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

8.74% - 17.74%a 

When you open your account, based on creditworthiness and 
number  of  accounts.  After  that,  these  APRs  will  vary  with 
the  market  based  on  the  Prime  Rate.  Loyalty  Discount**: 
Three total accounts including one checking.

APR for Balance 
Transfers

0%  Introductory APR for the first 12 statement cycles from the transaction date on Balance
Transfers completed within 90 days of account opening. After that, 8.74% - 17.74%a 
based on creditworthiness and number of accounts. These APRs will vary with the market 
based on the Prime Rate. Loyalty Discount**: Three total accounts including one checking.

APR for Cash Advances 13.74%-21.99%b 

When you open your account, based on creditworthiness and 
number  of  accounts.  After  that,  these  APRs  will  vary  with 
the  market  based  on  the  Prime  Rate.  Loyalty  Discount**: 
Three total accounts including one checking.

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

Minimum Interest Charge
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

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.
If you are charged interest, the charge will be no less than  $0.50.

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.

Fees

Annual Fee:

Transaction Fees:

None

 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 5.25% Prime Rate as of 10/01/2018.
a We add 3.49% - 12.49% (depending on creditworthiness) to the Prime Rate to determine the Purchase and Balance 
Transfer APR.
b  We add 8.49% - 17.49% (depending on creditworthiness) to the Prime Rate to determine the Cash Advance APR. 
The maximum APR will be 21.99%. 
Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you are late paying your 
account at least 60 days. 

19565.14

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.

19565.14

1. Finance Charge Calculation Method

INITIAL DISCLOSURES

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:

Purchase and Balance Transfer Annual Percentage Rate: 8.74% - 17.74%* (depending on creditworthiness and number 
of Northwest accounts) as of 10/01/2018.

Cash Advance Annual Percentage Rate: 13.74% - 21.99%* (depending on creditworthiness and number of Northwest 
accounts) as of 10/01/2018.

Introductory Annual Percentage Rate: 0% for the first 12 statement cycles from the transaction date on each Balance 
Transfer completed within 90 days of account opening.  

*Variable Interest Rate:  The interest rate on a variable  rate Cardholder  account is determined  by adding  a margin to the 
current  Prime  Rate.  The margin,  depending  on creditworthiness  and  number  of accounts, is 3.49%  - 12.49%  for Purchases 
and  Balance  Transfers  and  8.49%  -  17.49%  for  Cash  Advances.  The  maximum  Annual  Percentage  Rate  would  be  21.99%. 
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 and Balance Transfers:  The Periodic  Rate  used  to  compute  the  FINANCE  CHARGE  for  Purchases  and 
Balance  Transfers  is  0.72833%  to  1.47833%  per  month.  The  corresponding  Annual  Percentage  Rate  is  8.74%  to 
17.74%.  Cash  Advances:  The  Periodic  Rate  used  to  compute  the FINANCE CHARGE for Cash Advances is 1.14500% to 
1.83250%  per  month.  The  corresponding  Annual  Percentage  Rate 
is  13.74%  to  21.99%.  Introductory  Balance 
Transfers: The Periodic Rate used to compute the FINANCE CHARGE for Introductory Balance Transfers is 0.00000% per 
month. The corresponding Annual Percentage Rate is 0.00%. To qualify for this Introductory Offer, Balance Transfer(s) must 
be completed within 90 days of account opening. The Introductory Offer will last for 12 statement cycles from the transaction 
date on each balance transfer completed within 90 days of account opening. 

**Loyalty  Discount Qualification: The  APR for  the Loyalty  Visa  is  based  on  creditworthiness  and  number  of accounts  with 
Northwest Bank. After creditworthiness is determined, Northwest will evaluate the number of accounts you have at the time of 
application. The account types that qualify for evaluation are: checking, savings, loan, and certificate of deposit. You will qualify 
for a 1% discount on your APR if you have one checking plus any combination of two other accounts of a qualifying type listed 
above (three total accounts including one checking). You may be approved for a Loyalty Visa without the Loyalty Discount. You 
must  qualify  for  the  Loyalty  Discount  to  receive  the  lowest  APR  for  this  credit  card:  8.74%  for  Purchases  and  Balance 
Transfers; 13.74% for Cash Advances. Loyalty Discount has no impact on the Promotional Offer for Balance Transfers. 

