b'Details of Rate, Fee and Other Cost Information\nAccount terms are not guaranteed for any period of time. All terms, including fees and APRs for new transactions, may\nchange in accordance with the Cardholder Agreement and applicable law based on information in your credit report, market\nconditions, business strategies, or for any reason. Please review all of these materials so that you are fully informed about the\nterms of this credit card offer.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n1.99% Introductory APR on Travel Purchases* for the first 12 Statement Cycles. After\nthat, your APR will be 10.99% - 18.99% based on creditworthiness.\n\nAPR for Balance\nTransfers\n\n10.99% - 18.99% When you open your account, based on creditworthiness.\n\nAPR for Cash Advances\n\n10.99% - 18.99% When you open your account, based on creditworthiness.\nThis APR may be applied to your account if you: Are late paying your\naccount at least 60 Days.\nHow long will the Penalty APR apply?: If your APRs are increased for any\nreason, the Penalty APR may apply indefinitely.\n\nPenalty APR and When It\nApplies\n\n21.99%\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\nany interest on purchases If you pay your entire balance by the due date each month. We will\nbegin charging interest on cash advances and balance transfers on the transaction date.\n\nMinimum Interest Charge If you are charged interest, the charge will be no less than $0.50.\nFor Credit Card Tips from To learn more about factors to consider when applying for or using a credit card, visit\nthe Consumer Financial the website of the Consumer Financial Protection Bureau at\nProtection Bureau\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee:\n\nNone\n\nTransaction Fees:\nBalance Transfer Fee\nCash Advance Fee\nForeign Transaction Fee\n\nEither $10.00 or 3% of the amount of each transfer, whichever is greater Either\n$10.00 or 3% of the amount of each cash advance, whichever is greater\nNone\n\nPenalty Fees:\nLate Payment Fee\nOver Limit Fee\nReturned Payment Fee\nStop Payment Fee\n\nUp to $35.00\nNone\nUp to $25.00\nUp to $25.00\n\nOther Fees:\nTelephone Payment Fee\n\n$10.00 when payment is made using a Customer Service Representative\n\nHow We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."\nLoss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you are late paying your\naccount at least 60 days.\n*Purchases must be classified as Travel Purchases, such as gas, hotels, and airline travel, defined by Merchant Category\nCode (MCC). The following MCCs are included in this category: 3000-3999, 4011, 4111, 4112, 4121, 4131, 4411, 4457,\n4468, 4511, 4582, 4722, 4723, 4761, 4784, 4789, 5541, 5542, 5962, 7011, 7033, 7511, 7512, 7513, 7519, 7523.\n\n19566.8\n\n\x0cIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial\ninstitutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you:\nwhen you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify\nyou. We may ask to see your driver\'s license or other identifying documents or ask you questions to further confirm your identity.\nCURRENT ACCOUNT INFORMATION\nCurrent Account information is available by mailing us at Northwest Bank, Credit Card Programs, PO Box 788, Warren,\nPennsylvania 16365 or call toll free: 1.877.300.5768.\n\n19566.8\n\n\x0cINITIAL DISCLOSURES\n1. Finance Charge Calculation Method\nCash Advances: The Finance Charge on Cash Advances is calculated in accordance with Method A - Average Daily\nBalance (including current transactions) which is described as follows: The Finance Charge on cash advances begins from the\ndate you obtained the cash advance, or the first day of the billing cycle in which it is posted to your account, whichever is later.\nThere is no grace period.\nThe Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of\nyour account. To get the average daily balance, we take the beginning balance of your account each day, add any new\npurchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives\nus the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the\nbilling cycle. We do this calculation separately for each feature such as Purchases, Cash Advances, Balance Transfers or\nPromotional Balances.\nPurchases: The Finance Charge on Credit Purchases is calculated in accordance with Method G - Average Daily Balance\n(including current transactions) which is described as follows: To avoid incurring an additional Finance Charge on Purchases\nreflected on your monthly statement and, on any new Purchases appearing on your next monthly statement, you must pay the\nNew Balance, shown on your monthly statement, on or before the Payment Due Date. The grace period for the New Balance\nof Purchases extends to the Payment Due Date.\nThe Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of\nyour account. To get the average daily balance, we take the beginning balance of your account each day, add any new\npurchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives\nus the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the\nbilling cycle. We do this calculation separately for each feature such as Purchases, Cash Advances, Balance Transfers or\nPromotional Balances.\n2a. Periodic Rate:\nPurchase, Cash Advance and Balance Transfer Annual Percentage Rate: 10.99% - 18.99% based on your\ncreditworthiness at the time of opening the account.\nIntroductory Annual Percentage Rate: 1.99% for Travel Purchases for the first 12 Statement Cycles.\nThe rate is divided by 12, the number of months in a year, to determine the periodic rate.\nPurchases: The Periodic Rate used to compute the FINANCE CHARGE for Purchases is 0.91583% to 1.58250% per\nmonth. The corresponding Annual Percentage Rate is 10.99% to 18.99%. Cash Advances and Balance Transfers: The\nPeriodic Rate used to compute the FINANCE CHARGE for Cash Advances and Balance Transfers is 0.91583% to\n1.58250% per month. The corresponding Annual Percentage Rate is 10.99% to 18.99%. Introductory Purchases: The\nPeriodic Rate used to compute the FINANCE CHARGE for Introductory Purchases is 0.16583% per month. The\ncorresponding Annual Percentage Rate is 1.99%. To qualify for this Introductory Offer, Purchases must be classified as\nTravel Purchases, such as gas, hotels, and airline travel, defined by Merchant Category Code (MCC). This Introductory\nOffer will apply to Travel Purchases for the first 12 Billing Cycles from account opening.