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The National Collegiate Athletic Association charged Chadron State College with a lack of institutional control, its most serious breach of conduct, after finding that a former football coach maintained an outside bank account for the program and gave two players $250 for academic and insurance bills. The coach also allowed an athlete to compete while ineligible and lied or misled to NCAA investigators. The association announced Wednesday that Chadron State, a Division II program, will vacate all football wins from the 2011 and 2012 seasons and face recruiting visit reductions. It also charged the university $5,000 and placed a show cause order on the former coach and former athletics director, meaning the penalties will carry over if another institution tries to hire them.