19565.14

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  on  all  balances, 
including  those  qualified  for  the  Introductory  Offer,  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.

19565.14

7. Military Lending Act

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  percent.  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 wish to be provided an oral disclosure, this may be obtained by contacting us, toll free, at:(888)784-6313. 

Loyalty Initial Disclosures

19565.14

Last Updated 10/01/2018

Northwest Bank Cardholder Agreement 

SECTION1: INTRODUCTORY CONTRACT PROVISIONS 

Your Contract: This document, and any future changes to it, is your contract with us and will govern your 
“Account”. We will refer to this document as your "Cardholder Agreement" or “Agreement". It consists of 
this document, "Initial Disclosures" (which will be received with your card carrier) and other documents 
that  we  may  refer  to  as  part  of  this  Agreement.  These  terms  also  include  any  changes  we  may  make  
to this document from time to time.  By activating and/or using your credit card account, you agree to all 
terms and conditions contained herein, as well as changes that may be made from time to time.  

Parties to Agreement: "We," "us," and "our" refer to Northwest Bank. "You," "your," and "yours" refer 
to any person (a) whose name appears on  a  Card  or  Statement  or  who  uses  this  Account,  or  (b) 
who  otherwise agrees to be liable on the Account. 

Changes in Terms: We reserve the right to amend this Agreement at any time, by adding, deleting, or 
changing    provisions    of    this    Agreement.    All   amendments     will     comply     with     the     applicable 
notice  requirements of federal and state law that are in effect at that time. 

The reasons we may amend this Agreement include the  following: 

1. Changes  in  regulation  or  legislation,  or  a  change  in  the  interpretation  of  a  regulation  or

legislation.

2. Changes  related  to  your  individual  credit  history,  such  as:  your  risk  profile,  your  payment  or
transaction patterns, balance  patterns, the  utilization levels of this and other accounts, credit
bureau information including the age, history and type of other accounts, and the measure of
risk associated with each.

3. Changes to overall economic and market trends, product design, and business needs.

If  an  amendment  gives  you  the  opportunity  to  reject  the  change,  and  if  you  reject  the  change  in  the 
manner provided in such amendment, we may terminate your right to receive credit and may ask you to 
return all credit devices as a condition of your rejection. We may replace your card with another card at 
any time. 

Definitions: In addition to other terms defined throughout the Agreement, the following terms have the 
meaning indicated in this Section: 

means Annual Percentage Rate. 
means a period of about one (1) month ending on a billing date. 
means a Northwest Bank credit card issued on your Account. 
means a check drawn on your Account. 

APR 
Billing Cycle 
Card 
Check 
Unauthorized Charge means a transaction made on your Account by a person, other than any 
one of you, who does not have actual, implied or apparent authority to 
make such transaction, and from which none of you receive any benefit. 
means an Account billing statement. 

Statement 

CC Cardholder  Agreement 

Last Updated 10/01/2018

SECTION 2: USE OF YOUR ACCOUNT 

Consumer Account: In addition to any other contractual or legal restrictions, the use of your Account is a 
Consumer Account and is not permitted to be used for business purposes. 

Legal Transactions and Other Account Limitations: You may not use this account to make a payment on 
this or any other credit account with us or our affiliates. You may not use or permit your account to be 
used to make any illegal transaction. You will only use your account for transactions that are legal where 
you conduct them. For example, Internet gambling transactions may be illegal in your state. Display of a 
payment card logo by an online merchant does not mean that an Internet transaction is legal where you 
conduct it. We may charge your account for such transactions. We will not be liable if you engage in an 
illegal transaction. We may deny authorization of any transactions identified as Internet gambling. You 
may not use your account to conduct transactions in any country or territory, or with any individual or 
entity that is subject to economic sanctions administered and enforced by the U.S. Department of the 
Treasury's Office of Foreign Assets Control (OFAC). Use of your account in those countries will be blocked. 

