MB Financial Bank, N.A. Consumer Credit Card Agreement

This MB Financial Bank, N.A. Consumer Credit Card Agreement describes terms and conditions
that apply to your consumer credit card account with MB Financial Bank, N.A. (the “Account”).

Basic Definitions
The words “we,” “us,” “our,” and “MB Financial Bank” mean MB Financial Bank, N.A., and its
agents, authorized representatives, successors, and assignees. The words “you” and “your”
mean each person (as an individual) and all persons (as a group) who apply for the Account,
who are responsible for repaying the Account, or on whose behalf we issue a Card. An
“Authorized User” means a person that you authorize or allow to use, access, or service a Card
or the Account, but who is not directly responsible for repaying the Account. The term “Card”
means any card we issue associated with your Account, including renewal and substitute cards.
The term “Card” also means any other access device that allows you or an Authorized User to
obtain Account credit from us, including your Account number. Other capitalized terms that are
not defined here are generally defined the first time we use those terms.

Overview of Account Agreement
Our Account agreement with you (the “Agreement”) is contained in and governed by:

(1) this document, called the Consumer Credit Card Agreement;
(2) all Account disclosures and terms provided to you before or when the
Account is opened, including the terms you accepted when applying for the
Account, disclosures in our Credit Card Account Opening Disclosures (the
“Account Opening Disclosures”), and any terms we provided in written materials accompanying
your Card;
(3) all other documents, disclosures and terms that relate specifically to your Account, including:

• all rewards disclosures, if your Account has rewards;
• the Card benefits brochure that describes benefits provided by any payment
card network displayed on your Card (each, a “Payment Card Network”);
• the Security Agreement, if you have a secured Card;
• the privacy notices we provide to you;
• the terms shown on periodic billing statements for your Account (each, a “Statement”);
and

(4) any future changes we make to any of the above items, as permitted or required by
applicable law.

You agree that this Agreement becomes effective the first time you or an Authorized User uses
any Card or the Account. You also agree that we may keep and use an image or copy of the
Agreement to enforce its terms against you. When the Agreement states we “may” take an
action, it means we are authorized to take that action in our sole discretion, subject only to any
limitations or requirements established by law and the express terms of the Agreement. Please
read these materials carefully and keep them for future reference. We may make new offers to
you in the future or forward offers from others that may interest you. If these offers have new or
different terms, those terms will be provided with the offer. If you accept the offer, the previously
disclosed terms in the Agreement will still apply, except as modified by the offer.

Account Information We Need
We need complete, current and valid information about you to manage your Account, including:
your legal name; your address(es); your telephone number(s); your date(s) of birth; your
employment and income information; and your Social Security number(s) or other government

identification number(s). If we agree to issue additional Cards and add Authorized Users to your
Account, we will need the same information about the Authorized User to manage your Account.
You must tell us when this information changes. You may update your address as described on
your most recent Statement, through the website we maintain for your Account, or by calling us
at the telephone number shown on your most recent Statement or the back of your Card. We
may require that you provide additional documents that are acceptable to us so that we can
verify this information and any changes. We may restrict or close your Account, if we are unable
to verify your information or you do not provide the additional information we request.

Balance Categories of Your Account
“Balance Categories” are the different Account segments we may establish with unique pricing,
grace periods or other terms. The Balance Categories of your Account include Purchases, Cash
Advances, Balance Transfers, and Special Offers. We reserve the right to decide which Balance
Category applies for each Account transaction and our decision will be final.
A “Purchase” means the property, rights, goods and services we allow you to purchase, rent, or
otherwise obtain directly from merchants and vendors by using your Card.

A “Cash Advance” means a loan you obtain from us in cash, or something we
consider to be a cash equivalent, by using the Card or Account. For example, we consider wire
transfers, travelers’ checks, money orders, foreign currency, lottery tickets, gaming chips, and
wagers to be cash equivalents.

A “Balance Transfer” means a balance we allow you to transfer to the Account from an account
that you owe to another financial institution, by using any written, electronic, or telephonic
device or method we approve for this purpose.

A “Special Offer” means transactions and balances that post to your Account, subject to unique
pricing, grace periods, or other terms we disclose from time to time for promotional and other
reasons. Our Special Offer disclosures will explain when any unpaid Special Offer balances
may be transferred to and combined with a different Balance Category after any temporary rate
period ends.

