College Credit Card Agreements · 3 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS 1. Purpose The...
Transcript of College Credit Card Agreements · 3 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS 1. Purpose The...
1 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
DECEMBER 2013
ANNUAL REPORT TO CONGRESS
College Credit Card Agreements
2 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 Act i 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
Item 2012 2011 2010 2009 Net Change 2009 to 2012
Percent Change 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-end 1,222,718 1,503,664 1,709,054 2,041,511 -818,793 -40%
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
Credit card issuer Agreements in effect in 2012
Total open accounts as of 12/31/2012
Payments by issuer in 2012
New accounts opened 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 Association ND
48 37,935 $124,979 2,531
UMB Bank, N.A. 39 11,431 $62 657
Chase Bank USA, N.A. 15 83,390 $5,855,531 156
Pennsylvania State Employees Credit Union
14 2,290 $8,320 282
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 Union
2 55 $694 27
GE Capital Retail Bank 2 819 $1,528,572 135
Oregon Community Credit Union and OCCU Card Services, LLC
2 1,163 $450,000 1,163
Michigan State University Federal Credit Union
2 2,701 $435,000 1,361
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 Rico
1 16,500 $74,706 597
University of Illinois Employees Credit Union
1 7,526 $487,500 3,306
Purdue Federal Credit Union
1 22,567 $1,000,000 3,126
Wright-Patt Credit Union, Inc.
1 71 $15,000 71
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
10 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
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
Credit card issuer Agreements in effect in 2011
Agreements terminated in 2011
New agreements in 2012
Agreements in effect in 2012
Net change from 2011 to 2012
FIA Card Services, N.A. 633 221 0 412 -221
U.S. Bank National Association ND
51 3 0 48 -3
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 Employees Credit Union
13 1 2 14 1
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 Federal Credit Union
2 0 0 2 0
Pen Air Federal Credit Union 1 0 1 2 1
USC Credit Union 1 0 0 1 0
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Credit card issuer Agreements in effect in 2011
Agreements terminated in 2011
New agreements in 2012
Agreements in effect in 2012
Net change from 2011 to 2012
Oregon Community Credit Union and OCCU Card Services, LLC
0 0 2 2 2
Banco Popular de Puerto Rico
1 0 0 1 0
Carolina Trust FCU 1 0 0 1 0
University of Illinois Employees Credit Union
1 0 0 1 0
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 One
n/a
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.
13 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
TABLE 5: TYPE OF INSTITUTION OR ORGANIZATION IN ORDER OF NUMBER OF AGREEMENTS IN EFFECT IN 2012
Type of institution or organization
Agreements in effect in 2012
Total open accounts: 12/31/2012
Payments by issuer in 2012
New accounts opened in 2012
Alumni Associations 268 735,653 $30,805,379 32,072
Institutions of higher education
175 222,446 $11,791,359 8,644
Other organizations 120 163,438 $3,654,000 2,504
Foundations 48 79,513 $3,560,142 1,880
Multiple institutions and organizations
6 21,668 $585,222 419
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
43% 37%
28%
0%5%
10%15%20%25%30%35%40%45%50%
2009 2010 2011 2012
Share of total agreements Alumni Associations
Institutions of highereducation
Other organizations
Foundations
Multiple institutions andorganizations
14 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
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
Credit card issuer Total open accounts: 12/31/2012
Total open accounts: 12/31/2011
Total open accounts: 12/31/2010
Total open accounts: 12/31/2009
Net change 2009 to 2012
Percent change 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 Credit Union
2,290 3,236 9,121 9,349 -7,059 -76%
University of Illinois Employees Credit Union
7,526 4,222 771 7,526
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 Credit Union
2,701 1,438 210 275 2,426 882%
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 and OCCU Card Services, LLC
1,163 1,163
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%
15 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
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
Institution or organization Credit card issuer Total open accounts: 12/31/2012
Total open accounts: 12/31/2011 Rank as of 12/31/2011
Penn State Alumni Association FIA Card Services, N.A. 60,490 65,955 1
Alumni Association of the University of Michigan FIA Card Services, N.A. 31,090 33,773 3
Golden Key International Honour Societyl
FIA Card Services, N.A. 30,560 33,775 2
Association of Former Students of Texas AM University
FIA Card Services, N.A. 29,868 32,585 4
The Ex Students Association of The University of Texas
FIA Card Services, N.A. 27,635 30,133 5
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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Institution or organization Credit card issuer Total open accounts: 12/31/2012
Total open accounts: 12/31/2011 Rank as of 12/31/2011
UCLA Alumni Association FIA Card Services, N.A. 24,201 25,309 7
Indiana University Alumni Association FIA Card Services, N.A. 23,370 25,763 6
Purdue Alumni Association Purdue Federal Credit Union 22,567 17,919 13
University of Southern California FIA Card Services, N.A. 18,768 19,512 9
Wisconsin Alumni Association
FIA Card Services, N.A. 18,417 20,205 8
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
Credit card issuer Payments by issuer: 12/31/2012
Payments by issuer: 12/31/2011
Payments by issuer: 12/31/2010
Payments by issuer: 12/31/2009
Net change 2009 to 2012
Percent 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 Association ND
$124,979 $1,492,648 $1,875,994 $2,502,744 -$2,377,765 -95%
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 Employees Credit Union
$487,500 $750,000 $500,000 $487,500
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 Federal Credit Union
$435,000 $435,000 $150,000 $60,000 $375,000 625%
17 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Credit card issuer Payments by issuer: 12/31/2012
Payments by issuer: 12/31/2011
Payments by issuer: 12/31/2010
Payments by issuer: 12/31/2009
Net change 2009 to 2012
Percent change 2009 to 2012
USAA Savings Bank $214,714 $161,490 $111,487 $84,530 $130,184 154%
Banco Popular de Puerto Rico
$74,706 $77,799 $78,016 $58,729 $15,977 27%
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 Employees Credit Union
$8,320 $270 $405 $7,375 $945 13%
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 Union and OCCU Card Services, LLC
$450,000 $450,000
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.
18 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
TABLE 9: TEN AGREEMENTS WITH THE LARGEST PAYMENTS MADE BY THE CREDIT CARD ISSUER IN 2012
Institution or organization Credit card issuer Issuers’ payments in 2012
Issuers’ payments in 2011
Rank as of 12/31/2011
Penn State Alumni Association
FIA Card Services, N.A. $2,742,743 $2,742,743 1
Alumni Association of the University of Michigan FIA Card Services, N.A. $1,800,000 $1,700,000 2
University of Southern California FIA Card Services, N.A. $1,505,550 $1,502,250 3
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 of N Carolina at Chapel Hill FIA Card Services, N.A. $1,250,000 $1,250,000 7
Association of Former Students of Texas AM University
FIA Card Services, N.A. $1,209,702 $1,206,156 9
The University of Georgia Foundation FIA Card Services, N.A. $1,157,737 $1,307,086
8
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.
19 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
TABLE 10: CHANGE IN TOTAL NEW CREDIT CARD ACCOUNTS OPENED FROM 2009 TO 2012
Credit card issuer New accounts opened in 2012
New accounts opened in 2011
New accounts opened in 2010
New accounts opened in 2009
Net change 2009 to 2012
Percent change 2009 to 2012
FIA Card Services, N.A. 26,566 23,103 30,193 38,610 -12,044 -31%
U.S. Bank National Association ND
2,531 2,892 6,990 7,911 -5,380 -68%
Purdue Federal Credit Union 3,126 2,877 2,642 2,374 752 32%
University of Illinois Employees Credit Union
3,306 3,452 779 3,306
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 Federal Credit Union
1,361 1,180 48 76 1,285 1691%
Banco Popular de Puerto Rico
597 442 626 627 -30 -5%
Pennsylvania State Employees Credit Union
282 54 81 1,475 -1,193 -81%
Oregon Community Credit Union and OCCU Card Services, LLC
1,163 1,163
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%
20 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
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
Institution or organization Credit card issuer New accounts opened in 2012
New accounts opened in 2011
Rank as of 12/31/2011
University of Illinois Alumni Association
University of Illinois Employees Credit Union 3,306 3,452 1
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 California FIA Card Services, N.A. 1,608 463 15
UCLA Alumni Association FIA Card Services, N.A. 1,521 580 11
21 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or organization Credit card issuer New accounts opened in 2012
New accounts opened in 2011
Rank as of 12/31/2011
Penn State Alumni Association
FIA Card Services, N.A. 1,394 525 12
Michigan State University Michigan State University Federal Credit Union 1,286 1,115
5
Alumni Association of the University of Michigan FIA Card Services, N.A. 1,190 618 8
California Alumni Association FIA Card Services, N.A. 1,179 453 16
Alumni Association of the University of Oregon
Oregon Community Credit Union and OCCU Card Services, LLC
959 - -
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
0%5%
10%15%20%25%30%35%40%45%
2009 2010 2011 2012
Per
cen
t of
Tot
al
Top Ten Share of Total Value
Total accounts
Payments by issuers
New accounts
22 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.
23 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.
24 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.
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Alabama State University
University Montgomery AL FIA Card Services, N.A.
Amended No 205 $1,707 0
Alfred State Alumni Association
Alumni Association
Alfred NY FIA Card Services, N.A.
Amended No 272 $3,421 0
Alpha Chi National College Honor Scholarship Society
Other Searcy AR FIA Card Services, N.A.
Same Yes 1,260 $17,742 40
Alpha Chi Omega Other Indianapolis IN FIA Card Services, N.A.
Same No 1,571 $12,771 12
Alpha Delta Pi Sorority Other Atlanta GA FIA Card Services, N.A.
Amended No 1,590 $18,536 0
Alpha Epsilon Omega Foundation
Other Glendale CA Capital One, N.A.
New Yes 1 $0 0
Alpha Gamma Delta Other Indianapolis IN FIA Card Services, N.A.
Same Yes 1,113 $19,503 23
Alpha Gamma Rho Fraternity
Other Kansas City MO FIA Card Services, N.A.
Same Yes 611 $20,000 1
Alpha Kappa Psi Other Indianapolis IN U.S. Bank National Association ND
Same Yes 328 $3,488 47
Alpha Omicron Pi Fraternity Inc
Other Brentwood TN FIA Card Services, N.A.
Same Yes 2,004 $25,922 31
Alpha Phi Delta Foundation Inc
Foundation Monroeville PA FIA Card Services, N.A.
Amended No 112 $1,400 0
Alpha Phi Delta Foundation, Inc.
Other Pittsburgh PA Capital One, N.A.
New Yes 7 $0 7
Alpha Phi International Fraternity
Other Evanston IL FIA Card Services, N.A.
Amended No 1,374 $0 16
Alpha Sigma Alpha Sorority
Other Indianapolis IN FIA Card Services, N.A.
Same No 510 $25,000 9
Alpha Tau Omega Other Indianapolis IN FIA Card Services, N.A.
Amended No 171 $0 0
Alpha Xi Delta Fraternity Other Indianapolis IN FIA Card Same No 807 $6,125 12
25 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Services, N.A.
Alumnae Association of Smith College
Alumni Association
Northampton MA FIA Card Services, N.A.
Amended Yes 2,621 $53,936 5
Alumni Association of George Mason University
Alumni Association
Fairfax VA FIA Card Services, N.A.
Amended No 1,462 $6,574 16
Alumni Association of the City College of New York
Alumni Association
New York NY FIA Card Services, N.A.
Same No 516 $3,818 0
Alumni Association of the University of Michigan
Alumni Association
Ann Arbor MI FIA Card Services, N.A.
Same Yes 31,090 $1,800,000 1,190
Alumni Association of the University of Oregon
Alumni Association
Eugene OR Oregon Community Credit Union and OCCU Card Services, LLC
New Yes 959 $150,000 959
Alumni Association of the University of South Dakota
Alumni Association
Vermillion SD FIA Card Services, N.A.
Amended No 859 $8,737 1
Alumni Association of the University of Virginia
University Charlottesville VA FIA Card Services, N.A.