\n2b. Non-Standard Default Interest Rate\nAn account is considered in default should you fail to comply with any of the terms of this Agreement. In the event of\nbankruptcy, insolvency, incompetency, fraud or any other default event listed in the Agreement, we may close your account and\nif your payment becomes 60 days late in part or in full, we may raise your interest rate on all balances, including those that\nqualified for the Introductory Offer, to the legal maximum allowed. The maximum Annual Percentage Rate would be 21.99%.\nYour former interest rate will be reinstated if your total minimum monthly payment is paid on time for six (6) consecutive months.\n\n19566.8\n\n\x0c3. Minimum Periodic Payment\nYou may pay your total outstanding balance at any time. Each billing cycle, you must pay at least the Total Minimum Payment\nDue shown on your monthly statement by its Payment Due Date. The Total Minimum Payment Due will always equal at least\n$25.00. Subject to this limitation, your Total Minimum Payment Due is calculated as the sum of the following, rounded up to the\nnearest dollar: (1) 2.0% of the New Balance (2) any Over Limit Amount (3) any Past Due Amount. The Total Minimum Payment\nDue will not be greater than your New Balance Total. If a payment is credited to your account but is returned unpaid in a later\nbilling cycle, we will recalculate the Total Minimum Payment Due for the billing cycle in which the payment was originally credited.\n4. Other Charges:\nReturned Payment Fee: If any check or other instrument given for payment on the Card account is dishonored for any\nreason, a processing fee of up to $25.00 may be imposed.\nStop Payment Fee: A fee of up to $25.00 will be charged to your account for any request to stop payment on a check issued\nagainst your account.\nCopy Charge: A request for a copy of any of your account records will result in a fee of $3.00 per copy being assessed\nagainst your account unless it is a disputed item.\nResearch Fee: A fee of $25.00 per hour will be assessed for time spent in researching something requested on your\naccount. The minimum Research Fee assessed will be $25.00.\nTelephone Transfer Fee: Telephone payments made with a customer service representative will incur a fee of $10.00.\nExpress Mail Fee: Requests for a rush delivery of cards will incur a fee of $35.00 for express delivery service. Cards sent\nexpress mail will be received within one to two business days. This fee will be added to your account balance.\nInternational Service (ISA) Fee: None\n5. Security Interests\nIf you have executed a written agreement granting a security interest in a deposit account (savings or certificate of deposit) or\nother funds held by issuer to secure your obligations under this credit card plan, such accounts and/or funds are additional\nsecurity for your obligations to issuer arising from the use of your Card.\n6. Billing Errors/Cardholder\'s Rights\nSee separate statement enclosed entitled "Your Billing Rights" for important information regarding your rights to dispute\nbilling errors.\n7. Military Lending Act\nFederal law provides important protections to members of the Armed Forces and their dependents relating\nto extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the\ncredit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in\nconnection with the credit transaction; any application fee charged (other than certain application fees for specified credit\ntransactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).\nIf you wish to be provided an oral disclosure, this may be obtained by contacting us, toll free, at:(888)784-6313.\n\nVisa Initial Disclosures\n\n19566.8\n\nLast Updated 07/01/2018\n\n\x0cNorthwest Bank Cardholder Agreement\nSECTION1: INTRODUCTORY CONTRACT PROVISIONS\nYour Contract: This document, and any future changes to it, is your contract with us and will govern your\n\xe2\x80\x9cAccount.\xe2\x80\x9d We will refer to this document as your "Cardholder Agreement" or \xe2\x80\x9cAgreement." It consists of\nthis document, "Initial Disclosures" (which will be received with your card carrier) and other documents\nthat we may refer to as part of this Agreement. These terms also include any changes we may make to\nthis document from time to time. By activating and/or using your credit card account, you agree to all\nterms and conditions contained herein, as well as changes that may be made from time to time.\nParties to Agreement: "We," "us," and "our" refer to Northwest Bank. "You," "your," and "yours" refer to\nany person (a) whose name appears on a Card or Statement or who uses this Account, or (b) who\notherwise agrees to be liable on the Account.\nChanges in Terms: We reserve the right to amend this Agreement at any time, by adding, deleting, or\nchanging provisions of this Agreement. All amendments will comply with the applicable notice\nrequirements of federal and state law that are in effect at that time.\nThe reasons we may amend this Agreement include the following:\n1. Changes in regulation or legislation, or a change in the interpretation of a regulation or\nlegislation.\n2. Changes related to your individual credit history, such as: your risk profile, your payment or\ntransaction patterns, balance patterns, the utilization levels of this and other accounts, credit\nbureau information including the age, history and type of other accounts, and the measure of\nrisk associated with each.\n3. Changes to overall economic and market trends, product design, and business needs.\nIf an amendment gives you the opportunity to reject the change, and if you reject the change in the\nmanner provided in such amendment, we may terminate your right to receive credit and may ask you to\nreturn all credit devices as a condition of your rejection. We may replace your card with another card at\nany time.