093_SB1500eng

 
SB1500 Engrossed                     LRB093 06427 JLS 06550 b

 1        AN ACT concerning certain financial institutions.

 2        Be  it  enacted  by  the People of the State of Illinois,
 3    represented in the General Assembly:

 4        Section  5.  The  Illinois  Banking  Act  is  amended  by
 5    changing Sections 17  and  37  and  adding  Section  13.6  as
 6    follows:

 7        (205 ILCS 5/13.6 new)
 8        Sec.  13.6.  Banks  as  limited  liability  companies.  A
 9    State bank may be chartered as a limited  liability  company,
10    may convert to a limited liability company, or may merge with
11    and   into  a  limited  liability  company  pursuant  to  the
12    applicable laws of this State and any rule promulgated by the
13    Commissioner or by the appropriate  federal  banking  agency.
14    If  federal  law  or the federal Office of the Comptroller of
15    the Currency authorizes a national bank to be chartered as  a
16    limited  liability  company  or to convert to or merge with a
17    limited liability company, a State bank  shall  be  permitted
18    similar  authority  subject  to terms and conditions that are
19    not more onerous than those applicable to the national bank.


20        (205 ILCS 5/17) (from Ch. 17, par. 324)
21        Sec. 17.  Changes in charter.
22        (a)  By compliance with the  provisions  of  this  Act  a
23    State bank may:
24             (1)  (blank);
25             (2)  increase, decrease or change its capital stock,
26        whether  issued  or  unissued,  provided  that in no case
27        shall the capital be diminished to the prejudice  of  its
28        creditors;
29             (3)  provide  for  authorized  but  unissued capital
 
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 1        stock reserved for  issuance  for  one  or  more  of  the
 2        purposes  provided  for  in  subsection (5) of Section 14
 3        hereof;
 4             (4)  authorize   preferred   stock,   or   increase,
 5        decrease  or  change  the  preferences,   qualifications,
 6        limitations,  restrictions  or special or relative rights
 7        of its preferred stock, whether issued  or  unissued,  or
 8        delegate  authority to its board of directors as provided
 9        in subsection (d), provided that in  no  case  shall  the
10        capital be diminished to the prejudice of its creditors;
11             (5)  increase,  decrease  or change the par value of
12        its shares of  its  capital  stock  or  preferred  stock,
13        whether  issued or unissued, or delegate authority to its
14        board of directors as provided in subsection (d);
15             (6)  (blank);
16             (7)  eliminate cumulative voting rights under all or
17        specified  circumstances,  or  eliminate  voting   rights
18        entirely,  as  to any class or classes or series of stock
19        of the bank pursuant to  paragraph  (3)  of  Section  15,
20        provided that one class of shares or series thereof shall
21        always have voting in respect to all matters in the bank,
22        and  provided further that the proposal to eliminate such
23        voting rights receives the approval of the holders of 70%
24        of the outstanding shares of stock entitled  to  vote  as
25        provided  in  paragraph  (7)  of  subsection  (b) of this
26        Section 17;
27             (8)  increase, decrease, or change its capital stock
28        or preferred stock, whether issued or unissued,  for  the
29        purpose  of eliminating fractional shares or avoiding the
30        issuance of fractional shares, provided that in  no  case
31        shall  the  capital be diminished to the prejudice of its
32        creditors; or
33             (9)  make such other change in its charter as may be
34        authorized in this Act.
 
