707 0 University Services, N.A. Alfred State Alumni Alumni Alfred NY FIA Card Amended No 272 $3,421 0 Association Association Services, N.A. Alpha Chi National Other Searcy AR FIA Card Same Yes 1,260 $17,742 40 College Honor Services, N.A. Scholarship Society Alpha Chi Omega Other Indianapolis IN FIA Card Same No 1,571 $12,771 12 Services, N.A. Alpha Delta Pi Sorority Other Atlanta GA FIA Card Amended No 1,590 $18,536 0 Services, N.A. Alpha Epsilon Omega Other Glendale CA Capital One, New Yes 1 $0 0 Foundation N.A. Alpha Gamma Delta Other Indianapolis IN FIA Card Same Yes 1,113 $19,503 23 Services, N.A. Alpha Gamma Rho Other Kansas City MO FIA Card Same Yes 611 $20,000 1 Fraternity Services, N.A. Alpha Kappa Psi Other Indianapolis IN U.S. Bank Same Yes 328 $3,488 47 National Association ND Alpha Omicron Pi Other Brentwood TN FIA Card Same Yes 2,004 $25,922 31 Fraternity Inc Services, N.A. Alpha Phi Delta Foundation Monroeville PA FIA Card Amended No 112 $1,400 0 Foundation Inc Services, N.A. Alpha Phi Delta Other Pittsburgh PA Capital One, New Yes 7 $0 7 Foundation, Inc. N.A. Alpha Phi International Other Evanston IL FIA Card Amended No 1,374 $0 16 Fraternity Services, N.A. Alpha Sigma Alpha Other Indianapolis IN FIA Card Same No 510 $25,000 9 Sorority Services, N.A. Alpha Tau Omega Other Indianapolis IN FIA Card Amended No 171 $0 0 Services, N.A. Alpha Xi Delta Fraternity Other Indianapolis IN FIA Card Same No 807 $6,125 12

24 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Services, N.A. Alumnae Association of Alumni Northampton MA FIA Card Amended Yes 2,621 $53,936 5 Smith College Association Services, N.A. Alumni Association of Alumni Fairfax VA FIA Card Amended No 1,462 $6,574 16 George Mason Association Services, N.A. University Alumni Association of Alumni New York NY FIA Card Same No 516 $3,818 0 the City College of New Association Services, N.A. York Alumni Association of Alumni Ann Arbor MI FIA Card Same Yes 31,090 $1,800,000 1,190 the University of Association Services, N.A. Michigan Alumni Association of Alumni Eugene OR Oregon New Yes 959 $150,000 959 the University of Oregon Association Community Credit Union and OCCU Card Services, LLC Alumni Association of Alumni Vermillion SD FIA Card Amended No 859 $8,737 1 the University of South Association Services, N.A. Dakota Alumni Association of University Charlottesville VA FIA Card Same Yes 1,475 $73,998 669 the University of Virginia Services, N.A. Alumni Association of Alumni Rock Hill SC FIA Card Same Yes 278 $2,935 0 Winthrop University Association Services, N.A. Alumni Association Alumni Loma Linda CA FIA Card Amended No 150 $2,056 0 School of Medicine of Association Services, N.A. Loma Linda University Alverno College University Milwaukee WI FIA Card Same No 243 $2,010 0 Services, N.A. American Association for Other Washington DC FIA Card Same Yes 6,969 $208,731 47 Justice Services, N.A. American Chemical Other Washington DC FIA Card Same Yes 5,722 $163,675 34 Society Services, N.A. American College of Other Arlington IL FIA Card Same Yes 857 $25,027 6 Osteopathic Family Heights Services, N.A. Physicians American College of Other Indianapolis IN FIA Card Same No 397 $1,484 0 Sports Medicine Services, N.A. American Counseling Other Alexandria VA FIA Card Same Yes 2,359 $33,776 88 Association Services, N.A. American Health Other Chicago IL FIA Card Amended No 1,369 $12,022 0 Information Services, N.A. Management Association American Institute of Other Reston VA FIA Card Same Yes 963 $18,680 0 Aeronautics and Services, N.A. Astronautics Inc American Library Other Chicago IL FIA Card Same Yes 919 $14,106 4 Association Services, N.A. American Nuclear Other La Grange Park IL FIA Card Same Yes 386 $5,120 0 Society Services, N.A. American Occupational Other Bethesda MD FIA Card Same Yes 3,523 $58,154 13 Therapy Association Services, N.A. American Society for Other Washington DC FIA Card Same Yes 380 $5,347 0 Microbiology Services, N.A. American Society of Other Washington DC FIA Card Same Yes 1,770 $24,117 2 Interior Designers Inc Services, N.A.

25 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 American Society of Other Washington DC FIA Card Same No 872 $16,036 9 Landscape Architects Services, N.A. American Society of Other Des Plaines IL FIA Card Amended No 1,246 $21,399 1 Safety Engineers Services, N.A. American Veterinary Other Schaumburg IL FIA Card Same Yes 4,735 $173,808 332 Medical Association Services, N.A. Angelo State University Alumni San Angelo TX FIA Card Same Yes 526 $12,156 0 Ex Students Association Association Services, N.A. Appalachian State Foundation Boone NC FIA Card Same Yes 1,229 $55,000 16 University Foundation Services, N.A. Inc Arcadia University University Glenside PA FIA Card Same No 310 $1,632 0 Services, N.A. Arkansas Alumni Alumni Fayetteville AR FIA Card Amended Yes 4,131 $149,094 356 Association Inc Association Services, N.A. Razorback Fayetteville Arkansas State Alumni Jonesboro AR Capital One, Same Yes 202 $3,659 174 University Alumni Association N.A. Association Asociacion Alumni Alumni Mayaguez PR FIA Card Same Yes 4,645 $64,234 0 CAAM Association Services, N.A. Asociacion de Alumni San Juan PR FIA Card Same Yes 3,350 $40,457 2 Exalumnos de la Association Services, N.A. Universidad de Puerto Rico Recinto de Rio Piedras Associated Alumni of Alumni Alamosa CO FIA Card Same Yes 223 $1,898 0 Adams State College Association Services, N.A. Association for Other New York NY FIA Card Amended No 1,883 $0 1 Computing Machinery Services, N.A. Association of Energy Other Atlanta GA FIA Card Amended No 285 $3,566 0 Engineers Services, N.A. Association of Former Alumni College Station TX FIA Card Same Yes 29,868 $1,209,702 696 Students of Texas AM Association Services, N.A. University Association of Alumni Colorado CO USAA Savings Same Yes 2,609 $182,896 358 Graduates of the United Association Springs Bank States Air Force Academy Association of Other Park Ridge IL FIA Card Same Yes 530 $4,108 0 Information Technology Services, N.A. Professionals Assumption College University Worcester MA FIA Card Same No 119 $2,335 0 Services, N.A. Auburn Spirit Foundation Foundation Auburn AL FIA Card Same Yes 13,350 $1,019,425 382 Services, N.A. Augusta State University Foundation Augusta GA FIA Card Amended No 182 $1,023 0 Foundation Inc Services, N.A. Augustana College University Sioux Falls SD FIA Card Same No 401 $2,822 0 Services, N.A. Austin Peay State Alumni Clarksville TN FIA Card Amended No 107 $1,378 0 University National Association Services, N.A. Alumni Association Babson College Alumni Alumni Wellesley MA FIA Card Amended No 525 $12,311 0 Association_Babson Association Services, N.A. College Ball State University Alumni Muncie IN INTRUST Bank, Same Yes 386 $15,848 170 Alumni Association Association N.A. Barnard College University New York NY FIA Card Amended No 103 $945 0 Services, N.A.

26 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Barton College Alumni Wilson NC Capital One, New Yes 1 $0 1 Association N.A. Barton College University Wilson NC FIA Card Amended No 102 $637 0 Services, N.A. Baylor University Alumni Alumni Waco TX U.S. Bank Same Yes 1,884 $30,761 67 Association Association National Association ND Bemidji State University Alumni Bemidji MN U.S. Bank Same Yes 270 $0 14 Alumni Association Association National Association ND Berklee College of Music University Boston MA FIA Card Same Yes 583 $8,698 0 Services, N.A. Beta Alpha Psi Other Durham NC FIA Card Amended No 579 $5,532 0 Services, N.A. Beta Chi Theta Other Pearland TX UMB Bank, N.A. New Yes 0 $0 2 Beta Gamma Sigma Inc Other Saint Louis MO FIA Card Same Yes 1,917 $37,285 34 Services, N.A. Beta Kappa Psi Other Marlboro NJ UMB Bank, N.A. New Yes 0 $0 1 Beta Phi Pi Other Forest Park IL UMB Bank, N.A. New yes 2 $0 1 Beta Theta Pi Other Oxford OH FIA Card Amended No 263 $0 1 Services, N.A. Bethel College Alumni Alumni North Newton KS INTRUST Bank, Same Yes 526 $11,515 6 Association Association N.A. Binghamton University Alumni Binghamton NY Capital One, New Yes 20 $0 20 Alumni Association Association N.A. BITSAA International Inc Alumni Sunnyvale CA Capital One, Same Yes 33 $808 2 Association N.A. Bloomsburg University University Bloomsburg PA Pennsylvania Same Yes 642 $35 7 of Pennsylvania State Employees Credit Union Board of Regents of the University Norman OK FIA Card Same Yes 1,301 $1,000,000 11 University of Oklahoma Services, N.A. Boise State University Alumni Boise ID FIA Card Same Yes 874 $70,525 13 Alumni Association Inc Association Services, N.A. Boston College University Chestnut Hill MA GE Capital Active Yes 494 $1,100,000 65 Retail Bank Boston University Alumni Boston MA Capital One, New Yes 0 $0 0 Alumni Association Association N.A. Boston University Alumni Boston MA U.S. Bank Terminate No 0 $0 0 Alumni Association Association National d 1/12 Association ND Bowling Green State Alumni Bowling Green OH FIA Card Same Yes 1,756 $80,000 5 University Alumni Association Services, N.A. Association Inc Bradley University University Peoria IL FIA Card Amended No 1,421 $26,783 1 Services, N.A. Brandeis University University Waltham MA FIA Card Same Yes 1,496 $0 8 Services, N.A. Bridgewater State Alumni Bridgewater MA U.S. Bank Same Yes 555 $0 36 College Alumni Association National Association Association ND Brookdate Community Alumni Lincroft NJ UMB Bank, N.A. Same No College Alumni Association Association Brooklyn College Alumni Alumni Brooklyn NY FIA Card Amended No 1,051 $3,373 0 Association Association Services, N.A.

27 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Brown Alumni Alumni Providence RI FIA Card Same Yes 7,357 $350,000 2,151 Association Association Services, N.A. Bryant College University Smithfield RI FIA Card Same Yes 462 $8,463 1 Services, N.A. Bryn Mawr College Alumni Bryn Mawr PA FIA Card Amended No 377 $2,814 0 Alumnae Association Association Services, N.A. Bucknell University Alumni Lewisburg PA FIA Card Same No 1,304 $0 0 Alumni Association Association Services, N.A. Buffalo State Alumni Alumni Buffalo NY FIA Card Same Yes 437 $3,600 0 Association Association Services, N.A. Butler Community Foundation El Dorado KS INTRUST Bank, Same Yes 456 $17,900 35 College Foundation N.A. Butler University University Indianapolis IN FIA Card Same No 262 $2,522 0 Services, N.A. Butte College Foundation Oroville CA U.S. Bank Terminate No 502 $1,850 53 Foundation National d 12/12 Association ND Cabrini College University Radnor PA FIA Card Same No 162 $446 0 Services, N.A. California Aggie Alumni Alumni Davis CA FIA Card Same Yes 340 $75,000 7 Association Association Services, N.A. California Alumni Alumni Berkeley CA FIA Card Same Yes 17,516 $1,353,450 1,179 Association Association Services, N.A. California Polytechnic Alumni San Luis CA Capital One, Same Yes 15 $0 15 State University Alumni Association Obispo N.A. Association California Southern University Irvine CA Pen Air Federal New Yes 0 $0 0 University Credit Union California State Alumni Northridge CA Capital One, Same Yes 645 $18,520 203 University Northridge Association N.A. Alumni Association California State University Turlock CA FIA Card Amended No 47 $255 0 University Stanislaus Services, N.A. California University of University California PA Pennsylvania Same Yes 264 $30 6 Pennsylvania State Employees Credit Union California Veterinary Other Sacramento CA FIA Card Amended No 359 $5,551 0 Medical Association Services, N.A. Campbellsville University Campbellsville KY FIA Card Same No 183 $1,923 0 University Services, N.A. Centenary College of University Shreveport LA FIA Card Amended Yes 188 $1,994 0 Louisiana Services, N.A. Central Connecticut Alumni New Britain CT FIA Card Amended No 1,031 $8,575 0 State University Alumni Association Services, N.A. Association Inc Central Michigan University Mount Pleasant MI FIA Card Same Yes 395 $150,000 3 University Services, N.A. Central VA LSU Alumni Alumni Midlothian VA Capital One, Same Yes 1 $0 0 Association N.A. Central Washington Alumni Ellensburg WA FIA Card Same Yes 717 $8,644 0 University Alumni Association Services, N.A. Association Chapman University University Orange CA FIA Card Same Yes 1,085 $13,725 3 Services, N.A. Cheyney University of University Cheyney PA Pennsylvania Same Yes 26 $0 0 Pennsylvania State Employees Credit Union Chi O Creations Other Memphis TN FIA Card Amended No 2,162 $34,995 17 Services, N.A. Chi Phi Fraternity Inc Other Suwanee GA FIA Card Amended No 165 $1,802 0