Credit Line and Cash Limit: Your Account has a credit line "Line" shown on your card carrier or Statement. 
You will not allow your Account balance to exceed the amount of this Line. We may change your Line or 
Cash Limit at any time. We may, but are not required to, approve transactions that exceed your available 
Credit Limit. The entire credit line is not available for Cash Advances. Cash Limits are subject to change at 
Northwest's discretion. 

Authorizations:  Some  transactions  require  our  prior  authorization.  We  may  limit  the  number  of 
authorizations we give in a day. We may deny authorizations if you are in default (as defined under the 
Default Section), if we suspect fraudulent activity, or for other reasons. We are not liable for any failure to 
authorize  a  transaction.  You  are  liable  for  any  transaction  we  authorize  even  if  we  should  not  have 
authorized it because you are or would be in default as a result of the transaction. We are not liable for 
any retention of your card by us, any other financial institution, or any provider of goods or services. 

Transactions  with  Merchants  Return  Policy:  If  a  merchant  discloses  a  policy  such  as  "no  returns",  "no 
refund", "no return or credit without receipt", "as is", "store credit only", or "all sales final", you will be 
bound by that policy when you use your Account to buy goods or services from that merchant. 

Recurring Transactions: Recurring preauthorized transactions occur when you authorize a merchant to 
automatically initiate a transaction using your account on a recurring basis. If you authorize a merchant to 
charge your Account for repeat transactions without your Card, you must notify the merchant when you 
want to discontinue the repeat transactions or if your Account is closed or if you are issued a new 
Account number.  If we issue a new credit card with a different number or expiration date to you, we may 
(but are not obligated to) provide your new card number and expiration date to a merchant with whom 
you have set up a recurring preauthorized transaction in order to continue your recurring preauthorized 
transactions. Some merchants use the Visa Account Updater Service that allows them to automatically 
receive new credit card number associated with your Account. Not all merchants subscribe to this service.  
You may opt-out of the Visa Account Updater Service by contacting the Northwest Customer Service 
Department at (877) 672-5678. Opt-out of the Visa Account Updater Service does not preclude 
Northwest from providing new Account or credit card numbers to merchants by other means. 

Use of Your  Credit Card Account with a Mobile Phone or  Other  Mobile Device:  Smart phones, some 
tablets or other mobile devices "mobile device" can download, store, and/or access account information, 

for instance through a mobile wallet, that may enable you to use the mobile device to purchase goods or 
services, make a balance transfer, or make a cash advance. 

In certain instances, those transactions will replicate using your card to make a transaction on the internet 
with your computer. In other instances, the phone or mobile device will act as if it were a credit card itself. 
Applications that enable your mobile device will have unique terms governing those applications. Read 
them carefully. Transactions made through those applications are governed by this Agreement. 

When your credit card Account information is accessible by your mobile device, it is important that you 
treat your mobile device with the same care you would your credit card. For example, you should secure 
your mobile device against unauthorized access. Keep in mind, if you give someone your phone, or other 
mobile device, that can be the same as giving that person your credit card. 

Transactions Made in Foreign Currencies: If you make a transaction in a foreign currency (including, for 
example,  online  purchases  from  foreign  merchants),  the  transaction  will  be  converted  by  Visa 
International  into  a  U.S.  dollar  amount  in  accordance  with  the  operating  regulations  or  conversion 
procedures in effect at the time the transaction is processed. Currently, those regulations and procedures 
provide  that  the  currency  conversion  rate  to  be  used  is  either  (1)  a  wholesale  market  rate  or  (2)  a 
government-mandated rate in effect one day prior to the processing date. The currency conversion rate 
in effect on the processing date may differ from the rate in effect on the transaction date or posting date. 
Transactions made in foreign currencies may be subject to an International Transaction Fee. 