Same Yes 1,475 $73,998 669
Alumni Association of Winthrop University
Alumni Association
Rock Hill SC FIA Card Services, N.A.
Same Yes 278 $2,935 0
Alumni Association School of Medicine of Loma Linda University
Alumni Association
Loma Linda CA FIA Card Services, N.A.
Amended No 150 $2,056 0
Alverno College University Milwaukee WI FIA Card Services, N.A.
Same No 243 $2,010 0
American Association for Justice
Other Washington DC FIA Card Services, N.A.
Same Yes 6,969 $208,731 47
American Chemical Society
Other Washington DC FIA Card Services, N.A.
Same Yes 5,722 $163,675 34
American College of Osteopathic Family Physicians
Other Arlington Heights
IL FIA Card Services, N.A.
Same Yes 857 $25,027 6
American College of Sports Medicine
Other Indianapolis IN FIA Card Services, N.A.
Same No 397 $1,484 0
American Counseling Association
Other Alexandria VA FIA Card Services, N.A.
Same Yes 2,359 $33,776 88
American Health Information Management Association
Other Chicago IL FIA Card Services, N.A.
Amended No 1,369 $12,022 0
American Institute of Aeronautics and Astronautics Inc
Other Reston VA FIA Card Services, N.A.
Same Yes 963 $18,680 0
American Library Association
Other Chicago IL FIA Card Services, N.A.
Same Yes 919 $14,106 4
American Nuclear Society
Other La Grange Park IL FIA Card Services, N.A.
Same Yes 386 $5,120 0
American Occupational Therapy Association
Other Bethesda MD FIA Card Services, N.A.
Same Yes 3,523 $58,154 13
American Society for Microbiology
Other Washington DC FIA Card Services, N.A.
Same Yes 380 $5,347 0
American Society of Interior Designers Inc
Other Washington DC FIA Card Services, N.A.
Same Yes 1,770 $24,117 2
26 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
American Society of Landscape Architects
Other Washington DC FIA Card Services, N.A.
Same No 872 $16,036 9
American Society of Safety Engineers
Other Des Plaines IL FIA Card Services, N.A.
Amended No 1,246 $21,399 1
American Veterinary Medical Association
Other Schaumburg IL FIA Card Services, N.A.
Same Yes 4,735 $173,808 332
Angelo State University Ex Students Association
Alumni Association
San Angelo TX FIA Card Services, N.A.
Same Yes 526 $12,156 0
Appalachian State University Foundation Inc
Foundation Boone NC FIA Card Services, N.A.
Same Yes 1,229 $55,000 16
Arcadia University University Glenside PA FIA Card Services, N.A.
Same No 310 $1,632 0
Arkansas Alumni Association Inc Razorback Fayetteville
Alumni Association
Fayetteville AR FIA Card Services, N.A.
Amended Yes 4,131 $149,094 356
Arkansas State University Alumni Association
Alumni Association
Jonesboro AR Capital One, N.A.
Same Yes 202 $3,659 174
Asociacion Alumni CAAM
Alumni Association
Mayaguez PR FIA Card Services, N.A.
Same Yes 4,645 $64,234 0
Asociacion de Exalumnos de la Universidad de Puerto Rico Recinto de Rio Piedras
Alumni Association
San Juan PR FIA Card Services, N.A.
Same Yes 3,350 $40,457 2
Associated Alumni of Adams State College
Alumni Association
Alamosa CO FIA Card Services, N.A.
Same Yes 223 $1,898 0
Association for Computing Machinery
Other New York NY FIA Card Services, N.A.
Amended No 1,883 $0 1
Association of Energy Engineers
Other Atlanta GA FIA Card Services, N.A.
Amended No 285 $3,566 0
Association of Former Students of Texas AM University
Alumni Association
College Station TX FIA Card Services, N.A.
Same Yes 29,868 $1,209,702 696
Association of Graduates of the United States Air Force Academy
Alumni Association
Colorado Springs
CO USAA Savings Bank
Same Yes 2,609 $182,896 358
Association of Information Technology Professionals
Other Park Ridge IL FIA Card Services, N.A.
Same Yes 530 $4,108 0
Assumption College University Worcester MA FIA Card Services, N.A.
Same No 119 $2,335 0
Auburn Spirit Foundation Foundation Auburn AL FIA Card Services, N.A.
Same Yes 13,350 $1,019,425 382
Augusta State University Foundation Inc
Foundation Augusta GA FIA Card Services, N.A.
Amended No 182 $1,023 0
Augustana College University Sioux Falls SD FIA Card Services, N.A.
Same No 401 $2,822 0
Austin Peay State University National Alumni Association
Alumni Association
Clarksville TN FIA Card Services, N.A.
Amended No 107 $1,378 0
Babson College Alumni Association_Babson College
Alumni Association
Wellesley MA FIA Card Services, N.A.
Amended No 525 $12,311 0
Ball State University Alumni Association
Alumni Association
Muncie IN INTRUST Bank, N.A.
Same Yes 386 $15,848 170
Barnard College University New York NY FIA Card Services, N.A.
Amended No 103 $945 0
27 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Barton College Alumni Association
Wilson NC Capital One, N.A.
New Yes 1 $0 1
Barton College University Wilson NC FIA Card Services, N.A.
Amended No 102 $637 0
Baylor University Alumni Association
Alumni Association
Waco TX U.S. Bank National Association ND
Same Yes 1,884 $30,761 67
Bemidji State University Alumni Association
Alumni Association
Bemidji MN U.S. Bank National Association ND
Same Yes 270 $0 14
Berklee College of Music University Boston MA FIA Card Services, N.A.
Same Yes 583 $8,698 0
Beta Alpha Psi Other Durham NC FIA Card Services, N.A.
Amended No 579 $5,532 0
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 Services, N.A.
Same Yes 1,917 $37,285 34
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 Services, N.A.
Amended No 263 $0 1
Bethel College Alumni Association
Alumni Association
North Newton KS INTRUST Bank, N.A.
Same Yes 526 $11,515 6
Binghamton University Alumni Association
Alumni Association
Binghamton NY Capital One, N.A.
New Yes 20 $0 20
BITSAA International Inc Alumni Association
Sunnyvale CA Capital One, N.A.
Same Yes 33 $808 2
Bloomsburg University of Pennsylvania
University Bloomsburg PA Pennsylvania State Employees Credit Union
Same Yes 642 $35 7
Board of Regents of the University of Oklahoma
University Norman OK FIA Card Services, N.A.
Same Yes 1,301 $1,000,000 11
Boise State University Alumni Association Inc
Alumni Association
Boise ID FIA Card Services, N.A.
Same Yes 874 $70,525 13
Boston College University Chestnut Hill MA GE Capital Retail Bank
Active Yes 494 $1,100,000 65
Boston University Alumni Association
Alumni Association
Boston MA Capital One, N.A.
New Yes 0 $0 0
Boston University Alumni Association
Alumni Association
Boston MA U.S. Bank National Association ND
Terminated 1/12
No 0 $0 0
Bowling Green State University Alumni Association Inc
Alumni Association
Bowling Green OH FIA Card Services, N.A.
Same Yes 1,756 $80,000 5
Bradley University University Peoria IL FIA Card Services, N.A.
Amended No 1,421 $26,783 1
Brandeis University University Waltham MA FIA Card Services, N.A.
Same Yes 1,496 $0 8
Bridgewater State College Alumni Association
Alumni Association
Bridgewater MA U.S. Bank National Association ND
Same Yes 555 $0 36
Brookdate Community College Alumni Association
Alumni Association
Lincroft NJ UMB Bank, N.A. Same No
Brooklyn College Alumni Association
Alumni Association
Brooklyn NY FIA Card Services, N.A.
Amended No 1,051 $3,373 0
28 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Brown Alumni Association
Alumni Association
Providence RI FIA Card Services, N.A.
Same Yes 7,357 $350,000 2,151
Bryant College University Smithfield RI FIA Card Services, N.A.
Same Yes 462 $8,463 1
Bryn Mawr College Alumnae Association
Alumni Association
Bryn Mawr PA FIA Card Services, N.A.
Amended No 377 $2,814 0
Bucknell University Alumni Association
Alumni Association
Lewisburg PA FIA Card Services, N.A.
Same No 1,304 $0 0
Buffalo State Alumni Association
Alumni Association
Buffalo NY FIA Card Services, N.A.
Same Yes 437 $3,600 0
Butler Community College Foundation
Foundation El Dorado KS INTRUST Bank, N.A.
Same Yes 456 $17,900 35
Butler University University Indianapolis IN FIA Card Services, N.A.
Same No 262 $2,522 0
Butte College Foundation
Foundation Oroville CA U.S. Bank National Association ND
Terminated 12/12
No 502 $1,850 53
Cabrini College University Radnor PA FIA Card Services, N.A.
Same No 162 $446 0
California Aggie Alumni Association
Alumni Association
Davis CA FIA Card Services, N.A.
Same Yes 340 $75,000 7
California Alumni Association
Alumni Association
Berkeley CA FIA Card Services, N.A.
Same Yes 17,516 $1,353,450 1,179
California Polytechnic State University Alumni Association
Alumni Association
San Luis Obispo
CA Capital One, N.A.
Same Yes 15 $0 15
California Southern University
University Irvine CA Pen Air Federal Credit Union
New Yes 0 $0 0
California State University Northridge Alumni Association
Alumni Association
Northridge CA Capital One, N.A.
Same Yes 645 $18,520 203
California State University Stanislaus
University Turlock CA FIA Card Services, N.A.
Amended No 47 $255 0
California University of Pennsylvania
University California PA Pennsylvania State Employees Credit Union
Same Yes 264 $30 6
California Veterinary Medical Association
Other Sacramento CA FIA Card Services, N.A.
Amended No 359 $5,551 0
Campbellsville University
University Campbellsville KY FIA Card Services, N.A.
Same No 183 $1,923 0
Centenary College of Louisiana
University Shreveport LA FIA Card Services, N.A.
Amended Yes 188 $1,994 0
Central Connecticut State University Alumni Association Inc
Alumni Association
New Britain CT FIA Card Services, N.A.
Amended No 1,031 $8,575 0
Central Michigan University
University Mount Pleasant MI FIA Card Services, N.A.
Same Yes 395 $150,000 3
Central VA LSU Alumni Alumni Association
Midlothian VA Capital One, N.A.
Same Yes 1 $0 0
Central Washington University Alumni Association
Alumni Association
Ellensburg WA FIA Card Services, N.A.
Same Yes 717 $8,644 0
Chapman University University Orange CA FIA Card Services, N.A.
Same Yes 1,085 $13,725 3
Cheyney University of Pennsylvania
University Cheyney PA Pennsylvania State Employees Credit Union
Same Yes 26 $0 0
Chi O Creations Other Memphis TN FIA Card Services, N.A.
Amended No 2,162 $34,995 17
Chi Phi Fraternity Inc Other Suwanee GA FIA Card Amended No 165 $1,802 0
29 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Services, N.A.
Christopher Newport University
Foundation Newport News VA FIA Card Services, N.A.
Amended No 184 $1,208 0
Clarion University Foundation Inc
Foundation Clarion PA FIA Card Services, N.A.
Amended No 143 $0 0
Clarion University Foundation, Inc.
Foundation Clarion PA Pennsylvania State Employees Credit Union
Same Yes 60 $0 0
Clarkson University University Potsdam NY FIA Card Services, N.A.
Amended No 485 $10,306 0
Clayton State Alumni Association
Alumni Association
Morrow GA UMB Bank, N.A. Same Yes 9 $0 4
Clemson University Inc Alumni Association
Clemson SC FIA Card Services, N.A.
Amended Yes 11,163 $370,104 120
Coastal Carolina University
University Conway SC Carolina Trust FCU
Same Yes 96 $735 32
Coe College University Cedar Rapids IA FIA Card Services, N.A.
Amended No 103 $1,468 0
Colegio de Farmaceuticos de Puerto Rico
University San Juan PR FIA Card Services, N.A.