28 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Services, N.A. Christopher Newport Foundation Newport News VA FIA Card Amended No 184 $1,208 0 University Services, N.A. Clarion University Foundation Clarion PA FIA Card Amended No 143 $0 0 Foundation Inc Services, N.A. Clarion University Foundation Clarion PA Pennsylvania Same Yes 60 $0 0 Foundation, Inc. State Employees Credit Union Clarkson University University Potsdam NY FIA Card Amended No 485 $10,306 0 Services, N.A. Clayton State Alumni Alumni Morrow GA UMB Bank, N.A. Same Yes 9 $0 4 Association Association Clemson University Inc Alumni Clemson SC FIA Card Amended Yes 11,163 $370,104 120 Association Services, N.A. Coastal Carolina University Conway SC Carolina Trust Same Yes 96 $735 32 University FCU Coe College University Cedar Rapids IA FIA Card Amended No 103 $1,468 0 Services, N.A. Colegio de University San Juan PR FIA Card Amended No 276 $5,241 4 Farmaceuticos de Services, N.A. Puerto Rico College of Charleston Alumni Charleston SC FIA Card Same Yes 996 $16,851 4 Alumni Association Association Services, N.A. College of Notre Dame University Baltimore MD FIA Card Same Yes 345 $6,940 0 of Maryland Services, N.A. College of Saint Rose University Albany NY FIA Card Amended No 278 $3,243 0 Services, N.A. College of Saint University Duluth MN FIA Card Same No 312 $1,296 0 Scholastica Services, N.A. College of Staten Island Alumni Staten Island NY FIA Card Same Yes 432 $6,202 1 Alumni Association Association Services, N.A. College of West Africa Alumni Bowie MD UMB Bank, N.A. Same Yes 21 $4 1 Alumni Association USA Association Colorado College University Colorado CO FIA Card Amended No 335 $3,690 0 Springs Services, N.A. Colorado School of Alumni Golden CO FIA Card Same Yes 473 $13,902 1 Mines Alumni Association Services, N.A. Association Colorado State Alumni Fort Collins CO U.S. Bank Same Yes 1,949 $0 107 University Alumni Association National Association Association ND Cooper Union for the University New York City NY FIA Card Amended No 501 $6,089 0 Advancement of Science Services, N.A. and Art Cornell Alumni Alumni Ithaca NY Chase Bank Same Yes 7,417 $900,000 5 Federation Association USA, N.A. Crimson Tide Sports Other Tuscaloosa AL Compass Bank Amended No 0 $230,000 0 Marketing, LLC Del Mar College Alumni Corpus Christi TX Capital One, New Yes 2 $0 2 Foundation/Alumni Association N.A. Association Delaware State Alumni Dover DE FIA Card Amended No 182 $2,298 1 University Alumni Association Services, N.A. Association Delaware Technical & University Dover DE UMB Bank, N.A. New Yes 3 $0 2 Community College Educational

29 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Delta Chi Fraternity Inc Other Iowa City IA FIA Card Amended No 620 $4,652 6 Services, N.A. Delta Delta Delta Other Arlington TX U.S. Bank Same Yes 886 $13,251 62 National Association ND Delta Iota House Corp. Other Denver CO Capital One, New Yes 5 $313 0 N.A. Delta Kappa Gamma Other Austin TX FIA Card Amended No 197 $2,133 3 Society International Services, N.A. Delta Phi Epsilon Other Maryland MO FIA Card Same No 317 $1,220 3 Sorority Heights Services, N.A. Delta Sigma Delta Other Nekoosa WI FIA Card Amended No 119 $5,141 0 Services, N.A. Delta Sigma Phi Other Indianapolis IN FIA Card Same Yes 510 $15,000 0 Fraternity Services, N.A. Delta Sigma Pi Other Oxford OH U.S. Bank Same Yes 713 $0 86 National Association ND Delta State University University Cleveland MS FIA Card Same Yes 609 $13,479 2 Alumni Association Inc Services, N.A. Delta Upsilon Other Indianapolis IN FIA Card Amended No 354 $3,593 0 International Fraternity Services, N.A. Delta Zeta Sorority Other Oxford OH FIA Card Same Yes 1,507 $16,517 5 Services, N.A. DePaul University University Chicago IL FIA Card Same Yes 394 $75,000 7 Services, N.A. Dickinson College University Carlisle PA FIA Card Amended No 434 $10,445 0 Services, N.A. Dominican University University River Forest IL FIA Card Same No 215 $2,530 0 Services, N.A. Drexel University University Philadelphia PA U.S. Bank Terminate No 1,543 $0 105 National d 10/12 Association ND Duke University Alumni Alumni Durham NC Capital One, Same Yes 555 $294,537 196 Association Association N.A. Duquesne University Alumni Pittsburgh PA U.S. Bank Same Yes 1,143 $0 47 Alumni Association Association National Association ND East Carolina University Alumni Greenville NC FIA Card Same Yes 2,439 $100,000 147 Alumni Association Inc Association Services, N.A. East Stroudsburg Foundation East PA Capital One, Same Yes 12 $436 4 University Foundation, Stroudsburg N.A. Inc. East Stroudsburg University East PA Pennsylvania Same Yes 391 $45 9 University of Stroudsburg State Employees Pennsylvania Credit Union Eastern Illinois Alumni Charleston IL FIA Card Amended No 3,099 $0 0 University Alumni Association Services, N.A. Association Inc Eastern New Mexico Alumni Portales NM FIA Card Same No 550 $1,876 0 University Alumni Association Services, N.A. Association Inc Eastern Washington Alumni Cheney WA FIA Card Same Yes 759 $12,172 0 University Alumni Association Services, N.A. Association ECSU Foundation Foundation Elizabeth City NC UMB Bank, N.A. New Yes 19 $0 3 Edinboro University of Alumni Edinboro PA FIA Card Same Yes 1,113 $9,099 1 Pennsylvania Alumni Association Services, N.A. Association

30 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Elizabethtown College University Elizabethtown PA FIA Card Same Yes 424 $4,812 0 Services, N.A. Elizabethtown College University Elizabethtown PA Pennsylvania Same Yes 44 $30 6 State Employees Credit Union Elon College University Elon College NC FIA Card Amended No 258 $1,664 0 Services, N.A. Emory University University Atlanta GA FIA Card Same Yes 2,427 $43,557 5 Services, N.A. Emporia State University Alumni Emporia KS INTRUST Bank, Same Yes 906 $17,210 37 Alumni Association Association N.A. Erskine College Alumni Alumni Due West SC Capital One, Same Yes 7 $373 1 Association Association N.A. Fairfield University University Fairfield CT FIA Card Same No 816 $6,526 0 Services, N.A. Ferris State University University Big Rapids MI FIA Card Same Yes 124 $1,184 2 Services, N.A. FFA Alumni Association Alumni Alexandria VA FIA Card Same Yes 361 $6,163 0 Association Services, N.A. Florida Atlantic Foundation Boca Raton FL FIA Card Same Yes 2,887 $120,000 4 University Foundation Services, N.A. Inc Florida Brass Drum & Other Pompano FL UMB Bank, N.A. New yes 17 $0 5 Bugle Beach Florida Institute of Alumni Melbourne FL U.S. Bank Same Yes 348 $0 34 Technology Alumni Association National Association Association ND Florida International Foundation Miami FL FIA Card Same Yes 6,185 $315,000 85 University Alumni Services, N.A. Association Fordham University University Bronx NY FIA Card Same Yes 6,475 $286,050 10 Services, N.A. Fort Hays State Alumni Hays KS INTRUST Bank, Amended Yes 755 $15,000 68 University Alumni Association N.A. Association Foundation at New Foundation Newark NJ FIA Card Same Yes 56 $530 1 Jersey Institute of Services, N.A. Technology Foundation Chapter of Foundation Indianapolis IN FIA Card Same Yes 465 $7,729 0 Theta Chi Fraternity Inc Services, N.A. Franklin Marshall Alumni Alumni Lancaster PA FIA Card Same Yes 386 $464 0 Association Association Services, N.A. Franklin Pierce College University Rindge NH FIA Card Same No 220 $2,186 0 Services, N.A. Gamma Phi Beta Other Englewood CO FIA Card Same Yes 859 $40,000 16 International Sorority Inc Services, N.A. General Alumni Assoc of Alumni Chapel Hill NC FIA Card Same Yes 16,450 $1,250,000 421 Univ of N Carolina at Association Services, N.A. Chapel Hill Geneva College University Beaver Falls PA FIA Card Same No 578 $4,801 0 Services, N.A. Georgetown University Alumni Washington DC FIA Card Same Yes 7,993 $800,000 264 Alumni Association Association Services, N.A. Georgia Southern Foundation Statesboro GA FIA Card Same Yes 2,570 $100,000 76 University Foundation Services, N.A. Inc Georgia Southwestern Foundation Americus GA FIA Card Same Yes 71 $481 0 Foundation Inc Services, N.A.

31 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Georgia State University Alumni Atlanta GA FIA Card Same Yes 2,415 $75,000 216 Alumni Association Inc Association Services, N.A. Georgia Tech Alumni Alumni Atlanta GA Capital One, Same Yes 947 $381,625 313 Association Association N.A. Gettysburg College University Gettysburg PA FIA Card Same Yes 304 $4,894 0 Services, N.A. GIA Alumni Association Alumni Santa Monica CA FIA Card Same Yes 1,119 $9,389 1 Association Services, N.A. Golden Key International Other Atlanta GA FIA Card Same Yes 30,560 $898,924 561 Honour Society Services, N.A. Goldey Beacom College University Wilmington DE FIA Card Same No 196 $952 0 Services, N.A. Grand Valley State University Allendale MI FIA Card Amended Yes 826 $10,911 5 University Services, N.A. Green Mountain College University Poultney VT FIA Card Same No 103 $478 0 Services, N.A. Gustavus Adolphus University Saint Peter MN FIA Card Amended No 495 $8,505 0 College Services, N.A. Hampden Sydney University Hampden VA FIA Card Amended No 261 $3,961 0 College Sydney Services, N.A. Harding University Inc University Searcy AR FIA Card Amended No 1,176 $23,590 3 Services, N.A. Harrisburg Area University Harrisburg PA Pennsylvania Same Yes 88 $45 9 Community College State Employees Credit Union Harvard Alumni Alumni Cambridge MA Barclays Bank Amended No 8,300 $1,000,000 300 Association Association Delaware Henderson State University Arkadelphia AR FIA Card Same Yes 334 $5,598 1 University Services, N.A. Herbert H Lehman Foundation Bronx NY FIA Card Same No 233 $2,240 0 College Foundation Inc Services, N.A. Hood College University Frederick MD FIA Card Amended No 224 $2,685 0 Services, N.A. Houston Baptist University Houston TX FIA Card Amended No 240 $1,869 0 University Services, N.A. Howard Payne Alumni Brownwood TX FIA Card Same Yes 225 $2,536 0 University Alumni Association Services, N.A. Association Howard University Alumni Washington DC FIA Card Same Yes 1,070 $24,201 5 Department of Alumni Association Services, N.A. Relations Illinois State University Foundation Normal IL FIA Card Amended No 5,463 $0 149 Foundation Services, N.A. Immaculata College University Immaculata PA FIA Card Same No 152 $844 0 Services, N.A. Indiana State University University Terre Haute IN FIA Card Same Yes 2,013 $22,147 2 Services, N.A. Indiana University Alumni Bloomington IN FIA Card Amended Yes 23,370 $375,699 699 Alumni Association Association Services, N.A. Indiana University of Alumni Indiana PA Capital One, New Yes 0 $0 0 Pennsylvania Alumni Association N.A. Association Indiana University of Alumni Indiana PA FIA Card Amended No 3,044 $267 1 Pennsylvania Alumni Association Services, N.A. Association Institute of Industrial Other Norcross GA FIA Card Same Yes 1,444 $30,177 0 Engineers Services, N.A. Institute of Management Other Montvale NJ FIA Card Same Yes 3,997 $175,000 58 Accountants Services, N.A. International Other Arlington VA FIA Card Same Yes 782 $11,400 0

