MB Financial Bank, N.A. Secured
Credit Card Application Disclosure

Interest Rate and Interest Charges

19.40% 
            This APR will vary with the mark
the Prime Rate. 

Annual 
Percentage 
Rate (APR) 
for 
Purchases

APR for 
Balance 
Transfers

19.40% 
            This APR will vary with the mark
the Prime Rate. 

APR for 
Cash 
Advances

26.49% 
            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. 

Any interest we may pay on Security Deposit Funds
shall be as described in the separate terms and
conditions that apply to the Security Deposit Account.
If any interest is earned on Security Deposit Funds,
you agree that we may add that interest to the
Security Deposit Account as proceeds to secure your
Account Obligations. If you or we close your Account
for any reason, or if you are in default of your Account
Obligations, you agree that we may withdraw and
apply the Security Deposit Funds in payment of your
outstanding Account Obligations.

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.

For MB Secured Mastercard® Credit Card
Agreements, see Credit Card Agreements