Amended No 276 $5,241 4
College of Charleston Alumni Association
Alumni Association
Charleston SC FIA Card Services, N.A.
Same Yes 996 $16,851 4
College of Notre Dame of Maryland
University Baltimore MD FIA Card Services, N.A.
Same Yes 345 $6,940 0
College of Saint Rose University Albany NY FIA Card Services, N.A.
Amended No 278 $3,243 0
College of Saint Scholastica
University Duluth MN FIA Card Services, N.A.
Same No 312 $1,296 0
College of Staten Island Alumni Association
Alumni Association
Staten Island NY FIA Card Services, N.A.
Same Yes 432 $6,202 1
College of West Africa Alumni Association USA
Alumni Association
Bowie MD UMB Bank, N.A. Same Yes 21 $4 1
Colorado College University Colorado Springs
CO FIA Card Services, N.A.
Amended No 335 $3,690 0
Colorado School of Mines Alumni Association
Alumni Association
Golden CO FIA Card Services, N.A.
Same Yes 473 $13,902 1
Colorado State University Alumni Association
Alumni Association
Fort Collins CO U.S. Bank National Association ND
Same Yes 1,949 $0 107
Cooper Union for the Advancement of Science and Art
University New York City NY FIA Card Services, N.A.
Amended No 501 $6,089 0
Cornell Alumni Federation
Alumni Association
Ithaca NY Chase Bank USA, N.A.
Same Yes 7,417 $900,000 5
Crimson Tide Sports Marketing, LLC
Other Tuscaloosa AL Compass Bank Amended No 0 $230,000 0
Del Mar College Foundation/Alumni Association
Alumni Association
Corpus Christi TX Capital One, N.A.
New Yes 2 $0 2
Delaware State University Alumni Association
Alumni Association
Dover DE FIA Card Services, N.A.
Amended No 182 $2,298 1
Delaware Technical & Community College Educational
University Dover DE UMB Bank, N.A. New Yes 3 $0 2
30 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Delta Chi Fraternity Inc Other Iowa City IA FIA Card Services, N.A.
Amended No 620 $4,652 6
Delta Delta Delta Other Arlington TX U.S. Bank National Association ND
Same Yes 886 $13,251 62
Delta Iota House Corp. Other Denver CO Capital One, N.A.
New Yes 5 $313 0
Delta Kappa Gamma Society International
Other Austin TX FIA Card Services, N.A.
Amended No 197 $2,133 3
Delta Phi Epsilon Sorority
Other Maryland Heights
MO FIA Card Services, N.A.
Same No 317 $1,220 3
Delta Sigma Delta Other Nekoosa WI FIA Card Services, N.A.
Amended No 119 $5,141 0
Delta Sigma Phi Fraternity
Other Indianapolis IN FIA Card Services, N.A.
Same Yes 510 $15,000 0
Delta Sigma Pi Other Oxford OH U.S. Bank National Association ND
Same Yes 713 $0 86
Delta State University Alumni Association Inc
University Cleveland MS FIA Card Services, N.A.
Same Yes 609 $13,479 2
Delta Upsilon International Fraternity
Other Indianapolis IN FIA Card Services, N.A.
Amended No 354 $3,593 0
Delta Zeta Sorority Other Oxford OH FIA Card Services, N.A.
Same Yes 1,507 $16,517 5
DePaul University University Chicago IL FIA Card Services, N.A.
Same Yes 394 $75,000 7
Dickinson College University Carlisle PA FIA Card Services, N.A.
Amended No 434 $10,445 0
Dominican University University River Forest IL FIA Card Services, N.A.
Same No 215 $2,530 0
Drexel University University Philadelphia PA U.S. Bank National Association ND
Terminated 10/12
No 1,543 $0 105
Duke University Alumni Association
Alumni Association
Durham NC Capital One, N.A.
Same Yes 555 $294,537 196
Duquesne University Alumni Association
Alumni Association
Pittsburgh PA U.S. Bank National Association ND
Same Yes 1,143 $0 47
East Carolina University Alumni Association Inc
Alumni Association
Greenville NC FIA Card Services, N.A.
Same Yes 2,439 $100,000 147
East Stroudsburg University Foundation, Inc.
Foundation East Stroudsburg
PA Capital One, N.A.
Same Yes 12 $436 4
East Stroudsburg University of Pennsylvania
University East Stroudsburg
PA Pennsylvania State Employees Credit Union
Same Yes 391 $45 9
Eastern Illinois University Alumni Association Inc
Alumni Association
Charleston IL FIA Card Services, N.A.
Amended No 3,099 $0 0
Eastern New Mexico University Alumni Association Inc
Alumni Association
Portales NM FIA Card Services, N.A.
Same No 550 $1,876 0
Eastern Washington University Alumni Association
Alumni Association
Cheney WA FIA Card Services, N.A.
Same Yes 759 $12,172 0
ECSU Foundation Foundation Elizabeth City NC UMB Bank, N.A. New Yes 19 $0 3
Edinboro University of Pennsylvania Alumni Association
Alumni Association
Edinboro PA FIA Card Services, N.A.
Same Yes 1,113 $9,099 1
31 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Elizabethtown College University Elizabethtown PA FIA Card Services, N.A.
Same Yes 424 $4,812 0
Elizabethtown College University Elizabethtown PA Pennsylvania State Employees Credit Union
Same Yes 44 $30 6
Elon College University Elon College NC FIA Card Services, N.A.
Amended No 258 $1,664 0
Emory University University Atlanta GA FIA Card Services, N.A.
Same Yes 2,427 $43,557 5
Emporia State University Alumni Association
Alumni Association
Emporia KS INTRUST Bank, N.A.
Same Yes 906 $17,210 37
Erskine College Alumni Association
Alumni Association
Due West SC Capital One, N.A.
Same Yes 7 $373 1
Fairfield University University Fairfield CT FIA Card Services, N.A.
Same No 816 $6,526 0
Ferris State University University Big Rapids MI FIA Card Services, N.A.
Same Yes 124 $1,184 2
FFA Alumni Association Alumni Association
Alexandria VA FIA Card Services, N.A.
Same Yes 361 $6,163 0
Florida Atlantic University Foundation Inc
Foundation Boca Raton FL FIA Card Services, N.A.
Same Yes 2,887 $120,000 4
Florida Brass Drum & Bugle
Other Pompano Beach
FL UMB Bank, N.A. New yes 17 $0 5
Florida Institute of Technology Alumni Association
Alumni Association
Melbourne FL U.S. Bank National Association ND
Same Yes 348 $0 34
Florida International University Alumni Association
Foundation Miami FL FIA Card Services, N.A.
Same Yes 6,185 $315,000 85
Fordham University University Bronx NY FIA Card Services, N.A.
Same Yes 6,475 $286,050 10
Fort Hays State University Alumni Association
Alumni Association
Hays KS INTRUST Bank, N.A.
Amended Yes 755 $15,000 68
Foundation at New Jersey Institute of Technology
Foundation Newark NJ FIA Card Services, N.A.
Same Yes 56 $530 1
Foundation Chapter of Theta Chi Fraternity Inc
Foundation Indianapolis IN FIA Card Services, N.A.
Same Yes 465 $7,729 0
Franklin Marshall Alumni Association
Alumni Association
Lancaster PA FIA Card Services, N.A.
Same Yes 386 $464 0
Franklin Pierce College University Rindge NH FIA Card Services, N.A.
Same No 220 $2,186 0
Gamma Phi Beta International Sorority Inc
Other Englewood CO FIA Card Services, N.A.
Same Yes 859 $40,000 16
General Alumni Assoc of Univ of N Carolina at Chapel Hill
Alumni Association
Chapel Hill NC FIA Card Services, N.A.
Same Yes 16,450 $1,250,000 421
Geneva College University Beaver Falls PA FIA Card Services, N.A.
Same No 578 $4,801 0
Georgetown University Alumni Association
Alumni Association
Washington DC FIA Card Services, N.A.
Same Yes 7,993 $800,000 264
Georgia Southern University Foundation Inc
Foundation Statesboro GA FIA Card Services, N.A.
Same Yes 2,570 $100,000 76
Georgia Southwestern Foundation Inc
Foundation Americus GA FIA Card Services, N.A.
Same Yes 71 $481 0
32 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Georgia State University Alumni Association Inc
Alumni Association
Atlanta GA FIA Card Services, N.A.
Same Yes 2,415 $75,000 216
Georgia Tech Alumni Association
Alumni Association
Atlanta GA Capital One, N.A.
Same Yes 947 $381,625 313
Gettysburg College University Gettysburg PA FIA Card Services, N.A.
Same Yes 304 $4,894 0
GIA Alumni Association Alumni Association
Santa Monica CA FIA Card Services, N.A.
Same Yes 1,119 $9,389 1
Golden Key International Honour Society
Other Atlanta GA FIA Card Services, N.A.
Same Yes 30,560 $898,924 561
Goldey Beacom College University Wilmington DE FIA Card Services, N.A.
Same No 196 $952 0
Grand Valley State University
University Allendale MI FIA Card Services, N.A.
Amended Yes 826 $10,911 5
Green Mountain College University Poultney VT FIA Card Services, N.A.
Same No 103 $478 0
Gustavus Adolphus College
University Saint Peter MN FIA Card Services, N.A.
Amended No 495 $8,505 0
Hampden Sydney College
University Hampden Sydney
VA FIA Card Services, N.A.
Amended No 261 $3,961 0
Harding University Inc University Searcy AR FIA Card Services, N.A.
Amended No 1,176 $23,590 3
Harrisburg Area Community College
University Harrisburg PA Pennsylvania State Employees Credit Union
Same Yes 88 $45 9
Harvard Alumni Association
Alumni Association
Cambridge MA Barclays Bank Delaware
Amended No 8,300 $1,000,000 300
Henderson State University
University Arkadelphia AR FIA Card Services, N.A.
Same Yes 334 $5,598 1
Herbert H Lehman College Foundation Inc
Foundation Bronx NY FIA Card Services, N.A.
Same No 233 $2,240 0
Hood College University Frederick MD FIA Card Services, N.A.
Amended No 224 $2,685 0
Houston Baptist University
University Houston TX FIA Card Services, N.A.
Amended No 240 $1,869 0
Howard Payne University Alumni Association
Alumni Association
Brownwood TX FIA Card Services, N.A.
Same Yes 225 $2,536 0
Howard University Department of Alumni Relations
Alumni Association
Washington DC FIA Card Services, N.A.
Same Yes 1,070 $24,201 5
Illinois State University Foundation
Foundation Normal IL FIA Card Services, N.A.
Amended No 5,463 $0 149
Immaculata College University Immaculata PA FIA Card Services, N.A.
Same No 152 $844 0
Indiana State University University Terre Haute IN FIA Card Services, N.A.
Same Yes 2,013 $22,147 2
Indiana University Alumni Association
Alumni Association
Bloomington IN FIA Card Services, N.A.
Amended Yes 23,370 $375,699 699
Indiana University of Pennsylvania Alumni Association
Alumni Association
Indiana PA Capital One, N.A.
New Yes 0 $0 0
Indiana University of Pennsylvania Alumni Association
Alumni Association
Indiana PA FIA Card Services, N.A.
Amended No 3,044 $267 1
Institute of Industrial Engineers
Other Norcross GA FIA Card Services, N.A.
Same Yes 1,444 $30,177 0
Institute of Management Accountants
Other Montvale NJ FIA Card Services, N.A.
Same Yes 3,997 $175,000 58
International Other Arlington VA FIA Card Same Yes 782 $11,400 0
33 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Chiropractors Association
Services, N.A.
International Legal Fraternity of Phi Delta Phi
Other Washington DC FIA Card Services, N.A.
Same No 298 $10,945 0
International Management Company (IMG)
Other Tucson AZ Compass Bank Amended No 4 $0 2
Iona College University New Rochelle NY FIA Card Services, N.A.