32 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Chiropractors Services, N.A. Association International Legal Other Washington DC FIA Card Same No 298 $10,945 0 Fraternity of Phi Delta Services, N.A. Phi International Other Tucson AZ Compass Bank Amended No 4 $0 2 Management Company (IMG) Iona College University New Rochelle NY FIA Card Same No 975 $16,910 0 Services, N.A. Iowa State University Alumni Ames IA FIA Card Amended Yes 12,621 $65,520 382 Alumni Association Association Services, N.A. Jacksonville State Alumni Jacksonville AL U.S. Bank Same Yes 2,338 $4,117 30 University Alumni Association National Association Association ND James Madison Alumni Harrisonburg VA Capital One, New Yes 0 $0 0 University Alumni Association N.A. Association Javelina Alumni Alumni Kingsville TX FIA Card Same Yes 246 $3,409 0 Association Association Services, N.A. JMUAA Alumni Alumni Harrisonburg VA FIA Card Amended No 491 $0 0 Association Association Services, N.A. Johns Hopkins University Baltimore MD FIA Card Same Yes 5,632 $193,751 60 University Services, N.A. Kansas State University Alumni Manhattan KS INTRUST Bank, Same Yes 12,348 $823,240 313 Alumni Association Association N.A. Kappa Alpha Psi Other Philadelphia PA FIA Card Amended No 591 $8,207 0 Services, N.A. Kappa Delta Pi An Other Indianapolis IN FIA Card Amended No 1,241 $15,358 1 International Honor Services, N.A. Society in Education Kappa Delta Rho Other Greensburg PA FIA Card Amended No 155 $1,760 0 Fraternity Services, N.A. Kappa Psi Other Oklahoma City OK FIA Card Same Yes 56 $669 1 Pharmaceutical Services, N.A. Fraternity Kent State University University Kent OH FIA Card Amended No 4,106 $135,000 6 Services, N.A. Keystone College Alumni La Plume PA Capital One, Same Yes 1 $0 0 Alumni Association Association N.A. Keystone College Foundation La Plume PA Capital One, Same Yes 15 $547 3 Parents N.A. Kutztown University Alumni Kutztown PA FIA Card Same No 812 $11,820 3 Alumni Association Association Services, N.A. Kutztown University Foundation Kutztown PA Pennsylvania New Yes 0 $0 0 Foundation Inc. State Employees Credit Union Kutztown University of University Kutztown PA Pennsylvania Same Yes 74 $45 9 Pennsylvania State Employees Credit Union La Sierra University, La Alumni Riverside CA FIA Card Same Yes 20 $276 0 Sierra Alumni Association Services, N.A. Association Lafayette College Alumni Easton PA FIA Card Amended No 500 $0 1 Alumni Association Association Services, N.A. Lake Sumter Community Foundation Leesburg FL Capital One, Same Yes 2 $82 1 College Foundation, Inc. N.A. Lambda Chi Alpha Other Indianapolis IN FIA Card Same Yes 609 $25,000 0

33 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Fraternity Inc Services, N.A. Lambda Phi Epsilon Other New Brunswick NJ Capital One, New Yes 9 $402 2 National Fraternity, Inc. N.A. Lambda Sigma Upsilon Other Hoboken NJ UMB Bank, N.A. New yes 88 $2 8 Latino Fraternity Lambda Theta Nu Other San Diego CA Capital One, New Yes 24 $1,727 7 Sorority, Inc. N.A. Lambda Theta Phi Other Parsippany NJ UMB Bank, N.A. New yes 112 $1 20 LaSalle University Alumni Philadelphia PA FIA Card Same Yes 1,462 $21,803 4 Alumni Association Association Services, N.A. Le Moyne College University Syracuse NY FIA Card Same No 430 $2,878 0 Services, N.A. Lenoir Rhyne College Alumni Hickory NC FIA Card Amended No 140 $803 0 Alumni Association Association Services, N.A. Letourneau University University Longview TX FIA Card Same No 217 $2,325 0 Services, N.A. Liberty University University Lynchburg VA U.S. Bank Same Yes 1,098 $9,065 69 National Association ND Lock Haven University Alumni Lock Haven PA Capital One, Same Yes 6 $92 2 Alumni Association Association N.A. Lock Haven University of University Lock Haven PA Pennsylvania Same Yes 54 $10 2 Pennsylvania State Employees Credit Union Longwood University Alumni Farmville VA FIA Card Same Yes 381 $5,325 1 Alumni Association Association Services, N.A. Louisiana State Foundation New Orleans LA FIA Card Same No 154 $1,608 0 University Medical Services, N.A. Center Foundation Louisiana Tech Foundation Ruston LA FIA Card Same No 1,695 $0 3 University Foundation Services, N.A. Loyola College in University Baltimore MD FIA Card Same Yes 1,780 $75,225 2 Maryland Services, N.A. Loyola University New University New Orleans LA FIA Card Same Yes 1,225 $22,928 0 Orleans Services, N.A. LSU Alumni Association Alumni Baton Rouge LA FIA Card Same Yes 7,182 $253,847 223 Association Services, N.A. Luther College University Decorah IA FIA Card Amended No 407 $8,220 0 Services, N.A. Manhattan College University Riverdale NY FIA Card Same Yes 943 $15,804 1 Services, N.A. Manhattanville College University Purchase NY FIA Card Same No 200 $1,887 8 Services, N.A. Mansfield University of University Mansfield PA Pennsylvania Same Yes 87 $25 5 Pennsylvania State Employees Credit Union Marshall University Alumni Huntington WV FIA Card Amended No 2,066 $0 0 Alumni Association Association Services, N.A. Martin Luther College Alumni New Ulm MN UMB Bank, N.A. Same Yes 642 $13 70 Alumni Association Association Marymount University University Arlington VA FIA Card Amended No 93 $686 0 Services, N.A. Massachusetts Medical Other Waltham MA FIA Card Same Yes 913 $47,808 0 Society Services, N.A. Mercyhurst College University Erie PA FIA Card Same No 300 $1,577 0 Services, N.A. Michigan State University East Lansing MI Michigan State Same Yes 2,319 $400,000 1,286 University University Federal Credit

34 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Union Michigan Technological University Houghton MI FIA Card Same Yes 1,929 $50,000 3 University Services, N.A. Millersville University Alumni Millersville PA Pennsylvania New Yes 214 $7,980 214 Alumni Association Association State Employees Credit Union Millersville University Alumni Millersville PA U.S. Bank Terminate No 0 $0 0 Alumni Association Association National d 1/12 Association ND Millersville University of University Millersville PA Pennsylvania Same Yes 299 $40 8 Pennsylvania State Employees Credit Union Miner Alumni Alumni Rolla MO U.S. Bank Same Yes 430 $0 44 Association (MO Association National University of S&T) Association ND Minnesota State Alumni Moorhead MN U.S. Bank Terminate No 317 $0 6 University Moorhead Association National d 6/12 Alumni Association Association ND Mississippi State Alumni Mississippi MS FIA Card Amended Yes 6,133 $350,000 194 University Alumni Association State Services, N.A. Association Missouri State University Foundation Springfield MO FIA Card Same Yes 2,533 $31,831 112 Foundation Services, N.A. MIT Alumni Association Alumni Cambridge MA MIT Credit Union New Yes 175 $20,000 50 Association Monmouth College University Monmouth IL FIA Card Amended No 224 $1,398 0 Services, N.A. Monmouth University University West Long NJ FIA Card Amended No 561 $2,813 0 Branch Services, N.A. Montana State Alumni Bozeman MT FIA Card Same Yes 3,735 $125,075 3 University Alumni Association Services, N.A. Association Montclair State Alumni Upper Montclair NJ FIA Card Amended No 2,745 $0 0 University Alumni Association Services, N.A. Association Morehouse School of Alumni Atlanta GA Capital One, Same Yes 1 $64 0 Medicine National Association N.A. Alumni Association Morgan State University Alumni Baltimore MD FIA Card Same No 317 $2,383 0 National Alumni Association Services, N.A. Association Morrisville College Alumni Morrisville NY FIA Card Amended No 227 $1,311 0 Foundation Association Services, N.A. Mount Saint Marys University Los Angeles CA FIA Card Same Yes 283 $1,780 0 College Services, N.A. Mount Saint Marys University Emmitsburg MD FIA Card Same Yes 519 $12,093 1 College Maryland Services, N.A. Mountain State Alumni Beckley WV UMB Bank, N.A. Same Yes 40 $0 8 University Alumni Association Association Murray State University Alumni Murray KY U.S. Bank Terminate No 680 $0 20 Alumni Association Association National d 12/12 Association ND NACE International Other Houston TX FIA Card Amended No 323 $3,281 0 Services, N.A. National Alumnae Alumni Atlanta GA FIA Card Same No 325 $3,965 0 Association of Spelman Association Services, N.A. College Inc

35 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 National Alumni Alumni Tuscaloosa AL FIA Card Same Yes 12,329 $961,750 248 Association of the Association Services, N.A. University of Alabama National Association of Other Bethesda MD FIA Card Same No 999 $6,700 0 School Psychologists Services, N.A. National Athletic Other Dallas TX FIA Card Same No 1,102 $8,087 0 Trainers Association Services, N.A. National Lawyers Guild Other New York NY FIA Card Amended No 405 $5,244 0 Services, N.A. National Louis University University Evanston IL FIA Card Same Yes 619 $6,715 0 Services, N.A. National Science Other Arlington VA FIA Card Amended No 1,080 $0 0 Teachers Association Services, N.A. National Society of Black Other Alexandria VA FIA Card Same No 407 $3,179 0 Engineers Services, N.A. National Society of Other Washington DC FIA Card Amended No 3,839 $52,714 5 Collegiate Scholars Services, N.A. National Student Speech Other Rockville MD FIA Card Same No 0 $0 0 Language Hearing Services, N.A. Association National University University La Jolla CA FIA Card Amended No 825 $12,434 0 Services, N.A. NCPA Foundation Foundation Alexandria VA FIA Card Same Yes 535 $15,828 0 Services, N.A. New England Institute of Alumni Warwick RI Capital One, Same Yes 0 $0 0 Technology Association N.A. New Mexico Highlands Alumni Las Vegas NM FIA Card Same Yes 172 $1,646 0 University Alumni Association Services, N.A. Association New Mexico Military Alumni Roswell NM FIA Card Amended No 235 $2,484 2 Institute Association Services, N.A. New Mexico State Alumni Las Cruces NM FIA Card Same Yes 2,440 $37,512 4 University Alumni Association Services, N.A. Association New York Film Academy University New York NY UMB Bank, N.A. New yes 24 $0 10 New York University Alumni New York NY FIA Card Amended Yes 9,067 $300,000 286 Alumni Association Association Services, N.A. New York Women in Foundation New York NY UMB Bank, N.A. New yes 27 $0 5 Communications Foundation Niagara University University Niagara NY FIA Card Same Yes 444 $6,260 0 Services, N.A. North Carolina Central Alumni Durham NC FIA Card Same No 197 $932 0 University Alumni Association Services, N.A. Association North Carolina State Alumni Raleigh NC Chase Bank Same Yes 6,235 $0 0 University Alumni Association USA, N.A. Association North Dakota State Alumni Fargo ND FIA Card Same Yes 316 $38,000 4 University Alumni Association Services, N.A. Association North Texas Exes Alumni Denton TX FIA Card Amended No 5,090 $0 1 Association Services, N.A. Northeast Louisiana Alumni Monroe LA FIA Card Amended No 841 $0 0 University Alumni Association Services, N.A. Association Northeast Triskelion, Inc Other New York NY Capital One, New Yes 12 $347 3 N.A. Northeastern Illinois University Chicago IL FIA Card Amended No 80 $0 0 University Foundation Services, N.A.