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 1        (b)  To effect a change or  changes  in  a  State  bank's
 2    charter as provided for in this Section 17:
 3             (1)  The board of directors shall adopt a resolution
 4        setting  forth  the proposed amendment and directing that
 5        it be submitted to a vote at a meeting  of  stockholders,
 6        which may be either an annual or special meeting.
 7             (2)  If the meeting is a special meeting, written or
 8        printed  notice  setting  forth the proposed amendment or
 9        summary thereof shall be given  to  each  stockholder  of
10        record  entitled to vote at such meeting at least 30 days
11        before such meeting and in the manner  provided  in  this
12        Act for the giving of notice of meetings of stockholders.
13             (3)  At   such   special  meeting,  a  vote  of  the
14        stockholders entitled to  vote  shall  be  taken  on  the
15        proposed  amendment.  Except as provided in paragraph (7)
16        of this subsection (b), the proposed amendment  shall  be
17        adopted  upon  receiving  the  affirmative  vote  of  the
18        holders  of at least two-thirds of the outstanding shares
19        of stock entitled to vote at such meeting, unless holders
20        of preferred stock are entitled to vote  as  a  class  in
21        respect  thereof,  in  which event the proposed amendment
22        shall be adopted upon receiving the affirmative  vote  of
23        the  holders  of  at  least two-thirds of the outstanding
24        shares of each class of shares  entitled  to  vote  as  a
25        class  in  respect  thereof  and of the total outstanding
26        shares entitled to vote at such meeting.  Any  number  of
27        amendments may be submitted to the stockholders and voted
28        upon  by  them  at  one  meeting.   A  certificate of the
29        amendment, or amendments, verified by the president, or a
30        vice-president,  or   the   cashier,   shall   be   filed
31        immediately in the office of the Commissioner.
32             (4)  At  any  annual meeting without a resolution of
33        the board of directors and without  a  notice  and  prior
34        publication, as hereinabove provided, a proposition for a
 
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 1        change  in  the  bank's  charter  as provided for in this
 2        Section 17 may be submitted to a vote of the stockholders
 3        entitled to vote at the annual meeting,  except  that  no
 4        proposition  for  authorized  but  unissued capital stock
 5        reserved for issuance for one or  more  of  the  purposes
 6        provided for in subsection (5) of Section 14 hereof shall
 7        be  submitted  without  complying  with the provisions of
 8        said subsection.  The proposed amendment shall be adopted
 9        upon receiving the affirmative vote of the holders of  at
10        least  two-thirds  of  the  outstanding  shares  of stock
11        entitled to vote  at  such  meeting,  unless  holders  of
12        preferred  stock  are  entitled  to  vote  as  a class in
13        respect thereof, in which event  the  proposed  amendment
14        shall  be  adopted upon receiving the affirmative vote of
15        the holders of at least  two-thirds  of  the  outstanding
16        shares  of  each  class  of  shares entitled to vote as a
17        class in respect thereof and the total outstanding shares
18        entitled to vote at such meeting.  A certificate  of  the
19        amendment, or amendments, verified by the president, or a
20        vice-president  or cashier, shall be filed immediately in
21        the office of the Commissioner.
22             (5)  If an amendment or amendments shall be approved
23        in  writing  by  the  Commissioner,  the   amendment   or
24        amendments   so   adopted   and   so  approved  shall  be
25        accomplished  in  accordance  with  the   vote   of   the
26        stockholders.  The Commissioner may impose such terms and
27        conditions on the approval of the amendment or amendments
28        as  he  deems necessary or appropriate.  The Commissioner
29        shall revoke such approval in the event such amendment or
30        amendments are not effected within one year from the date
31        of the issuance of  the  Commissioner's  certificate  and
32        written  approval except for transactions permitted under
33        subsection (5) of Section 14 of this Act.
34             (6)  No amendment or amendments shall  affect  suits
 
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 1        in  which  the  bank  is  a  party,  nor affect causes of
 2        action, nor affect rights of persons in  any  particular,
 3        nor shall actions brought against such bank by its former
 4        name be abated by a change of name.
 5             (7)  A  proposal  to  amend the charter to eliminate
 6        cumulative  voting  rights   under   all   or   specified
 7        circumstances, or to eliminate voting rights entirely, as
 8        to  any  class  or  classes or series or stock of a bank,
 9        pursuant to paragraph (3) of Section 15 and paragraph (7)
10        of subsection (a) of this Section 17,  shall  be  adopted
11        only  upon  such  proposal  receiving the approval of the
12        holders  of  70%  of  the  outstanding  shares  of  stock
13        entitled to vote at the meeting  where  the  proposal  is
14        presented for approval, unless holders of preferred stock
15        are  entitled  to  vote as a class in respect thereof, in
16        which event the proposed amendment shall be adopted  upon
17        receiving  the  approval  of  the  holders  of 70% of the
18        outstanding shares of each class of  shares  entitled  to
19        vote  as  a  class  in  respect  thereof and of the total
20        outstanding shares entitled to vote at the meeting  where
21        the  proposal is presented for approval.  The proposal to
22        amend the charter pursuant to this paragraph (7)  may  be
23        voted upon at the annual meeting or a special meeting.
24             (8)  Written  or  printed  notice of a stockholders'
25        meeting to vote on a proposal to  increase,  decrease  or
26        change  the  capital stock or preferred stock pursuant to
27        paragraph (8) of subsection (a) of this Section 17 and to
28        eliminate fractional shares  or  avoid  the  issuance  of
29        fractional  shares  shall be given to each stockholder of
30        record entitled to vote at the meeting at least  30  days
31        before the meeting and in the manner provided in this Act
32        for the giving of notice of meetings of stockholders, and
33        shall include all of the following information:
34                  (A)  A statement of the purpose of the proposed
 