\nDefinitions: In addition to other terms defined throughout the Agreement, the following terms have the\nmeaning indicated in this Section:\nAPR\nBilling Cycle\nCard\nCheck\nUnauthorized Charge\n\nStatement\n\nCC Cardholder Agreement\n\nmeans Annual Percentage Rate.\nmeans a period of about one (1) month ending on a billing date.\nmeans a Northwest Bank credit card issued on your Account.\nmeans a check drawn on your Account.\nmeans a transaction made on your Account by a person, other than any\none of you, who does not have actual, implied or apparent authority to\nmake such transaction, and from which none of you receive any benefit.\nmeans an Account billing statement.\n\nLast Updated 07/01/2018\n\n\x0cSECTION 2: USE OF YOUR ACCOUNT\nConsumer Account: In addition to any other contractual or legal restrictions, the use of your Account is a\nConsumer Account and is not permitted to be used for business purposes.\nLegal Transactions and Other Account Limitations: You may not use this account to make a payment on\nthis or any other credit account with us or our affiliates. You may not use or permit your account to be\nused to make any illegal transaction. You will only use your account for transactions that are legal where\nyou conduct them. For example, Internet gambling transactions may be illegal in your state. Display of a\npayment card logo by an online merchant does not mean that an Internet transaction is legal where you\nconduct it. We may charge your account for such transactions. We will not be liable if you engage in an\nillegal transaction. We may deny authorization of any transactions identified as Internet gambling. You\nmay not use your account to conduct transactions in any country or territory, or with any individual or\nentity that is subject to economic sanctions administered and enforced by the U.S. Department of the\nTreasury\'s Office of Foreign Assets Control (OFAC). Use of your account in those countries will be blocked.\nCredit Line and Cash Limit: Your Account has a credit line "Line" shown on your card carrier or Statement.\nYou will not allow your Account balance to exceed the amount of this Line. We may change your Line or\nCash Limit at any time. We may, but are not required to, approve transactions that exceed your available\nCredit Limit. The entire credit line is not available for Cash Advances. Cash Limits are subject to change at\nNorthwest\'s discretion.\nAuthorizations: Some transactions require our prior authorization. We may limit the number of\nauthorizations we give in a day. We may deny authorizations if you are in default (as defined under the\nDefault Section), if we suspect fraudulent activity, or for other reasons. We are not liable for any failure to\nauthorize a transaction. You are liable for any transaction we authorize even if we should not have\nauthorized it because you are or would be in default as a result of the transaction. We are not liable for any\nretention of your card by us, any other financial institution, or any provider of goods or services.\nTransactions with Merchants Return Policy: If a merchant discloses a policy such as "no returns," "no\nrefund," "no return or credit without receipt," "as is," "store credit only," or "all sales final," you will be\nbound by that policy when you use your Account to buy goods or services from that merchant.\nRecurring Transactions: Recurring preauthorized transactions occur when you authorize a merchant to\nautomatically initiate a transaction using your account on a recurring basis. If you authorize a merchant to\ncharge your Account for repeat transactions without your Card, you must notify the merchant when you\nwant to discontinue the repeat transactions or if your Account is closed or if you are issued a new Account\nnumber. If we issue a new credit card with a different number or expiration date to you, we may (but are\nnot obligated to) provide your new card number and expiration date to a merchant with whom you have\nset up a recurring preauthorized transaction in order to continue your recurring preauthorized transactions.\nSome merchants use the Visa Account Updater Service that allows them to automatically receive new credit\ncard number associated with your Account. Not all merchants subscribe to this service. You may opt-out of\nthe Visa Account Updater Service by contacting the Northwest Customer Service Department at (877) 6725678. Opt-out of the Visa Account Updater Service does not preclude Northwest from providing new\nAccount or credit card numbers to merchants by other means.\nUse of Your Credit Card Account with a Mobile Phone or Other Mobile Device: Smart phones, some tablets\nor other mobile devices "mobile device" can download, store, and/or access account information,\n\n\x0cfor instance through a mobile wallet, that may enable you to use the mobile device to purchase goods or\nservices, make a balance transfer, or make a cash advance.\nIn certain instances, those transactions will replicate using your card to make a transaction on the internet\nwith your computer. In other instances, the phone or mobile device will act as if it were a credit card itself.\nApplications that enable your mobile device will have unique terms governing those applications. Read\nthem carefully. Transactions made through those applications are governed by this Agreement.\nWhen your credit card Account information is accessible by your mobile device, it is important that you\ntreat your mobile device with the same care you would your credit card. For example, you should secure\nyour mobile device against unauthorized access. Keep in mind, if you give someone your phone, or other\nmobile device, that can be the same as giving that person your credit card.\nTransactions Made in Foreign Currencies: If you make a transaction in a foreign currency (including, for\nexample, online purchases from foreign merchants), the transaction will be converted by Visa\nInternational into a U.S. dollar amount in accordance with the operating regulations or conversion\nprocedures in effect at the time the transaction is processed. Currently, those regulations and procedures\nprovide that the currency conversion rate to be used is either (1) a wholesale market rate or (2) a\ngovernment-mandated rate in effect one day prior to the processing date. The currency conversion rate\nin effect on the processing date may differ from the rate in effect on the transaction date or posting date.