Your Promises To Us
You promise to do everything the Agreement requires of you, as long as your Account has a
balance or remains open. Each of you and all of you promise, individually and together, to pay
us all amounts due on your Account, now and in the future. This includes amounts where you
did not sign a purchase slip or other documents for the transaction. If you use your Card number
without presenting your actual Card (such as for mail, telephone or Internet purchases), these
transactions will be treated as if you used the Card in person. The amounts due on your
Account include all transactions in each Balance Category made by any of you and any
Authorized User, plus all Fees and all Interest Charges, as described in this Agreement. Your
“Interest Charges” are the charges we add to your Account based on the Annual Percentage
Rates we apply to your Account balances. Your “Fees” are the charges we add to your Account
that are not based on the Annual Percentage Rates. If you allow someone else to use your
Card, you are responsible for all transactions made by that person and all associated Fees and
Interest Charges. If you die, your promise to pay us will apply to your estate, as permitted by
law.

Using Your Account and Card

You and your Authorized Users may use your Card and the Account for making Purchases and
for obtaining Cash Advances, Balance Transfers, and Special Offers, as permitted by this
Agreement and applicable law.

You agree to sign the Card immediately after you receive it. The Card is valid during the dates
shown on the front. The Card is our property and you agree to return it to us or destroy it, if we
ask. You agree to take reasonable steps to prevent the unauthorized use of your Card and
Account.

We are not responsible to you if someone refuses to accept your Card for any reason. We may
reject any transaction for any reason. We may limit the combined dollar amount or the total
number of certain Account transactions, such as Cash Advances, allowed during a single day or
other time periods. We may restrict or delay the availability of Account credit, to protect you and
us against potential fraud, unauthorized transactions, Account misconduct or misuse, or for
other risk management reasons. We will not be liable to you if this happens.

You agree not to use, try to use, or permit use of the Card or Account for any Internet gambling
transactions or any other transactions that are illegal or not permitted by us. Even if you do, you
must still pay us for these transactions and they remain subject to all other terms of our
Agreement. You must reimburse the Payment Card Network and us for all damages and
expenses associated with these transactions.

From time to time, Account services may be unavailable to you and your
Authorized Users, due to circumstances beyond our control, such as system
failures, fires, floods, natural disasters or other unpredictable events. When this happens, you
may be unable to use your Card or obtain Account information. We will not be responsible or
liable to you if this happens.

Using a PIN
We may give you a personal identification number (“PIN”). For security reasons, you may have
to provide the PIN before you are able to complete some transactions using the Card. With a
PIN, you may use your Card to obtain cash from certain automated teller machines (“ATM”) or
make Purchases at certain merchant point-of-sale devices (“POS”). You may do these things if
the ATM or POS requires entry of a PIN and displays the logo of the Payment Card Network on
your Card. We will treat all ATM transactions as Cash Advances and all POS transactions as
Purchases. Keep your PIN secure and do not write it down, give it to anyone, or keep it with
your Card. If you lose your Card or believe someone has gained unauthorized access to your
PIN, you must contact us immediately.

Authorized Users
We may limit an Authorized User’s ability to initiate certain transactions. If we do, we will tell you
about these limitations before we add any new Authorized User on your Account. Once we add
an Authorized User to your Account, you agree we may discuss your Account with them and
provide them with Account information. You are responsible for the Authorized User’s use of the
Card and your Account, as well as anyone else that you or they allow to use your Card or
Account. This will be true, even if you did not want, or agree to, the use.

If you want to remove an Authorized User from the Account, you must contact us as provided on
your most recent Statement and request their removal. We will have a reasonable amount of
time after your request to research your Account information and remove an Authorized User.
You must immediately destroy all Cards in the Authorized User’s possession and cancel all of

their billing arrangements to the Account. We will not do this for you. During this time, you are
still responsible for all amounts they charge to the Account. You will be responsible, even if
these amounts do not appear on the Account until later. An Authorized User may remove
themselves from the Account at any time, upon request. We may close your existing Account, or
issue a new Card with a new Account number, after you remove an Authorized User.

Statements and Billing Cycles
The documents or information we provide after each Billing Cycle through your Statement will
disclose important information about your Account, including your Account transactions,
payments, Fees, Interest Charges, unpaid balances in each Balance Category, and payment
requirements. The intervals of time between your regular Statements (each, a “Billing Cycle”)
are generally equal (approximately 30 days), but may vary slightly in length. Your first Billing
Cycle may be more or less than 30 days. You must pay any Minimum Interest Charge and any
Fees due after your first Billing Cycle, even if it is for a period less than 30 days. Your
Statements disclose the specific length of each Billing Cycle. Your Account will continue to have
Billing Cycles, even if a Statement is not required after any Billing Cycle.

