Alumni Association of the University of Oregon, Inc. - Page 4

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               On September 30, 1987, USNB held a press conference and                
          issued a news release announcing the affinity credit card                   
          program.  One of petitioner's representatives gave a brief speech           
          at the press conference.  Petitioner did not otherwise inform the           
          news media of the affinity credit card program.                             
               USNB entered into the Agreement primarily to make money.               
          Its objectives in signing the affinity credit card agreement                
          were to gain access to petitioner's mailing list and to obtain              
          petitioner's endorsement.  USNB believed that it would be easier            
          to market credit cards through an affinity credit card program              
          than to market credit cards otherwise.                                      
               Petitioner established the affinity credit card program to             
          keep alumni aware of their ties to the University of Oregon and             
          to keep the University of Oregon's name before the public, to               
          provide a low-cost credit card to alumni and other University of            
          Oregon supporters, and to provide revenue for its programs                  
          without placing undue demands on its staff.                                 
          C.   The Affinity Credit Card Agreement                                     
               USNB agreed to prepare and mail, at its expense, promotional           
          materials and credit card applications to petitioner's members.             
          USNB also agreed:  (1) To announce petitioner's activities and              
          alumni news four times each year at USNB's expense on periodic              
          statements mailed to alumni credit card holders; and (2) to place           
          a full-page color advertisement in petitioner's publication at              






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