\nTransactions made in foreign currencies may be subject to an International Transaction Fee.\nSECTION 3: TYPES OF TRANSACTIONS\nYou may obtain credit in the form of Purchases, Balance Transfers, and Cash Advances, by using cards,\naccess checks, an account number, or other credit devices. Cards are all the credit cards we issue to you\nand to any other person with authorization for use on this account pursuant to this Cardholder Agreement.\nAn access check is a check we provide to you to obtain credit on this account. All access checks include an\nexpiration date printed at the top. We will honor access checks received for payment before the expiration\ndate printed on the check, provided your account is open and in good standing, with available credit.\nAccess checks without a printed expiration date will not be honored. You must sign your card before using\nit to help protect your Account from unauthorized use. However, your liability under Section 6 does not\ndepend on whether you sign your card.\n\nPurchases: A purchase is use of your card or account number (including online, by phone, or through the\nuse of an enabled mobile device) to:\n1. buy or lease goods or services;\n2. buy wire transfers from a non-financial institution \xe2\x80\x9cWire Transfer Purchase\xe2\x80\x9d;\n3. make a transaction that is not otherwise a Cash Advance.\n\nPurchases include Account Fees, as well as Transaction Fees and adjustments associated with any\nPurchase. This Agreement does not grant us a security interest in Purchases you charge to your Account.\n\n\x0cBalance Transfers: A balance transfer is a transfer of funds to another creditor initiated by us at your\nrequest. A Balance Transfer does not include a transaction that is otherwise a Cash Advance. Balance\nTransfers include Transaction Fees and adjustments associated with any Balance Transfer.\nCash Advances: A cash advance is the use of your account for a loan in the following ways:\nCheck Cash Advance: by an access check \xe2\x80\x9cCheck\xe2\x80\x9d you sign as drawer.\na. We may reject and return unpaid a Check you write because:\ni. Your available Line or Cash Limit has been or would be exceeded by paying the Check at\nthe time it is presented to us;\nii. The date of your Check has passed the expiration date or is more than six (6) months old;\niii. Your Check is post-dated. If a post-dated Check is paid, resulting in another Check being\nreturned or not paid, we are not responsible;\niv. Your Account is blocked, closed or suspended;\nv. Your Account is not activated;\nvi. You are in default or would be if we paid the Check;\nvii. Your signature or the payee\xe2\x80\x99s name or endorsement is missing on the Check; or\nviii. The Check appears altered.\n2. Bank Cash Advance: by loans accessed in the followingmanner:\na. ATM Cash Advance: at an automated teller machine;\nb. Over the Counter "OTC" Cash Advance: at any financial institution (i.e., to obtain cash, money\norders, wire transfers, or travelers checks), or at any non-financial institution (i.e., to obtain\ncash);\n3. Overdraft Protection: by funds transfer to cover an overdraft on a deposit account which you\nhave enrolled in this service.\na. We may choose not to cover an overdraft because:\ni. Your available Line or Cash Limit has been or would be exceeded by the transfer of funds\nat the time the account is overdrafted;\nii. Your Account is blocked, closed or suspended;\niii. Your Account is not activated; or\niv. You are in default or would be if we completed the transfer of funds.\n1.\n\nCash Advances include Transaction Fees and adjustments associated with any Cash Advance.\nAll Bank Cash Advances are subject to the Credit Line. For more information on credit lines, please refer\nto the section titled Credit Line and Cash Limit within this Agreement.\nSECTION 4: FINANCE CHARGES\nGrace Period: We do not charge any periodic Finance Charges on your new Purchases if:\nYou pay your New Balance in full by your Payment Due Date; or\n2. Your previous New Balance was zero or a credit balance.\n1.\n\n\x0cThere is no grace period for Cash Advances and Balance Transfers.\nPaying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the transaction date.\nBilling Cycle: A billing cycle is a time period that ends on a Statement Closing Date \xe2\x80\x9cClosing Date\xe2\x80\x9d\ndetermined by us and begins on the day after the Closing Date of the previous billing cycle. Each monthly\nstatement reflects a single billing cycle.\nCalculation and Billing of Interest Charges: The Interest Charges for a billing cycle are computed by\napplying the Periodic Rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account. To get the average daily balance,\nwe take the beginning balance of your account each day, add any new purchases or cash advances, and\nsubtract any payments, credits, non-accruing fees and unpaid interest charges. This gives us the daily\nbalance. Then we add up all the daily balances for the billing cycle and divide the total by the number of\ndays in the cycle. We do this calculation separately for each feature such as Purchases, Cash Advances,\nBalance Transfers or Promotional Balances.\nPeriodic Rates and Annual Percentage Rates: The Periodic Rates and the corresponding Annual\nPercentage Rates for your Account are listed on your Initial Disclosures. The Periodic Rate is the\ncorresponding Annual Percentage Rate divided by twelve (12), rounded to the next highest hundredthousandth of a percentage point.