36 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Northeastern State Foundation Tahlequah OK FIA Card Same Yes 439 $6,642 0 University Foundation Services, N.A. Inc Northeastern University University Boston MA FIA Card Same Yes 3,231 $65,000 407 Services, N.A. Northern Arizona Alumni Flagstaff AZ Capital One, Same Yes 411 $13,153 247 University Alumni Association N.A. Association Northern Illinois Alumni DeKalb IL FIA Card Same Yes 973 $204,074 8 University Alumni Association Services, N.A. Association Northern Kentucky Foundation Highland KY U.S. Bank Same Yes 328 $0 20 University Foundation Heights National Association ND Northwest College Foundation Powell WY UMB Bank, N.A. New yes 324 $1 15 Foundation Northwest Missouri Alumni Maryville MO U.S. Bank Same Yes 344 $0 21 State University Alumni Association National Association Association ND Northwestern State Alumni Natchitoches LA FIA Card Same Yes 403 $8,296 0 University Alumni Association Services, N.A. Association Northwestern University University Evanston IL GE Capital Active Yes 325 $428,572 70 Retail Bank Norwich University Alumni Northfield VT USAA Savings New Yes 147 $1,251 156 Alumni Association Association Bank Oakland University University Oakland MI Michigan State Same Yes 382 $35,000 75 University Federal Credit Union Ohio Northern University Alumni Ada OH U.S. Bank Same Yes 343 $0 20 Alumni Association Association National Association ND Oklahoma State Alumni Stillwater OK Chase Bank Same Yes 5,074 $600,000 0 University Alumni Association USA, N.A. Association Old Dominion University Alumni Norfolk VA Capital One, Same Yes 327 $13,217 71 Alumni Association Association N.A. Ole Miss Alumni Alumni Oxford MS Capital One, Same Yes 430 $50,000 367 Association Association N.A. Omicron Delta Kappa Other Lexington VA FIA Card Amended Yes 1,224 $19,319 0 Services, N.A. Oregon State University Alumni Corvallis OR Oregon New Yes 204 $300,000 204 Alumni Association Association Community Credit Union and OCCU Card Services, LLC Oregon State University Alumni Corvallis OR Chase Bank Same Yes 2,663 $0 0 Alumni Association, Inc. Association USA, N.A. Oswego Alumni Alumni Oswego NY FIA Card Same Yes 1,274 $14,659 0 Association Association Services, N.A. Otterbein College University Westerville OH FIA Card Same Yes 457 $8,602 0 Services, N.A. Pace University University New York NY FIA Card Amended No 1,371 $19,666 1 Services, N.A. Park University University Kansas City MO UMB Bank, N.A. New Yes 0 $2 2 Penn State Alumni Alumni University Park PA FIA Card Amended Yes 60,490 $2,742,743 1,394 Association Association Services, N.A.

37 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Pennsylvania Other Harrisburg PA FIA Card Amended No 196 $2,365 0 Pharmacists Association Services, N.A. Pepperdine University Alumni Malibu CA U.S. Bank Same Yes 684 $0 90 Alumni Association Association National Association ND Phi Alpha Delta Law Other Baltimore MD FIA Card Amended No 1,101 $0 1 Fraternity International Services, N.A. Phi Delta Kappa Other Bloomington IN FIA Card Same Yes 768 $7,238 0 International Services, N.A. Phi Delta Theta Other Oxford OH FIA Card Same Yes 733 $45,000 14 Fraternity Services, N.A. Phi Eta Sigma Other Bowling Green KY FIA Card Amended No 1,009 $31,171 0 Services, N.A. Phi Kappa Phi Other Baton Rouge LA FIA Card Same Yes 6,168 $74,747 28 Services, N.A. Phi Kappa Psi Other Indianapolis IN FIA Card Amended No 372 $5,562 0 Services, N.A. Phi Kappa Sigma Intl. Other Chester PA UMB Bank, N.A. New yes 266 $1 10 Fraternity Springs Phi Kappa Tau Other Oxford OH FIA Card Same Yes 383 $17,500 2 Fraternity Services, N.A. Phi Lota Alpha Other Brooklyn NY UMB Bank, N.A. New yes 215 $4 23 Fraternity, Inc. Phi Mu Alpha Sinfonia Other Evansville IN FIA Card Amended No 375 $4,678 1 Fraternity of America Inc Services, N.A. Phi Mu Fraternity Other Tucker GA FIA Card Amended No 1,518 $0 23 Services, N.A. Phi Rho Eta Fraternity, Other Chicago IL UMB Bank, N.A. New yes 27 $0 1 Inc. Phi Sigma Sigma Foundation Elkridge MD FIA Card Same Yes 497 $5,013 0 Foundation Services, N.A. Phi Theta Kappa Other Jackson MS FIA Card Same Yes 13,330 $156,244 90 International Honor Services, N.A. Society Pi Beta Phi Fraternity Inc Other Town & MO FIA Card Amended No 1,232 $100,000 3 Country Services, N.A. Pi Kappa Alpha Other Memphis TN FIA Card Same No 968 $0 10 Corporation Services, N.A. Pi Lambda Phi Other Danbury CT FIA Card Same Yes 123 $2,009 0 Services, N.A. Pi Sigma Epsilon Inc Other Hartland WI FIA Card Same Yes 160 $2,260 2 Services, N.A. Polytechnic Institute Alumni Brooklyn NY UMB Bank, N.A. Same Yes 295 $4 25 Alumni Association Association Prairie View A&M Alumni Prairie View TX Capital One, Same Yes 11 $1,027 4 University - National Association N.A. Alumni Association Princeton University Alumni Princeton NJ Capital One, New Yes 0 $0 0 Alumni Association Association N.A. Project Management Other Newton Square PA UMB Bank, N.A. New yes 306 $0 52 Institute Providence College Alumni Providence RI FIA Card Amended No 1,749 $80,000 0 Alumni Association Association Services, N.A. Purdue Alumni Alumni West Lafayette IN Purdue Federal Same Yes 22,567 $1,000,000 3,126 Association Association Credit Union Rensselaer Polytechnic Alumni Troy NY U.S. Bank Same Yes 792 $8,133 78 Institute Alumni Association National Association Association ND Rhode Island College Alumni Providence RI U.S. Bank Same Yes 667 $0 32 Alumni Association Association National

38 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Association ND Rhode Island School of University Providence RI FIA Card Same No 843 $7,474 0 Design Services, N.A. Rider University University Lawrenceville NJ FIA Card Amended No 553 $3,474 0 Services, N.A. Robert Morris College Alumni Coraopolis PA FIA Card Same Yes 377 $5,855 0 Alumni Association Association Services, N.A. Rockhurst University University Kansas City MO FIA Card Same Yes 401 $3,059 1 Services, N.A. Rollins College Alumni Alumni Winter Park FL FIA Card Same Yes 546 $11,865 0 Association Association Services, N.A. Rose Hulman Institute of University Terre Haute IN FIA Card Same Yes 186 $1,764 0 Technology Services, N.A. Rowan University Alumni Glassboro NJ FIA Card Same Yes 1,388 $15,364 1 Alumni Association and Association Services, N.A. Rowan University and Foundation Foundation Russell Sage College Alumni Troy NY FIA Card Same No 309 $2,068 0 Alumnae Association Association Services, N.A. Rutgers University University New Brunswick NJ U.S. Bank Same Yes 5,156 $0 363 Alumni Federation and and Alumni National Rutgers, the State Association Association ND University of New Jersey Saint Cloud State Alumni Saint Cloud MN FIA Card Same Yes 1,608 $3,092 1 University Alumni Association Services, N.A. Association Saint Josephs College University Rensselaer IN FIA Card Amended No 290 $2,011 0 Services, N.A. Saint Josephs College Alumni Brooklyn NY Capital One, New Yes 17 $710 18 Alumni Association Association N.A. Saint Louis University University St. Louis MO FIA Card Same Yes 2,847 $53,879 1 Services, N.A. Saint Marys College of Alumni Moranga CA Capital One, Same Yes 14 $393 5 California Association N.A. Saint Peter's College Alumni Jersey City NJ U.S. Bank Same Yes 301 $0 27 Alumni Association Association National Association ND Salisbury University Foundation Salisbury MD FIA Card Same Yes 730 $12,502 1 Foundation Inc Services, N.A. Seminole Boosters Inc Other Tallahassee FL FIA Card Amended Yes 6,947 $110,909 49 Services, N.A. Shippensburg University Foundation Shippensburg PA FIA Card Same Yes 1,404 $11,288 0 Foundation Inc Services, N.A. Shippensburg University Other Shippensburg PA Pennsylvania Same Yes 47 $35 7 Student Services, Inc. State Employees Credit Union Siena College University Loudonville NY FIA Card Amended No 487 $1,000 2 Services, N.A. Sigma Alpha Epsilon Other Evanston IL FIA Card Same Yes 1,198 $50,000 4 Fraternity Services, N.A. Sigma Alpha Iota Other Asheville NC FIA Card Same Yes 612 $8,832 4 International Music Services, N.A. Fraternity Sigma Beta Delta Other St. Louis MO FIA Card Same Yes 312 $3,554 1 Services, N.A. Sigma Chi Other Evanston IL U.S. Bank Same Yes 1,085 $17,385 102 National Association ND

39 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Sigma Kappa Sorority Other Indianapolis IN FIA Card Amended No 865 $0 14 Services, N.A. Sigma Nu Fraternity Inc Other Lexington VA FIA Card Amended No 192 $1,103 0 Services, N.A. Sigma Phi Delta Other Rockford IL Capital One, New Yes 12 $1,293 2 Fraternity N.A. Sigma Pi Fraternity Other Vincennes IN FIA Card Same Yes 694 $25,000 2 International Inc Services, N.A. Sigma Sigma Sigma Other Woodstock VA FIA Card Amended No 636 $0 1 Services, N.A. Sigma Tau Gamma Other Warrensburg MO FIA Card Amended No 282 $3,271 3 Fraternity Inc Services, N.A. Sigma Theta Tau Other Indianapolis IN FIA Card Amended Yes 4,317 $81,987 357 International Honor Services, N.A. Society of Nursing Inc Sigma Xi The Scientific Other RTP NC FIA Card Same Yes 744 $17,794 5 Research Society Services, N.A. SIUE Alumni Association Alumni Edwardsville IL FIA Card Same Yes 848 $18,483 1 Association Services, N.A. Slippery Rock State Foundation Slippery Rock PA U.S. Bank Same Yes 664 $0 30 University Foundation, National Inc. Association ND Society of Nuclear Other New York NY FIA Card Same Yes 649 $7,930 0 Medicine Services, N.A. Society of Women Other New York NY FIA Card Same Yes 888 $8,245 0 Engineers Services, N.A. South Dakota School of Foundation Rapid City SD FIA Card Amended No 218 $1,817 0 Mines and Technology Services, N.A. Foundation South Dakota State Alumni Brookings SD U.S. Bank Same Yes 597 $0 30 University Alumni Association National Association Association ND Southeast Missouri University Cape MO FIA Card Same Yes 1,154 $15,329 1 State University Girardeau Services, N.A. Southeastern Louisiana Alumni Hammond LA U.S. Bank Terminate No 432 $0 5 Alumni Association Association National d 3/12 Association ND Southern Illinois Alumni Carbondale IL Capital One, New Yes 55 $0 55 University Alumni Association N.A. Association Southwest Texas State Alumni San Marcos TX FIA Card Same Yes 2,129 $26,313 1 University Alumni Association Services, N.A. Association St Ambrose University University Davenport IA FIA Card Same Yes 179 $1,297 0 Services, N.A. St Johns University University Collegeville MN FIA Card Amended No 583 $11,254 0 Services, N.A. St Johns University New University Queens NY FIA Card Same Yes 7,766 $105,719 15 York Services, N.A. St Lawrence University University Canton NY FIA Card Amended No 562 $9,761 1 Services, N.A. St Norbert College University De Pere WI FIA Card Amended No 374 $3,252 0 Services, N.A. St. Louis College of Alumni St. Louis MO UMB Bank, N.A. Same Yes 98 $0 3 Pharmacy Alumni Association Association Stanford Alumni Alumni Stanford CA FIA Card Same Yes 14,306 $750,000 305 Association Association Services, N.A. State University of Iowa Alumni Iowa City IA FIA Card Amended Yes 13,826 $1,027,027 501 Alumni Association Association Services, N.A.