SECTION 3: TYPES OF TRANSACTIONS 

You may obtain credit in the form of Purchases, Balance Transfers, and Cash Advances, by using cards, 
access checks, an account number, or other credit devices. Cards are all the credit cards we issue to you 
and  to  any  other  person  with  authorization  for  use  on  this  account  pursuant  to  this  Cardholder 
Agreement. An access check is a check we provide to you to obtain credit on this account. All access checks 
include an expiration date printed at the top. We will honor access checks received for payment before 
the  expiration  date  printed  on  the  check,  provided  your  account  is  open  and  in  good  standing,  with 
available credit. Access checks without a printed expiration date will not be honored. You must sign your 
card before using it to help protect your Account from unauthorized use. However, your liability under 
Section 6 does not depend on whether you sign your card. 

Purchases: A purchase is use of your card or account number (including online, by phone, or through the 
use of an enabled mobile device) to: 

1. buy or lease goods or services;
2. buy wire transfers from a non-financial institution “Wire Transfer Purchase”;
3. make a transaction that is not otherwise a Cash Advance.

Purchases  include  Account  Fees,  as  well  as  Transaction  Fees  and  adjustments  associated  with  any 
Purchase. This Agreement does not grant us a security interest in Purchases you charge to your Account. 

Balance Transfers:  A balance  transfer  is a transfer of funds to another creditor initiated by us at your 
request.  A Balance  Transfer  does  not  include  a transaction  that  is otherwise  a  Cash  Advance.  Balance 
Transfers include Transaction Fees and adjustments associated with any Balance Transfer. 

Cash Advances: A cash advance is the use of your account for a loan in the following ways: 

1. Check Cash Advance: by an access check “Check” you sign as drawer. 
a. We may reject and return unpaid a Check you write because:

i. Your available Line or Cash Limit has been or would be exceeded by paying the Check at

the time it is presented to us;

ii. The date of your Check has passed the expiration date or is more than six (6) months old;
iii. Your Check is post-dated. If a post-dated Check is paid, resulting in another Check being

returned or not paid, we are not responsible;
iv. Your Account is blocked, closed or suspended;
v. Your Account is not activated;
vi. You are in default or would be if we paid the Check;
vii. Your signature or the payee’s name or endorsement is missing on the Check; or
viii. The Check appears altered.

2. Bank Cash Advance:  by loans accessed in the following manner: 

a. ATM Cash Advance: at an automated teller machine;
b. Over  the  Counter  "OTC"  Cash  Advance:  at  any  financial  institution  (i.e.,  to  obtain  cash,
money orders, wire transfers, or travelers checks), or at any non-financial institution (i.e., to
obtain cash);

3. Overdraft Protection: by funds transfer to cover an overdraft on a deposit account which you

have enrolled in this service.
a. We may choose not to cover an overdraft because:

i.

ii.
iii.
iv.

Your available Line or Cash Limit has been or would be exceeded by the transfer of funds
at the time the account is overdrafted;
Your Account is blocked, closed or suspended;
Your Account is not activated; or
You are in default or would be if we completed the transfer of funds.

Cash Advances include Transaction Fees and adjustments associated with any Cash Advance. 

All Bank Cash Advances are subject to the Credit Line. For more information on credit lines, please refer 
to the section titled Credit Line and Cash Limit within this Agreement. 

SECTION 4: FINANCE CHARGES 

Grace Period: We do not charge any periodic Finance Charges on your new Purchases if: 

1. You pay your New Balance in full by your Payment Due Date; or
2. Your previous New Balance was zero or a credit balance.

There is no grace period for Cash Advances and Balance Transfers. 

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. 

Billing  Cycle:  A  billing  cycle  is  a  time  period  that  ends  on  a  Statement  Closing  Date  “Closing  Date” 
determined by us and begins on the day after the Closing Date of the previous billing cycle. Each monthly 
statement reflects a single billing cycle. 

Calculation  and  Billing  of  Interest  Charges:  The  Interest  Charges  for  a  billing  cycle  are  computed  by 
applying  the  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 interest 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 cycle. We do this calculation separately for each feature such as Purchases, Cash 
Advances, Balance Transfers or Promotional Balances. 