\nVariable Rate Information: If you have a variable rate account, the variable rates listed in your Initial\nDisclosures are determined by adding a Margin listed in your Initial Disclosures to an Index. The Index is\nthe highest prime rate published in the Money Rates Section of The Wall Street Journal in effect on the\nfirst day of each calendar month \xe2\x80\x9cthe Index Date(s)." The variable Periodic Rates and corresponding\nAnnual Percentage Rates will increase if the Index increases or decrease if the Index decreases. The\nchanges to these variable rates will become effective on the first day of your Billing Cycle that ends in the\ncalendar month following the Index Date. An increase to your periodic Rate and corresponding Annual\nPercentage Rate will increase the amount of Finance Charges on your Account and may increase your\nMinimum Payment Due.\nFixed Rate Information: If you have a fixed rate account, the periodic rate used to compute the finance\ncharge for Credit Purchases and Cash Advances and the corresponding \xe2\x80\x9cAnnual Percentage Rate\xe2\x80\x9d are\noutlined in your Initial Disclosures.\nChanges in Rates: Your APR may be reviewed from time to time and we may, at any time, choose to modify\nyour rate. If we modify your rate, we will provide you with written notice at least forty-five (45) days in\nadvance. Any changes in these terms, including, changes in the Annual Percentage Rate and the periodic\nrate shall be effective with respect to any balances then outstanding as well as to future Credit Purchases\nand Cash Advances.\nPromotional Rates and Fees: Promotional or Introductory Offers are temporary APRs \xe2\x80\x9cPromotional or\nIntroductory Rates\xe2\x80\x9d or transaction fees \xe2\x80\x9cPromotional or Introductory Fees\xe2\x80\x9d that are offered on certain\n\n\x0cqualifying new transactions for a specified period of time. Each Offer will appear on your credit card\nstatement after the first qualified new transaction for that Offer. If you revolve your balance to take\nadvantage of a Promotional or Introductory Offer, all transactions and balances, including purchases, will\nbe charged interest.\nRates for Protected Balances: When an interest rate change for new transactions is applied to your\naccount, any existing balances of that type will be identified as Protected Balances on your statement.\nThese Protected Balances generally are kept at their current APR until the balances are paid in full.\nMinimum Purchase Finance Charge: Whenever the Purchase balance is subject to a periodic Finance\nCharge, we will charge the greater of that periodic Finance Charge or the Minimum Finance Charge for\nPurchases shown in your Initial Disclosures.\nCash Advance and Balance Transfer Fees: For each Cash Advance, we will charge the Cash Advance Fees\nshown on your Initial Disclosures, rounded to the next highest cent, and add the fee to the Cash Advance\nbalance on the transaction date. Balance Transfers and Promotional Balances will also incur these Cash\nAdvance Fees unless we state otherwise in our offer.\nSECTION 5: FEES AND OTHER CHARGES\nWe may charge the following fees and other charges on your account. These fees may or may not be\napplicable. See your Initial Disclosures for specific fee amounts for your account.\n1. Balance Transfer Fee: A Balance Transfer Fee will be assessed for each creditor that we pay off\n2.\n\n3.\n\n4.\n\n5.\n\n6.\n\nwith this account.\nAnnual Fee: If an Annual Fee applies to your Account, it will be assessed each year in the month\nof account opening. If this fee applies to your account, it will be assessed if your account is open\nor if you maintain a balance, whether or not you have active chargingprivileges.\nLate Fee: A Late Fee will be assessed if the Total Minimum Payment Due shown on your monthly\nstatement is not received by us on or before its Payment Due Date. The Late Fee will not exceed\nthe Total Minimum Payment Due immediately prior to assessment of the fee.\nOver limit Fee: Each time you attempt to make a charge which results in your outstanding balance\n(including pending authorizations) exceeding your credit line, Northwest Bank may choose to\napprove or deny the transaction at our own discretion. An Over Limit fee may apply fi these\ntransactions are approved. The Over Limit Fee will not exceed the Total Minimum Payment Due\nimmediately prior to assessment of the fee.\nReturned Payment Fee: A Returned Payment Fee will be assessed for any payment on your\nAccount that is returned unpaid. The Returned Payment Fee will not exceed the Total Minimum\nPayment Due immediately prior to assessment of the fee, and will never exceed the amount of\nthe payment being returned.\nStop Payment Fee: A Stop Payment Fee will be assessed for any request made to stop payment\non a Check unless we have posted the Check to your Account before your request.\n\n\x0c7. Copy Charge: A Copy Charge will be assessed if you request a copy of a Statement, sales draft,\n\nCheck, or other record of your Account, other than a request related to a billing dispute you may\nassert against us, pursuant to applicable law.\n8. Research Fee: A Research Fee will be assessed for our time researching something requested on\nyour Account, other than for a billing dispute you may assert against us, pursuant to applicable\nlaw.\n9. Telephone Transfer Fee: A Telephone Transfer Fee will be assessed for Telephone Payments\nprocessed by a Customer Service Representative.\n10. Express Mail Fee: An Express Mail Fee will be assessed if you request rush delivery of acard.\nFee Amounts: The amount of applicable Fees on your Account are listed on you Initial Disclosures and\nadded to the Purchase balance of the Account on the date they are assessed.\nSECTION 6: YOUR LIABILITY\nLiable Parties: All persons who initially or subsequently request, are granted, accept, guarantee or use the\naccount are individually and together responsible for any total outstanding balance. You will be liable for\nthe full balance due on the Account whether or not your name appears on the Statement. If you are\nresponsible to pay any total outstanding balance, we may refuse to release you from liability until all of\nthe cards, access checks, and other credit devices outstanding under the account have been returned to\nus and you repay us the total outstanding balance owed to us under the terms of this Agreement.