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 11.4
13.40%, 15.40%, or 17.40%
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
13.40%, 15.40% or 17.40%, based on y
creditworthiness. 
            This APR will vary with the marke
the Prime Rate.

APR for 
Cash 
Advances

26.49% 
            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

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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.