MB Financial Bank, N.A. Consumer
Platinum Credit Card Application
Disclosure

Interest Rate and Interest Charges

Annual 
Percentage 
Rate (APR) 
for 
Purchases

0.0% introductory APR for 6 months.
            After that, your APR will be 10.9
12.90%, 14.90%, or 16.90%
your creditworthiness. This APR will vary
market based on the Prime Rate.

APR for 
Balance 
Transfers

0.0% introductory APR for12 months fro
account opening date, for balance trans
completed within 4 months from the ac
opening date. After that, your APR will b
12.90%, 14.90% or 16.90%, based on y
creditworthiness. 
            This APR will vary with the marke
the Prime Rate.

APR for 
Cash 
Advances

25.99% 
            This APR will vary with the marke
the Prime Rate.

Penalty 
APR and 
When it 
Applies

29.99% 
            This APR may be applied if you m
payment.  

                        How Long Will the Pena
Apply? If your APRs are increased for th
the Penalty APR will apply untill you mak
consecutive minimum payments when d

             
Interest Rate and Interest Charges

Your due date is at least 25 days after th
each billing cycle. We will not charge inte
purchases if you pay your entire balance
due date each month.

If you are charged interest, the charge w
less than $2.00.

To learn more about factors to cons
when applying for or using a credit 
the website of the Consumer Financ
Protection Bureau at 
http://www.consumernance.gov/le

How to 
Avoid 
Paying 
Interest on 
Purchases

Minimum 
Interest 
Charge

For Credit 
Card Tips 
from the 
Consumer 
Financial 
Protection 
Bureau

Fees

Annual Fee

None

Transaction Fees

Balance Transfer

Either $10 or 4% of the amoun

Cash Advance

Either $10 or 4% of the amoun
greater.

3% of the transaction amount i

Foreign 
Transaction

Penalty Fees

Late Payment

Up to $25

Returned Payment Up to $25 

            
            
            
            
            
            
 
Prime Rate Disclosure: After your account is opened,

the "Prime Rate" will be the highest prime rate

published in Money Rates section of The Wall Street

Journal, Eastern edition, on the last business day of

each month on which the paper published this rate

(the "Determination Date"). APR changes based on a

change to the Prime Rate will take eect on the rst day

of the rst billing cycle that begins after the

Determination Date.

How We Will Calculate Your Balance : We use a

method called "average daily balance (including new

purchases)."

Loss of Introductory APR: We may end your

introductory APR and apply the Penalty APR if you do

not pay the full amount of any minimum payment due

within 60 calendar days of its payment due date.

IMPORTANT INFORMATION ABOUT PROCEDURES

FOR OPENING A NEW ACCOUNT: To help the

government ght the funding of terrorism and money-

laundering activities, federal law requires all nancial

institutions to obtain, verify, and record information

that identies each person who opens an account.

What this means for you: When you open an account,

we will ask for your name, address, date of birth, and

other information that will allow us to identify you. We

may also ask to see your driver's license or other

identifying documents.

Military Lending Act Disclosure: Federal law

provides important protections to members of the

Armed Forces and their dependents relating to

extensions of consumer credit. In general, the cost of

consumer credit to a member of the Armed Forces and

his or her dependent may not exceed an annual

percentage rate of 36%. This rate must include, as

applicable to the credit transaction or account: The

costs associated with credit insurance premiums; fees

for ancillary products sold in connection with the credit

transaction; any application fee charged (other than

certain application fees for specied credit transactions

or accounts); and any participation fee charged (other

than certain participation fees for a credit card

account). 

If you would like to hear about your Military

Lending Act rights, please contact us at 888-514-

6847. 

Credit Reports And Other Information About Your

Creditworthiness: By applying to MB Financial Bank,

N.A. ("we," "us," and "our") for a credit card account, the

applicant ("you" and "your") agrees we may obtain

consumer credit reports about you for purposes of

reviewing your application. If we open a credit card

account for you (the "Account"), you also agree that we

may obtain consumer credit reports about you in the

future for purposes such as reviewing, updating,

renewing, and servicing your Account and other

purposes permitted by law. We will, if you request, tell

you whether we obtained a credit report about you and

tell you the name and address of any credit reporting

agency that provides your credit report to us. You also

agree that we may verify your employment, income,

address, and all other information about you with

creditors, credit reporting agencies, employers, and

other third parties, and through records maintained by

government agencies. You waive any rights of

condentiality you may have in this information, to the

extent permitted under applicable law.

Other Important Terms Of Your Agreement With

Us: You understand that we will rely on the information

you provide in your Account application. You certify the

information in your Account application is accurate and

complete. You will be individually liable Account for all

amounts, transactions, fees, and charges contained in

the credit card agreement we provide when opening

the Account, which may be amended from time to time.

You agree to read the agreement carefully before you

use or permit anyone else to use the Account. If we

intend to deny your application for the particular credit

card account selected in your application, you agree

that we are automatically authorized to consider your

eligibility for our other credit card products. By applying

for the Account, you certify that you read, understood

and agree to the terms, conditions, and disclosures

made in this application.  