We will send a single Statement to you for all Cards on your Account, except when we are not
required or permitted by law to send a Statement. We will send a Statement at the end of each
Billing Cycle when your Account has a debit or credit balance of more than $0.01, if we have
charged any Interest Charges to your Account, or as otherwise required by law.

Disputed Transactions
You must promptly inspect each Statement you receive and tell us about any errors or
questions you have, as described in the “Billing Rights” section of your Statement and this
Agreement. If you do not notify us as provided in these disclosures, we may assume that all
information in the Statement is correct. If you dispute a transaction made by you or someone
else on your Account, and we later credit your Account for all or part of the disputed amount,
you agree to:

(1) Give us all of your rights against that other person;
(2) Give us any merchandise or other purchases you received in connection
with the disputed amount, if we ask;
(3) Not pursue any claim or reimbursement from the merchant and other
person; and
(4) Help us pursue and obtain reimbursement from the merchant and that other person, by
promptly returning documents with any signatures we may request and otherwise providing us
with reasonable cooperation.

No Warranties
Except as otherwise provided in the “Billing Rights” section of your Statements and this
Agreement, we are not responsible for any claim you might have regarding the Purchases of
goods or services made with your Card from any merchant or vendor.

Lost or Stolen Cards; Unauthorized Use
You must take reasonable steps to prevent the unauthorized use of your Card and Account. If
you notice the loss or theft of your Card, or a possible unauthorized use of your Card, you
should write to us immediately at the address provided on your Statement or call us at the
telephone number provided on your Statement. You will not be liable for any unauthorized use
that occurs after you notify us. You may, however, be liable for unauthorized use that occurs
before your notice to us. In any case, your liability will not exceed $50 (or any lesser amount

required by law or as provided under the express terms of a benefit provided by a Payment
Card Network). If we reimburse your Account for unauthorized charges made using your Card,
you agree to help us investigate, pursue and obtain reimbursement from the wrongdoer. Your
help includes giving us documents that we ask for and that are acceptable to us.

Credit Limits
We will disclose information about your Account credit limits when we open it. Your Statements
will also disclose information about your Account credit limits. We may assign different credit
limits for the different Balance Categories of your Account. For example, your credit limit for
Cash Advances, Balance Transfers, or Special Offers may be lower than your credit limit for
Purchases or the overall credit limit of your Account. We may raise, lower, restrict, or cancel
your credit limit on any Balance Category or the Account at any time and for any reason, subject
to any notices that are required by law. This will not affect your obligation to pay us. You are
responsible for keeping track of your Account balances and available credit. You agree not to
allow your Account to go over any credit limit. We may honor transactions above your credit
limits, but, if we do, this will not increase your credit limit and you must pay us the full amount of
these transactions.

Balance Transfers
We may allow you to transfer balances to the Account that you owe to other creditors or
financial institutions, up to the amount of your credit limit we make available for Balance
Transfers. You may not ask us to process a Balance Transfer for any amount you already owe
to us or any of our related companies, unless we give you our express permission to do so.

All Balance Transfers are subject to our approval. We will not process a Balance Transfer
request we consider incomplete or illegible. You may use only the devices and methods we
have approved for Balance Transfers. If we do not approve the full amount of any Balance
Transfer you request, we may process part of the amount you request as a Balance Transfer or
decline the entire request. 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.

You agree not to request a Balance Transfer for any amount that is or may be the subject of a
dispute between you and any other creditor or financial institution. If you do, you understand this
may prevent you from exercising your dispute rights against other creditors and financial
institutions. We are not liable to you for disputes you may have with other creditors and financial
institutions.

If you request a Balance Transfer, you agree to monitor your other accounts and continue
making the minimum payments due on these accounts until your other creditor or financial
institution provides an account statement that shows the balance of your other account has
been paid in full. This may not happen until after the Balance Transfer appears on a Statement
from us. You are liable for any late payments, finance charges or disputed amounts on your
other accounts. If you want your other accounts closed following a balance transfer, you are
responsible for instructing your other creditor or financial institution to do so.

Interest Charges
We will charge Interest Charges to your Account as shown in the Agreement, including your
Account Opening Disclosures and Statements.

We figure the Interest Charges on your Account by applying a Daily Periodic Rate to an
“Average Daily Balance” of each Balance Category in your Account. To get the “Average Daily

Balance,” we take the beginning balance of your Account each day (including any previously
billed and unpaid transactions, Interest Charges and Fees), add any new Fees and Account
transactions (including Purchases, Cash Advances, Balance Transfers, Special Offers, or debit
adjustments), and then subtract any unbilled Interest Charges and any payments or credits.
This gives us the “Daily Balance” in each Balance Category. Then, we add up all the Daily
Balances in each Balance Category for the Billing Cycle and divide the total by the number of
days in the Billing Cycle. This gives us the “Average Daily Balance.” Your Statements disclose
the “Average Daily Balance” of each Balance Category as the “Balance Subject To Interest
Rate.”