Periodic  Rates  and  Annual  Percentage  Rates:  The  Periodic  Rates  and  the  corresponding  Annual 
Percentage  Rates  for  your  Account  are  listed  on  your  Initial  Disclosures.  The  Periodic  Rate  is  the 
corresponding  Annual  Percentage  Rate  divided  by  twelve  (12),  rounded  to  the  next  highest  hundred- 
thousandth of a percentage point. 

Variable  Rate  Information:  If you have  a variable rate  account, the variable  rates  listed in your Initial 
Disclosures are determined by adding a Margin listed in your Initial Disclosures to an Index. The Index is 
the highest prime rate published in the Money Rates Section of The Wall Street Journal in effect on the 
first  day  of  each  calendar  month  “the  Index  Date(s)".  The  variable  Periodic  Rates  and  corresponding 
Annual  Percentage  Rates  will  increase  if  the  Index  increases  or  decrease  if  the  Index  decreases.  The 
changes to these variable rates will become effective on the first day of your Billing Cycle that ends in the 
calendar month following the Index Date. An increase to your periodic Rate and corresponding Annual 
Percentage Rate will increase  the  amount of Finance  Charges on your Account  and may increase your 
Minimum Payment Due. 

Fixed Rate Information: If you have a fixed rate account, the periodic rate used to compute the finance 
charge  for  Credit  Purchases  and  Cash  Advances  and  the  corresponding  “Annual  Percentage  Rate”  are 
outlined in your Initial Disclosures. 

Changes  in  Rates: Your APR  may  be  reviewed from time  to time  and we  may, at any time,  choose  to 
modify your rate. If we modify your rate, we will provide you with written notice at least forty-five (45) 
days in advance. Any changes in these terms, including, changes in the Annual Percentage Rate and the 
periodic rate shall be effective with respect to any balances then outstanding as well as to future Credit 
Purchases and Cash Advances. 

Promotional Rates and Fees:  Promotional or Introductory Offers are temporary APRs “Promotional or 
Introductory Rates” or transaction fees “Promotional or Introductory Fees” that are offered on certain 

qualifying  new  transactions  for  a  specified  period  of  time.  Each  Offer  will  appear  on  your  credit  card 
statement  after  the  first  qualified  new  transaction  for  that  Offer.  If  you  revolve  your  balance  to  take 
advantage of a Promotional or Introductory Offer, all transactions and balances, including purchases, will 
be charged interest. 

Rates  for  Protected  Balances:  When  an  interest  rate  change  for  new  transactions  is  applied  to  your 
account, any existing balances of that type will be identified as Protected Balances on your statement. 
These Protected Balances generally are kept at their current APR until the balances are paid in full. 

Minimum  Purchase  Finance  Charge:  Whenever  the  Purchase  balance  is  subject  to  a  periodic  Finance 
Charge, we will charge the greater of that periodic Finance Charge or the Minimum Finance Charge for 
Purchases shown in your Initial Disclosures. 

Cash Advance and Balance Transfer Fees: For each Cash Advance, we will charge the Cash Advance Fees 
shown on your Initial Disclosures, rounded to the next highest cent, and add the fee to the Cash Advance 
balance on the transaction date. Balance Transfers and Promotional Balances will also incur these Cash 
Advance Fees unless we state otherwise in our offer. 

SECTION 5: FEES AND OTHER CHARGES 

We may charge the following fees and other charges on your account. These fees may or may not be 
applicable. See your Initial Disclosures for specific fee amounts for your account. 

1. Balance Transfer Fee: A Balance Transfer Fee will be assessed for each creditor that we pay off

with this account.

2. Annual Fee: If an Annual Fee applies to your Account, it will be assessed each year in the month
of account opening. If this fee applies to your account, it will be assessed if your account is open
or if you maintain a balance, whether or not you have active charging privileges.

3. Late Fee: A Late Fee will be assessed if the Total Minimum Payment Due shown on your monthly
statement is not received by us on or before its Payment Due Date. The Late Fee will not exceed
the Total Minimum Payment Due immediately prior to assessment of the fee.