Applicants under 21 years old must demonstrate an

independent ability to pay the debt.

Your Consent For Our Communications With You:

By providing a telephone number for a cellular

telephone or other wireless device in your application

for the Account, you expressly consent to receiving

communications at this number from us and our

agents or designated representatives, regardless of the

purpose of the communications and in any form

possible and not expressly prohibited by law (including,

but not limited to, prerecorded or articial voice

message calls, text messages, and calls made by an

automatic telephone dialing system). You agree that

this express consent applies to any communication at

each such telephone number that you provide to us,

now or in the future. You understand that you may

incur access fees from your cellular provider in

connection with these calls and messages.

Notice To Cardmembers and Authorized Users

About Negative Information Furnishing: We may

report information about your account to credit

bureaus. Late payments, missed payments, or other

defaults on your account may be reected in your

credit report.  

Married applicants may apply for separate MB

Accounts in their own names.

California Residents: The applicant, if married, may

apply for a separate account. If we approve an

application for the Account, each applicant shall have

the right to use the account to the extent of its

assigned credit limits and each applicant may be liable

for all of the credit we extend under the Account to

each joint applicant.

Delaware Residents: Service charges not in excess of

those permitted by law will be charged on the

outstanding balances from month to month.

New York Residents: New York residents may contact

the New York State Banking Department at 1-877-226-

5697 to obtain a comparative listing of credit card

rates, fees, and grace periods.

Ohio Residents: The Ohio laws against discrimination

require that all creditors make credit equally available

to all creditworthy customers and that credit reporting

agencies maintain separate credit histories on each

individual upon request. The Ohio Civil Rights

Commission administers compliance with this law.

Oregon Residents: Service charges not in excess of

those permitted by law will be carged on the

outstanding balances from month to month. You may

pay more than the minimum payment due, up to your

entire outstanding balance, at any time.

Notice to Married Wisconsin Residents: No

provision of any marital property agreement, unilateral

statement, or court decree adversely aects our

interests or rights unless, before we grant credit or

enter into an open-end credit plan, we are furnished

with a copy of the agreement, statement, or decree, or

have actual knowledge of the adverse provision.

Married Wisconsin residents who apply for credit

separately must notify us, in writing, of the name

and address of their spouse, at the following

address: MB Financial Bank, N.A., 6111 North

River Road, Attention Credit Card Services,

Rosemont, Illinois 60018.

Balance Transfers: A "Balance Transfer" is a balance

we allow you to transfer to your Account from an

account you owe to another nancial institution or

creditor. To complete a Balance Transfer, there must

be enough credit available in your Account for the

Balance Transfer and you must use a written, electronic

or telephonic method or device that we approved for

this purpose. All Balance Transfers are subject to our

approval. We will not process Balance Transfer

requests we consider incomplete or illegible. We will

not process requests for a Balance Transfer payable

directly to you, to us, or to any of our aliates. We are

not liable to you if we do not process part or all of any

Balance Transfer you request. We may make Balance

Transfers in any order we choose. We may also limit the

amount of Balance Transfers to your Account, to an

amount that is less than the total credit limit of your

Account. If we do not approve the full amount of any

Balance Transfer you request, we may process part or

none of the Balance Transfer amount you requested.

Do not request a Balance Transfer for any amount that

is or may be subject to a dispute between you and any

other nancial institution or creditor. After you request

a Balance Transfer, you should still monitor and pay at

least the minimum amount due on your other account,

until the other institution sends an account statement

to you showing that you are no longer required to

make any account payment. You are liable to your

other nancial institutions for any fees, charges, and

amounts due under their credit agreements with you,

including any late payment fees and nance charges

you may owe if a Balance Transfer or any other

payment is not completed in the time and manner

required by the other institution. We will not instruct

any other nancial institution to close their account

with you after we process a Balance Transfer. If you

want to close your account with another institution

after we process a Balance Transfer, you must instruct

the other institution to do so. We will begin charging

interest on Balance Transfers on the transaction date.

Rewards program rules: We will award one point for

each dollar spent on net purchases (purchases minus

returns/credits) charged to an Account. There is no

limit to the number of points you can earn with an

Account. Points will not be awarded to an Account for

net purchases if your Account is not open and current.

Points will not be awarded for transactions or debits

other than purchases made with your Account, (such as

cash advances, balance transfer, special oers, fees or

interest) as dened in the Cardholder Agreement.

Points will be awarded to your Account and may be

redeemed by registering online with our service

provider. You can redeem points for round-trip airfare,

cash, gift certicates, merchandise, and more.

Complete terms and conditions for your Account

Rewards Program will be available to you on

mybankmyrewards.com.

Complete terms and conditions for the Mastercard

Guide to Benets will be provided to you in your card

fulllment packet.

The creditor and issuer is MB Financial Bank, N.A.