Big 12 and they are playoff bound. However, if Army is able to pull the upset over Notre dame and Boise state does not lose again, I could see a scenario where both are ranked ahead of the big 12 champ, thus eliminating the auto bid all together. So I'm not sure about that Army over Notre Dame pick...

I could also see a 1 loss BYU big 12 champion team still getting the nod over undefeated Army and/or Boise state, but I would not bet the mortgage on it. And if the big 12 champ. has 2 losses... I think Army & Boise state would likely be a higher seed. and with the obvious SEC and B1G bias, an at large would probably need a lot of upsets to come to fruition.

Also, remember that the final rankings come out BEFORE the Navy game. So, Army would only play one more game for an undefeated season.