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 1             reverse stock split.
 2                  (B)  A statement of the amount of consideration
 3             being offered for the bank's stock.
 4                  (C)  A  statement  that  the bank considers the
 5             transaction  fair  to  the   stockholders,   and   a
 6             statement  of  the  material  facts  upon which this
 7             belief is based.
 8                  (D)  A statement that the bank has  secured  an
 9             opinion  from  a  third  party  with  respect to the
10             fairness, from a financial point  of  view,  of  the
11             consideration   to   be   paid,   the  identity  and
12             qualifications of the third  party,  how  the  third
13             party  was  selected,  and any material relationship
14             between the third party and the bank.
15                  (E)  A summary of  the  opinion  including  the
16             basis  for  and  the  methods  of  arriving  at  the
17             findings  and  any limitation imposed by the bank in
18             arriving at fair value and a  statement  making  the
19             opinion  available  for  reviewing or copying by any
20             stockholder.
21                  (F)  A statement  that  objecting  stockholders
22             will  be  entitled to the fair value of those shares
23             that are voted against the charter amendment,  if  a
24             proper   demand   is   made  on  the  bank  and  the
25             requirements are  satisfied  as  specified  in  this
26             Section.
27    If a stockholder shall file with the bank, prior to or at the
28    meeting   of  stockholders  at  which  the  proposed  charter
29    amendment is submitted to a vote, a written objection to  the
30    proposed  charter  amendment  and  shall  not  vote  in favor
31    thereof,  and  if  the  stockholder,  within  20  days  after
32    receiving written notice of the date  the  charter  amendment
33    was  accomplished pursuant to paragraph (5) of subsection (a)
34    of this Section 17, shall make written demand on the bank for
 
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 1    payment of the fair value of the stockholder's shares  as  of
 2    the  day  prior  to  the  date  on  which  the vote was taken
 3    approving the charter amendment, the bank shall  pay  to  the
 4    stockholder,   upon   surrender   of   the   certificate   or
 5    certificates  representing the stock, the fair value thereof.
 6    The demand shall state the number  of  shares  owned  by  the
 7    objecting stockholder.  The bank shall provide written notice
 8    of  the  date on which the charter amendment was accomplished
 9    to all stockholders who  have  filed  written  objections  in
10    order that the objecting stockholders may know when they must
11    file written demand if they choose to do so.  Any stockholder
12    failing  to  make  demand  within  the 20-day period shall be
13    conclusively  presumed  to  have  consented  to  the  charter
14    amendment and shall be bound by the terms thereof.  If within
15    30 days after the date  on  which  a  charter  amendment  was
16    accomplished  the  value of the shares is agreed upon between
17    the objecting stockholders and  the  bank,  payment  therefor
18    shall  be  made  within  90  days after the date on which the
19    charter amendment was accomplished, upon the surrender of the
20    stockholder's certificate or  certificates  representing  the
21    shares.  Upon  payment  of  the  agreed  value  the objecting
22    stockholder shall cease to have any interest in the shares or
23    in  the  bank.   If  within  such  period  of  30  days   the
24    stockholder  and the bank do not so agree, then the objecting
25    stockholder may, within 60 days after the expiration  of  the
26    30-day  period,  file a complaint in the circuit court asking
27    for a finding and determination of  the  fair  value  of  the
28    shares,  and  shall  be entitled to judgment against the bank
29    for the amount of the fair value as of the day prior  to  the
30    date  on  which  the  vote  was  taken  approving the charter
31    amendment with interest thereon to the date of the  judgment.
32    The practice, procedure and judgment shall be governed by the
33    Civil  Practice  Law. The judgment shall be payable only upon
34    and simultaneously with the surrender  to  the  bank  of  the
 