\nOther Users of the Account: If you are not a Liable Party and you use this Account, you are liable for each\ntransaction you make on the Account plus any Finance Charges, Other Fees and Charges and expenses\nprovided in this Agreement and related to such transactions. If you are an Authorized User (as defined in\nSection 8), your liability does not relieve any Liable Party under this Agreement from liability for the\nAuthorized User\'s transactions until paid.\nSECTION 7: YOUR PAYMENTS\nPromise to Pay: You promise to pay us the amounts of all Transactions on your Account for which you are\nliable under Section 6 or by law, which includes all Purchases, Balance Transfers, and Cash Advances. You\nalso promise to pay us all the amounts of interest charges, fees, and any other transactions charged to\nyour account.\nPayments to Your Account: You must pay each month at least the Total Minimum Payment Due shown\non your monthly statement by its Payment Due Date. Payments must conform to the requirements set\nout on that monthly statement; these requirements may vary without prior notice. You may pay the entire\namount you owe us at any time. Payments made in any billing cycle that are greater than the Total\nMinimum Payment Due will not affect your obligation to make the next Total Minimum Payment Due. If\nyou overpay or if there is a credit balance on your account, we will not pay interest on such amounts. We\nmay reject payments that are not drawn in U.S. dollars and those drawn on a financial institution located\noutside of the United States. If we choose to accept payments made in foreign currency or checks drawn\non non-U.S, we may impose service and collection charges. Our determination of service and collection\ncharges will be final. We are not required to accept any payment that we deem to require special handling.\n\n\x0cGenerally, credits to your account, such as those generated by merchants or by person-to-person money\ntransfers, are not treated as payments and will not reduce your Total Minimum Payment Due.\nTotal Minimum Payment Due: You may pay your total outstanding balance at any time. Each billing cycle,\nyou must pay at least the Total Minimum Payment Due shown on your monthly statement by its Payment\nDue Date. The Total Minimum Payment Due will always equal at least $25.00. Subject to this limitation,\nyour Total Minimum Payment Due is calculated as the sum of the following, rounded up to the nearest\ndollar: (1) 2.0% of the New Balance (2) any Over Limit Amount (3) any Past Due Amount. The Total\nMinimum Payment Due will not be greater than your New Balance Total. If a payment is credited to your\naccount but is returned unpaid in a later billing cycle, we will recalculate the Total Minimum Payment Due\nfor the billing cycle in which the payment was originally credited.\nWhen Your Payment Will Be Credited to Your Account: Payments may be made using various methods.\nThe guidelines for posting your payments are as follows:\nPayment Sent Via U.S. Mail\na. Payments will be posted on the date they are received if they meet all of the following\ncriteria:\ni. Payment is received by 5 p.m. local time at the address shown on the remittance\nslip on the front of your monthly statement;\nii. Payment is paid with a check drawn in U.S. dollars on a U.S. financial institution\nor a U.S. dollar money order; and\niii. Payment is sent in the return envelope with only the bottom portion of your\nstatement accompanying it.\nb. Payments received after 5 p.m. local time at the remittance address on any day including\nthe Payment Due Date, but that otherwise meet the above requirements, will be posted\non the following business day.\nc. Payments that do not meet the above criteria may be delayed up to five days.\n2. Payments Made in Any of Our Branch Locations\na. The posting date for payments made in any of our branch locations will be the date they\nare received when they are made prior to closing.\n3. Payments Made Online or by Phone\na. Payments made directly on our website or by phone before 5 p.m. will be posted on the\ndate they are made.\nb. Payments made directly on our website or by phone after 5 p.m. will be posted on the\nfollowing business day.\n4. Payments Made via a Third Party Bill Payer Service\na. Payments made using a third party Bill Payer Service may be received via ACH or physical\ncheck. These will be posted accordingly. NOTE: That physical checks mailed by a Bill Payer\ndo not meet all of the above criteria for Mail Payments and will be treated as a nonconforming payment.\n1.\n\nACH Payments: We process most payment checks electronically. We use the information on your check\nto create an electronic funds transfer. Each time you send a check, you authorize a one-time electronic\n\n\x0cfunds transfer. You also authorize us to process your check as a check or paper draft, as necessary. Funds\nmay be withdrawn from your account as soon as the same day we receive your payment. You will not\nreceive your cancelled check because we are required to destroy it. We will retain an electronic copy.\nHow We Allocate Your Payments: Payments are allocated to posted balances. You Minimum Payment\nwill be applied to any unpaid fees or finance charges. After that, if your account has balances with\ndifferent APRs, we will allocate the amount of your payment up to the Total Minimum Payment Due to\nthe lowers APR balances first. Payment amounts in excess of your Total Minimum Payment Due will be\napplied to balances with higher APRs before balances with lower APRs.\nOther Payment Terms: We can accept late payments, partial payments, or payments with any restrictive\nwriting without losing any of our rights under this Agreement. This means that no payment, including\nthose marked with paid in full or with any other restrictive words, shall operate as an accord and\nsatisfaction without the prior written approval of one of our senior officers. You may not use a postdated\ncheck to make a payment. If you do postdate a payment check, we may elect to honor it upon presentment\nor return it uncredited to the person that presented it, without in either case waiting for the date shown\non the check. We are not liable to you for any loss or expense arising out of the action we elect to take.