Same No 975 $16,910 0
Iowa State University Alumni Association
Alumni Association
Ames IA FIA Card Services, N.A.
Amended Yes 12,621 $65,520 382
Jacksonville State University Alumni Association
Alumni Association
Jacksonville AL U.S. Bank National Association ND
Same Yes 2,338 $4,117 30
James Madison University Alumni Association
Alumni Association
Harrisonburg VA Capital One, N.A.
New Yes 0 $0 0
Javelina Alumni Association
Alumni Association
Kingsville TX FIA Card Services, N.A.
Same Yes 246 $3,409 0
JMUAA Alumni Association
Alumni Association
Harrisonburg VA FIA Card Services, N.A.
Amended No 491 $0 0
Johns Hopkins University
University Baltimore MD FIA Card Services, N.A.
Same Yes 5,632 $193,751 60
Kansas State University Alumni Association
Alumni Association
Manhattan KS INTRUST Bank, N.A.
Same Yes 12,348 $823,240 313
Kappa Alpha Psi Other Philadelphia PA FIA Card Services, N.A.
Amended No 591 $8,207 0
Kappa Delta Pi An International Honor Society in Education
Other Indianapolis IN FIA Card Services, N.A.
Amended No 1,241 $15,358 1
Kappa Delta Rho Fraternity
Other Greensburg PA FIA Card Services, N.A.
Amended No 155 $1,760 0
Kappa Psi Pharmaceutical Fraternity
Other Oklahoma City OK FIA Card Services, N.A.
Same Yes 56 $669 1
Kent State University University Kent OH FIA Card Services, N.A.
Amended No 4,106 $135,000 6
Keystone College Alumni Association
Alumni Association
La Plume PA Capital One, N.A.
Same Yes 1 $0 0
Keystone College Parents
Foundation La Plume PA Capital One, N.A.
Same Yes 15 $547 3
Kutztown University Alumni Association
Alumni Association
Kutztown PA FIA Card Services, N.A.
Same No 812 $11,820 3
Kutztown University Foundation Inc.
Foundation Kutztown PA Pennsylvania State Employees Credit Union
New Yes 0 $0 0
Kutztown University of Pennsylvania
University Kutztown PA Pennsylvania State Employees Credit Union
Same Yes 74 $45 9
La Sierra University, La Sierra Alumni Association
Alumni Association
Riverside CA FIA Card Services, N.A.
Same Yes 20 $276 0
Lafayette College Alumni Association
Alumni Association
Easton PA FIA Card Services, N.A.
Amended No 500 $0 1
Lake Sumter Community College Foundation, Inc.
Foundation Leesburg FL Capital One, N.A.
Same Yes 2 $82 1
Lambda Chi Alpha Other Indianapolis IN FIA Card Same Yes 609 $25,000 0
34 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Fraternity Inc Services, N.A.
Lambda Phi Epsilon National Fraternity, Inc.
Other New Brunswick NJ Capital One, N.A.
New Yes 9 $402 2
Lambda Sigma Upsilon Latino Fraternity
Other Hoboken NJ UMB Bank, N.A. New yes 88 $2 8
Lambda Theta Nu Sorority, Inc.
Other San Diego CA Capital One, N.A.
New Yes 24 $1,727 7
Lambda Theta Phi Other Parsippany NJ UMB Bank, N.A. New yes 112 $1 20
LaSalle University Alumni Association
Alumni Association
Philadelphia PA FIA Card Services, N.A.
Same Yes 1,462 $21,803 4
Le Moyne College University Syracuse NY FIA Card Services, N.A.
Same No 430 $2,878 0
Lenoir Rhyne College Alumni Association
Alumni Association
Hickory NC FIA Card Services, N.A.
Amended No 140 $803 0
Letourneau University University Longview TX FIA Card Services, N.A.
Same No 217 $2,325 0
Liberty University University Lynchburg VA U.S. Bank National Association ND
Same Yes 1,098 $9,065 69
Lock Haven University Alumni Association
Alumni Association
Lock Haven PA Capital One, N.A.
Same Yes 6 $92 2
Lock Haven University of Pennsylvania
University Lock Haven PA Pennsylvania State Employees Credit Union
Same Yes 54 $10 2
Longwood University Alumni Association
Alumni Association
Farmville VA FIA Card Services, N.A.
Same Yes 381 $5,325 1
Louisiana State University Medical Center Foundation
Foundation New Orleans LA FIA Card Services, N.A.
Same No 154 $1,608 0
Louisiana Tech University Foundation
Foundation Ruston LA FIA Card Services, N.A.
Same No 1,695 $0 3
Loyola College in Maryland
University Baltimore MD FIA Card Services, N.A.
Same Yes 1,780 $75,225 2
Loyola University New Orleans
University New Orleans LA FIA Card Services, N.A.
Same Yes 1,225 $22,928 0
LSU Alumni Association Alumni Association
Baton Rouge LA FIA Card Services, N.A.
Same Yes 7,182 $253,847 223
Luther College University Decorah IA FIA Card Services, N.A.
Amended No 407 $8,220 0
Manhattan College University Riverdale NY FIA Card Services, N.A.
Same Yes 943 $15,804 1
Manhattanville College University Purchase NY FIA Card Services, N.A.
Same No 200 $1,887 8
Mansfield University of Pennsylvania
University Mansfield PA Pennsylvania State Employees Credit Union
Same Yes 87 $25 5
Marshall University Alumni Association
Alumni Association
Huntington WV FIA Card Services, N.A.
Amended No 2,066 $0 0
Martin Luther College Alumni Association
Alumni Association
New Ulm MN UMB Bank, N.A. Same Yes 642 $13 70
Marymount University University Arlington VA FIA Card Services, N.A.
Amended No 93 $686 0
Massachusetts Medical Society
Other Waltham MA FIA Card Services, N.A.
Same Yes 913 $47,808 0
Mercyhurst College University Erie PA FIA Card Services, N.A.
Same No 300 $1,577 0
Michigan State University
University East Lansing MI Michigan State University Federal Credit
Same Yes 2,319 $400,000 1,286
35 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Union
Michigan Technological University
University Houghton MI FIA Card Services, N.A.
Same Yes 1,929 $50,000 3
Millersville University Alumni Association
Alumni Association
Millersville PA Pennsylvania State Employees Credit Union
New Yes 214 $7,980 214
Millersville University Alumni Association
Alumni Association
Millersville PA U.S. Bank National Association ND
Terminated 1/12
No 0 $0 0
Millersville University of Pennsylvania
University Millersville PA Pennsylvania State Employees Credit Union
Same Yes 299 $40 8
Miner Alumni Association (MO University of S&T)
Alumni Association
Rolla MO U.S. Bank National Association ND
Same Yes 430 $0 44
Minnesota State University Moorhead Alumni Association
Alumni Association
Moorhead MN U.S. Bank National Association ND
Terminated 6/12
No 317 $0 6
Mississippi State University Alumni Association
Alumni Association
Mississippi State
MS FIA Card Services, N.A.
Amended Yes 6,133 $350,000 194
Missouri State University Foundation
Foundation Springfield MO FIA Card Services, N.A.
Same Yes 2,533 $31,831 112
MIT Alumni Association Alumni Association
Cambridge MA MIT Credit Union New Yes 175 $20,000 50
Monmouth College University Monmouth IL FIA Card Services, N.A.
Amended No 224 $1,398 0
Monmouth University University West Long Branch
NJ FIA Card Services, N.A.
Amended No 561 $2,813 0
Montana State University Alumni Association
Alumni Association
Bozeman MT FIA Card Services, N.A.
Same Yes 3,735 $125,075 3
Montclair State University Alumni Association
Alumni Association
Upper Montclair NJ FIA Card Services, N.A.
Amended No 2,745 $0 0
Morehouse School of Medicine National Alumni Association
Alumni Association
Atlanta GA Capital One, N.A.
Same Yes 1 $64 0
Morgan State University National Alumni Association
Alumni Association
Baltimore MD FIA Card Services, N.A.
Same No 317 $2,383 0
Morrisville College Foundation
Alumni Association
Morrisville NY FIA Card Services, N.A.
Amended No 227 $1,311 0
Mount Saint Marys College
University Los Angeles CA FIA Card Services, N.A.
Same Yes 283 $1,780 0
Mount Saint Marys College Maryland
University Emmitsburg MD FIA Card Services, N.A.
Same Yes 519 $12,093 1
Mountain State University Alumni Association
Alumni Association
Beckley WV UMB Bank, N.A. Same Yes 40 $0 8
Murray State University Alumni Association
Alumni Association
Murray KY U.S. Bank National Association ND
Terminated 12/12
No 680 $0 20
NACE International Other Houston TX FIA Card Services, N.A.
Amended No 323 $3,281 0
National Alumnae Association of Spelman College Inc
Alumni Association
Atlanta GA FIA Card Services, N.A.
Same No 325 $3,965 0
36 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
National Alumni Association of the University of Alabama
Alumni Association
Tuscaloosa AL FIA Card Services, N.A.
Same Yes 12,329 $961,750 248
National Association of School Psychologists
Other Bethesda MD FIA Card Services, N.A.
Same No 999 $6,700 0
National Athletic Trainers Association
Other Dallas TX FIA Card Services, N.A.
Same No 1,102 $8,087 0
National Lawyers Guild Other New York NY FIA Card Services, N.A.
Amended No 405 $5,244 0
National Louis University University Evanston IL FIA Card Services, N.A.
Same Yes 619 $6,715 0
National Science Teachers Association
Other Arlington VA FIA Card Services, N.A.
Amended No 1,080 $0 0
National Society of Black Engineers
Other Alexandria VA FIA Card Services, N.A.
Same No 407 $3,179 0
National Society of Collegiate Scholars
Other Washington DC FIA Card Services, N.A.
Amended No 3,839 $52,714 5
National Student Speech Language Hearing Association
Other Rockville MD FIA Card Services, N.A.
Same No 0 $0 0
National University University La Jolla CA FIA Card Services, N.A.
Amended No 825 $12,434 0
NCPA Foundation Foundation Alexandria VA FIA Card Services, N.A.
Same Yes 535 $15,828 0
New England Institute of Technology
Alumni Association
Warwick RI Capital One, N.A.
Same Yes 0 $0 0
New Mexico Highlands University Alumni Association
Alumni Association
Las Vegas NM FIA Card Services, N.A.
Same Yes 172 $1,646 0
New Mexico Military Institute
Alumni Association
Roswell NM FIA Card Services, N.A.
Amended No 235 $2,484 2
New Mexico State University Alumni Association
Alumni Association
Las Cruces NM FIA Card Services, N.A.
Same Yes 2,440 $37,512 4
New York Film Academy University New York NY UMB Bank, N.A. New yes 24 $0 10
New York University Alumni Association
Alumni Association
New York NY FIA Card Services, N.A.
Amended Yes 9,067 $300,000 286
New York Women in Communications Foundation
Foundation New York NY UMB Bank, N.A. New yes 27 $0 5
Niagara University University Niagara NY FIA Card Services, N.A.
Same Yes 444 $6,260 0
North Carolina Central University Alumni Association
Alumni Association
Durham NC FIA Card Services, N.A.
Same No 197 $932 0
North Carolina State University Alumni Association
Alumni Association
Raleigh NC Chase Bank USA, N.A.
Same Yes 6,235 $0 0
North Dakota State University Alumni Association
Alumni Association
Fargo ND FIA Card Services, N.A.
Same Yes 316 $38,000 4
North Texas Exes Alumni Association
Denton TX FIA Card Services, N.A.
Amended No 5,090 $0 1
Northeast Louisiana University Alumni Association
Alumni Association
Monroe LA FIA Card Services, N.A.
Amended No 841 $0 0
Northeast Triskelion, Inc Other New York NY Capital One, N.A.
New Yes 12 $347 3
Northeastern Illinois University Foundation
University Chicago IL FIA Card Services, N.A.
Amended No 80 $0 0
37 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Northeastern State University Foundation Inc
Foundation Tahlequah OK FIA Card Services, N.A.