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 1    certificate  or  certificates  representing the shares.  Upon
 2    payment of the  judgment,  the  objecting  stockholder  shall
 3    cease  to  have  any interest in the shares or the bank.  The
 4    shares may be held and disposed of by the bank.   Unless  the
 5    objecting  stockholder  shall  file such complaint within the
 6    time herein limited, the stockholder and all persons claiming
 7    under the stockholder shall be conclusively presumed to  have
 8    approved  and  ratified  the  charter amendment, and shall be
 9    bound by  the  terms  thereof.  The  right  of  an  objecting
10    stockholder  to  be  paid the fair value of the stockholder's
11    shares of stock as herein provided shall cease  if  and  when
12    the bank shall abandon the charter amendment.
13        (c)  The   purchase  and  holding  and  later  resale  of
14    treasury stock of a state bank pursuant to the provisions  of
15    subsection  (6)  of  Section 14 may be accomplished without a
16    change in its charter reflecting any decrease or increase  in
17    capital stock.
18        (d)  A  State  bank may amend its charter for the purpose
19    of authorizing its board  of  directors  to  issue  preferred
20    stock;  to  increase,  decrease,  or  change the par value of
21    shares of its preferred stock, whether issued or unissued; or
22    to   increase,   decrease,   or   change   the   preferences,
23    qualifications,  limitations,  restrictions,  or  special  or
24    relative rights of its preferred  stock,  whether  issued  or
25    unissued;  provided  that  in  no  case  shall the capital be
26    diminished to the  prejudice  of  the  bank's  creditors.  An
27    amendment to the bank's charter granting such authority shall
28    establish  ranges,  limits,  or  restrictions  that  must  be
29    observed  when  the board exercises the discretion authorized
30    by the amendment.
31        Once  such  an  amendment  is  adopted  and  approved  as
32    provided in this subsection, and without  further  action  by
33    the bank's stockholders, the board may exercise its delegated
34    authority  by  adopting  a  resolution specifying the actions
 
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 1    that it is taking with respect to the  preferred  stock.  The
 2    board  may fully exercise its delegated authority through one
 3    resolution or it may exercise its delegated authority through
 4    a series of resolutions, provided that  the  board's  actions
 5    remain  at  all  times  within  the  ranges, limitations, and
 6    restrictions  specified  in  the  amendment  to  the   bank's
 7    charter.
 8        A  resolution  adopted  by the board under this authority
 9    shall be submitted to  the  Commissioner  for  approval.  The
10    Commissioner  shall  approve  the  resolution,  or  state any
11    objections to  the  resolution,  within  30  days  after  the
12    receipt  of  the  resolution  adopted  by  the  board.  If no
13    objections are specified by the Commissioner within that time
14    frame, the resolution will be deemed to be  approved  by  the
15    Commissioner.   Once   approved,   the  resolution  shall  be
16    incorporated as an addendum to the  bank's  charter  and  the
17    board  may  proceed  to  effect  the changes set forth in the
18    resolution.
19    (Source: P.A. 91-322, eff. 1-1-00; 92-483, eff. 8-23-01.)

20        (205 ILCS 5/37) (from Ch. 17, par. 347)
21        Sec. 37. Loans to officers and loans on and purchases  of
22    bank's own stock.
23        (1)  No  state  bank  shall make any loan or extension of
24    credit  in  excess  of  the  limits,  as  determined  by  the
25    Commissioner,  at  any  one  time  outstanding  each  to  its
26    president, or to any of its vice presidents or  its  salaried
27    officers  or  employees  or  directors  or to corporations or
28    firms, controlled by them, or in the management of which  any
29    of  them  are actively engaged, unless such loan or extension
30    of credit shall have been first approved,  by  the  board  of
31    directors.   The  Commissioner shall prescribe such limits by
32    rules.
33        (2)  It shall not be lawful for a state bank to make  any
34    loan  or  discount  on  the security of the shares of its own
 
