Alumni Association of the University of Oregon, Inc. - Page 9

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          during the years at issue.  The University of Oregon Printing               
          Department:  (a) Printed and mailed a letter and brochure                   
          supplied by USNB to 63,451 alumni in 1988; (b) printed and mailed           
          a letter prepared and supplied by USNB to about 14,500 University           
          of Oregon students in 1988; and (c) printed and mailed a letter             
          and brochure supplied by USNB to 39,900 University of Oregon                
          alumni in 1990.  USNB fully reimbursed petitioner for all costs             
          associated with these mailings.                                             
               Petitioner was not obligated by the Agreement to print and             
          mail these materials but did so because it cost less than the               
          direct mail house USNB hired, USNB did not have enough in-house             
          printing and mailing capacity, and the University of Oregon                 
          Printing Department was convenient to the parties.  Both USNB               
          and petitioner hoped to benefit from the mailings.                          
               Petitioner's mailings were not as sophisticated as USNB's              
          because the cardholder's accounts were not preapproved, they did            
          not contain some material recommended by professional marketers,            
          they were not in full color, and they were of ordinary size.                
          USNB received more positive responses from its mailings than it             
          did from petitioner's mailings.  Ninety-five percent of the                 
          cardholders became cardholders because of USNB's marketing                  
          efforts.                                                                    
               Petitioner included information about the affinity credit              
          card program in its membership application materials.  Petitioner           
          published information about the affinity credit card program in             




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