Same Yes 439 $6,642 0
Northeastern University University Boston MA FIA Card Services, N.A.
Same Yes 3,231 $65,000 407
Northern Arizona University Alumni Association
Alumni Association
Flagstaff AZ Capital One, N.A.
Same Yes 411 $13,153 247
Northern Illinois University Alumni Association
Alumni Association
DeKalb IL FIA Card Services, N.A.
Same Yes 973 $204,074 8
Northern Kentucky University Foundation
Foundation Highland Heights
KY U.S. Bank National Association ND
Same Yes 328 $0 20
Northwest College Foundation
Foundation Powell WY UMB Bank, N.A. New yes 324 $1 15
Northwest Missouri State University Alumni Association
Alumni Association
Maryville MO U.S. Bank National Association ND
Same Yes 344 $0 21
Northwestern State University Alumni Association
Alumni Association
Natchitoches LA FIA Card Services, N.A.
Same Yes 403 $8,296 0
Northwestern University University Evanston IL GE Capital Retail Bank
Active Yes 325 $428,572 70
Norwich University Alumni Association
Alumni Association
Northfield VT USAA Savings Bank
New Yes 147 $1,251 156
Oakland University University Oakland MI Michigan State University Federal Credit Union
Same Yes 382 $35,000 75
Ohio Northern University Alumni Association
Alumni Association
Ada OH U.S. Bank National Association ND
Same Yes 343 $0 20
Oklahoma State University Alumni Association
Alumni Association
Stillwater OK Chase Bank USA, N.A.
Same Yes 5,074 $600,000 0
Old Dominion University Alumni Association
Alumni Association
Norfolk VA Capital One, N.A.
Same Yes 327 $13,217 71
Ole Miss Alumni Association
Alumni Association
Oxford MS Capital One, N.A.
Same Yes 430 $50,000 367
Omicron Delta Kappa Other Lexington VA FIA Card Services, N.A.
Amended Yes 1,224 $19,319 0
Oregon State University Alumni Association
Alumni Association
Corvallis OR Oregon Community Credit Union and OCCU Card Services, LLC
New Yes 204 $300,000 204
Oregon State University Alumni Association, Inc.
Alumni Association
Corvallis OR Chase Bank USA, N.A.
Same Yes 2,663 $0 0
Oswego Alumni Association
Alumni Association
Oswego NY FIA Card Services, N.A.
Same Yes 1,274 $14,659 0
Otterbein College University Westerville OH FIA Card Services, N.A.
Same Yes 457 $8,602 0
Pace University University New York NY FIA Card Services, N.A.
Amended No 1,371 $19,666 1
Park University University Kansas City MO UMB Bank, N.A. New Yes 0 $2 2
Penn State Alumni Association
Alumni Association
University Park PA FIA Card Services, N.A.
Amended Yes 60,490 $2,742,743 1,394
38 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Pennsylvania Pharmacists Association
Other Harrisburg PA FIA Card Services, N.A.
Amended No 196 $2,365 0
Pepperdine University Alumni Association
Alumni Association
Malibu CA U.S. Bank National Association ND
Same Yes 684 $0 90
Phi Alpha Delta Law Fraternity International
Other Baltimore MD FIA Card Services, N.A.
Amended No 1,101 $0 1
Phi Delta Kappa International
Other Bloomington IN FIA Card Services, N.A.
Same Yes 768 $7,238 0
Phi Delta Theta Fraternity
Other Oxford OH FIA Card Services, N.A.
Same Yes 733 $45,000 14
Phi Eta Sigma Other Bowling Green KY FIA Card Services, N.A.
Amended No 1,009 $31,171 0
Phi Kappa Phi Other Baton Rouge LA FIA Card Services, N.A.
Same Yes 6,168 $74,747 28
Phi Kappa Psi Other Indianapolis IN FIA Card Services, N.A.
Amended No 372 $5,562 0
Phi Kappa Sigma Intl. Fraternity
Other Chester Springs
PA UMB Bank, N.A. New yes 266 $1 10
Phi Kappa Tau Fraternity
Other Oxford OH FIA Card Services, N.A.
Same Yes 383 $17,500 2
Phi Lota Alpha Fraternity, Inc.
Other Brooklyn NY UMB Bank, N.A. New yes 215 $4 23
Phi Mu Alpha Sinfonia Fraternity of America Inc
Other Evansville IN FIA Card Services, N.A.
Amended No 375 $4,678 1
Phi Mu Fraternity Other Tucker GA FIA Card Services, N.A.
Amended No 1,518 $0 23
Phi Rho Eta Fraternity, Inc.
Other Chicago IL UMB Bank, N.A. New yes 27 $0 1
Phi Sigma Sigma Foundation
Foundation Elkridge MD FIA Card Services, N.A.
Same Yes 497 $5,013 0
Phi Theta Kappa International Honor Society
Other Jackson MS FIA Card Services, N.A.
Same Yes 13,330 $156,244 90
Pi Beta Phi Fraternity Inc Other Town & Country
MO FIA Card Services, N.A.
Amended No 1,232 $100,000 3
Pi Kappa Alpha Corporation
Other Memphis TN FIA Card Services, N.A.
Same No 968 $0 10
Pi Lambda Phi Other Danbury CT FIA Card Services, N.A.
Same Yes 123 $2,009 0
Pi Sigma Epsilon Inc Other Hartland WI FIA Card Services, N.A.
Same Yes 160 $2,260 2
Polytechnic Institute Alumni Association
Alumni Association
Brooklyn NY UMB Bank, N.A. Same Yes 295 $4 25
Prairie View A&M University - National Alumni Association
Alumni Association
Prairie View TX Capital One, N.A.
Same Yes 11 $1,027 4
Princeton University Alumni Association
Alumni Association
Princeton NJ Capital One, N.A.
New Yes 0 $0 0
Project Management Institute
Other Newton Square PA UMB Bank, N.A. New yes 306 $0 52
Providence College Alumni Association
Alumni Association
Providence RI FIA Card Services, N.A.
Amended No 1,749 $80,000 0
Purdue Alumni Association
Alumni Association
West Lafayette IN Purdue Federal Credit Union
Same Yes 22,567 $1,000,000 3,126
Rensselaer Polytechnic Institute Alumni Association
Alumni Association
Troy NY U.S. Bank National Association ND
Same Yes 792 $8,133 78
Rhode Island College Alumni Association
Alumni Association
Providence RI U.S. Bank National
Same Yes 667 $0 32
39 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Association ND
Rhode Island School of Design
University Providence RI FIA Card Services, N.A.
Same No 843 $7,474 0
Rider University University Lawrenceville NJ FIA Card Services, N.A.
Amended No 553 $3,474 0
Robert Morris College Alumni Association
Alumni Association
Coraopolis PA FIA Card Services, N.A.
Same Yes 377 $5,855 0
Rockhurst University University Kansas City MO FIA Card Services, N.A.
Same Yes 401 $3,059 1
Rollins College Alumni Association
Alumni Association
Winter Park FL FIA Card Services, N.A.
Same Yes 546 $11,865 0
Rose Hulman Institute of Technology
University Terre Haute IN FIA Card Services, N.A.
Same Yes 186 $1,764 0
Rowan University Alumni Association and Rowan University Foundation
Alumni Association and Foundation
Glassboro NJ FIA Card Services, N.A.
Same Yes 1,388 $15,364 1
Russell Sage College Alumnae Association
Alumni Association
Troy NY FIA Card Services, N.A.
Same No 309 $2,068 0
Rutgers University Alumni Federation and Rutgers, the State University of New Jersey
University and Alumni Association
New Brunswick NJ U.S. Bank National Association ND
Same Yes 5,156 $0 363
Saint Cloud State University Alumni Association
Alumni Association
Saint Cloud MN FIA Card Services, N.A.
Same Yes 1,608 $3,092 1
Saint Josephs College University Rensselaer IN FIA Card Services, N.A.
Amended No 290 $2,011 0
Saint Josephs College Alumni Association
Alumni Association
Brooklyn NY Capital One, N.A.
New Yes 17 $710 18
Saint Louis University University St. Louis MO FIA Card Services, N.A.
Same Yes 2,847 $53,879 1
Saint Marys College of California
Alumni Association
Moranga CA Capital One, N.A.
Same Yes 14 $393 5
Saint Peter's College Alumni Association
Alumni Association
Jersey City NJ U.S. Bank National Association ND
Same Yes 301 $0 27
Salisbury University Foundation Inc
Foundation Salisbury MD FIA Card Services, N.A.
Same Yes 730 $12,502 1
Seminole Boosters Inc Other Tallahassee FL FIA Card Services, N.A.
Amended Yes 6,947 $110,909 49
Shippensburg University Foundation Inc
Foundation Shippensburg PA FIA Card Services, N.A.
Same Yes 1,404 $11,288 0
Shippensburg University Student Services, Inc.
Other Shippensburg PA Pennsylvania State Employees Credit Union
Same Yes 47 $35 7
Siena College University Loudonville NY FIA Card Services, N.A.
Amended No 487 $1,000 2
Sigma Alpha Epsilon Fraternity
Other Evanston IL FIA Card Services, N.A.
Same Yes 1,198 $50,000 4
Sigma Alpha Iota International Music Fraternity
Other Asheville NC FIA Card Services, N.A.
Same Yes 612 $8,832 4
Sigma Beta Delta Other St. Louis MO FIA Card Services, N.A.
Same Yes 312 $3,554 1
Sigma Chi Other Evanston IL U.S. Bank National Association ND
Same Yes 1,085 $17,385 102
40 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Sigma Kappa Sorority Other Indianapolis IN FIA Card Services, N.A.
Amended No 865 $0 14
Sigma Nu Fraternity Inc Other Lexington VA FIA Card Services, N.A.
Amended No 192 $1,103 0
Sigma Phi Delta Fraternity
Other Rockford IL Capital One, N.A.
New Yes 12 $1,293 2
Sigma Pi Fraternity International Inc
Other Vincennes IN FIA Card Services, N.A.
Same Yes 694 $25,000 2
Sigma Sigma Sigma Other Woodstock VA FIA Card Services, N.A.
Amended No 636 $0 1
Sigma Tau Gamma Fraternity Inc
Other Warrensburg MO FIA Card Services, N.A.
Amended No 282 $3,271 3
Sigma Theta Tau International Honor Society of Nursing Inc
Other Indianapolis IN FIA Card Services, N.A.
Amended Yes 4,317 $81,987 357
Sigma Xi The Scientific Research Society
Other RTP NC FIA Card Services, N.A.
Same Yes 744 $17,794 5
SIUE Alumni Association Alumni Association
Edwardsville IL FIA Card Services, N.A.
Same Yes 848 $18,483 1
Slippery Rock State University Foundation, Inc.
Foundation Slippery Rock PA U.S. Bank National Association ND
Same Yes 664 $0 30
Society of Nuclear Medicine
Other New York NY FIA Card Services, N.A.
Same Yes 649 $7,930 0
Society of Women Engineers
Other New York NY FIA Card Services, N.A.
Same Yes 888 $8,245 0
South Dakota School of Mines and Technology Foundation
Foundation Rapid City SD FIA Card Services, N.A.
Amended No 218 $1,817 0
South Dakota State University Alumni Association
Alumni Association
Brookings SD U.S. Bank National Association ND
Same Yes 597 $0 30
Southeast Missouri State University
University Cape Girardeau
MO FIA Card Services, N.A.
Same Yes 1,154 $15,329 1
Southeastern Louisiana Alumni Association
Alumni Association
Hammond LA U.S. Bank National Association ND
Terminated 3/12
No 432 $0 5
Southern Illinois University Alumni Association
Alumni Association
Carbondale IL Capital One, N.A.
New Yes 55 $0 55
Southwest Texas State University Alumni Association
Alumni Association
San Marcos TX FIA Card Services, N.A.
Same Yes 2,129 $26,313 1
St Ambrose University University Davenport IA FIA Card Services, N.A.