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 1    capital stock or preferred stock or on the  security  of  its
 2    own   debentures  or  evidences  of  debt  which  are  either
 3    convertible into capital stock or are junior  or  subordinate
 4    in  right  of  payment to deposit or other liabilities of the
 5    bank; provided, however, that a state  bank  may  acquire  or
 6    hold  such  shares  or securities as authorized by subsection
 7    (6) of Section 14 of this Act.
 8        (3)(a)  For purposes of this Section, "control" means (i)
 9    ownership, control, or power to  vote  25%  or  more  of  the
10    outstanding  shares  of  any  class of voting security of the
11    corporation  or  firm,  directly  or  indirectly,  or  acting
12    through or in concert with one or more  other  persons;  (ii)
13    control  in any manner over the election of a majority of the
14    directors of the corporation or firm; or (iii) the  power  to
15    exercise  a  controlling  influence  over  the  management or
16    policies of the corporation or firm, directly or  indirectly,
17    or acting through or in concert with one or more persons.
18        (3)(b)  A  person  does  not have the power to exercise a
19    controlling influence over the management or  policies  of  a
20    corporation or firm solely by virtue of the person's position
21    as an officer or director of the corporation or firm.
22        (3)(c)  A  person  is presumed to have control, including
23    the power  to  exercise  a  controlling  influence  over  the
24    management or policies, of a corporation or firm if:
25             (i)  the person:
26                  (A)  is  an  executive  officer,  director,  or
27             individual   exercising  similar  functions  of  the
28             corporation or firm; and
29                  (B)  directly or indirectly owns, controls,  or
30             has  the power to vote more than 10% of any class of
31             voting securities of the corporation or firm; or
32             (ii) (A)  the person directly  or  indirectly  owns,
33             controls,  or has the power to vote more than 10% of
34             any class of voting securities of the corporation or
 
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 1             firm; and
 2                  (B)  no other  person  directly  or  indirectly
 3             owns,  controls,  or has the power to vote a greater
 4             percentage of that class of voting securities.
 5        (3)(d)  A person  may  rebut  a  presumption  established
 6    under  subdivision  (3)(c)  of  this  Section  by  submitting
 7    written  materials  that,  in  the  Commissioner's  judgment,
 8    demonstrate an absence of control.
 9    (Source: P.A. 92-483, eff. 8-23-01.)

10        Section  10.  The  Savings  Bank Act is amended by adding
11    Section 1007.125 and changing Section 1008 as follows:

12        (205 ILCS 205/1007.125 new)
13        Sec.  1007.125.  Limited  liability  company.    "Limited
14    liability   company"   means   a  limited  liability  company
15    organized under the Limited Liability Company Act.

16        (205 ILCS 205/1008) (from Ch. 17, par. 7301-8)
17        Sec. 1008.  General corporate powers.
18        (a)  A savings bank operating under this Act shall  be  a
19    body  corporate  and politic and shall have all of the powers
20    conferred by this Act including,  but  not  limited  to,  the
21    following powers:
22             (1)  To sue and be sued, complain, and defend in its
23        corporate  name  and  to have a common seal, which it may
24        alter or renew at pleasure.
25             (2)  To obtain and maintain insurance by  a  deposit
26        insurance corporation as defined in this Act.
27             (3)  To act as a fiscal agent for the United States,
28        the  State of Illinois or any department, branch, arm, or
29        agency of the State or any unit of  local  government  or
30        school  district  in  the State, when duly designated for
31        that  purpose,  and  as  agent  to   perform   reasonable
 
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 1        functions as may be required of it.
 2             (4)  To   become  a  member  of  or  deal  with  any
 3        corporation or agency of the United States or  the  State
 4        of  Illinois,  to  the  extent that the agency assists in
 5        furthering or facilitating its purposes or powers and  to
 6        that  end  to  purchase  stock  or  securities thereof or
 7        deposit money therewith, and to  comply  with  any  other
 8        conditions of membership or credit.
 9             (5)  To make donations in reasonable amounts for the
10        public  welfare or for charitable, scientific, religious,
11        or educational purposes.
12             (6)  To  adopt  and  operate  reasonable  insurance,
13        bonus, profit sharing, and retirement plans for  officers
14        and  employees  and  for  directors  including,  but  not
15        limited  to,  advisory, honorary, and emeritus directors,
16        who are not officers or employees.
17             (7)  To reject any application  for  membership;  to
18        retire   deposit   accounts  by  enforced  retirement  as
19        provided in this Act and the bylaws;  and  to  limit  the
20        issuance  of,  or payments on, deposit accounts, subject,
21        however, to contractual obligations.
22             (8)  To purchase stock in service  corporations  and
23        to  invest  in  any  form  of indebtedness of any service
24        corporation  as  defined  in   this   Act,   subject   to
25        regulations of the Commissioner.
26             (9)  To   purchase  stock  of  a  corporation  whose
27        principal purpose is to operate a safe deposit company or
28        escrow service company.
29             (10)  To  exercise  all  the  powers  necessary   to
30        qualify  as a trustee or custodian under federal or State
31        law, provided that the authority to  accept  and  execute
32        trusts  is  subject  to  the  provisions of the Corporate
33        Fiduciary Act and to the supervision of those  activities
34        by the Commissioner.
 