Interest Charges begin to accrue from the earlier of the date of the transaction, the date the
transaction is processed and first posts to your Account, or the first day of the Billing Cycle,
except as prohibited by law or as otherwise described in the Agreement. Interest Charges
accrue on each unpaid amount until it is paid in full. Billed and unpaid Interest Charges are
added to the proper Balance Category of your Account.

There is no grace period during which you can avoid Interest Charges on Cash Advances or
Balance Transfers. We will not assess Interest Charges during a Billing Cycle for any new
Purchases made during that Billing Cycle, if you pay the previous month’s New Balance in full
by its payment due date or if your previous month’s New Balance was zero or a credit amount.
Each month that you pay your “New Balance” in full by the payment due date, you will have a
minimum grace period of 25 days with no Interest Charges on all new Purchases made during a
Billing Cycle. If you have been paying your Account in full with no Interest Charges applied to
Purchases, and you do not pay the next New Balance of your Account in full, we will assess
prorated Interest Charges on the unpaid balance of your Purchases, as permitted or required by
law. There is no grace period on any new Purchase transaction when there is an unpaid
balance from a previous Statement. A Special Offer transaction is not subject to a grace period,
unless the terms we provided with the Special Offer expressly state that these transactions are
subject to a grace period.

To determine the “Daily Periodic Rate” that applies to each Balance Category, we divide the
corresponding Annual Percentage Rates by the number of days in a year. The resulting Daily
Periodic Rate is carried three places past the decimal point and the last digit is rounded. We
calculate your total Interest Charges by multiplying the Average Daily Balance of each Balance
Category by its Daily Periodic Rate and then multiplying the result by the number of days in the
Billing Cycle. This calculation may vary slightly from the Interest Charges we actually charge
after a Billing Cycle, due to the effects of rounding or as a result of any Minimum Interest
Charge that applies.

Your Account Opening Disclosures disclose the Daily Periodic Rates and the corresponding
Annual Percentage Rates that apply to each Balance Category. Your Account Opening
Disclosures disclose the Minimum Interest Charges that will be due if any Balance Category of
your Account is subject to Interest Charges after a Billing Cycle. Your Account Opening
Disclosures also disclose which Annual Percentage Rates and Daily Periodic Rates may vary
from Billing Cycle to Billing Cycle, based on changes to a published index rate. These Account
Opening Disclosures identify the index rate we use, and the different margins we add to the
index rate to determine the variable Annual Percentage Rates. If the Daily Periodic Rates and
corresponding Annual Percentage Rates increase with changes to the index rate, then your
Interest Charges will increase and your Minimum Payment Due may also increase.

Fees

You must pay the following Fees we charge to your Account, in the amounts shown on your
Account Opening Disclosures, shown in this Agreement, or disclosed to you at the time you ask
us to provide particular services to you or on your behalf.

Annual Fee: We may charge you this Fee for making the Account available and issuing Cards to
you and your Authorized Users. We will post and treat this Fee as a Purchase transaction.

Late Payment Fee: We may charge you this Fee if we do not receive your payment in time to
credit it by the due date shown on your Statement. We will post and treat this Fee as a
Purchase transaction.

Returned Payment Fee: We may charge you this Fee each time any payment you make to us is
not paid by your financial institution for any reason, even if that institution later pays it. We will
post and treat this Fee as a Purchase transaction.

Cash Advance Fee: We may charge you this Fee each time you obtain a Cash Advance. We
will post and treat this Fee as a Cash Advance transaction.

Balance Transfer Fee: We may charge you this Fee each time you obtain a Balance Transfer.
We will post and treat this Fee as a Balance Transfer transaction.

Copying Fee: We may charge you a Fee of $10.00 for each copy of a transaction document or a
Statement you request, unless they are required to resolve a billing dispute. We will post and
treat this Fee as a Purchase transaction.

Fees for Faster Payment Services: We may make services available that allow you to make
faster payments through a customer service representative using a telephone, the Internet or
other payment system. We will describe the terms for using these services before you use them.
You do not have to use these other payment services, and we may charge you a Fee for using
them. If we do, we will tell you the amount of the Fee at the time you request the service. We
are not responsible if a payment made using our payment services is rejected or not paid. Even
if it is, we may still keep the Fee. We will post and treat these Fees as a Purchase transaction.

