9.1  Each Director, Officer or committee member or former Director, former Officer or former committee member of the Association, shall be indemnified and saved harmless against all liabilities, costs, charges and expenses whatsoever, including an amount paid to settle an action or satisfy a judgment, reasonably incurred by him / her in respect of any civil, criminal or administrative action or proceeding to which he / she is made a party by reason of having been a Director or Officer of the Association save and except any liabilities, costs, charges or expenses incurred by such person's own willful default or neglect.