4. Over limit Fee: Each time you attempt to make a charge which results in your outstanding balance
(including  pending  authorizations)  exceeding  your  credit  line,  Northwest  Bank  may  choose  to
approve  or  deny  the  transaction  at  our  own  discretion.  An  Over  Limit  fee  may  apply  fi  these
transactions are approved. The Over Limit Fee will not exceed the Total Minimum Payment Due
immediately prior to assessment of the fee.

5. Returned  Payment  Fee:  A  Returned  Payment  Fee  will  be  assessed  for  any  payment  on  your
Account that is returned unpaid. The Returned Payment Fee will not exceed the Total Minimum
Payment Due immediately prior to assessment of the fee, and will never exceed the amount of
the payment being returned.

6. Stop Payment Fee: A Stop Payment Fee will be assessed for any request made to stop payment

on a Check unless we have posted the Check to your Account before your request.

7. Copy Charge: A Copy Charge will be assessed if you request a copy of a Statement, sales draft,
Check, or other record of your Account, other than a request related to a billing dispute you may
assert against us, pursuant to applicable law.

8. Research Fee: A Research Fee will be assessed for our time researching something requested on
your Account, other than for a billing dispute you may assert against us, pursuant to applicable
law.

9. Telephone  Transfer  Fee:  A  Telephone  Transfer  Fee  will  be  assessed  for  Telephone  Payments

processed by a Customer Service Representative.

10. Express Mail Fee: An Express Mail Fee will be assessed if you request rush delivery of a card.

Fee Amounts: The amount of applicable Fees on your Account are listed on you Initial Disclosures and 
added to the Purchase balance of the Account on the date they are assessed. 

SECTION 6: YOUR LIABILITY 

Liable Parties: All persons who initially or subsequently request, are granted, accept, guarantee or use 
the account are individually and together responsible for any total outstanding balance. You will be liable 
for the full balance due on the Account whether or not your name appears on the Statement. If you are 
responsible to pay any total outstanding balance, we may refuse to release you from liability until all of 
the cards, access checks, and other credit devices outstanding under the account have been returned to 
us and you repay us the total outstanding balance owed to us under the terms of this Agreement. 

Other Users of the Account: If you are not a Liable Party and you use this Account, you are liable for each 
transaction you make on the Account plus any Finance Charges, Other Fees and Charges and expenses 
provided in this Agreement and related to such transactions. If you are an Authorized User (as defined in 
Section  8),  your  liability  does  not  relieve  any  Liable  Party  under  this  Agreement  from  liability  for  the 
Authorized User's transactions until paid. 

SECTION 7: YOUR PAYMENTS 

Promise to Pay: You promise to pay us the amounts of all Transactions on your Account for which you are 
liable under Section 6 or by law, which includes all Purchases, Balance Transfers, and Cash Advances. You 
also promise to pay us all the amounts of interest charges, fees, and any other transactions charged to 
your account. 

Payments to Your Account: You must pay each month at least the Total Minimum Payment Due shown 
on your monthly statement by its Payment Due Date. Payments must conform to the requirements set 
out on that monthly statement; these requirements may vary without prior notice. You may pay the entire 
amount  you  owe  us  at  any  time.  Payments  made  in  any  billing  cycle  that  are  greater  than  the  Total 
Minimum Payment Due will not affect your obligation to make the next Total Minimum Payment Due. If 
you overpay or if there is a credit balance on your account, we will not pay interest on such amounts. We 
may reject payments that are not drawn in U.S. dollars and those drawn on a financial institution located 
outside of the United States. If we choose to accept payments made in foreign currency or checks drawn 
on non-U.S, we may impose service and collection charges. Our determination of service and collection 
charges will be final. We are not required to accept any payment that we deem to require special handling. 

Generally, credits to your account, such as those generated by merchants or by person-to-person money 
transfers, are not treated as payments and will not reduce your Total Minimum Payment Due. 

Total Minimum Payment Due: 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) 1.0% of the New Balance (2) Finance Charges (3) Late Fees (4) 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. 

