Details of Rate, Fee and Other Cost Information 

Account terms are not guaranteed for any period of time. All terms, including fees and APRs for new transactions, may 
change in accordance with the Cardholder Agreement and applicable law based on information in your credit report, 
market conditions, business strategies, or for any reason. Please review all of these materials so that you are fully 
informed about the terms of this credit card offer. 

Interest Rates and Interest Charges 

Annual Percentage Rate  
(APR) for Purchases 

7.24% - 10.24%*  When you open your account, based on creditworthiness and 

number of relationships with Northwest Bank.  

APR for Balance 
Transfers 

7.24% - 10.24%* 

APR for Cash Advances  7.24% - 10.24%* 

A relationship shall be defined as a product group appearing 
on  the  Customer  Information  File  record  (i.e.  Checking  CK, 
Savings  SV,  Loan  LN,  Internet  Banking  IB,  etc).  NOTE: 
Multiple  accounts  of  the  same  product  group  count  only  as 
one relationship. 

After that, these APRs will vary with the market based on the 
Prime Rate. 

Penalty APR and When It 
Applies 

21.99% 

•  This APR may be applied to your account if you: Are late paying your 

account at least 60 Days.  

•  How long will the Penalty APR apply?: If your APRs are increased for 

any reason, the Penalty APR may apply indefinitely.  

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
any 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 $0.50. 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

Fees 

To learn more about factors to consider when applying for or using a credit card, visit 
at 
the  website 
http://www.consumerfinance.gov/learnmore. 

Consumer 

Protection 

Financial 

Bureau 

the 

of 

Annual Fee:  

None 

Transaction Fees: 

Balance Transfer Fee 

Cash Advance Fee 

Foreign Transaction Fee 

Either $10.00 or 3% of the amount of each transfer, whichever is greater 
Either $10.00 or 3% of the amount of each cash advance, whichever is greater 
1% of each transaction in U.S. dollars 

Penalty Fees:  

Late Payment Fee 

Over Limit Fee 

Returned Payment Fee 

Stop Payment Fee 

Up to $35.00 

None 

Up to $25.00 

Up to $25.00 

Other Fees:  

Telephone Payment Fee 

$10.00 when payment is made using a Customer Service Representative 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).”  
Prime Rate: Variable APRs are based on the 4.25% Prime Rate as of 7/3/2017.  
* We add 2.99% - 5.99% (depending on creditworthiness and number of Northwest relationships) to the Prime Rate 
to determine the Purchase, Balance Transfer, and Cash Advance APR. 

 
 
 
 
 
 
 
 
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 ask to see your driver’s license or other identifying documents or ask you questions to further confirm 
your identity.  

CURRENT ACCOUNT INFORMATION 

Current  Account  information  is  available  by  mailing  us  at  Northwest  Bank,  Credit  Card  Programs,  PO  Box  788,  Warren, 
Pennsylvania 16365 or call toll free: 1.877.300.5768. 

 
 
 
 
 
 
 
INITIAL DISCLOSURES 

1.  Finance Charge Calculation Method  

Cash Advances: The Finance Charge on Cash Advances is calculated in accordance with Method A – Average Daily Balance 
(including current transactions) which is described as follows: The Finance Charge on cash advances begins from the date you 
obtained the cash advance, or the first day of the billing cycle in which it is posted to your account, whichever is later. There is 
no grace period.  
The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of 
your  account.  To  get  the  average  daily  balance,  we  take  the  beginning  balance  of  your  account  each  day,  add  any  new 
purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives 
us 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 billing cycle. We do this calculation separately for each feature such as Purchases, Cash Advances, Balance Transfers or 
Promotional Balances. 

Purchases: The Finance Charge on Credit Purchases is calculated in accordance with Method G – Average Daily Balance 
(including current transactions) which is described as follows: To avoid incurring an additional Finance Charge on Purchases 
reflected on your monthly statement and, on any new Purchases appearing on your next monthly statement, you must pay the 
New Balance, shown on your monthly statement, on or before the Payment Due Date. The grace period for the New Balance 
of Purchases extends to the Payment Due Date. 
The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of 
your  account.  To  get  the  average  daily  balance,  we  take  the  beginning  balance  of  your  account  each  day,  add  any  new 
purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives 
us 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 billing cycle. We do this calculation separately for each feature such as Purchases, Cash Advances, Balance Transfers or 
Promotional Balances. 