Foreign Transaction Fee: We may charge you this Fee each time you make a transaction in a
foreign currency or make a transaction in a country outside the United States. This Fee will post
to the same Balance Category as the transaction (for example, as a Purchase or Cash
Advance), and be treated as other transactions that post to this Balance Category.

Transactions Made in Foreign Currencies
If you make a transaction in a foreign currency, the Payment Card Network will convert it into a
U.S. dollar amount. The Payment Card Network will use its currency conversion procedures in
effect when it processes the transaction. The conversion rate in effect on the processing date
might differ from the rate in effect on the transaction or posting date. We do not currently adjust
the currency exchange rate.

Minimum Payments
Unless an event of default occurs as described in the “Account Default” section below and we
require you to make immediate payment of your entire Account balance, the “Minimum Payment
Due” after each Billing Cycle is the greater of: (1) all accrued and unpaid Interest Charges, plus
all accrued and unpaid Fees, plus all past due amounts, plus any amount by which your
Account balance exceeds a credit limit, plus one percent (1%) of the remaining New Balance of

your Account; or (2) $35.00 (or the entire New Balance, if less than $35.00). Your Statements
will provide instructions for making payments, including the amount due and the due date for
receiving your payment. Your Statement will also disclose the Minimum Payment Due. To avoid
a Late Payment Fee, you must pay us at least this Minimum Payment Due by the due date
shown on the Statement.

In addition to the Minimum Payment Due, you may pay all or part of the total balance of your
Account at any time. You must still pay at least the Minimum Payment Due after each Billing
Cycle, even if you paid more than the Minimum Payment Due in connection with the previous
Billing Cycle. We will continue to charge Interest Charges during Billing Cycles when you carry a
balance, regardless of whether your Statement includes a Minimum Payment Due.

Making Payments
Your payments to us must be in U.S. dollars from a U.S. deposit account and must otherwise be
acceptable to us. We do not accept cash payments through the mail. You may not make
Account payments with funds borrowed from your Account or any other credit account with us or
any affiliate within our family of companies. You agree to follow the payment requirements we
disclose on Statements from time to time. You must mail payments to us at the address
provided on your Statement or as otherwise instructed by us or our agents. We will credit it to
your Account on the day we receive it, if:

(1) you send the payment coupon included with your Statement in the same envelope with your
payment;
(2) you include your Account number on your payment; and
(3) your payment arrives at the address indicated on the payment coupon in our processing
center by the time indicated on your Statement.

If your due date occurs on a day on which we do not receive payments, any payment received
the next day that conforms to the above requirements will not be treated as late. Please allow at
least five (5) days for postal delivery. Unless we or our agents specifically instruct you to remit
payment in a different manner, payments received at any other location or in any other form
may not be credited for up to five (5) days. This may cause you to be charged Late Payment
Fees and additional Interest Charges.

If you give your Account number or other Account information to someone else to make a
payment for you, we may provide Account information to them and process their payment as if
you made it. We may refuse to accept any payment made by someone else for your Account. If
we accept a payment made by someone else for your Account, you will be responsible for the
payment made, even if that payment is rejected or not paid.

How We Apply Your Payments
We apply your payment of a Minimum Payment Due to Balance Categories with lower Annual
Percentage Rates before Balance Categories with higher Annual Percentage Rates. We apply
any portion of a payment that exceeds your Minimum Payment Due to Balance Categories with
higher Annual Percentage Rates before Balance Categories with lower Annual Percentage
Rates, except as otherwise required by law.

Payment Processing
We may accept and process payments without losing any of our rights. Even if we credit your
payment to your Account, we may delay the availability of Account credit until we confirm that
your payment has cleared. We may resubmit and electronically collect returned payments. We

may also adjust your Account as necessary to correct errors, to process returned and reversed
payments, and to handle similar issues.

An “Item” means a check, draft, money order or other negotiable instrument you use to pay your
Account. This includes any image of these instruments. When you provide an Item as payment,
you authorize us either to use information from your Item to make a one time electronic funds
transfer from your deposit account or to process the payment as a check transaction. When we
use information from your Item to make an electronic funds transfer, funds may be withdrawn
from your deposit account as soon as the same day your payment is received and you will not
receive your Item back from your financial institution. You may contact us and ask that we not
process your future Items in this way. If we process the payment as a check transaction, you
understand and agree that we may convert your Item into an electronic image that can be
collected from your depository institution as a substitute check. We will not be responsible if an
Item you provide has physical features that, when imaged, result in it not being processed as
you intended.