Same Yes 179 $1,297 0
St Johns University University Collegeville MN FIA Card Services, N.A.
Amended No 583 $11,254 0
St Johns University New York
University Queens NY FIA Card Services, N.A.
Same Yes 7,766 $105,719 15
St Lawrence University University Canton NY FIA Card Services, N.A.
Amended No 562 $9,761 1
St Norbert College University De Pere WI FIA Card Services, N.A.
Amended No 374 $3,252 0
St. Louis College of Pharmacy Alumni Association
Alumni Association
St. Louis MO UMB Bank, N.A. Same Yes 98 $0 3
Stanford Alumni Association
Alumni Association
Stanford CA FIA Card Services, N.A.
Same Yes 14,306 $750,000 305
State University of Iowa Alumni Association
Alumni Association
Iowa City IA FIA Card Services, N.A.
Amended Yes 13,826 $1,027,027 501
41 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
State University of New York Brockport Alumni Association
Alumni Association
Brockport NY FIA Card Services, N.A.
Amended No 594 $0 0
Stephen F Austin Alumni Association
Alumni Association
Nacagdoches TX FIA Card Services, N.A.
Same Yes 159 $45,150 4
Stephens College University Columbia MO FIA Card Services, N.A.
Same No 344 $3,850 0
Stetson University University Deland FL FIA Card Services, N.A.
Same Yes 773 $14,212 0
Stonehill College Inc Alumni Association
Easton MA FIA Card Services, N.A.
Same Yes 341 $8,499 0
SUNY Cortland Alumni Association
Alumni Association
Cortland NY U.S. Bank National Association ND
Same Yes 641 $0 27
SUNY College at Oneonta Alumni Association, Inc.
Alumni Association
Oneonta NY U.S. Bank National Association ND
Same Yes 570 $0 39
SUNY Fredonia Alumni Association
Alumni Association
Fredonia NY FIA Card Services, N.A.
Amended No 629 $6,571 0
SUNYIT Alumni Association
Alumni Association
Utica NY Capital One, N.A.
New Yes 1 $130 1
Syracuse Football Club Alumni Association
Syracuse NY Capital One, N.A.
Same Yes 0 $0 0
Syracuse University University Syracuse NY FIA Card Services, N.A.
Same No 6,617 $122,506 269
Talmudic University University Miami FL Capital One, N.A.
Same Yes 2 $0 0
Tau Kappa Epsilon Fraternity
Other Indianapolis IN FIA Card Services, N.A.
Same Yes 300 $65,000 13
Temple University of the Commonwealth System of Higher Education
University Philadelphia PA FIA Card Services, N.A.
Same Yes 1,877 $202,065 294
Tennessee State University Alumni Association
Alumni Association
Nashville TN FIA Card Services, N.A.
Same Yes 325 $11,217 1
Tennessee Technological University Alumni Association
Alumni Association
Cookeville TN FIA Card Services, N.A.
Amended Yes 1,480 $100,000 3
Texas AandM University Commerce Alumni Association
Alumni Association
Commerce TX FIA Card Services, N.A.
Same Yes 526 $0 4
Texas Aggie Corps of Cadets Association
Alumni Association
College Station TX USAA Savings Bank
Same Yes 637 $20,567 170
Texas Christian University
University Fort Worth TX FIA Card Services, N.A.
Same Yes 3,304 $0 0
Texas Tech Alumni Association
Alumni Association
Lubbock TX Chase Bank USA, N.A.
Same Yes 5,353 $470,000 4
Texas Womens University Former Students Association
Alumni Association
Denton TX FIA Card Services, N.A.
Amended No 1,057 $9,991 0
The Alumnae Association of Mount Holyoke College
Alumni Association
South Hadley MA FIA Card Services, N.A.
Amended No 343 $5,253 3
The Alumni Association of the State University College at Potsdam
Alumni Association
Potsdam NY U.S. Bank National Association ND
Same Yes 377 $0 25
The Associated Alumnae and Alumni of the Sacred Heart
Alumni Association
St. Louis MO Capital One, N.A.
New Yes 15 $1,582 4
42 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
The Association of Alumni, Former Students, and Friends of SIU
Alumni Association
Carbondale IL Chase Bank USA, N.A.
Same Yes 2,863 $0 0
The Board of Trustees of Northern Michigan University
University Marquette MI FIA Card Services, N.A.
Same Yes 839 $30,105 4
The Catholic University of America
University Washington DC FIA Card Services, N.A.
Same Yes 1,104 $22,131 1
The Citadel Alumni Association
Alumni Association
Charleston SC U.S. Bank National Association ND
Same Yes 394 $0 39
The College of New Jersey Alumni Association
Alumni Association
Ewing NJ U.S. Bank National Association ND
Amended Yes 694 $527 53
The College of the Holy Cross General Alumni Association
Alumni Association
Worcester MA FIA Card Services, N.A.
Same Yes 1,865 $110,660 8
The Colleges of the Seneca Inc
University Geneva NY FIA Card Services, N.A.
Same No 43 $0 0
The Ex Students Association of The University of Texas
Alumni Association
Austin TX FIA Card Services, N.A.
Amended Yes 27,635 $679,507 712
The Foundation of the University of North Carolina at Charlotte
Foundation Charlotte NC FIA Card Services, N.A.
Amended Yes 2,354 $4,400 9
The Fraternity of Phi Gamma Delta Inc
Other Lexington KY FIA Card Services, N.A.
Same Yes 257 $15,000 0
The George Washington Alumni Association
Alumni Association
Washington DC FIA Card Services, N.A.
Same Yes 2,912 $53,590 92
The Kansas University Alumni Association
Alumni Association
Lawrence KS INTRUST Bank, N.A.
Same Yes 11,794 $859,772 335
The King's College University New York NY Capital One, N.A.
Same No 0 $0 0
The Medical College of Virginia Alumni Association
Alumni Association
Richmond VA FIA Card Services, N.A.
Same Yes 271 $0 0
The Ohio State University Alumni Association Inc
Alumni Association
Columbus OH FIA Card Services, N.A.
Amended No 13,750 $142,784 18
The Principia University St Louis MO UMB Bank, N.A. Same Yes 5,749 $25 244
The State University of West Georgia Foundation Inc
Foundation Carrollton GA FIA Card Services, N.A.
Same Yes 478 $6,499 1
The Trustees of Columbia University
University New York NY FIA Card Services, N.A.
Amended Yes 8,003 $242,591 244
The Trustees of Dartmouth College
University Hanover NH FIA Card Services, N.A.
Same No 2,462 $50,195 1
The United States Naval Academy Alumni Association, Inc.
Alumni Association
Annapolis MD Chase Bank USA, N.A.
Same Yes 7,633 $516,960 76
The University of Georgia Foundation
Foundation Athens GA FIA Card Services, N.A.
Amended Yes 18,208 $1,157,737 659
The William and Mary Alumni Association
Alumni Association
Williamsburg VA FIA Card Services, N.A.
Same Yes 4,619 $340,000 64
Theta Tau Other Austin TX FIA Card Services, N.A.
Same Yes 195 $4,193 0
Thomas M Cooley Law School
University Lansing MI FIA Card Services, N.A.
Amended No 90 $1,748 1
43 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Thunderbird The American Graduate School of International Management
University Glendale AZ FIA Card Services, N.A.
Same Yes 283 $2,959 0
Towson University Foundation Inc
Foundation Towson MD FIA Card Services, N.A.
Same Yes 2,370 $90,000 5
Trustees of the University of Pennsylvania
University Philadelphia PA FIA Card Services, N.A.
Amended Yes 9,837 $525,000 213
U.S. Coast Guard Academy Alumni Association
Alumni Association
New London CT USAA Savings Bank
New Yes 222 $10,000 240
UB Alumni Association Inc
Alumni Association
Buffalo NY FIA Card Services, N.A.
Same Yes 1,766 $40,242 177
UC Santa Barbara Alumni Association
Alumni Association
Santa Barbara CA Capital One, N.A.
Same Yes 418 $35,000 164
UCLA Alumni Association
Alumni Association
Los Angeles CA FIA Card Services, N.A.
Same Yes 24,201 $579,552 1,521
UCSD Alumni Association
Alumni Association
La Jolla CA FIA Card Services, N.A.
Same No 295 $100,225 8
UMKC Alumni Association
Alumni Association
Kansas City MO UMB Bank, N.A. Same Yes 252 $1 7
UMKC Bloch School of Business
University Kansas City MO UMB Bank, N.A. Same Yes 85 $1 2
UMKC College of Arts and Sciences
University Kansas City MO UMB Bank, N.A. Same Yes 0 $0 0
UMKC Conservatory of Music and Dance
University Kansas City MO UMB Bank, N.A. Same Yes 0 $0 0
UMKC School of Biological Sciences
University Kansas City MO UMB Bank, N.A. Same Yes 1 $0 1
UMKC School of Computing and Engineering
University Kansas City MO UMB Bank, N.A. Same Yes 0 $1 1
UMKC School of Dentistry
University Kansas City MO UMB Bank, N.A. Same Yes 0 $0 0
UMKC School of Education
University Kansas City MO UMB Bank, N.A. Same Yes 0 $0 0
UMKC School of Graduate Studies
University Kansas City MO UMB Bank, N.A. Same Yes 0 $0 0
UMKC School of Law University Kansas City MO UMB Bank, N.A. Same Yes 0 $0 0
UMKC School of Medicine
University Kansas City MO UMB Bank, N.A. Same Yes 2 $2 2
UMKC School of Nursing
University Kansas City MO UMB Bank, N.A. Same Yes 0 $0 0
UMKC School of Pharmacy
University Kansas City MO UMB Bank, N.A. Same Yes 0 $0 0
Union College NY University Schenectady NY FIA Card Services, N.A.
Same No 270 $1,900 0
Universidad Interamericana de Puerto Rico
University San Juan PR FIA Card Services, N.A.
Amended No 3,859 $49,674 3
University Louisiana Lafayette Alumni Association
Alumni Association
Lafayette LA U.S. Bank National Association ND
Same Yes 1,387 $0 56
University of Alabama at Birmingham National Alumni Society
Alumni Association
Birmingham AL U.S. Bank National Association ND
Same Yes 658 $0 59
44 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
University of Alabama Huntsville Alumni Association
Alumni Association
Huntsville Al U.S. Bank National Association ND
Same Yes 132 $0 12
University of Arizona Alumni Association
Alumni Association
Tucson AZ FIA Card Services, N.A.
Amended Yes 10,955 $70,428 286
University of Baltimore Alumni Association
Alumni Association
Baltimore MD FIA Card Services, N.A.
Same Yes 412 $9,059 0
University of California Irvine Alumni Association
Alumni Association
Irvine CA FIA Card Services, N.A.
Same Yes 4,221 $64,924 21
University of California San Francisco
Alumni Association
San Francisco CA FIA Card Services, N.A.
Same No 420 $3,203 0
University of California Santa Cruz Alumni Association
Alumni Association
Santa Cruz CA FIA Card Services, N.A.
Same Yes 2,922 $48,579 10
University of Central Arkansas Alumni Association
Alumni Association
Conway AR FIA Card Services, N.A.
Amended No 676 $9,900 1
University of Central Florida Alumni Association
Alumni Association
Orlando FL FIA Card Services, N.A.
Same Yes 8,998 $300,000 446
University of Central Oklahoma Alumni Association
Alumni Association
Edmond OK FIA Card Services, N.A.
Same Yes 813 $15,015 0
University of Chicago University Chicago IL Chase Bank USA, N.A.
Same Yes 2,267 $300,000 9
University of Cincinnati University Cincinnati OH FIA Card Services, N.A.
Amended Yes 348 $300,225 5
University of Colorado at Boulder
University Boulder CO Elevations Credit Union
Active Yes 2,336 $0 0
University of Colorado at Colorado Springs Alumni Association
Alumni Association
Colorado Springs
CO U.S. Bank National Association ND
Same Yes 199 $0 15
University of Colorado Foundation
Foundation Boulder CO FIA Card Services, N.A.