40 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 State University of New Alumni Brockport NY FIA Card Amended No 594 $0 0 York Brockport Alumni Association Services, N.A. Association Stephen F Austin Alumni Alumni Nacagdoches TX FIA Card Same Yes 159 $45,150 4 Association Association Services, N.A. Stephens College University Columbia MO FIA Card Same No 344 $3,850 0 Services, N.A. Stetson University University Deland FL FIA Card Same Yes 773 $14,212 0 Services, N.A. Stonehill College Inc Alumni Easton MA FIA Card Same Yes 341 $8,499 0 Association Services, N.A. SUNY Cortland Alumni Alumni Cortland NY U.S. Bank Same Yes 641 $0 27 Association Association National Association ND SUNY College at Alumni Oneonta NY U.S. Bank Same Yes 570 $0 39 Oneonta Alumni Association National Association, Inc. Association ND SUNY Fredonia Alumni Alumni Fredonia NY FIA Card Amended No 629 $6,571 0 Association Association Services, N.A. SUNYIT Alumni Alumni Utica NY Capital One, New Yes 1 $130 1 Association Association N.A. Syracuse Football Club Alumni Syracuse NY Capital One, Same Yes 0 $0 0 Association N.A. Syracuse University University Syracuse NY FIA Card Same No 6,617 $122,506 269 Services, N.A. Talmudic University University Miami FL Capital One, Same Yes 2 $0 0 N.A. Tau Kappa Epsilon Other Indianapolis IN FIA Card Same Yes 300 $65,000 13 Fraternity Services, N.A. Temple University of the University Philadelphia PA FIA Card Same Yes 1,877 $202,065 294 Commonwealth System Services, N.A. of Higher Education Tennessee State Alumni Nashville TN FIA Card Same Yes 325 $11,217 1 University Alumni Association Services, N.A. Association Tennessee Alumni Cookeville TN FIA Card Amended Yes 1,480 $100,000 3 Technological University Association Services, N.A. Alumni Association Texas AandM University Alumni Commerce TX FIA Card Same Yes 526 $0 4 Commerce Alumni Association Services, N.A. Association Texas Aggie Corps of Alumni College Station TX USAA Savings Same Yes 637 $20,567 170 Cadets Association Association Bank Texas Christian University Fort Worth TX FIA Card Same Yes 3,304 $0 0 University Services, N.A. Texas Tech Alumni Alumni Lubbock TX Chase Bank Same Yes 5,353 $470,000 4 Association Association USA, N.A. Texas Womens Alumni Denton TX FIA Card Amended No 1,057 $9,991 0 University Former Association Services, N.A. Students Association The Alumnae Alumni South Hadley MA FIA Card Amended No 343 $5,253 3 Association of Mount Association Services, N.A. Holyoke College The Alumni Association Alumni Potsdam NY U.S. Bank Same Yes 377 $0 25 of the State University Association National College at Potsdam Association ND The Associated Alumni St. Louis MO Capital One, New Yes 15 $1,582 4 Alumnae and Alumni of Association N.A. the Sacred Heart

41 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 The Association of Alumni Carbondale IL Chase Bank Same Yes 2,863 $0 0 Alumni, Former Association USA, N.A. Students, and Friends of SIU The Board of Trustees of University Marquette MI FIA Card Same Yes 839 $30,105 4 Northern Michigan Services, N.A. University The Catholic University University Washington DC FIA Card Same Yes 1,104 $22,131 1 of America Services, N.A. The Citadel Alumni Alumni Charleston SC U.S. Bank Same Yes 394 $0 39 Association Association National Association ND The College of New Alumni Ewing NJ U.S. Bank Amended Yes 694 $527 53 Jersey Alumni Association National Association Association ND The College of the Holy Alumni Worcester MA FIA Card Same Yes 1,865 $110,660 8 Cross General Alumni Association Services, N.A. Association The Colleges of the University Geneva NY FIA Card Same No 43 $0 0 Seneca Inc Services, N.A. The Ex Students Alumni Austin TX FIA Card Amended Yes 27,635 $679,507 712 Association of The Association Services, N.A. University of Texas The Foundation of the Foundation Charlotte NC FIA Card Amended Yes 2,354 $4,400 9 University of North Services, N.A. Carolina at Charlotte The Fraternity of Phi Other Lexington KY FIA Card Same Yes 257 $15,000 0 Gamma Delta Inc Services, N.A. The George Washington Alumni Washington DC FIA Card Same Yes 2,912 $53,590 92 Alumni Association Association Services, N.A. The Kansas University Alumni Lawrence KS INTRUST Bank, Same Yes 11,794 $859,772 335 Alumni Association Association N.A. The King's College University New York NY Capital One, Same No 0 $0 0 N.A. The Medical College of Alumni Richmond VA FIA Card Same Yes 271 $0 0 Virginia Alumni Association Services, N.A. Association The Ohio State Alumni Columbus OH FIA Card Amended No 13,750 $142,784 18 University Alumni Association Services, N.A. Association Inc The Principia University St Louis MO UMB Bank, N.A. Same Yes 5,749 $25 244 The State University of Foundation Carrollton GA FIA Card Same Yes 478 $6,499 1 West Georgia Services, N.A. Foundation Inc The Trustees of University New York NY FIA Card Amended Yes 8,003 $242,591 244 Columbia University Services, N.A. The Trustees of University Hanover NH FIA Card Same No 2,462 $50,195 1 Dartmouth College Services, N.A. The United States Naval Alumni Annapolis MD Chase Bank Same Yes 7,633 $516,960 76 Academy Alumni Association USA, N.A. Association, Inc. The University of Foundation Athens GA FIA Card Amended Yes 18,208 $1,157,737 659 Georgia Foundation Services, N.A. The William and Mary Alumni Williamsburg VA FIA Card Same Yes 4,619 $340,000 64 Alumni Association Association Services, N.A. Theta Tau Other Austin TX FIA Card Same Yes 195 $4,193 0 Services, N.A. Thomas M Cooley Law University Lansing MI FIA Card Amended No 90 $1,748 1 School Services, N.A.

42 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Thunderbird The University Glendale AZ FIA Card Same Yes 283 $2,959 0 American Graduate Services, N.A. School of International Management Towson University Foundation Towson MD FIA Card Same Yes 2,370 $90,000 5 Foundation Inc Services, N.A. Trustees of the University Philadelphia PA FIA Card Amended Yes 9,837 $525,000 213 University of Services, N.A. Pennsylvania U.S. Coast Guard Alumni New London CT USAA Savings New Yes 222 $10,000 240 Academy Alumni Association Bank Association UB Alumni Association Alumni Buffalo NY FIA Card Same Yes 1,766 $40,242 177 Inc Association Services, N.A. UC Santa Barbara Alumni Santa Barbara CA Capital One, Same Yes 418 $35,000 164 Alumni Association Association N.A. UCLA Alumni Alumni Los Angeles CA FIA Card Same Yes 24,201 $579,552 1,521 Association Association Services, N.A. UCSD Alumni Alumni La Jolla CA FIA Card Same No 295 $100,225 8 Association Association Services, N.A. UMKC Alumni Alumni Kansas City MO UMB Bank, N.A. Same Yes 252 $1 7 Association Association UMKC Bloch School of University Kansas City MO UMB Bank, N.A. Same Yes 85 $1 2 Business UMKC College of Arts University Kansas City MO UMB Bank, N.A. Same Yes 0 $0 0 and Sciences UMKC Conservatory of University Kansas City MO UMB Bank, N.A. Same Yes 0 $0 0 Music and Dance UMKC School of University Kansas City MO UMB Bank, N.A. Same Yes 1 $0 1 Biological Sciences UMKC School of University Kansas City MO UMB Bank, N.A. Same Yes 0 $1 1 Computing and Engineering UMKC School of University Kansas City MO UMB Bank, N.A. Same Yes 0 $0 0 Dentistry UMKC School of University Kansas City MO UMB Bank, N.A. Same Yes 0 $0 0 Education UMKC School of University Kansas City MO UMB Bank, N.A. Same Yes 0 $0 0 Graduate Studies UMKC School of Law University Kansas City MO UMB Bank, N.A. Same Yes 0 $0 0 UMKC School of University Kansas City MO UMB Bank, N.A. Same Yes 2 $2 2 Medicine UMKC School of University Kansas City MO UMB Bank, N.A. Same Yes 0 $0 0 Nursing UMKC School of University Kansas City MO UMB Bank, N.A. Same Yes 0 $0 0 Pharmacy Union College NY University Schenectady NY FIA Card Same No 270 $1,900 0 Services, N.A. Universidad University San Juan PR FIA Card Amended No 3,859 $49,674 3 Interamericana de Services, N.A. Puerto Rico University Louisiana Alumni Lafayette LA U.S. Bank Same Yes 1,387 $0 56 Lafayette Alumni Association National Association Association ND University of Alabama at Alumni Birmingham AL U.S. Bank Same Yes 658 $0 59 Birmingham National Association National Alumni Society Association ND

43 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 University of Alabama Alumni Huntsville Al U.S. Bank Same Yes 132 $0 12 Huntsville Alumni Association National Association Association ND University of Arizona Alumni Tucson AZ FIA Card Amended Yes 10,955 $70,428 286 Alumni Association Association Services, N.A. University of Baltimore Alumni Baltimore MD FIA Card Same Yes 412 $9,059 0 Alumni Association Association Services, N.A. University of California Alumni Irvine CA FIA Card Same Yes 4,221 $64,924 21 Irvine Alumni Association Services, N.A. Association University of California Alumni San Francisco CA FIA Card Same No 420 $3,203 0 San Francisco Association Services, N.A. University of California Alumni Santa Cruz CA FIA Card Same Yes 2,922 $48,579 10 Santa Cruz Alumni Association Services, N.A. Association University of Central Alumni Conway AR FIA Card Amended No 676 $9,900 1 Arkansas Alumni Association Services, N.A. Association University of Central Alumni Orlando FL FIA Card Same Yes 8,998 $300,000 446 Florida Alumni Association Services, N.A. Association University of Central Alumni Edmond OK FIA Card Same Yes 813 $15,015 0 Oklahoma Alumni Association Services, N.A. Association University of Chicago University Chicago IL Chase Bank Same Yes 2,267 $300,000 9 USA, N.A. University of Cincinnati University Cincinnati OH FIA Card Amended Yes 348 $300,225 5 Services, N.A. University of Colorado at University Boulder CO Elevations Credit Active Yes 2,336 $0 0 Boulder Union University of Colorado at Alumni Colorado CO U.S. Bank Same Yes 199 $0 15 Colorado Springs Alumni Association Springs National Association Association ND University of Colorado Foundation Boulder CO FIA Card Same Yes 7,753 $450,000 151 Foundation Services, N.A. University of Connecticut Alumni Storrs CT FIA Card Amended No 7,003 $0 70 Alumni Association Inc Association Services, N.A. University of Dayton University Dayton OH FIA Card Same Yes 1,228 $110,000 0 Services, N.A. University of Delaware Alumni Newark DE FIA Card Amended Yes 8,395 $183,609 206 Alumni Association Association Services, N.A. University of Denver and University Denver CO FIA Card Same Yes 849 $60,000 5 the Denver Alumni and Alumni Services, N.A. Association Association University of Evansville University Evansville IN FIA Card Amended No 534 $7,197 0 Services, N.A. University of Florida Alumni Gainesville FL Chase Bank Same Yes 9,103 $0 49 Alumni Assicuatuibm Association, USA, N.A. Inc., University of Florida Foundation & Foundation, Inc. and Other The University Athletic Association, Inc. University of Hartford Alumni West Hartford MA U.S. Bank Same Yes 637 $0 59 Alumni Association Association National Association ND University of Hawaii at University Honolulu HI FIA Card Same Yes 4,177 $0 2 Manoa Services, N.A. University of Houston Alumni Houston TX FIA Card Amended Yes 662 $46,681 428 Alumni Association Association Services, N.A. University of Illinois Alumni Urbana IL University of Same Yes 7,526 $487,500 3,306

44 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Alumni Association Association Illinois Employees Credit Union University of Kentucky Alumni Lexington KY Chase Bank Same Yes 5,435 $0 7 Alumni Association Association USA, N.A. University of Mary Alumni Fredricksburg VA FIA Card Same Yes 609 $9,859 1 Washington Alumni Association Services, N.A. Association and and University of Mary Foundation Washington Foundation University of Maryland Alumni College Park MD Chase Bank Same Yes 4,563 $500,000 0 Alumni Association, Inc. Association USA, N.A. and M Club Foundation, and University of Maryland, Foundation Inc. University of Alumni Amherst MA Capital One, New Yes 251 $225,000 257 Massachusetts Amherst Association N.A. Alumni Association University of University Lowell MA U.S. Bank Same Yes 729 $0 44 Massachusetts Lowell National Association ND University of Memphis University Memphis TN FIA Card Same Yes 149 $100,000 2 Services, N.A. University of Miami University Coral Gables FL FIA Card Same Yes 5,466 $118,240 819 Services, N.A. University of Minnesota Alumni Minneapolis MN FIA Card Same Yes 719 $476,725 40 Alumni Association Association Services, N.A. University of Missouri Alumni Columbia MO FIA Card Same Yes 9,793 $338,550 451 Alumni Association Association Services, N.A. University of Missouri St Alumni St. Louis MO FIA Card Same No 990 $5,439 0 Louis Alumni Association Services, N.A. Association University of Montana Alumni Missoula MT Capital One, New Yes 39 $25,000 39 Alumni Association Association N.A. University of Nebraska Alumni Omaha NE Capital One, Same Yes 147 $0 43 Omaha Alumni Association N.A. Association University of Nevada Foundation Reno NV FIA Card Same Yes 1,439 $70,000 1 Reno Foundation Services, N.A. University of New Alumni Durham NH FIA Card Amended Yes 4,233 $0 65 Hampshire Alumni Association Services, N.A. Association University of New Alumni Albuquerque NM FIA Card Same Yes 2,239 $24,312 89 Mexico Alumni Association Services, N.A. Association University of New Alumni New Orleans LA Capital One, Same Yes 141 $1,825 60 Orleans International Association N.A. Alumni Association University of North Alumni Florence AL U.S. Bank Same Yes 311 $0 29 Alabama Alumni Association National Association Association ND University of North Alumni Greensboro NC FIA Card Same Yes 2,113 $30,443 0 Carolina Greensboro Association Services, N.A. Alumni Association University of North Alumni Grand Forks ND U.S. Bank Same Yes 1,791 $36,402 247 Dakota Alumni Association National Association Association ND University of North Alumni Jacksonville FL U.S. Bank Terminate No 490 $0 10 Florida Alumni Association National d 4/12