Items with Restrictive Words, Conditions or Instructions
All Items that have restrictive words, conditions, limitations or special instructions added
(including Items marked with the words “Paid in Full” or similar language), and all accompanying
communications, must be mailed to and received at: MB Financial Bank, N.A, Attn: Credit Card
Services, P.O. Box 84032, Columbus, GA 31908-4032. If you make your payment or send any
accompanying communications to any other address, we may accept and process the payment,
without losing any of our rights.

Credit Balances
We may reject and return to you any payment that creates a credit balance on your Account.
Any credit balance we allow will not be available until we confirm that your payment has cleared.
We may reduce the amount of any credit balance by any new amounts billed to your Account.
You may contact us as provided on your Statement and request a refund of any available credit
balance. If you contact us in writing, we will refund your credit balance within seven (7) business
days from our receipt of your written request. A business day means any day in which our
offices are open for the processing of Account payments and credits.

Account Default
We may consider you in default of your Agreement with us if:

(1) you do not make any payment when it is due;
(2) any payment you make is rejected, not paid or cannot be processed;
(3) you exceed a credit limit;
(4) a bankruptcy or other insolvency proceeding is filed by or against you;
(5) you die or are legally declared incompetent or incapacitated;
(6) we determine that you made a false, incomplete or misleading statement on any of your
Account documentation, or you otherwise tried to defraud us;
(7) you do not comply with any term of this Agreement or any other agreement with us; or
(8) you permanently reside outside the United States.

For certain actions, including changing the Interest Charges and Fees on your Account, our
options appear in the Account Opening Disclosures we provided when opening your Account.
We may apply a Penalty APR to all Account balances and any new Account transactions, if you
do not pay the full amount of any Minimum Payment Due within sixty (60) days of its payment
due date. If your Annual Percentage Rates are increased for this reason, the Penalty APR will

apply indefinitely, unless you make six (6) consecutive Minimum Payments Due by their
respective due dates, beginning with the first payment due after the Penalty APR takes effect.

Paying the Interest Charges and Fees charged in connection with a default will not, by itself,
cure the default. If you are in default, we may take the following actions without notifying you,
unless the law says that we must notify you:

(1) close or suspend your Account;
(2) lower your credit limits;
(3) increase your Minimum Payment Due;
(4) demand that you immediately pay the entire balance owing on your Account
(for example, as described in the Minimum Payment section);
(5) continue to charge you Interest Charges and Fees as long as your balances remain
outstanding; and/or
(6) pursue any other action against you that the law allows, which includes the filing of a lawsuit
against you.

You agree to pay us all of our collection expenses, attorneys’ fees, and court costs, unless the
law does not allow us to collect these amounts.

Communications
We may contact you from time to time about your Account. We may contact you in any manner
we choose, unless the law says that we cannot. For example, we may:

(1) contact you by mail, telephone, email, fax, recorded message, text message
or personal visit;
(2) contact you using an automated dialing or similar device (“Autodialer”);
(3) contact you at your home and at your place of employment;
(4) contact you on your mobile telephone;
(5) contact you at any time, including weekends and holidays;
(6) contact you with any frequency;
(7) leave recorded and other messages on your answering machine/service and with others;
and
(8) identify ourselves, your relationship with us, and our purpose for contacting you, even if
others might hear or read it.

Our contacts with you about your Account are not unsolicited and may result from information
we obtain from you or others. We may monitor or record any conversation or other
communication with you. Unless the law prohibits us from doing so, we may modify or suppress
caller identification and similar services, and identify ourselves on these services in any manner
we choose. When you give us or we obtain your mobile telephone number, we may contact you
at this number using an Autodialer and can also leave recorded and other messages. We may
do these things, whether we contact you or you contact us.

If you ask us to discuss your Account with someone else, you must provide us with documents
and authorization that we ask for and that are acceptable to us.

Credit Reports
We may provide information about you and the Account to consumer credit reporting agencies.
We may also provide information about you and the Account to others as described in our
Privacy Notices. Information we provide might appear on credit reports about you and

Authorized Users. This could include negative information, if you do not comply with the terms
of this Agreement. We may obtain and use credit and income information about you from
consumer credit reporting agencies and others as the law allows.

If you believe we have reported inaccurate information about you to a credit reporting agency,
notify us in writing at: MB Financial Bank, N.A., Attn: Credit Card Services, 6111 N. River Road,
Rosemont, IL 60018. In doing so, identify yourself, your Account, the information you believe is
inaccurate, and tell us why you believe the information is incorrect. If you have supporting
documents or information, such as a copy of a credit report that includes information you believe
is inaccurate, send us the supporting documents and information, too.