\nDefault: Your Account is in default if you fail to comply with any of the terms of this Agreement including,\nincompetency, bankruptcy, insolvency, fraud, misrepresentation and in the event of your death. If you are\nin default, we may close your Account without notice, and you must immediately pay your unpaid balance.\nTo the extent not prohibited by law, if you are in default, you will pay our collection costs, attorney fees\n(including allocated costs for attorneys who are employed by us), court costs and all other expenses of\nenforcing our rights under this Agreement.\nSECTION 8: OTHER IMPORTANT INFORMATION\nChange of Personal Information: You will notify us in writing immediately if you change your name,\naddress or home or business telephone number. If you need to do so, please write to: Northwest Bank,\nCredit Card Programs, PO Box 788, Warren, PA 16365. We may also change your address if so notified by\nthe U.S. Post Office.\nAuthorized Users: If you permit any person to use your card, access checks, account number, or other\ncredit device with the authorization to obtain credit on your account, you will be liable for all transactions\nmade by that person including transactions for which you may not have intended to be liable, even if the\namount of those transactions causes a credit line to be exceeded. Authorized users of this account may\nhave the same access to information about the account and its users as the account holders. We may send\naccount materials (cards, statements and notices) to any liable party, and that person will be responsible\nfor delivering those materials to the other liable parties and authorized users. Notice to any of you will be\nconsidered notice to all of you. You may allow authorized users on your account in the following ways: (1)\nby notifying us that you want someone added to your account as an authorized user; (2) by lending or\notherwise intentionally making your card, account number, or credit device accessible to another; or (3)\nby any other ways in which you would be legally considered to have allowed another to use your account\nor to be legally prevented from denying that you did so. You must think carefully before you allow anyone\n\n\x0cto become an authorized user. By doing so, you authorize the person to use your account to the same\nextent you can, including but not limited to making any Purchases, Balance Transfers, Cash Advances, and\nallowing others to use your account. Your account does not permit you to limit the nature or amount of\nauthority you give to any authorized user and you will not attempt to do so. An authorized user\'s authority\nwill continue until you notify us that you are terminating the authority and you physically retrieve the card\nor other credit device.\nCredit Information: We may periodically review your credit standing by obtaining information from credit\nreporting agencies and others concerning your accounts. You will provide updated financial information\nupon our request. In addition, we may report information about you to credit reporting agencies. You\nhave the right to dispute the accuracy of information we have reported. If you believe we have furnished\ninaccurate or incomplete information about you or your account to a credit reporting agency, write to us\nat: Northwest Bank, Credit Card Programs, PO Box 788, Warren, PA 16365. Please include your name,\naddress, Account number, telephone number, social security number and a brief description of the\nproblem. If available, please include a copy of the credit report inquestion.\nClosing Your Account: We may suspend or close your account or otherwise terminate your right to use\nyour account. We may do this at any time and for any reason. We may elect to not honor any access check\nwhich is written after the expiration date printed on that check. You may close your account at any time\nby notifying us in writing or by telephone. Your obligations under this Agreement continue even after the\naccount is closed. You must destroy all cards, access checks or other credit devices on the account when\nthe account is closed.\nWhen your account is closed, you must contact anyone authorized to charge transactions to your account,\nsuch as internet service providers, health clubs or insurance companies. These transactions may continue\nto be charged to your account until you change the billing. Also, if we believe you have authorized a\ntransaction or are attempting to use your account after you have requested to close the account, we may\nallow the transaction to be charged to your account.\nStopping Payment on Checks: To stop payment of a check you write against your account, you must call\nus at the Customer Service number shown on your Statement with all the following information; the exact\ndollar amount of the Check; the Check number; your Account number; the name of the party to whom\nthe Check was written; and the name of the person who signed the Check. We will stop payment on the\nCheck if we receive your stop payment request by the business day before the day we pay your Check.\nThe date we pay the Check may be before the date it posts to your Account. The stop payment order will\nremain effective for six (6) months. Any request for a stop payment will be subject to a Stop Payment Fee.\nYou may write us to cancel the order at any time. If you need to do so, please write to: Northwest Bank,\nCredit Card Programs, PO Box 788, Warren, PA 16365.\nLost or Stolen Cards and Checks: If your Card or Checks are lost or stolen, or if you think your Account is\nbeing used without your permission, you must notify us immediately by calling the "Lost or Stolen Card"\nnumber on your Statement.\n\n\x0cUnauthorized Use of Your Account: Please notify us immediately of the loss, theft, or possible\nunauthorized use of your account at 1.800.600.5249.\nDispute Assistance: If you disagree with a transaction on your Statement or have a dispute with a\nmerchant as a result of the transaction, you will provide information or assistance we reasonably request.