Same Yes 7,753 $450,000 151
University of Connecticut Alumni Association Inc
Alumni Association
Storrs CT FIA Card Services, N.A.
Amended No 7,003 $0 70
University of Dayton University Dayton OH FIA Card Services, N.A.
Same Yes 1,228 $110,000 0
University of Delaware Alumni Association
Alumni Association
Newark DE FIA Card Services, N.A.
Amended Yes 8,395 $183,609 206
University of Denver and the Denver Alumni Association
University and Alumni Association
Denver CO FIA Card Services, N.A.
Same Yes 849 $60,000 5
University of Evansville University Evansville IN FIA Card Services, N.A.
Amended No 534 $7,197 0
University of Florida Alumni Assicuatuibm Inc., University of Florida Foundation, Inc. and The University Athletic Association, Inc.
Alumni Association, Foundation & Other
Gainesville FL Chase Bank USA, N.A.
Same Yes 9,103 $0 49
University of Hartford Alumni Association
Alumni Association
West Hartford MA U.S. Bank National Association ND
Same Yes 637 $0 59
University of Hawaii at Manoa
University Honolulu HI FIA Card Services, N.A.
Same Yes 4,177 $0 2
University of Houston Alumni Association
Alumni Association
Houston TX FIA Card Services, N.A.
Amended Yes 662 $46,681 428
University of Illinois Alumni Urbana IL University of Same Yes 7,526 $487,500 3,306
45 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Alumni Association Association Illinois Employees Credit Union
University of Kentucky Alumni Association
Alumni Association
Lexington KY Chase Bank USA, N.A.
Same Yes 5,435 $0 7
University of Mary Washington Alumni Association and University of Mary Washington Foundation
Alumni Association and Foundation
Fredricksburg VA FIA Card Services, N.A.
Same Yes 609 $9,859 1
University of Maryland Alumni Association, Inc. and M Club Foundation, University of Maryland, Inc.
Alumni Association and Foundation
College Park MD Chase Bank USA, N.A.
Same Yes 4,563 $500,000 0
University of Massachusetts Amherst Alumni Association
Alumni Association
Amherst MA Capital One, N.A.
New Yes 251 $225,000 257
University of Massachusetts Lowell
University Lowell MA U.S. Bank National Association ND
Same Yes 729 $0 44
University of Memphis University Memphis TN FIA Card Services, N.A.
Same Yes 149 $100,000 2
University of Miami University Coral Gables FL FIA Card Services, N.A.
Same Yes 5,466 $118,240 819
University of Minnesota Alumni Association
Alumni Association
Minneapolis MN FIA Card Services, N.A.
Same Yes 719 $476,725 40
University of Missouri Alumni Association
Alumni Association
Columbia MO FIA Card Services, N.A.
Same Yes 9,793 $338,550 451
University of Missouri St Louis Alumni Association
Alumni Association
St. Louis MO FIA Card Services, N.A.
Same No 990 $5,439 0
University of Montana Alumni Association
Alumni Association
Missoula MT Capital One, N.A.
New Yes 39 $25,000 39
University of Nebraska Omaha Alumni Association
Alumni Association
Omaha NE Capital One, N.A.
Same Yes 147 $0 43
University of Nevada Reno Foundation
Foundation Reno NV FIA Card Services, N.A.
Same Yes 1,439 $70,000 1
University of New Hampshire Alumni Association
Alumni Association
Durham NH FIA Card Services, N.A.
Amended Yes 4,233 $0 65
University of New Mexico Alumni Association
Alumni Association
Albuquerque NM FIA Card Services, N.A.
Same Yes 2,239 $24,312 89
University of New Orleans International Alumni Association
Alumni Association
New Orleans LA Capital One, N.A.
Same Yes 141 $1,825 60
University of North Alabama Alumni Association
Alumni Association
Florence AL U.S. Bank National Association ND
Same Yes 311 $0 29
University of North Carolina Greensboro Alumni Association
Alumni Association
Greensboro NC FIA Card Services, N.A.
Same Yes 2,113 $30,443 0
University of North Dakota Alumni Association
Alumni Association
Grand Forks ND U.S. Bank National Association ND
Same Yes 1,791 $36,402 247
University of North Florida Alumni
Alumni Association
Jacksonville FL U.S. Bank National
Terminated 4/12
No 490 $0 10
46 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Association Association ND
University of Northern Iowa Alumni Association
Alumni Association
Cedar Falls IA FIA Card Services, N.A.
Same Yes 3,590 $135,150 3
University of Notre Dame
University Notre Dame IN FIA Card Services, N.A.
Same Yes 2,955 $195,496 927
University of Oregon Alumni Association, Inc.
Alumni Association
Eugene OR Chase Bank USA, N.A.
Same Yes 2,389 $0 0
University of Pittsburgh of the Commonwealth System of Higher Education
University Pittsburgh PA FIA Card Services, N.A.
Same Yes 5,286 $15,813 4
University of Puerto Rico University San Juan PR Banco Popular de Puerto Rico
Same Yes 16,500 $74,706 597
University of Redlands University Redlands CA FIA Card Services, N.A.
Amended No 335 $6,151 0
University of Rhode Island Alumni Association
Alumni Association
Kingston RI Capital One, N.A.
New Yes 0 $0 0
University of Scranton University Scranton PA FIA Card Services, N.A.
Same Yes 2,130 $95,000 8
University of South Alabama National Alumni Association
Alumni Association
Mobile AL Capital One, N.A.
New Yes 10 $393 11
University of South Florida Alumni Association Inc
Alumni Association
Tampa FL FIA Card Services, N.A.
Amended No 2,851 $10,552 54
University of Southern California
University Los Angeles CA FIA Card Services, N.A.
Same Yes 18,768 $1,505,550 1,608
University of Southern California
Alumni Association
Los Angeles CA USC Credit Union
Same Yes 256 $39,000 99
University of Southern Indiana Alumni Association
Alumni Association
Evansville IN FIA Card Services, N.A.
Amended No 391 $6,058 2
University of Southern Maine
University Portland ME FIA Card Services, N.A.
Amended No 165 $1,282 0
University of Southern Mississippi Alumni Association Inc
Alumni Association
Hattiesburg MS FIA Card Services, N.A.
Same Yes 2,044 $85,000 135
University of St Thomas University Houston TX FIA Card Services, N.A.
Amended No 332 $2,366 0
University of Tampa National Alumni Association
Alumni Association
Tampa FL FIA Card Services, N.A.
Amended No 424 $6,168 1
University of Tennessee University Knoxville TN Chase Bank USA, N.A.
Amended Yes 5,184 $1,428,571 2
University of Texas at Arlington Alumni Association
Alumni Association
Arlington TX FIA Card Services, N.A.
Amended No 3,207 $300,000 4
University of Texas at Dallas Alumni Association
Alumni Association
Richardson TX FIA Card Services, N.A.
Amended No 1,071 $6,854 0
University of Texas at El Paso Alumni Association
Alumni Association
El Paso TX FIA Card Services, N.A.
Same Yes 2,581 $0 1
University of Texas at San Antonio Alumni Association
Alumni Association
San Antonio TX Capital One, N.A.
New Yes 4 $0 4
University of Texas Medical School Houston Alumni Association
Alumni Association
Houston TX Capital One, N.A.
Same Yes 6 $748 3
47 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
University of Texas Pan American Alumni Association Inc
Alumni Association
Edinburg TX FIA Card Services, N.A.
Same Yes 1,312 $16,024 4
University of Texas Tyler Foundation
Foundation Tyler TX UMB Bank, N.A. New Yes 0 $0 0
University of the Incarnate Word
University San Antonio TX FIA Card Services, N.A.
Amended Yes 250 $1,760 0
University of Tulsa University Tulsa OK FIA Card Services, N.A.
Amended No 539 $11,065 0
University of Utah Alumni Association Association
Alumni Association
Salt Lake City UT Capital One, N.A.
Same Yes 235 $168,580 78
University of Washington Alumni Association
Alumni Association
Seattle WA FIA Card Services, N.A.
Amended Yes 5,391 $59,523 187
University of West Florida Foundation Inc
Foundation Pensacola FL Pen Air Federal Credit Union
Same Yes 55 $694 27
University of Wisconsin Eau Claire Foundation
Foundation Eau Claire WI U.S. Bank National Association ND
Same Yes 571 $0 28
University of Wisconsin Green Bay Alumni Association
Alumni Association
Green Bay WI FIA Card Services, N.A.
Amended No 557 $0 0
University of Wisconsin Milwaukee Alumni Association
Alumni Association
Milwaukee WI U.S. Bank National Association ND
Same Yes 1,083 $0 76
University of Wisconsin Oshkosh Foundation
Foundation Oshkosh WI FIA Card Services, N.A.
Amended No 365 $1,750 0
University of Wisconsin Parkside Alumni Association
Alumni Association
Kenosha WI FIA Card Services, N.A.
Amended No 169 $1,987 0
University of Wisconsin Platteville Alumni Association
Alumni Association
Platteville WI FIA Card Services, N.A.
Amended No 610 $0 0
University of Wisconsin Stevens Point Alumni Association
Alumni Association
Stevens Point WI U.S. Bank National Association ND
Same Yes 362 $0 28
University of Wisconsin Whitewater Foundation
Foundation Whitewater WI FIA Card Services, N.A.
Same Yes 1,482 $40,000 1
University of Wyoming Alumni Association
Alumni Association
Laramie WY Capital One, N.A.
Same Yes 419 $38,293 215
Valdosta State University Alumni Association
Alumni Association
Valdosta GA FIA Card Services, N.A.
Same Yes 1,347 $20,729 1
Villanova University University Villanova PA FIA Card Services, N.A.
Same Yes 4,872 $160,092 153
Virginia Commonwealth University Alumni Association
Alumni Association
Richmond VA FIA Card Services, N.A.
Same Yes 1,227 $90,000 0
Virginia Tech Alumni Association
Alumni Association
Blacksburg VA Chase Bank USA, N.A.
Same Yes 9,222 $0 2
VMI Alumni Association Alumni Association
Lexington VA FIA Card Services, N.A.
Amended No 238 $0 0
Wagner College University Staten Island NY FIA Card Services, N.A.
Amended No 297 $1,661 0
Wake Forest University University Winston Salem NC FIA Card Services, N.A.
Same Yes 2,647 $155,640 1
Wartburg College University Waverly IA FIA Card Services, N.A.
Same Yes 229 $0 0
48 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
Washburn University University Topeka KS INTRUST Bank, N.A.
Amended Yes 470 $11,183 24
Washington and Lee University
University Lexington VA FIA Card Services, N.A.
Amended No 113 $0 0
Washington State University Alumni Association
Alumni Association
Pullman WA FIA Card Services, N.A.
Amended Yes 6,916 $100,000 123
Wayland Baptist University
University Plainview TX FIA Card Services, N.A.
Same Yes 371 $4,775 2
Wayne State University Alumni Association
Alumni Association
Detroit MI Capital One, N.A.
Same Yes 359 $0 66
Waynesburg College University Waynesburg PA FIA Card Services, N.A.
Same No 218 $1,042 0
Weber State Alumni Association
Alumni Association
Ogden VT U.S. Bank National Association ND
Same Yes 532 $0 40
Webster University Alumni Association
Alumni Association
St. Louis MO FIA Card Services, N.A.
Same Yes 658 $4,442 1
Wellesley College Alumnae Association
Alumni Association
Wellesley MA Capital One, N.A.
Same Yes 293 $10,000 119
West Chester University Alumni Association
Alumni Association
West Chester PA FIA Card Services, N.A.
Amended No 1,357 $0 0
West Liberty State College Alumni Association
Alumni Association
West Liberty WV FIA Card Services, N.A.
Same No 360 $2,900 0
West Point Association of Graduates
Alumni Association
West Point NY FIA Card Services, N.A.
Same Yes 4,506 $500,000 10
West Virginia University Alumni Association
Alumni Association
Morgantown WV FIA Card Services, N.A.