Closing or Suspending Your Account
You may ask us to close your Account by calling or writing us as described on your Statement.
If you do, we may provide you with additional details about this process and request certain
information from you, including payment information. If you use your Card or charges post to
your Account after you ask us to close it, we may keep your Account open or reopen it.

We may close or suspend your Account and your right to obtain credit from us. We may do this
at any time and for any reason, as permitted by law, even if you are not in default. A suspension
of your Account might be permanent or temporary.

If your Account is closed or suspended for any reason, you must stop using your Card. You
must also cancel all recurring charges or similar billing arrangements connected with the
Account. We will not do this for you. If we close or permanently suspend your Account, you
must also destroy all Cards. You must still pay us all amounts you owe on the Account, even if
these amounts are charged after your Account is closed or suspended.

Changes to Your Agreement
You may not change the Agreement, unless one of our authorized officers expressly agrees to
do so in a signed writing. We may, at any time, add, delete or change any term of this
Agreement, unless the law prohibits us from doing so. We will give you any notice and wait any
time period required by law before the changes take effect. If we notify you of changes, we will
send you a separate notice or inform you on your Statement. We may send this notice to you
electronically, as permitted by law. Our notice will tell you when and how the changes will take
effect and describe any rights you have in connection with the changes.

All of the variable Annual Percentage Rates of your Account can go up or down in each Billing
Cycle, as the published index for these rates goes up or down. If we increase your Interest
Charges for any other reason, we will notify you in writing. If we increase your Fees or change
other significant Account terms, we will notify you in writing and inform you of your options,
including any right to reject these changes.

We may increase your Interest Charges for new Account transactions and your Fees after the
first year of the Account. We may change any other terms of your Account at any time, after
giving you any notice and waiting any period of time required by law. Also, if you do not pay the
full amount of any Minimum Payment Due within 60 days of its payment due date, we may
increase your Interest Charges to a Penalty APR that will apply to all of your Account balances
and any new Account transactions we permit. If we increase your Interest Charges for this
reason, the Penalty APR will apply indefinitely, unless you make 6 consecutive minimum
payments when due, beginning with the first minimum payment due after the Penalty APR takes
effect. The Account Opening Disclosures describe the amount of the Penalty APR.

The Law that Applies to Your Agreement
We make decisions to grant credit and issue you a Card from our offices in Illinois. This
Agreement will be interpreted using Illinois law. Federal law will be used when it applies. You
waive any applicable statute of limitations, as the law allows. Otherwise, the applicable statute
of limitations period for all provisions and purposes under this Agreement (including the right to
collect debt) will be the longer of the time period provided by Illinois law or the law of the
jurisdiction where you live. If any part of this Agreement is found to be unenforceable, the
remaining parts will remain in effect.

Waiver
We will not lose any of our rights if we delay taking any action for any reason or if we do not
notify you. For example, we may waive your Interest Charges or Fees without notifying you and
without losing our right to charge them in the future. We may always enforce our rights later and
may take other actions not listed in this Agreement if the law allows them. You do not have to
receive notice from us of any waiver, delay, demand or dishonor. We may proceed against you
before proceeding against someone else.

Assignment
This Agreement will be binding on, and benefit, any of your and our successors and assigns.
You may not transfer your Account or your Agreement to someone else without our written
permission. We may transfer your Account and this Agreement to another company or person at
any time, without your permission and without prior notice to you. If we do, they will take our
place under this Agreement. You must pay them and perform all of your obligations to them and
not us. If you pay us after you are informed or learn that we have transferred your Account or
this Agreement, we can handle your payment in any way we think is reasonable. This includes
returning the payment to you or forwarding the payment to the other company or person.

Your Billing Rights: Keep This Document For Future Use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Card Services
P.O. Box 84032
Columbus, Georgia 31908-4032

In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what you believe is
wrong and why you believe it is a mistake.
You must contact us:
• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is scheduled, if you want to stop
payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do, we are not
required to investigate any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will
also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why
we believe the bill is correct.