45 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Association Association ND University of Northern Alumni Cedar Falls IA FIA Card Same Yes 3,590 $135,150 3 Iowa Alumni Association Association Services, N.A. University of Notre University Notre Dame IN FIA Card Same Yes 2,955 $195,496 927 Dame Services, N.A. University of Oregon Alumni Eugene OR Chase Bank Same Yes 2,389 $0 0 Alumni Association, Inc. Association USA, N.A. University of Pittsburgh University Pittsburgh PA FIA Card Same Yes 5,286 $15,813 4 of the Commonwealth Services, N.A. System of Higher Education University of Puerto Rico University San Juan PR Banco Popular Same Yes 16,500 $74,706 597 de Puerto Rico University of Redlands University Redlands CA FIA Card Amended No 335 $6,151 0 Services, N.A. University of Rhode Alumni Kingston RI Capital One, New Yes 0 $0 0 Island Alumni Association N.A. Association University of Scranton University Scranton PA FIA Card Same Yes 2,130 $95,000 8 Services, N.A. University of South Alumni Mobile AL Capital One, New Yes 10 $393 11 Alabama National Association N.A. Alumni Association University of South Alumni Tampa FL FIA Card Amended No 2,851 $10,552 54 Florida Alumni Association Services, N.A. Association Inc University of Southern University Los Angeles CA FIA Card Same Yes 18,768 $1,505,550 1,608 California Services, N.A. University of Southern Alumni Los Angeles CA USC Credit Same Yes 256 $39,000 99 California Association Union University of Southern Alumni Evansville IN FIA Card Amended No 391 $6,058 2 Indiana Alumni Association Services, N.A. Association University of Southern University Portland ME FIA Card Amended No 165 $1,282 0 Maine Services, N.A. University of Southern Alumni Hattiesburg MS FIA Card Same Yes 2,044 $85,000 135 Mississippi Alumni Association Services, N.A. Association Inc University of St Thomas University Houston TX FIA Card Amended No 332 $2,366 0 Services, N.A. University of Tampa Alumni Tampa FL FIA Card Amended No 424 $6,168 1 National Alumni Association Services, N.A. Association University of Tennessee University Knoxville TN Chase Bank Amended Yes 5,184 $1,428,571 2 USA, N.A. University of Texas at Alumni Arlington TX FIA Card Amended No 3,207 $300,000 4 Arlington Alumni Association Services, N.A. Association University of Texas at Alumni Richardson TX FIA Card Amended No 1,071 $6,854 0 Dallas Alumni Association Services, N.A. Association University of Texas at El Alumni El Paso TX FIA Card Same Yes 2,581 $0 1 Paso Alumni Association Association Services, N.A. University of Texas at Alumni San Antonio TX Capital One, New Yes 4 $0 4 San Antonio Alumni Association N.A. Association University of Texas Alumni Houston TX Capital One, Same Yes 6 $748 3 Medical School Houston Association N.A. Alumni Association

46 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 University of Texas Pan Alumni Edinburg TX FIA Card Same Yes 1,312 $16,024 4 American Alumni Association Services, N.A. Association Inc University of Texas Tyler Foundation Tyler TX UMB Bank, N.A. New Yes 0 $0 0 Foundation University of the University San Antonio TX FIA Card Amended Yes 250 $1,760 0 Incarnate Word Services, N.A. University of Tulsa University Tulsa OK FIA Card Amended No 539 $11,065 0 Services, N.A. University of Utah Alumni Salt Lake City UT Capital One, Same Yes 235 $168,580 78 Alumni Association Association N.A. Association University of Washington Alumni Seattle WA FIA Card Amended Yes 5,391 $59,523 187 Alumni Association Association Services, N.A. University of West Foundation Pensacola FL Pen Air Federal Same Yes 55 $694 27 Florida Foundation Inc Credit Union University of Wisconsin Foundation Eau Claire WI U.S. Bank Same Yes 571 $0 28 Eau Claire Foundation National Association ND University of Wisconsin Alumni Green Bay WI FIA Card Amended No 557 $0 0 Green Bay Alumni Association Services, N.A. Association University of Wisconsin Alumni Milwaukee WI U.S. Bank Same Yes 1,083 $0 76 Milwaukee Alumni Association National Association Association ND University of Wisconsin Foundation Oshkosh WI FIA Card Amended No 365 $1,750 0 Oshkosh Foundation Services, N.A. University of Wisconsin Alumni Kenosha WI FIA Card Amended No 169 $1,987 0 Parkside Alumni Association Services, N.A. Association University of Wisconsin Alumni Platteville WI FIA Card Amended No 610 $0 0 Platteville Alumni Association Services, N.A. Association University of Wisconsin Alumni Stevens Point WI U.S. Bank Same Yes 362 $0 28 Stevens Point Alumni Association National Association Association ND University of Wisconsin Foundation Whitewater WI FIA Card Same Yes 1,482 $40,000 1 Whitewater Foundation Services, N.A. University of Wyoming Alumni Laramie WY Capital One, Same Yes 419 $38,293 215 Alumni Association Association N.A. Valdosta State Alumni Valdosta GA FIA Card Same Yes 1,347 $20,729 1 University Alumni Association Services, N.A. Association Villanova University University Villanova PA FIA Card Same Yes 4,872 $160,092 153 Services, N.A. Virginia Commonwealth Alumni Richmond VA FIA Card Same Yes 1,227 $90,000 0 University Alumni Association Services, N.A. Association Virginia Tech Alumni Alumni Blacksburg VA Chase Bank Same Yes 9,222 $0 2 Association Association USA, N.A. VMI Alumni Association Alumni Lexington VA FIA Card Amended No 238 $0 0 Association Services, N.A. Wagner College University Staten Island NY FIA Card Amended No 297 $1,661 0 Services, N.A. Wake Forest University University Winston Salem NC FIA Card Same Yes 2,647 $155,640 1 Services, N.A. Wartburg College University Waverly IA FIA Card Same Yes 229 $0 0 Services, N.A.

47 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 Washburn University University Topeka KS INTRUST Bank, Amended Yes 470 $11,183 24 N.A. Washington and Lee University Lexington VA FIA Card Amended No 113 $0 0 University Services, N.A. Washington State Alumni Pullman WA FIA Card Amended Yes 6,916 $100,000 123 University Alumni Association Services, N.A. Association Wayland Baptist University Plainview TX FIA Card Same Yes 371 $4,775 2 University Services, N.A. Wayne State University Alumni Detroit MI Capital One, Same Yes 359 $0 66 Alumni Association Association N.A. Waynesburg College University Waynesburg PA FIA Card Same No 218 $1,042 0 Services, N.A. Weber State Alumni Alumni Ogden VT U.S. Bank Same Yes 532 $0 40 Association Association National Association ND Webster University Alumni St. Louis MO FIA Card Same Yes 658 $4,442 1 Alumni Association Association Services, N.A. Wellesley College Alumni Wellesley MA Capital One, Same Yes 293 $10,000 119 Alumnae Association Association N.A. West Chester University Alumni West Chester PA FIA Card Amended No 1,357 $0 0 Alumni Association Association Services, N.A. West Liberty State Alumni West Liberty WV FIA Card Same No 360 $2,900 0 College Alumni Association Services, N.A. Association West Point Association Alumni West Point NY FIA Card Same Yes 4,506 $500,000 10 of Graduates Association Services, N.A. West Virginia University Alumni Morgantown WV FIA Card Amended No 3,260 $9,390 117 Alumni Association Association Services, N.A. Western Carolina Alumni Cullowhee NC FIA Card Amended No 652 $5,111 0 University Alumni Association Services, N.A. Association Western Connecticut University Danbury CT FIA Card Amended No 223 $3,290 0 State University Services, N.A. Western Illinois Alumni Macomb IL INTRUST Bank, Same Yes 378 $17,043 77 University Alumni Association N.A. Association Western Kentucky Alumni Bowling Green KY Capital One, New Yes 64 $35,000 70 University Alumni Association N.A. Association Western Michigan Alumni Kalamazoo MI PNC Bank, N.A. Terminate No 0 $0 0 Alumni Association Association d Western Oregon Foundation Monmouth OR FIA Card Amended No 358 $5,239 0 University Development Services, N.A. Foundation Western State College Alumni Gunnison CO FIA Card Amended No 262 $4,116 0 Alumni Association Association Services, N.A. Western Washington Alumni Bellingham WA FIA Card Same Yes 1,175 $19,187 2 University Alumni Association Services, N.A. Association Westfield State College Foundation Westfield MA FIA Card Same No 336 $2,443 0 Foundation, Inc. Services, N.A. Westminster College University New PA FIA Card Same Yes 609 $11,880 0 New Wilmington Wilmington Services, N.A. Whos Who Among Other Tuscaloosa AL FIA Card Amended No 3,518 $36,036 0 Students in American Services, N.A. Universities and Colleges Wichita State University Alumni Wichita KS INTRUST Bank, Amended Yes 3,595 $216,287 210 Alumni Association, Inc. Association N.A.

48 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

In Total Open New Payments Type of Effect Accounts: Accounts Institution or Organization City ST Credit Card Issuer Status by Issuer in Institution Jan 1, Dec 31, Opened in 2012 2013? 2012 2012 William Jewell College University Liberty MO UMB Bank, N.A. Same Yes 2,807 $0 129 William Marsh Rice University Houston TX FIA Card Amended No 1,981 $15,255 1 University Services, N.A. William Paterson Alumni Wayne NJ FIA Card Same No 640 $4,523 0 University Alumni Association Services, N.A. Association Wilmington College University Wilmington OH FIA Card Amended No 199 $1,376 0 Services, N.A. Wisconsin Alumni Alumni Madison WI FIA Card Amended Yes 18,417 $952,400 595 Association Association Services, N.A. Wofford College University Spartanburg SC FIA Card Amended No 394 $8,039 1 Services, N.A. Wright State University Alumni Dayton OH FIA Card Amended No 1,507 $21,151 1 Alumni Association Association Services, N.A. Wright State University Alumni Fairborn OH Wright-Patt New Yes 71 $15,000 71 Alumni Association Association Credit Union, Inc. Yale University University New Haven CT Chase Bank Same Yes 7,989 $1,140,000 2 USA, N.A. Zeta Beta Tau Fraternity Other Indianapolis IN FIA Card Amended No 234 $1,173 0 Inc Services, N.A. Zeta Tau Alpha Other Indianapolis IN FIA Card Same Yes 1,867 $65,000 35 Fraternity Services, N.A.

49 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

APPENDIX B:

College credit card agreements terminated in 2011

The table below lists college credit card agreements that were in effect at some time during 2011 but were terminated by year-end 2011.