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 1             (11)  (Blank).
 2             (12)  To  establish, maintain, and operate terminals
 3        as authorized by the Electronic Fund Transfer Act.
 4             (13)  To pledge its assets:
 5                  (A)  to enable it to act as agent for the  sale
 6             of obligations of the United States;
 7                  (B)  to secure deposits;
 8                  (C)  to   secure  deposits  of  money  whenever
 9             required by the National Bankruptcy Act;
10                  (D)  (blank); and
11                  (E)  to secure trust funds commingled with  the
12             savings  bank's  funds,  whether  deposited  by  the
13             savings bank or an affiliate of the savings bank, as
14             required   under   Section   2-8  of  the  Corporate
15             Fiduciary Act.
16             (14)  To accept for payment at a future date not  to
17        exceed one year from the date of acceptance, drafts drawn
18        upon  it  by  its  customers;  and  to  issue, advise, or
19        confirm letters of credit authorizing holders thereof  to
20        draw drafts upon it or its correspondents.
21             (15)  Subject    to    the    regulations   of   the
22        Commissioner, to own and lease personal property acquired
23        by the savings bank  at  the  request  of  a  prospective
24        lessee  and,  upon the agreement of that person, to lease
25        the personal property.
26             (16)  To establish temporary service booths  at  any
27        International  Fair in this State that is approved by the
28        United States Department of Commerce for the duration  of
29        the  international  fair  for  the purpose of providing a
30        convenient place for foreign trade customers to  exchange
31        their   home   countries'  currency  into  United  States
32        currency or the converse.  To provide temporary  periodic
33        service  to persons residing in a bona fide nursing home,
34        senior  citizens'  retirement  home,  or  long-term  care
 
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 1        facility.   These  powers  shall  not  be  construed   as
 2        establishing  a  new  place or change of location for the
 3        savings bank providing the service booth.
 4             (17)  To   indemnify   its   officers,    directors,
 5        employees,  and  agents,  as  authorized for corporations
 6        under Section 8.75 of the Business  Corporations  Act  of
 7        1983.
 8             (18)  To  provide data processing services to others
 9        on a for-profit basis.
10             (19)  To  utilize  any  electronic   technology   to
11        provide customers with home banking services.
12             (20)  Subject    to    the    regulations   of   the
13        Commissioner, to enter into an  agreement  to  act  as  a
14        surety.
15             (21)  Subject    to    the    regulations   of   the
16        Commissioner,  to  issue  credit  cards,  extend   credit
17        therewith,  and  otherwise  engage  in  or participate in
18        credit card operations.
19             (22)  To purchase for  its  own  account  shares  of
20        stock  of  a bankers' bank, described in Section 13(b)(1)
21        of the Illinois  Banking  Act,  on  the  same  terms  and
22        conditions  as  a  bank  may purchase such shares.  In no
23        event shall the total amount of  such  stock  held  by  a
24        savings  bank  in  such  bankers'  bank exceed 10% of its
25        capital and surplus (including undivided profits) and  in
26        no event shall a savings bank acquire more than 5% of any
27        class of voting securities of such bankers' bank.
28             (23)  With respect to affiliate facilities:
29                  (A)  to  conduct at affiliate facilities any of
30             the following transactions for and on behalf of  any
31             affiliated  depository institution, if so authorized
32             by the affiliate or affiliates: receiving  deposits;
33             renewing   deposits;  cashing  and  issuing  checks,
34             drafts, money orders, travelers checks,  or  similar
 