2a. Periodic Rate:  

Annual Percentage Rate: 7.24% - 10.24% (depending on creditworthiness and number of Northwest relationships) as 
of 07/03/2017 

Variable  Interest  Rate:  The  interest  rate  on  a  variable  rate  Cardholder  account  is  determined  by  adding  2.99%  to  5.99% 
(depending on creditworthiness and number of Northwest relationships) to the current Prime Rate. The APR will be updated 
on the Northwest Bank Loyalty Visa Account on the first day of your Billing Cycle that ends in the calendar month following the 
Index Date. The rate is divided by 12, the number of months in a year, to determine the periodic rate. Purchases: The Periodic 
Rate used to compute the FINANCE CHARGE for Purchases is 0.60333% to 0.85333% per month. The corresponding Annual 
Percentage Rate is 7.24% to 10.24%. Cash Advances: The Periodic Rate used to compute the FINANCE CHARGE for Cash 
Advances is 0.60333% to 0.85333% per month. The corresponding Annual Percentage Rate is 7.24% to 10.24%. 

2b. Non-Standard Default Interest Rate  

An account is considered in default should you fail to comply with any of the terms of this Agreement. In the event of bankruptcy, 
insolvency, incompetency, fraud or any other default event listed in the Agreement, we may close  your account and if your 
payment becomes 60 days late in part or in full, we may raise your interest rate to the legal maximum allowed. The maximum 
Annual Percentage Rate would be 21.99%. Your former interest rate will be reinstated if your total minimum monthly payment 
is paid on time for six (6) consecutive months. 

 
 
 
 
 
 
 
 
 
 
 
3.  Minimum Periodic Payment  

You may pay your total outstanding balance at any time. Each billing cycle, you must pay at least the Total Minimum Payment 
Due shown on your monthly statement by its Payment Due Date. The Total Minimum Payment Due will always equal at least 
$25.00. Subject to this limitation, your Total Minimum Payment Due is calculated as the sum of the following, rounded up to 
the nearest dollar: (1) 2.0% of the New Balance (2) any Over Limit Amount (3) any Past Due Amount. The Total Minimum 
Payment Due will not be greater than your New Balance Total. If a payment is credited to your account but is returned unpaid 
in  a  later  billing  cycle,  we  will  recalculate  the  Total  Minimum  Payment  Due  for  the  billing  cycle  in  which  the  payment  was 
originally credited. 

4.  Other Charges: 

Returned Payment Fee: If any check or other instrument given for payment on the Card account is dishonored for any reason, 
a processing fee of up to $25.00 may be imposed. 

Stop 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 
against your account. 

Copy Charge: A request for a copy of any of your account records will result in a fee of $3.00 per copy being assessed against 
your account unless it is a disputed item. 

Research Fee: A fee of $25.00 per hour will be assessed for time spent in researching something requested on your account. 
The minimum Research Fee assessed will be $25.00.  

Telephone Transfer Fee: Telephone payments made with a customer service representative will incur a fee of $10.00. 

Express Mail Fee: Requests for a rush delivery of cards will incur a fee of $35.00 for express delivery service. Cards sent 
express mail will be received within one to two business days. This fee will be added to your account balance. 

International Service (ISA) Fee: An ISA fee of 1% of the transaction amount may be assessed on all international transactions. 
A  third  party  processor  retains  this  1%  as  compensation  for  performing  the  currency  conversion  service.  The  currency 
conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. 

5.  Security Interests  

If you have executed a written agreement granting a security interest in a deposit account (savings or certificate of deposit) or 
other funds held by issuer to secure your obligations under this credit card plan, such accounts and/or funds are additional 
security for your obligations to issuer arising from the use of your Card.  

6.  Billing Errors/Cardholder’s Rights  

See separate statement enclosed entitled “Your Billing Rights” for important information regarding your rights to dispute billing 
errors.