Type of Institution or Institution or Organization City State Credit Card Issuer Organization Abilene Christian University University Abilene TX FIA Card Services, N.A. Academy of Art College University San Francisco CA FIA Card Services, N.A. Alabama AandM University Alumni Association Alumni Association Normal AL FIA Card Services, N.A. Albany College of Pharmacy University Albany NY FIA Card Services, N.A. Albany Law School University Albany NY FIA Card Services, N.A. Alcorn State University University Lorman MS FIA Card Services, N.A. Alpha Epsilon Delta Other Harrisonburg VA FIA Card Services, N.A. Alpha Omega International Dental Fraternity Other Rockville MD FIA Card Services, N.A. Alpha Phi Alpha Fraternity Inc Other Baltimore MD FIA Card Services, N.A. Alpha Sigma Tau Other Indianapolis IN FIA Card Services, N.A. Alumni Association of Fashion Institute of Technology Alumni Association New York NY FIA Card Services, N.A. Alumni Association of the University of West Alabama Alumni Association Livingston AL FIA Card Services, N.A. American Association of University Professors University Washington DC FIA Card Services, N.A. American Design Drafting Association Other Newbern TN FIA Card Services, N.A. American Institute of Architecture Students Other Washington DC FIA Card Services, N.A. American Society of Naval Engineers Other Alexandria VA FIA Card Services, N.A. American Society of Women Accountants Other Memphis TN FIA Card Services, N.A. American University University Washington DC FIA Card Services, N.A. Arizona State University Alumni Association Alumni Association Tempe AZ FIA Card Services, N.A. Arkansas Tech University Alumni Association Alumni Association Russellville AR FIA Card Services, N.A. ASM International Other Materials Park OH FIA Card Services, N.A.

50 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

Type of Institution or Institution or Organization City State Credit Card Issuer Organization Associated Alumnae and Alumni of the Sacred Heart Alumni Association St. Louis MO FIA Card Services, N.A. Associated Students Incorporated California State Other Long Beach CA FIA Card Services, N.A. University Long Beach Auburn University at Montgomery Alumni Association Alumni Association Montgomery AL FIA Card Services, N.A. Aurora University University Aurora IL FIA Card Services, N.A. Averett University University Danville VA FIA Card Services, N.A. BALL STATE UNIVERSITY ALUMNI ASSOCIATION Alumni Muncie IN Chase Bank, N.A. Bellarmine College University Louisville KY FIA Card Services, N.A. Belmont Abbey College University Belmont NC FIA Card Services, N.A. Belmont University University Nashville TN FIA Card Services, N.A. Benedictine University University Lisle IL FIA Card Services, N.A. Bennett College National Alumnae Association Alumni Association Washington DC FIA Card Services, N.A. Biola University University La Mirada CA FIA Card Services, N.A. Biomedical Engineering Society Other Culver City CA FIA Card Services, N.A. Blackburn College University Carlinville IL FIA Card Services, N.A. Bloomsburg University Foundation Bloomsburg PA FIA Card Services, N.A. Bowie State University National Alumni Association Alumni Association Saint Leonard MD FIA Card Services, N.A. California Lutheran University University Thousand Oaks CA FIA Card Services, N.A. California Psychological Association Other Sacramento CA FIA Card Services, N.A. California State University Chico Alumni Alumni Association Chico CA FIA Card Services, N.A. Association_The University Foundation California State University Chico California State University Long Beach Alumni Alumni Association Long Beach CA FIA Card Services, N.A. Association Canisius College University Buffalo NY FIA Card Services, N.A. Carthage College University Kenosha WI FIA Card Services, N.A. Case Western Reserve University Cleveland OH FIA Card Services, N.A. Catawba College University Salisbury NC FIA Card Services, N.A. Cazenovia College University Cazenovia NY FIA Card Services, N.A. Chadron State Foundation Foundation Chadron NE FIA Card Services, N.A. Christian Brothers University University Memphis TN FIA Card Services, N.A. Claflin College University Orangeburg SC FIA Card Services, N.A. Clark University Alumni Association Alumni Association Worcester MA FIA Card Services, N.A. Colby Sawyer College University New London NH FIA Card Services, N.A. Coppin State College Development Foundation Inc Foundation Baltimore MD FIA Card Services, N.A. Delaware Valley College University Doylestown PA FIA Card Services, N.A. Delta Gamma Fraternity Other Columbus OH FIA Card Services, N.A. Delta Mu Delta Honor Society Other Brookfield IL FIA Card Services, N.A. Des Moines University Osteopathic Medical Center University Des Moines IA FIA Card Services, N.A.

51 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

Type of Institution or Institution or Organization City State Credit Card Issuer Organization Dominican College of San Rafael University San Rafael CA FIA Card Services, N.A. Dowling College University Oakdale NY FIA Card Services, N.A. Duke Alumni Association, Inc. Alumni Durham NC Chase Bank, N.A. East Stroudsburg University Foundation Inc Foundation East PA FIA Card Services, N.A. Stroudsburg Eastern Connecticut State University Alumni Association Alumni Association Willimantic CT FIA Card Services, N.A. Eckerd College Alumni Association Alumni Association St. Petersburg FL FIA Card Services, N.A. Elmhurst College Alumni Association Elmhurst IL U.S. Bank National Association ND Embry Riddle Aeronautical University University Daytona Beach FL FIA Card Services, N.A. Emerson College University Boston MA FIA Card Services, N.A. Emmanuel College University Boston MA FIA Card Services, N.A. Fairleigh Dickinson University University Teaneck NJ FIA Card Services, N.A. Faulkner University University Montgomery AL FIA Card Services, N.A. Fitchburg State College University Fitchburg MA FIA Card Services, N.A. Florida Southern College University Lakeland FL FIA Card Services, N.A. Freed Hardeman University University Henderson TN FIA Card Services, N.A. Furman University University Greenville SC FIA Card Services, N.A. Georgia Pharmacy Foundation Foundation Atlanta GA FIA Card Services, N.A. Grambling University National Alumni Association Alumni Association Grambling LA FIA Card Services, N.A. Guilford College University Greensboro NC FIA Card Services, N.A. Gwynedd Mercy College University Gwynedd Valley PA FIA Card Services, N.A. Hamline University University Saint Paul MN FIA Card Services, N.A. Hartwick College University Oneonta NY FIA Card Services, N.A. Haverford College University Haverford PA FIA Card Services, N.A. Hawaii Pacific University University Honolulu HI FIA Card Services, N.A. Husson College Alumni Association Alumni Association Bangor ME FIA Card Services, N.A. Idaho State University University Pocatello ID FIA Card Services, N.A. Independent University Alumni Association at Lowell Alumni Association Lowell MA FIA Card Services, N.A. Jackson State University University Jackson MS FIA Card Services, N.A. John Carroll University University University OH FIA Card Services, N.A. Heights Juilliard School Other New York NY FIA Card Services, N.A. Kappa Alpha Order Other Lexington VA FIA Card Services, N.A. Kappa Alpha Theta Fraternity Inc Other Indianapolis IN FIA Card Services, N.A. Kappa Epsilon Fraternity Other Stone Mountain GA FIA Card Services, N.A. Lamar University University Beaumont TX Compass Bank Langston University National Alumni Association Alumni Association Langston OK FIA Card Services, N.A. Lewis and Clark College University Portland OR FIA Card Services, N.A. Lewis University University Romeoville IL FIA Card Services, N.A.

52 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

Type of Institution or Institution or Organization City State Credit Card Issuer Organization Limestone College Bank NA University Gaffney SC FIA Card Services, N.A. Long Island University University Brookville NY FIA Card Services, N.A. Louisiana State University Shreveport Alumni Alumni Association Shreveport LA FIA Card Services, N.A. Association Loyola Blakefield Alumni Association Alumni Association Baltimore MD FIA Card Services, N.A. Loyola Marymount University University Los Angeles CA FIA Card Services, N.A. Loyola University of Chicago University Chicago IL FIA Card Services, N.A. Mansfield University Foundation Inc Foundation Mansfield PA FIA Card Services, N.A. Marquette University University Milwaukee WI FIA Card Services, N.A. Mary Baldwin College University Staunton VA FIA Card Services, N.A. Massachusetts College of Pharmacy and Allied Health University Boston MA FIA Card Services, N.A. Sciences Massachusetts Institute of Technology Alumni Association Cambridge MA FIA Card Services, N.A. McNeese State University Alumni Association Alumni Association Lake Charles LA FIA Card Services, N.A. Methodist College Incorporated University Fayetteville NC FIA Card Services, N.A. Milligan College Alumni Association Alumni Association Milligan College TN FIA Card Services, N.A. Minnesota State University Mankato Foundation Inc Foundation Mankato MN FIA Card Services, N.A. Moravian College University Bethlehem PA FIA Card Services, N.A. Morehead State University Alumni Association Alumni Association Morehead KY FIA Card Services, N.A. Mortar Board Foundation Fund Foundation Columbus OH FIA Card Services, N.A. Music Educators National Conference MENC Other Reston VA FIA Card Services, N.A. National Deans List Graduate Other Austin TX FIA Card Services, N.A. New York Law School Alumni Association Alumni Association New York NY FIA Card Services, N.A. Newberry College University Newberry SC FIA Card Services, N.A. Nicholls State University Alumni Federation Alumni Association Thibodaux LA FIA Card Services, N.A. NLN Foundation for Nursing Education Foundation New York NY FIA Card Services, N.A. North Carolina Agricultural and Technical State University Greensboro NC FIA Card Services, N.A. University North Georgia College and State University Alumni Alumni Association Dahlonega GA FIA Card Services, N.A. Association North Greenville University University Tigerville SC FIA Card Services, N.A. Norwich University Alumni Association Alumni Association Northfield VT FIA Card Services, N.A. Oglethorpe University Alumni Association Alumni Association Atlanta GA FIA Card Services, N.A. Ohio College of Podiatric Medicine University Cleveland OH FIA Card Services, N.A. Ohio University Alumni Association Alumni Association Athens OH FIA Card Services, N.A. Ohio Wesleyan University University Delaware OH FIA Card Services, N.A. Oral Roberts University Alumni Foundation Foundation Tulsa OK FIA Card Services, N.A. Phi Delta Chi Other Arlington VA FIA Card Services, N.A. Phi Delta Epsilon Medical Fraternity Inc Other Alpena MI FIA Card Services, N.A.

53 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

Type of Institution or Institution or Organization City State Credit Card Issuer Organization Phi Kappa Theta National Fraternity Other Carmel IN FIA Card Services, N.A. Phi Sigma Pi Other Lancaster PA FIA Card Services, N.A. Philadelphia College of Pharmacy and Science University Philadelphia PA FIA Card Services, N.A. Pi Kappa Phi Foundation Other Charlotte NC FIA Card Services, N.A. Plymouth State College Alumni Association Alumni Association Plymouth NH FIA Card Services, N.A. Portland State University Alumni Association Alumni Association Portland OR FIA Card Services, N.A. Prairie View A and M University National Alumni Alumni Association Prairie View TX FIA Card Services, N.A. Association Presbyterian College University Clinton SC FIA Card Services, N.A. Princeton University Store Other Princeton NJ FIA Card Services, N.A. Psi Omega Dental Fraternity Other Charleston SC FIA Card Services, N.A. Psi Upsilon Fraternity Other Indianapolis IN FIA Card Services, N.A. Quincy University University Quincy IL FIA Card Services, N.A. Radford University Alumni Association Alumni Association Radford VA FIA Card Services, N.A. Regis College University Weston MA FIA Card Services, N.A. SAE International Other Warrendale PA FIA Card Services, N.A. Saginaw Valley State University University University MI FIA Card Services, N.A. Center Saint Anselm College University Manchester NH FIA Card Services, N.A. Saint Josephs University University Philadelphia PA FIA Card Services, N.A. Saint Leo University University Saint Leo FL FIA Card Services, N.A. Saint Marys University of San Antonio Texas University San Antonio TX FIA Card Services, N.A. Santa Clara University University Santa Clara CA FIA Card Services, N.A. Seattle Pacific University University Seattle WA FIA Card Services, N.A. Seton Hall University University South Orange NJ FIA Card Services, N.A. Shepherd College Alumni Association Alumni Association Shepherdstown WV FIA Card Services, N.A. Shorter College Alumni Association Alumni Association Rome GA FIA Card Services, N.A. Simmons College University Boston MA FIA Card Services, N.A. Society for Mining Metallurgy and Exploration Inc Other Littleton CO FIA Card Services, N.A. Society of Plastics Engineers Other Brookfield CT FIA Card Services, N.A. Soil and Water Conservation Society Other Ankeny IA FIA Card Services, N.A. Sonoma State University Alumni Association Inc_SSU Alumni Association Rohnert Park CA FIA Card Services, N.A. Development Office Southern Methodist University University Dallas TX FIA Card Services, N.A. Southern University System Alumni Federation Alumni Association Baton Rouge LA FIA Card Services, N.A. Southern Utah University Alumni Association Alumni Association Cedar City UT FIA Card Services, N.A. Southwestern Oklahoma State University Alumni Alumni Association Weatherford OK FIA Card Services, N.A. Association Spring Arbor University University Spring Arbor MI FIA Card Services, N.A. State University of New York Binghamton Alumni Association Binghamton NY FIA Card Services, N.A.

