Common use of MEMBER ACCOUNT AND CARDS Clause in Contracts

MEMBER ACCOUNT AND CARDS. The Bank has established a Corporate MasterCard program with the Illinois Association of School Business Officials (the “Association”) for its qualified members. The Association has requested that the Bank establish a MasterCard account for you and the Bank has agreed to do so. This Agreement between the Member and the Bank and the Agreement between the Bank and the Association set forth the terms and conditions under which the Bank will make its Corporate MasterCard program available to the Member. Section 1.1. The Bank will establish a MasterCard®* account for the Member (the “Member Account”) under the Bank’s Corporate MasterCard program with the Association as indicated in Schedule 1 with the initial Monthly credit limit of U.S. $ (the credit limit of the Member Account in effect at any time is herein called the “Member Credit Limit”). The Bank shall lend money to the Member and its Cardholders (as defined below) up to the Member Credit Limit by way of charges to the Member Account in accordance with this Agreement. The Bank reserves the right, in its sole discretion, to modify the Member Credit Limit and the Cardholder Credit Limits at any time. The Member agrees that the Member Account is to be used for business purposes, and not for personal, family, or household purposes (non-business purposes). Member will notify its Cardholders of the prohibition against use for non-business purposes when the Card is issued and periodically thereafter during the term of this Agreement. Member agrees that regardless of the purposes for which the Member Account is used to make purchases, all such transactions, interest, fees and related charges shall be paid to the Bank by the Member in accordance with the terms of this Agreement. 10033648_1.doc 7677081 Section 1.2. The Member may request the Bank to issue a MasterCard card or card numbers (“Cards”) on the Member Account to employees designated by the Member. Each such request (a “Request”) shall be in a form required by the bank from time to time and shall be submitted by a Program Administrator.

MEMBER ACCOUNT AND CARDS. The Bank has established a Corporate MasterCard program with the Illinois Association of School Business Officials (the “Association”) for its qualified members. The Association has requested that the Bank establish a MasterCard account for you and the Bank has agreed to do so. This Agreement between the Member and the Bank and the Agreement between the Bank and the Association set forth the terms and conditions under which the Bank will make its Corporate MasterCard program available to the Member. Section 1.1. The Bank will establish a MasterCard®* account for the Member (the “Member Account”) under the Bank’s Corporate MasterCard program with the Association as indicated in Schedule 1 with the initial Monthly credit limit of U.S. $ (the credit limit of the Member Account in effect at any time is herein called the “Member Credit Limit”). The Bank shall lend money to the Member and its Cardholders (as defined below) up to the Member Credit Limit by way of charges to the Member Account in accordance with this Agreement. The Bank reserves the right, in its sole discretion, to modify the Member Credit Limit and the Cardholder Credit Limits at any time. The Member agrees that the Member Account is to be used for business purposes, and not for personal, family, or household purposes (non-business purposes). Member will notify its Cardholders of the prohibition against use for non-business purposes when the Card is issued and periodically thereafter during the term of this Agreement. Member agrees that regardless of the purposes for which the Member Account is used to make purchases, all such transactions, interest, fees and related charges shall be paid to the Bank by the Member in accordance with the terms of this Agreement. 10033648_1.doc 7677081. Section 1.2. The Member may request the Bank to issue a MasterCard card or card numbers (“Cards”) on the Member Account to employees designated by the Member. Each such request (a “Request”) shall be in a form required by the bank from time to time and shall be submitted by a Program Administrator. IASBO Updated Member Agreement_Final_030111.doc 7677081 Section 1.3. Upon receipt by the Bank of a Request in respect of an employee, the Bank will issue a Card on the Member Account to the employee, embossed with the name of the employee (the “Cardholder”) and the Member’s name and/or identifier. The Bank may issue renewal, replacement or temporary replacement cards for any Card from time to time. In addition, at the Member’s request, the Bank may issue each Cardholder a personal identification number (a “PIN”) enabling the Cardholder to use the Card at automated teller machines (“ATMs”) accessible with the Card to obtain cash advances and effect transactions on the Member Account. The Member shall instruct each Cardholder not to disclose the Cardholder’s PIN to any other person. Transaction records issued by an ATM are solely for the Member’s convenience and in the event of any dispute as to the accuracy of such records, the Bank’s internal records are presumptively correct and Member must establish by clear and convincing evidence that such records are in error. Section 1.4. The Member shall establish and set out in each Request a credit limit for the Card (the “Card Limit”) to be issued to the employee designated in the Request, subject to limitations which may be set by the Bank. A portion of this Card Limit is available for Cash Advances. The aggregate of all Card Limits for issued Cards shall not exceed the Member Credit Limit.