While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question, or report you as delinquent on that
amount.
• The charge in question may remain on your statement, and we may continue to charge
you interest on that amount.
• While you do not have to pay the amount in question, you are responsible for the
remainder of your balance.
• We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

• If we made a mistake: You will not have to pay the amount in question or any interest
or other fees related to that amount.
• If we do not believe there was a mistake: You will have to pay the amount in question,
along with applicable interest and fees. We will send you a statement of the amount you
owe and the date payment is due. We may then report you as delinquent if you do not
pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10
days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent
without also reporting that you are questioning your bill. We must tell you the name of anyone to
whom we reported you as delinquent, and we must let those organizations know when the
matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you
question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card,
and you have tried in good faith to correct the problem with the merchant, you may have the
right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current
mailing address, and the purchase price must have been more than $50. (Note: Neither of these
are necessary if your purchase was based on an advertisement we mailed to you, or if we own
the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances
from an ATM or with a check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in
writing at:

Card Services
P.O. Box 84032
Columbus, Georgia 31908-4032

While we investigate, the same rules apply to the disputed amount as discussed above. After
we finish our investigation, we will tell you our decision. At that point, if we think you owe an
amount and you do not pay, we may report you as delinquent.

MB Financial Bank, N.A. Credit Card Account Opening Disclosures

Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases

0.00% introductory APR for 6 months.

After that, your APR will be 9.90%, 11.90%, 13.90%, or 15.90%. This
APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

5.15% introductory APR for 36 months from the account opening date, for balance transfers
completed within 4 months from the account opening date. After that, your APR will be 9.90%,
11.90%, 13.90%, or 15.90%.

These APRs will vary with the market based on the Prime Rate.

APR for Cash Advances

24.99%

This APR will vary with the market based on the Prime Rate.

Penalty APR and When it
Applies

29.99%

This APR may be applied to all Account balances and any new Account transactions, if
you do not pay the full amount of any minimum payment due within 60 days of its payment
due date.

How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the
Penalty APR will apply indefinitely, unless you make six consecutive minimum payments
when due, beginning with the first payment due after the Penalty APR takes effect.

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge
interest on purchases if you pay your entire balance by the due date each month. We will begin
charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.00.

For Credit Card Tips from
the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit
card, visit the website of the Federal Reserve Board at:
http://www.federalreserve.gov/creditcard.

Fees
Annual Fee
Transaction Fees
 Balance Transfer
 Cash Advance

 Foreign Transaction

Penalty Fees

 Late Payment
 Returned Payment

$0.00

Either $10.00 or 4% of the amount of each transfer, whichever is greater.
Either $10.00 or 4% of the amount of each cash advance, whichever is greater.
3% of the transaction amount in U.S. dollars.

Up to $25.00
Up to $25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new
purchases)." See your account agreement for more details.

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 days of its payment due date.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

See the following page for more information about the APRs and Daily Periodic Rates that apply to your Account.

MB Financial Bank, N.A. Credit Card Account Opening Disclosures

Annual Percentage Rate and Daily Periodic Rates

To determine the variable Annual Percentage Rates (“APRs”) shown here, we add different Margins to the 3.25% prime rate
published in The Wall Street Journal on or about the account open date. After your account is opened, the "Prime Rate" we add to
these Margins will be the highest prime rate published in the 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 effect on the first day of the first billing cycle that begins after the Determination Date.

Purchases: The introductory Purchase APR of 0.00% (Daily Periodic Rate of 0.000%) is a nonvariable APR that applies for 6
months from the account opening date. After that, the standard Purchase APR that applies is a variable APR based on the Prime
Rate plus a Margin of 6.65%, 8.65%, 10.65% or 12.65% (currently, a Purchase APR of 9.90%, 11.90%, 13.90%, or 15.90%, with a
Daily Periodic Rate of 0.027%, 0.033%, 0.038%, or 0.044%).

Balance Transfers: The introductory Balance Transfer APR of 5.15% (Daily Periodic Rate of 0.014%) is a variable APR based on
the Prime Rate plus a Margin of 1.90%. This introductory Balance Transfer APR applies for 36 months from the account opening
date, for Balance Transfers that are completed within 4 months from the account opening date. The standard Balance Transfer APR
of 9.90%, 11.90%, 13.90%, or 15.90% (Daily Periodic Rate of 0.027%, 0.033%, 0.038%, or 0.044%) is a variable APR based on the
Prime Rate plus a Margin of 6.65%, 8.65%, 10.65% or 12.65%. This standard Balance Transfer APR applies from the transaction
date of Balance Transfers made more than 4 months after the account opening date. For Balance Transfers completed within 4
months from the account opening date, the standard Balance Transfer APR also applies after the end of the 36-month introductory
period.

Cash Advances: The standard Cash Advance APR of 24.99% (Daily Periodic Rate of 0.068%) is a variable APR based on the Prime
Rate plus a Margin of 21.74%.

Penalty APR: The Penalty APR of 29.99% (Daily Periodic Rate of 0.082%) is a nonvariable APR.