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D. Giving or acting upon the results of any professionally developed a ility test provided that <br /> such test, its administration, or action upon the results, is not used as a subterfuge r or does not have the <br /> effect of unlawful discrimination. <br /> E. Applying different standards of compensation, or different terms, con itions or privileges of <br /> employment pursuant to a merit or retirement system provided that such system r its administration is <br /> not used as a subterfuge for or does not have the effect of unlawful discrimination. <br /> F. Effecting compulsory retirement of any employee who has attained 65 ears of age and who, <br /> for the two (2) year period immediately preceding retirement, is employed in a b a fide executive or a <br /> high policymaking position, if such employee is entitled to an immediate nonforfeit ble annual retirement <br /> benefit from a pension, profit-sharing, savings, or deferred compensation plan, any combination of <br /> such plans of the employer of such employee, which equals, in the aggregate, at east $44,000. If any <br /> such retirement benefit is in a form other than a straight life annuity (with no ancil ary benefits) or if the <br /> employees contribute to any such plan or make roll-over contributions, the retire ent benefit shall be <br /> adjusted so that the benefit is the equivalent of a straight life annuity(with no anci lary benefits) under a <br /> plan to which employees do not contribute and under which no roll-over contributio s are made. <br /> G. Establishing an educational requirement as a prerequisite to select on for a training or <br /> apprenticeship program provided such requirement does not operate to discriminat on the basis of any <br /> prohibited classification except age. <br /> H. Making legitimate distinctions based on citizenship status if specifically authorized or <br /> required by State or federal law. <br /> ARTICLE 7. FINANCIAL CREDIT. <br /> SECTION 7-1. The following definitions are applicable only as said wordsr phrases are used in <br /> this Article: <br /> A. "Credit card"has the meaning set forth in Section 2.03 of the Illinois Credit Card Act. <br />