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 11.90%, 13.90%, 15.90%, or 17.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0.0% introductory APR for12 months from the account opening date, for balance transfers completed within 4 months from the account opening date. After that, your APR will be 11.90%, 13.90%, 15.90% or 17.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 26.99% 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 if you make a late payment. 
How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply untill you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases 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.
Minimum Interest Charge If you are charged interest, the charge will be no less than $2.00.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Annual Fee None
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

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 effect on the first day of the first 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 fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies 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 specified 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 confidentiality 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 artificial 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 reflected 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 affects 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 financial 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 affiliates. 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 financial 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 financial institutions for any fees, charges, and amounts due under their credit agreements with you, including any late payment fees and finance 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 financial 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 offers, fees or interest) as defined 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 certificates, 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 Benefits will be provided to you in your card fulfillment packet.

The creditor and issuer is MB Financial Bank, N.A.