When Your Payment Will Be Credited to Your Account: Payments may be made using various methods. 
The guidelines for posting your payments are as follows: 

1. Payment Sent Via U.S. Mail

a. Payments will be posted on the date they are received if they meet all of the following

criteria:

i. Payment is received by 5 p.m. local time at the address shown on the remittance

slip on the front of your monthly statement;

ii. Payment is paid with a check drawn in U.S. dollars on a U.S. financial institution

or a U.S. dollar money order; and

iii. Payment is sent in the return envelope with only the bottom portion of your

statement accompanying it.

b. Payments received after 5 p.m. local time at the remittance address on any day including
the Payment Due Date, but that otherwise meet the above requirements, will be posted
on the following business day.

c. Payments that do not meet the above criteria may be delayed up to five days.

2. Payments Made in Any of Our Branch Locations

a. The posting date for payments made in any of our branch locations will be the date they

are received when they are made prior to closing.

3. Payments Made Online or by Phone

a. Payments made directly on our website or by phone before 5 p.m. will be posted on the

date they are made.

b. Payments made directly on our website or by phone after 5 p.m. will be posted on the

following business day.

4. Payments Made via a Third Party Bill Payer Service

a. Payments made using a third party Bill Payer Service may be received via ACH or physical
check. These will be posted accordingly. NOTE: That physical checks mailed by a Bill Payer
do  not  meet  all  of  the  above  criteria  for Mail  Payments  and  will  be  treated  as  a  non- 
conforming payment.

ACH Payments: We process most payment checks electronically. We use the information on your check 
to create an electronic funds transfer. Each time you send a check, you authorize a one-time   electronic 

funds transfer. You also authorize us to process your check as a check or paper draft, as necessary. Funds 
may be withdrawn from your account as soon as the same day we receive your payment. You will not 
receive your cancelled check because we are required to destroy it. We will retain an electronic copy. 

How  We  Allocate  Your  Payments:  Payments  are  allocated  to  posted  balances.  If  your  account  has 
balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum 
Payment  Due  to  the  lowest  APR  balances  first.  Payment  amounts  in  excess  of  your  Total  Minimum 
Payment Due will be applied to balances with higher APRs before balances with lower APRs. 

Other Payment Terms: We can accept late payments, partial payments, or payments with any restrictive 
writing without  losing any of our rights under this Agreement.  This means that no payment, including 
those  marked  with  paid  in  full  or  with  any  other  restrictive  words,  shall  operate  as  an  accord  and 
satisfaction without the prior written approval of one of our senior officers. You may not use a postdated 
check  to  make  a  payment.  If  you  do  postdate  a  payment  check,  we  may  elect  to  honor  it  upon 
presentment or return it uncredited to the person that presented it, without in either case waiting for the 
date shown on the check. We are not liable to you for any loss or expense arising out of the action we 
elect to take. 

Default: Your Account is in default if you fail to comply with any of the terms of this Agreement including, 
incompetency, bankruptcy, insolvency, fraud, misrepresentation and in the event of your death. If you are 
in default, we may close your Account without notice, and you must immediately pay your unpaid balance. 
To the extent not prohibited by law, if you are in default, you will pay our collection costs, attorney fees 
(including allocated costs for attorneys who are employed by us), court costs and all other expenses of 
enforcing our rights under this Agreement. 

SECTION 8: OTHER IMPORTANT INFORMATION 

Change  of  Personal  Information:  You  will  notify  us  in  writing  immediately  if  you  change  your  name, 
address or home or business telephone number. If you need to do so, please write to: Northwest Bank, 
Credit Card Programs, PO Box 788, Warren, PA 16365. We may also change your address if so notified by 
the U.S. Post Office. 

