CREDIT AGREEMENT Dated as of October 16, 2012 among HIGHER ONE, INC. as the Borrower, THE SUBSIDIARIES OF THE BORROWER PARTY HERETO, as the Guarantors, BANK OF AMERICA, N.A., as Administrative Agent, Swingline Lender and L/C Issuer, and THE LENDERS...Credit Agreement • October 18th, 2012 • Higher One Holdings, Inc. • Services-business services, nec • New York
