Bonus for individual players is the maximum that a player could obtain for a 20-minute period (attack, defence, possession or condition) where you specify during the match.

Bonus for the team is the maximum that the highest bonus the whole team can receive during that 20-minute (2,4,6,8 and max 10%).

Max 10% team bonus is needed if you wish to achieve any specific areas you want to focus on, while the player himself needs also the max 10% bonus to actually receive that 10% bonus. Eg. If the team bonus is at 10% attack, and if your ST individual bonus is only 8% while your AMC is 10%, then your ST would have 12% added for attack and AMC would have 15% added.

Usually using 2 ads can have the individual player to be maxed (I have discovered a combination that only requires 1 ad, but that is another story), and team bonus to be maxed by using reserves to train for the remainder.