54 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

Type of Institution or Institution or Organization City State Credit Card Issuer Organization SUNY Farmingdale Alumni Association Alumni Association Farmingdale NY FIA Card Services, N.A. SUNY Geneseo Alumni Association Geneseo NY FIA Card Services, N.A. Swarthmore College University Swarthmore PA FIA Card Services, N.A. TAPPI Foundation Inc Foundation Atlanta GA FIA Card Services, N.A. Tarleton Alumni Association Alumni Association Stephenville TX FIA Card Services, N.A. Tau Epsilon Phi Fraternity Other Voorhees NJ FIA Card Services, N.A. Teachers College Columbia University University New York NY FIA Card Services, N.A. Texas AandM University Corpus Christi Alumni Alumni Association Corpus Christi TX FIA Card Services, N.A. Association Texas Society of Professional Engineers Other Austin TX FIA Card Services, N.A. Texas Wesleyan University University Fort Worth TX FIA Card Services, N.A. The Delta Theta Phi Law Fraternity Other Rocky River OH FIA Card Services, N.A. The Fraternity of Alpha Zeta Other St. Louis MO FIA Card Services, N.A. The Lutheran University Association Inc University Valparaiso IN FIA Card Services, N.A. The Mount Sinai Alumni Inc Alumni Association New York NY FIA Card Services, N.A. The New York Medical College Alumni Association Alumni Association Valhalla NY FIA Card Services, N.A. The Regents of the University of Colorado on behalf of University Denver CO FIA Card Services, N.A. the University of Colorado at Denver and Health Sciences Center The School of Visual Arts Alumni Association New York NY FIA Card Services, N.A. The Trustees of Princeton University University Princeton NJ FIA Card Services, N.A. Theta Xi Fraternity Other St. Louis MO FIA Card Services, N.A. Trinity University University San Antonio TX FIA Card Services, N.A. Troy State University Foundation Troy AL FIA Card Services, N.A. UMass-Dartmouth Alumni Association Dartmouth MA U.S. Bank National Association ND Union College University Barbourville KY FIA Card Services, N.A. United States Coast Guard Academy Alumni Alumni Association New London CT FIA Card Services, N.A. Association Inc University of California Riverside Alumni Association Alumni Association Riverside CA FIA Card Services, N.A. University of Maine General Alumni Association Alumni Association Orono ME FIA Card Services, N.A. University of Maryland School of Law University Baltimore MD FIA Card Services, N.A. University of Massachusetts Amherst Alumni Alumni Association Amherst MA FIA Card Services, N.A. Association Inc University of Massachusetts Boston University Boston MA FIA Card Services, N.A. University of Mississippi Foundation Foundation Oxford MS FIA Card Services, N.A. University of Montana Alumni Association Alumni Association Missoula MT FIA Card Services, N.A. University of Montevallo Alumni Association Alumni Association Montevallo AL FIA Card Services, N.A. University of Nebraska at Kearney Alumni Association Alumni Association Kearney NE FIA Card Services, N.A. University of Northern Colorado Alumni Association Alumni Association Greeley CO FIA Card Services, N.A.

55 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

Type of Institution or Institution or Organization City State Credit Card Issuer Organization University of Rhode Island Alumni Association Alumni Association Kingston RI FIA Card Services, N.A. University of San Diego Alumni Association Alumni Association San Diego CA FIA Card Services, N.A. University of San Francisco University San Francisco CA FIA Card Services, N.A. University of South Alabama Alumni Association Mobile AL U.S. Bank National Association ND University of Texas at Tyler Alumni Association Alumni Association Tyler TX FIA Card Services, N.A. University of Texas San Antonio Alumni Association Alumni Association San Antonio TX FIA Card Services, N.A. University of the Arts University Philadelphia PA FIA Card Services, N.A. University of the Pacific University Stockton CA FIA Card Services, N.A. University of Toledo Alumni Association Inc Alumni Association Toledo OH FIA Card Services, N.A. University of Utah Alumni Association Alumni Association Salt Lake City UT FIA Card Services, N.A. University of Vermont and State Agricultural College University Burlington VT FIA Card Services, N.A. University of Western Ontario University London ON FIA Card Services, N.A. University of Wisconsin La Crosse Alumni Association Alumni Association La Crosse WI FIA Card Services, N.A. University of Wisconsin Superior Alumni Association Alumni Association Superior WI FIA Card Services, N.A. University of Wyoming Alumni Association Alumni Association Laramie WY FIA Card Services, N.A. University System of Maryland Foundation Foundation Adelphi MD FIA Card Services, N.A. Ursinus College University Collegeville PA FIA Card Services, N.A. Vassar College University Poughkeepsie NY FIA Card Services, N.A. Washington University University Saint Louis MO FIA Card Services, N.A. Water Environment Federation Other Alexandria VA FIA Card Services, N.A. Western State University Alumni Association Alumni Association Fullerton CA FIA Card Services, N.A. Whittier College University Whittier CA FIA Card Services, N.A. Widener University University Chester PA FIA Card Services, N.A. Widener University School of Law University Chester DE FIA Card Services, N.A. Wilmington University Inc University New Castle DE FIA Card Services, N.A. Wilson College Alumni Association Chambersburg PA FIA Card Services, N.A. Wilson College University Chambersburg PA Pennsylvania State Employees Credit Union Worcester Polytechnic Institute Alumni Association Alumni Association Worcester MA FIA Card Services, N.A. Worcester State College University Worcester MA FIA Card Services, N.A. Youngstown State University Alumni Association Youngstown OH FIA Card Services, N.A.

56 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

APPENDIX C:

Corrected information regarding college credit card agreements

In 2013, the Bureau received corrected information from INTRUST Bank and MIT Credit Union. Both issuers provided information for 2011 that had not been received by the Bureau in 2012. UMB Bank, N.A erroneously reported 3 entities that are not institutions of higher education for 2011 and Bureau thus removed them from 2011 reporting. The Bureau also reconciled its 2012 submissions with their associated agreements. Some institutions’ names did not match their affinity agreements. These institutions’ names were also corrected.

2011 Corrections

Total Open New In Effect Payments Institution or Type of Accounts: Accounts City ST Credit Card Issuer Status Jan 1, by Issuer Organization Institution Dec 31, Opened in 2011? in 2010 2010 2010

Ball State University Alumni Alumni INTRUST Bank, Association Association Muncie IN N.A. New Yes 217 $80,399 217 Baylor University Alumni Alumni U.S. Bank National Association Association Waco TX Association ND Same Yes 1,938 $32,093 56 Bemidji State University Alumni Alumni U.S. Bank National Association Association Bemidji MN Association ND Same Yes 275 $0 20 Colorado State University Alumni Alumni U.S. Bank National Association Association Fort Collins CO Association ND Same Yes 5,834 $280,000 111

57 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

Total Open New In Effect Payments Institution or Type of Accounts: Accounts City ST Credit Card Issuer Status Jan 1, by Issuer Organization Institution Dec 31, Opened in 2011? in 2010 2010 2010

Duquesne University Alumni Alumni U.S. Bank National Association Association Pittsburgh PA Association ND Same Yes 1,162 $0 53 Florida Institute of Technology Alumni Alumni U.S. Bank National Association Association Melbourne FL Association ND Same Yes 336 $0 26 Indiana University of Pennsylvania Alumni Alumni FIA Card Services, Association Association Indiana PA N.A. Same Yes 3,530 $63,907 35 Jacksonville State University Alumni Alumni U.S. Bank National Association Association Jacksonville AL Association ND Same Yes 580 $0 40 Miner Alumni Association (MO University of Alumni U.S. Bank National S&T) Association Rolla MO Association ND Same Yes 406 $0 27 MIT Alumni Alumni Association Association Cambridge MA MIT Credit Union New Yes 175 $20,000 50 Northwest Missouri State University Alumni Alumni U.S. Bank National Association Association Maryville MO Association ND Same Yes 338 $0 33 Ohio Northern University Alumni Alumni U.S. Bank National Association Association Ada OH Association ND Same Yes 342 $0 14 Pepperdine University Alumni Alumni U.S. Bank National Association Association Malibu CA Association ND Same Yes 642 $0 73 Rensselaer Polytechnic Institute Alumni Alumni U.S. Bank National Association Association Troy NY Association ND Amended Yes 762 $714 64 Rhode Island College Alumni Alumni U.S. Bank National Association Association Providence RI Association ND Same Yes 672 $0 57 Rhode Island FIA Card Services, School of Design University Providence RI N.A. Amended Yes 961 $19,747 11 Rutgers University Alumni Federation and Rutgers, the University State University and Alumni New U.S. Bank National of New Jersey Association Brunswick NJ Association ND Same Yes 5,081 $500,000 351

58 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

Total Open New In Effect Payments Institution or Type of Accounts: Accounts City ST Credit Card Issuer Status Jan 1, by Issuer Organization Institution Dec 31, Opened in 2011? in 2010 2010 2010

Saint Peter's College Alumni Alumni U.S. Bank National Association Association Jersey City NJ Association ND Same Yes 296 $0 14 Slippery Rock State University U.S. Bank National Foundation, Inc. Foundation Slippery Rock PA Association ND Same Yes 1,994 $25,000 38 South Dakota State University Alumni Alumni U.S. Bank National Association Association Brookings SD Association ND Same Yes 598 $0 52 SUNY Cortland Alumni Alumni U.S. Bank National Association Association Cortland NY Association ND Same Yes 664 $0 26 SUNY College at Oneonta Alumni Alumni U.S. Bank National Association, Inc. Association Oneonta NY Association ND Same Yes 560 $0 33 The Alumni Association of the State University College at Alumni U.S. Bank National Potsdam Association Potsdam NY Association ND Same Yes 373 $0 17 The Citadel Alumni Alumni U.S. Bank National Association Association Charleston SC Association ND Same Yes 376 $0 39 The College of New Jersey Alumni Alumni U.S. Bank National Association Association Ewing NJ Association ND Same Yes 699 $0 37 University Louisiana Lafayette Alumni Alumni U.S. Bank National Association Association Lafayette LA Association ND Same Yes 1,412 $0 85 University of Alabama at Birmingham National Alumni Alumni U.S. Bank National Society Association Birmingham AL Association ND Same Yes 990 $0 56 University of Alabama Huntsville Alumni Alumni U.S. Bank National Association Association Huntsville Al Association ND Same Yes 123 $0 15 University of Colorado at Colorado Springs Alumni Alumni Colorado U.S. Bank National Association Association Springs CO Association ND Same Yes 517 $0 15

59 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

Total Open New In Effect Payments Institution or Type of Accounts: Accounts City ST Credit Card Issuer Status Jan 1, by Issuer Organization Institution Dec 31, Opened in 2011? in 2010 2010 2010

University of Hartford Alumni Alumni U.S. Bank National Association Association West Hartford MA Association ND Same Yes 620 $0 49 University of Minnesota Alumni Alumni FIA Card Services, Association Association Minneapolis MN N.A. Same Yes 734 $476,875 229 University of North Alabama Alumni Alumni U.S. Bank National Association Association Florence AL Association ND Amended Yes 293 $4,296 20 University of North Dakota Alumni Alumni U.S. Bank National Association Association Grand Forks ND Association ND Same Yes 1,665 $33,362 243 University of Texas at Dallas Alumni Alumni FIA Card Services, Association Association Richardson TX N.A. Same Yes 1,223 $13,383 20 University of Wisconsin Eau Claire U.S. Bank National Foundation Foundation Eau Claire WI Association ND Same Yes 573 $0 33 University of Wisconsin Milwaukee Alumni Alumni U.S. Bank National Association Association Milwaukee WI Association ND Same Yes 1,081 $0 74 University of Wisconsin Stevens Point Alumni Alumni U.S. Bank National Association Association Stevens Point WI Association ND Same Yes 353 $0 35 Valdosta State University Alumni Alumni FIA Card Services, Association Association Valdosta GA N.A. Same Yes 1,534 $5,236 9 Washington and FIA Card Services, Lee University University Lexington VA N.A. Same Yes 125 $40,000 22 Weber State Alumni Alumni U.S. Bank National Association Association Ogden VT Association ND Same Yes 1,709 $150,000 48 Westfield State College FIA Card Services, Foundation Foundation Westfield MA N.A. Amended Yes 386 $5,318 8 Lake County Alumni Memphis TN UMB Bank, N.A. Same Yes 0 $0 0 Schools Alumni Association

60 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS

Total Open New In Effect Payments Institution or Type of Accounts: Accounts City ST Credit Card Issuer Status Jan 1, by Issuer Organization Institution Dec 31, Opened in 2011? in 2010 2010 2010

Nebraska Alumni Waco NE UMB Bank, N.A. New Yes 0 $0 0 Lutheran High Association School

North Alumni Hunterdon- PA UMB Bank, N.A. New Yes 0 $0 0 Hunterdon- Association Voorhees Voorhees Regional High School District

61 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS