The National Association of Campus Card Users

Runge & Company Unveils Unembossed Card with Visa Debit and

Contactless Smart Chip for Instant Issue at Card Office

Clemmons, NC – July 10, 2008 – Runge & Company (www.rungeandcompany.com), a leading industry consulting firm specializing in card issuance systems, announced today that First National Bank (FNB) and Colorado State University (CSU) have launched the first Visa®-branded, unembossed campus card that features Visa debit and ATM functionality, an embedded contactless smart chip for building security, and Visa-approved instant issuance at the CSU RamCard Office.

“Runge & Company led the development effort with the goal of creating a RamCard program that will be at the center of student commerce – on and off campus – while providing state-of-the-art campus card functionality,” said Mark Driscoll, President of FNB. “Runge’s experience enabled us to propose a business partnership with the university that will build high levels of student participation and produce important benefits and financial rewards for both institutions,” Driscoll added.

The RamCard Plus program provides an all-in-one university identification card good for RamCash campus purchases, campus dining services, library services, admission to the recreation center, and contactless chip-based keyless building access. The RamCard Plus card also supports Visa debit and ATM capability.

Runge & Company worked closely with FNB and Visa to gain approval for the unembossed, flat debit card design that includes a contactless smart chip, and approval of a plan to “instantly issue” the RamCard Plus at the CSU RamCard Office.

FNB has assets of $2.5 billion, operates more than 26 offices and serves more than 90,000 households in over 16 Colorado communities. CSU is one of the nation’s leading research universities. It is based in Fort Collins, Colorado and has an enrollment of approximately 25,000 students.

About Runge & Company:

Runge & Company has designed and launched campus card programs for Credit Union One (Oakland University – Spirit Card PLUS), University of Iowa Community Credit Union (University of Iowa – Iowa OneCard), ENT Federal Credit Union (University of Colorado at Colorado Springs – Lion One Card), and Utah Community Credit Union (Utah Valley University – UV PlusCard). The firm provides technical and marketing consulting services to numerous regional and national banks, card associations, credit unions, and card issuance firms.