MB Financial Bank, N.A. Secured
Credit Card Application Disclosure

Interest Rate and Interest Charges

18.90% 
            This APR will vary with the mark
the Prime Rate. 

Annual 
Percentage 
Rate (APR) 
for 
Purchases

APR for 
Balance 
Transfers

18.90% 
            This APR will vary with the mark
the Prime Rate. 

APR for 
Cash 
Advances

25.99% 
            This APR will vary with the mark
the Prime Rate.

Penalty 
APR and 
When it 
Applies

29.99% 

This APR may be applied to your accou
make a late payment. 

            How Long Will the Penalty A
your APRs are increased for this reaso
Penalty APR will apply until you make s
consecutive minimum payments when

            
            
            
            
            
            
            
 
 
 
 
 
 
 
 
Interest Rate and Interest Charges

Your due date is at least 25 days after 
each billing cycle. We will not charge in
purchases if you pay your entire balan
due date each month.

If you are charged interest, the charge 
less than $2.00

To learn more about factors to con
when applying for or using a credit
the website of the Consumer Finan
Protection Bureau at 
http://www.consumernance.gov/

How to 
Avoid 
Paying 
Interest on 
Purchases

Minimum 
Interest 
Charge

For Credit 
Card Tips 
from the 
Consumer 
Financial 
Protection 
Bureau

Fees

Annual Fee

$29 

Transaction Fees 

 Balance 
Transfer

 Either $10 or 4% of the amount of 
each transfer, whichever is greater.

 Cash 
Advance 

 Either $10 or 4% of the amount of 
each cash advance, whichever is 
greater. 

 Foreign 
Transaction

 3% of the transaction amount in 
U.S. dollars.

Penalty 
Fees 

             
            
             
            
              
            
            
Fees

 Late 
Payment 

 Returned 
Payment

 Up to $25

 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)."

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 either

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 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 charged 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.

Security Agreement and Pledge: If we approve

your Account application, you agree that you will be

bound by the terms and conditions of the MB

Financial Bank, N.A. Secured Credit Card and Security

Agreement (the "Agreement"). Your duties and

obligations to us in connection with the Account, any

Cards, and the Agreement are your "Account

Obligations." Before you can be approved, you agree

to provide us with security deposit funds as collateral

and security for your Account Obligations, in an

amount at least equal to your Account credit limit

("Security Deposit Funds"). You agree we may hold all

Security Deposit Funds in a deposit account at MB

Financial Bank, N.A. (the "Security Deposit Account"). 

As security for your Account Obligations and as

provided in the Agreement, you irrevocably and

unconditionally pledge, assign, and grant a security

interest to us in the Security Deposit Account, in any

Security Deposit Funds deposited or held at any time

in the Security Deposit Account, and in any instrument

we may issue to evidence your Security Deposit

Account or the Security Deposit Funds. You agree,

irrevocably and unconditionally, to give up all

possession and control over the Security Deposit

Funds in the Security Deposit Account. You

understand that you may not withdraw Security

Deposit Funds or request a refund of Security Deposit

Funds at any time, unless you close your Account and

we determine that all of your Account Obligations

have been paid in full.