Amended No 3,260 $9,390 117
Western Carolina University Alumni Association
Alumni Association
Cullowhee NC FIA Card Services, N.A.
Amended No 652 $5,111 0
Western Connecticut State University
University Danbury CT FIA Card Services, N.A.
Amended No 223 $3,290 0
Western Illinois University Alumni Association
Alumni Association
Macomb IL INTRUST Bank, N.A.
Same Yes 378 $17,043 77
Western Kentucky University Alumni Association
Alumni Association
Bowling Green KY Capital One, N.A.
New Yes 64 $35,000 70
Western Michigan Alumni Association
Alumni Association
Kalamazoo MI PNC Bank, N.A. Terminated
No 0 $0 0
Western Oregon University Development Foundation
Foundation Monmouth OR FIA Card Services, N.A.
Amended No 358 $5,239 0
Western State College Alumni Association
Alumni Association
Gunnison CO FIA Card Services, N.A.
Amended No 262 $4,116 0
Western Washington University Alumni Association
Alumni Association
Bellingham WA FIA Card Services, N.A.
Same Yes 1,175 $19,187 2
Westfield State College Foundation, Inc.
Foundation Westfield MA FIA Card Services, N.A.
Same No 336 $2,443 0
Westminster College New Wilmington
University New Wilmington
PA FIA Card Services, N.A.
Same Yes 609 $11,880 0
Whos Who Among Students in American Universities and Colleges
Other Tuscaloosa AL FIA Card Services, N.A.
Amended No 3,518 $36,036 0
Wichita State University Alumni Association, Inc.
Alumni Association
Wichita KS INTRUST Bank, N.A.
Amended Yes 3,595 $216,287 210
49 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2013?
Total Open Accounts: Dec 31, 2012
Payments by Issuer in 2012
New Accounts Opened in 2012
William Jewell College University Liberty MO UMB Bank, N.A. Same Yes 2,807 $0 129
William Marsh Rice University
University Houston TX FIA Card Services, N.A.
Amended No 1,981 $15,255 1
William Paterson University Alumni Association
Alumni Association
Wayne NJ FIA Card Services, N.A.
Same No 640 $4,523 0
Wilmington College University Wilmington OH FIA Card Services, N.A.
Amended No 199 $1,376 0
Wisconsin Alumni Association
Alumni Association
Madison WI FIA Card Services, N.A.
Amended Yes 18,417 $952,400 595
Wofford College University Spartanburg SC FIA Card Services, N.A.
Amended No 394 $8,039 1
Wright State University Alumni Association
Alumni Association
Dayton OH FIA Card Services, N.A.
Amended No 1,507 $21,151 1
Wright State University Alumni Association
Alumni Association
Fairborn OH Wright-Patt Credit Union, Inc.
New Yes 71 $15,000 71
Yale University University New Haven CT Chase Bank USA, N.A.
Same Yes 7,989 $1,140,000 2
Zeta Beta Tau Fraternity Inc
Other Indianapolis IN FIA Card Services, N.A.
Amended No 234 $1,173 0
Zeta Tau Alpha Fraternity
Other Indianapolis IN FIA Card Services, N.A.
Same Yes 1,867 $65,000 35
50 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.
Institution or Organization Type of Institution or Organization City State Credit Card Issuer
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.
51 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution or Organization City State Credit Card Issuer
Associated Alumnae and Alumni of the Sacred Heart Alumni Association St. Louis MO FIA Card Services, N.A.
Associated Students Incorporated California State University Long Beach
Other Long Beach CA FIA Card Services, N.A.
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 Association_The University Foundation California State University Chico
Alumni Association Chico CA FIA Card Services, N.A.
California State University Long Beach Alumni Association
Alumni Association Long Beach CA FIA Card Services, N.A.
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.
52 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution or Organization City State Credit Card Issuer
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 Stroudsburg
PA FIA Card Services, N.A.
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 Heights
OH FIA Card Services, N.A.
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.
53 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution or Organization City State Credit Card Issuer
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 Association
Alumni Association Shreveport LA FIA Card Services, N.A.
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 Sciences
University Boston MA FIA Card Services, N.A.
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
University Greensboro NC FIA Card Services, N.A.
North Georgia College and State University Alumni Association
Alumni Association Dahlonega GA FIA Card Services, N.A.
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.
54 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution or Organization City State Credit Card Issuer
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 Association
Alumni Association Prairie View TX FIA Card Services, N.A.
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 Center
MI FIA Card Services, N.A.
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 Development Office
Alumni Association Rohnert Park CA FIA Card Services, N.A.
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 Association
Alumni Association Weatherford OK FIA Card Services, N.A.
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.
55 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution or Organization City State Credit Card Issuer
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 Association
Alumni Association Corpus Christi TX FIA Card Services, N.A.
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 the University of Colorado at Denver and Health Sciences Center
University Denver CO FIA Card Services, N.A.
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 Association Inc
Alumni Association New London CT FIA Card Services, N.A.
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 Association Inc
Alumni Association Amherst MA FIA Card Services, N.A.
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.
56 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization Type of Institution or Organization City State Credit Card Issuer
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.
57 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
Institution or Organization
Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2011?
Total Open Accounts: Dec 31, 2010
Payments by Issuer in 2010
New Accounts Opened in 2010
Ball State University Alumni Association
Alumni Association Muncie IN
INTRUST Bank, N.A. New Yes 217 $80,399 217
Baylor University Alumni Association
Alumni Association Waco TX
U.S. Bank National Association ND Same Yes 1,938 $32,093 56
Bemidji State University Alumni Association
Alumni Association Bemidji MN
U.S. Bank National Association ND Same Yes 275 $0 20
Colorado State University Alumni Association
Alumni Association Fort Collins CO
U.S. Bank National Association ND Same Yes 5,834 $280,000 111
58 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization
Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2011?
Total Open Accounts: Dec 31, 2010
Payments by Issuer in 2010
New Accounts Opened in 2010
Duquesne University Alumni Association
Alumni Association Pittsburgh PA
U.S. Bank National Association ND Same Yes 1,162 $0 53
Florida Institute of Technology Alumni Association
Alumni Association Melbourne FL
U.S. Bank National Association ND Same Yes 336 $0 26
Indiana University of Pennsylvania Alumni Association
Alumni Association Indiana PA
FIA Card Services, N.A. Same Yes 3,530 $63,907 35
Jacksonville State University Alumni Association
Alumni Association Jacksonville AL
U.S. Bank National Association ND Same Yes 580 $0 40
Miner Alumni Association (MO University of S&T)
Alumni Association Rolla MO
U.S. Bank National Association ND Same Yes 406 $0 27
MIT Alumni Association
Alumni Association Cambridge MA MIT Credit Union New Yes 175 $20,000 50
Northwest Missouri State University Alumni Association
Alumni Association Maryville MO
U.S. Bank National Association ND Same Yes 338 $0 33
Ohio Northern University Alumni Association
Alumni Association Ada OH
U.S. Bank National Association ND Same Yes 342 $0 14
Pepperdine University Alumni Association
Alumni Association Malibu CA
U.S. Bank National Association ND Same Yes 642 $0 73
Rensselaer Polytechnic Institute Alumni Association
Alumni Association Troy NY
U.S. Bank National Association ND Amended Yes 762 $714 64
Rhode Island College Alumni Association
Alumni Association Providence RI
U.S. Bank National Association ND Same Yes 672 $0 57
Rhode Island School of Design University Providence RI
FIA Card Services, N.A. Amended Yes 961 $19,747 11
Rutgers University Alumni Federation and Rutgers, the State University of New Jersey
University and Alumni Association
New Brunswick NJ
U.S. Bank National Association ND Same Yes 5,081 $500,000 351
59 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization
Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2011?
Total Open Accounts: Dec 31, 2010
Payments by Issuer in 2010
New Accounts Opened in 2010
Saint Peter's College Alumni Association
Alumni Association Jersey City NJ
U.S. Bank National Association ND Same Yes 296 $0 14
Slippery Rock State University Foundation, Inc. Foundation Slippery Rock PA
U.S. Bank National Association ND Same Yes 1,994 $25,000 38
South Dakota State University Alumni Association
Alumni Association Brookings SD
U.S. Bank National Association ND Same Yes 598 $0 52
SUNY Cortland Alumni Association
Alumni Association Cortland NY
U.S. Bank National Association ND Same Yes 664 $0 26
SUNY College at Oneonta Alumni Association, Inc.
Alumni Association Oneonta NY
U.S. Bank National Association ND Same Yes 560 $0 33
The Alumni Association of the State University College at Potsdam
Alumni Association Potsdam NY
U.S. Bank National Association ND Same Yes 373 $0 17
The Citadel Alumni Association
Alumni Association Charleston SC
U.S. Bank National Association ND Same Yes 376 $0 39
The College of New Jersey Alumni Association
Alumni Association Ewing NJ
U.S. Bank National Association ND Same Yes 699 $0 37
University Louisiana Lafayette Alumni Association
Alumni Association Lafayette LA
U.S. Bank National Association ND Same Yes 1,412 $0 85
University of Alabama at Birmingham National Alumni Society
Alumni Association Birmingham AL
U.S. Bank National Association ND Same Yes 990 $0 56
University of Alabama Huntsville Alumni Association
Alumni Association Huntsville Al
U.S. Bank National Association ND Same Yes 123 $0 15
University of Colorado at Colorado Springs Alumni Association
Alumni Association
Colorado Springs CO
U.S. Bank National Association ND Same Yes 517 $0 15
60 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization
Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2011?
Total Open Accounts: Dec 31, 2010
Payments by Issuer in 2010
New Accounts Opened in 2010
University of Hartford Alumni Association
Alumni Association West Hartford MA
U.S. Bank National Association ND Same Yes 620 $0 49
University of Minnesota Alumni Association
Alumni Association Minneapolis MN
FIA Card Services, N.A. Same Yes 734 $476,875 229
University of North Alabama Alumni Association
Alumni Association Florence AL
U.S. Bank National Association ND Amended Yes 293 $4,296 20
University of North Dakota Alumni Association
Alumni Association Grand Forks ND
U.S. Bank National Association ND Same Yes 1,665 $33,362 243
University of Texas at Dallas Alumni Association
Alumni Association Richardson TX
FIA Card Services, N.A. Same Yes 1,223 $13,383 20
University of Wisconsin Eau Claire Foundation Foundation Eau Claire WI
U.S. Bank National Association ND Same Yes 573 $0 33
University of Wisconsin Milwaukee Alumni Association
Alumni Association Milwaukee WI
U.S. Bank National Association ND Same Yes 1,081 $0 74
University of Wisconsin Stevens Point Alumni Association
Alumni Association Stevens Point WI
U.S. Bank National Association ND Same Yes 353 $0 35
Valdosta State University Alumni Association
Alumni Association Valdosta GA
FIA Card Services, N.A. Same Yes 1,534 $5,236 9
Washington and Lee University University Lexington VA
FIA Card Services, N.A. Same Yes 125 $40,000 22
Weber State Alumni Association
Alumni Association Ogden VT
U.S. Bank National Association ND Same Yes 1,709 $150,000 48
Westfield State College Foundation Foundation Westfield MA
FIA Card Services, N.A. Amended Yes 386 $5,318 8
Lake County Schools Alumni
Alumni Association
Memphis TN UMB Bank, N.A. Same Yes 0 $0 0
61 ANNUAL REPORT TO CONGRESS: COLLEGE CREDIT CARDS
Institution or Organization
Type of Institution City ST Credit Card Issuer Status
In Effect Jan 1, 2011?
Total Open Accounts: Dec 31, 2010
Payments by Issuer in 2010
New Accounts Opened in 2010
Nebraska Lutheran High School
Alumni Association
Waco NE UMB Bank, N.A. New Yes 0 $0 0
North Hunterdon-Voorhees Regional High School District
Alumni Association
Hunterdon-Voorhees
PA UMB Bank, N.A. New Yes 0 $0 0