\nOtherwise, you will pay us for any resulting loss we have unless we are prohibited by applicable law from\nholding you liable for our loss.\nReservations: When using your Account to make travel or lodging reservations, obtain the merchant\'s\ncancellation policy and follow it if you cancel. If you cancel, obtain the merchant\'s cancellation number\nthat it is required to give you. The merchant may charge you for a cancelled transaction unless you can\nprovide us with the merchant\'s cancellation number.\nBenefits: We may offer you certain benefits and services with your account. Any benefits or services are\nnot a part of this Agreement, but are subject to the terms and restrictions outlined in any official\ndocuments provided to you from time to time by or on behalf of Northwest Bank. We may adjust, add, or\ndelete benefits and services at any time and without notice to you.\nMonitoring and Recording Phone Calls: You consent to and authorize Northwest Bank, any of its affiliates,\nor its marketing associates to monitor and/or record any of your telephone conversations with our\nrepresentatives or the representatives of any of those companies. Where you have provided a cell phone\nnumber directly to us, or placed a cell phone call to us, you consent and agree to accept collection calls to\nyour cell phone from us. For any telephone or cell phone calls we place to you, you consent and agree\nthat those calls may be automatically dialed and/or use recordedmessages.\nRight to Sell Your Account: We may at any time, and without notice to you, sell, assign or transfer your\naccount, any amounts due on your account, this Agreement, or our rights or obligations under your\naccount or this Agreement to any person or entity. The person or entity to whom we make any such sale,\nassignment or transfer shall be entitled to all of our rights and shall assume our obligations under this\nAgreement, to the extent sold, assigned or transferred.\nEnforceability: Our failure to exercise any of our rights under this Agreement will not waive any of our\nrights in the future. If any terms of this Agreement are found to be unenforceable; all other provisions will\nremain in full force.\nSECTION 9: REGULATIONS AND GOVERNING LAW\nRegulation Z Initial Disclosure: You acknowledge receiving from us your Initial Disclosures required by\nTruth-in-Lending Regulation Z and agree that terms contained in your Initial Disclosures apply to your use\nof the card.\nGoverning Law: THIS AGREEMENT IS GOVERNED BY APPLICABLE PENNSYLVANIA AND FEDERAL LAW.\nThis Agreement is made in Pennsylvania and we extend credit to you from Pennsylvania. This Agreement\n\n\x0cis governed by the laws of the State of Pennsylvania (without regard to its conflict of laws principles) and\nby any applicable federal laws.\nOhio Residents: Ohio anti-discrimination laws require creditors to make credit equally available to all\ncreditworthy customers and that credit reporting agencies maintain separate credit histories on\nindividuals upon request. The Ohio Civil Rights Commission administers these laws.\nNew York Residents: Northwest Bank may obtain at any time your credit reports for any legitimate\npurpose associated with the account or the application or request for an account including but not limited\nto reviewing, modifying, renewing and collecting on your account. On your request, you will be informed\nif such a report was ordered. If so, you will be given the name and address of the consumer- reporting\nagency furnishing the report. New York residents may contact the New York State Banking Department\n(1-800-518-8866) for a comparative list of credit card rates, fees, and grace periods.\n\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nNorthwest Bank\nPO Box 30495\nTampa, FL 33630\nYou may also contact us on the Web: www.northwest.com. Log in to Northwest Internet Banking and go\nto the credit card portal.\nIn your letter, give us the following information:\n\xef\x82\xb7 Account information: Your name and account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7 Description of problem: If you think there is an error on your bill, describe what you believe\nis wrong and why you believe it is a mistake.\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\nYou must notify us of any potential errors in writing or electronically. You may call us, but if you do we are\nnot required to investigate any potential errors and you may have to pay the amount inquestion\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will\nalso tell you if we have already corrected the error.\n\n\x0c2.\n\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why\nwe believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xef\x82\xb7 The charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you are responsible for the remainder\nof your balance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 If we made a mistake: You will not have to pay the amount in question or any interest or other\nfees related to that amount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay the amount in question, along\nwith applicable interest and fees. We will send you a statement of the amount you owe and\nthe date payment is due. We may then report you as delinquent if you do not pay the amount\nwe think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling\nus that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that\nyou are questioning your bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question\neven if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of\nthese are necessary if your purchase was based on an advertisement we mailed to you, or if\nwe own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances\nfrom an ATM or with a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing\nor electronically at:\nNorthwest Bank\nPO Box 30495\n\n\x0cTampa, FL 33630\nYou may also contact us on the Web: www.northwest.com. Log in to Northwest Internet Banking and go\nto the credit card portal.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do\nnot pay, we may report you as delinquent.\n\n\x0c'