Exhibit 10.1

FIRST AMENDMENT

TO AMENDED AND RESTATED CUSTOMER BUSINESS AGREEMENT

This First Amendment (the “First Amendment”) is made to that certain Amended and
Restated Customer Business Agreement made as of December 27, 2006 (the
“Agreement”), by and between MasterCard International Incorporated (together
with its Affiliates, “MasterCard”) and Bank of America, N.A. (together with its
Affiliates, “BAC”). Capitalized terms used herein and not otherwise defined
herein shall have the meanings assigned to them in the Agreement. Except as
expressly modified herein, all terms of the Agreement shall remain in full force
and effect as stated in the Agreement and, in the event of a conflict between
the terms of this First Amendment and the Agreement, the terms of this First
Amendment shall govern.

 

1. MasterCard and BAC hereby agree to amend Section 2.4.A of the Agreement by
deleting the first two sentences immediately after the formula and replacing
them with the following:

 

   “…**** Support will be subject to reduction or increase in any Year if ****
for such Year is less than or greater than ****, as the case may be.”

 

2. MasterCard and BAC hereby agree to amend Section 3.2.B.1 of the Agreement by
deleting such Section in its entirety and replacing it with the following:

 

   “1. ‘**** Requirement’ for each Year of the **** Term means **** satisfying
the **** requirements **** as set forth in the table below. In the case of each
of **** for such **** will not be required until the **** of MasterCard Cards in
such ****, as applicable.”

 

****

   ****(in USD)    ****    ****        

****

   $ ****    ****    ****

****

   $ ****    ****    ****

****

   $ ****    ****    ****

****

   $ ****    ****    ****

****

   $ ****    ****    ****

****

   $ ****    ****    ****

 

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****

   ****    ****    ****

****

   ****    ****    ****

****

   ****    ****    ****

* Specific USD **** Requirements will be set for ****, using ****, as utilized
by MasterCard’s QMR process. These **** will be reduced to a writing and
attached to the Agreement.

 

3. MasterCard and BAC hereby agree to amend Section 4.11 of the Agreement by
deleting Gary Flood’s name and replacing it with “Mr. Chris McWilton.”

 

4. MasterCard and BAC hereby agree to amend Exhibit A of the Agreement by
deleting the definition of “Territory” set forth in Section FFF in its entirety
and replacing it with the following definition:

 

     “ ‘Territory’ means the ****.”

 

5. MasterCard and BAC hereby agree to amend Exhibit C of the Agreement by
deleting the first sentence of Section 1 in its entirety and replacing it with
the following:

 

   “1. BAC shall make **** submit fifteen days (15) following the end of each
calendar quarter but no later than thirty (30) days following the end of each
calendar quarter a report for **** (including ****) in the form attached as
Exhibit D hereto, which shall include a **** report for each ensuing quarter of
the Year following such calendar quarter.”

 

6. MasterCard and BAC hereby agree to amend Exhibit D of the Agreement by adding
**** and **** under the heading “****” therein and by adding an asterisk next to
**** with the following footnoted reference: “The parties acknowledge that ****
is not ****, but that a Quarterly Performance and Forecasting Report will be
completed for **** (including ****) nonetheless.”

 

7. The provisions of this First Amendment are hereby incorporated by reference
into, and constitute an integral part of, the Agreement. MasterCard and BAC
acknowledge and agree that each shall be bound and obligated to perform all of
its respective obligations under the Agreement as amended hereby, and that all
references in the Agreement to “the Agreement” shall mean and include the
Agreement, as amended by this First Amendment. Except as provided herein, the
Agreement is ratified and reaffirmed upon the terms stated therein.

**********

[Signature page follows]

 

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IN WITNESS WHEREOF, the parties have entered into this Amendment as of the last
date written below.

BANK OF AMERICA, N.A.

 

By:   /s/ Samantha Wallace   Name:   Samantha Wallace   Title:     Senior Vice
President   Date:     January 8, 2008

MASTERCARD INTERNATIONAL INCORPORATED

 

By:   /s/ Chris A. McWilton   Name:   Chris A. McWilton   Title:     President,
Global Accounts   Date:     January 3, 2008

 

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