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 1             instruments;  changing  money; receiving payments on
 2             existing indebtedness;  and  conducting  ministerial
 3             functions   with   respect   to  loan  applications,
 4             servicing  loans,   and   providing   loan   account
 5             information; and
 6                  (B)  to   authorize  an  affiliated  depository
 7             institution to conduct for and on behalf of it,  any
 8             of the transactions listed in this subsection at one
 9             or more affiliate facilities.
10             A  savings bank intending to conduct or to authorize
11        an affiliated depository institution  to  conduct  at  an
12        affiliate  facility  any of the transactions specified in
13        this  subsection  shall  give  written  notice   to   the
14        Commissioner at least 30 days before any such transaction
15        is conducted at an affiliate facility.  All conduct under
16        this  subsection  shall  be on terms consistent with safe
17        and sound banking practices and applicable law.
18             (24)  Subject  to  Article  XLIV  of  the   Illinois
19        Insurance  Code,  to act as the agent for any fire, life,
20        or other insurance company authorized  by  the  State  of
21        Illinois,   by   soliciting  and  selling  insurance  and
22        collecting premiums on policies issued by  such  company;
23        and  may  receive  for  services so rendered such fees or
24        commissions as  may  be  agreed  upon  between  the  said
25        savings  bank  and the insurance company for which it may
26        act as agent; provided, however,  that  no  such  savings
27        bank shall in any case assume or guarantee the payment of
28        any  premium  on  insurance  policies  issued through its
29        agency by its principal; and provided further,  that  the
30        savings  bank  shall  not  guarantee  the  truth  of  any
31        statement  made  by  an assured in filing his application
32        for insurance.
33             (25)  To become a member of the  Federal  Home  Loan
34        Bank  and  to  have  the  powers  granted  to  a  savings
 
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 1        association organized under the Illinois Savings and Loan
 2        Act  of 1985 or the laws of the United States, subject to
 3        regulations of the Commissioner.
 4             (26)  To offer any product or service that is at the
 5        time authorized or permitted to a bank by applicable law,
 6        but  subject  always  to   the   same   limitations   and
 7        restrictions  that  are  applicable  to  the bank for the
 8        product or service by such applicable law and subject  to
 9        the  applicable  provisions of the Financial Institutions
10        Insurance Sales Law and rules of the Commissioner.
11        (b)  If this Act or the regulations  adopted  under  this
12    Act fail to provide specific guidance in matters of corporate
13    governance, the provisions of the Business Corporation Act of
14    1983 may be used.
15        (c)  A savings bank operating under this Act may, subject
16    to  rules of the Commissioner, convert to a limited liability
17    company  upon  an  authorization  by  the  deposit  insurance
18    corporation.
19    (Source: P.A.  91-97,  eff.  7-9-99;  91-357,  eff.  7-29-99;
20    92-483, eff. 8-23-01.)

21        Section 15.  The Limited Liability Company Act is amended
22    by changing Section 1-25 as follows:

23        (805 ILCS 180/1-25)
24        Sec.  1-25.  Nature  of  business.  A  limited  liability
25    company  may  be  formed  for  any lawful purpose or business
26    except:
27             (1)  (blank)  banking,  exclusive   of   fiduciaries
28        organized  for  the  purpose  of  accepting and executing
29        trusts;
30             (2)  insurance unless, for the purpose  of  carrying
31        on business as a member of a group including incorporated
32        and  individual unincorporated underwriters, the Director
 
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 1        of Insurance finds that the group meets the  requirements
 2        of subsection (3) of Section 86 of the Illinois Insurance
 3        Code  and the limited liability company, if insolvent, is
 4        subject to liquidation by the Director of Insurance under
 5        Article XIII of the Illinois Insurance Code;
 6             (3)  the  practice  of  dentistry  unless  all   the
 7        members  and  managers are licensed as dentists under the
 8        Illinois Dental Practice Act; or
 9             (4)  the  practice  of  medicine  unless   all   the
10        managers, if any, are licensed to practice medicine under
11        the Medical Practice Act of 1987 and any of the following
12        conditions apply:
13                  (A)  the  member  or  members  are  licensed to
14             practice medicine under the Medical Practice Act  of
15             1987; or
16                  (B)  the  member  or  members  are a registered
17             medical  corporation   or   corporations   organized
18             pursuant to the Medical Corporation Act; or
19                  (C)  the  member  or members are a professional
20             corporation organized pursuant to  the  Professional
21             Service  Corporation  Act  of physicians licensed to
22             practice medicine in all its branches; or
23                  (D)  the  member  or  members  are  a   medical
24             limited liability company or companies.
25    (Source: P.A. 91-593, eff. 8-14-99; 92-144, eff. 7-24-01.)

26        Section  99.  Effective date.  This Act takes effect upon
27    becoming law.