Authorized Users: If you permit any person to use your card, access checks, account number, or other 
credit device with the authorization to obtain credit on your account, you will be liable for all transactions 
made by that person including transactions for which you may not have intended to be liable, even if the 
amount of those transactions causes a credit line to be exceeded. Authorized users of this account may 
have the same access to information about the account and its users as the account holders. We may send 
account materials (cards, statements and notices) to any liable party, and that person will be responsible 
for delivering those materials to the other liable parties and authorized users. Notice to any of you will be 
considered notice to all of you. You may allow authorized users on your account in the following ways: (1) 
by notifying us that you want someone added to your account as an authorized user; (2) by lending or 
otherwise intentionally making your card, account number, or credit device accessible to another; or (3) 
by any other ways in which you would be legally considered to have allowed another to use your account 
or to be legally prevented from denying that you did so. You must think carefully before you allow anyone 

to become an authorized user. By doing so, you authorize the person to use your account to the same 
extent you can, including but not limited to making any Purchases, Balance Transfers, Cash Advances, and 
allowing others to use your account. Your account does not permit you to limit the nature or amount of 
authority you give to any authorized user and you will not attempt to do so. An authorized user's authority 
will continue until you notify us that you are terminating the authority and you physically retrieve the card 
or other credit device. 

Credit Information: We may periodically review your credit standing by obtaining information from credit 
reporting agencies and others concerning your accounts. You will provide updated financial information 
upon our request. In addition, we may report information about you to credit reporting agencies. You 
have the right to dispute the accuracy of information we have reported. If you believe we have furnished 
inaccurate or incomplete information about you or your account to a credit reporting agency, write to us 
at: Northwest  Bank, Credit Card Programs, PO  Box 788, Warren, PA 16365. Please  include your  name, 
address,  Account  number,  telephone  number,  social  security  number  and  a  brief  description  of  the 
problem. If available, please include a copy of the credit report in question. 

Closing Your Account: We may suspend or close your account or otherwise terminate your right to use 
your account. We may do this at any time and for any reason. We may elect to not honor any access check 
which is written after the expiration date printed on that check. You may close your account at any time 
by notifying us in writing or by telephone. Your obligations under this Agreement continue even after the 
account is closed. You must destroy all cards, access checks or other credit devices on the account when 
the account is closed. 

When your account is closed, you must contact anyone authorized to charge transactions to your account, 
such as internet service providers, health clubs or insurance companies. These transactions may continue 
to  be  charged  to  your  account  until  you  change  the  billing.  Also,  if  we  believe  you  have  authorized  a 
transaction or are attempting to use your account after you have requested to close the account, we may 
allow the transaction to be charged to your account. 

Stopping Payment on Checks: To stop payment of a check you write against your account, you must call 
us at the Customer Service number shown on your Statement with all the following information; the exact 
dollar amount of the Check; the Check number; your Account number; the name of the party to whom 
the Check was written; and the name of the person who signed the Check. We will stop payment on the 
Check if we receive your stop payment request by the business day before the day we pay your Check. 
The date we pay the Check may be before the date it posts to your Account. The stop payment order will 
remain effective for six (6) months. Any request for a stop payment will be subject to a Stop Payment Fee. 
You may write us to cancel the order at any time. If you need to do so, please write to: Northwest Bank, 
Credit Card Programs, PO Box 788, Warren, PA 16365. 

Lost or Stolen Cards and Checks: If your Card or Checks are lost or stolen, or if you think your Account is 
being used without your permission, you must notify us immediately by calling the "Lost or Stolen Card" 
number on your Statement. 

 
 
 
 
 
Unauthorized  Use  of  Your  Account:  Please  notify  us  immediately  of  the  loss,  theft,  or  possible 
unauthorized use of your account at 1.800.600.5249. 

Dispute  Assistance:  If  you  disagree  with  a  transaction  on  your  Statement  or  have  a  dispute  with  a 
merchant as a result of the transaction, you will provide information or assistance we reasonably request. 
Otherwise, you will pay us for any resulting loss we have unless we are prohibited by applicable law from 
holding you liable for our loss. 

Reservations:  When using your Account to make travel or lodging reservations, obtain the merchant's 
cancellation policy and follow it if you cancel. If you cancel, obtain the merchant's cancellation number 
that it is required to give you. The merchant may charge you for a cancelled transaction unless you can 
provide us with the merchant's cancellation number. 

Benefits: We may offer you certain benefits and services with your account. Any benefits or services are 
not  a  part  of  this  Agreement,  but  are  subject  to  the  terms  and  restrictions  outlined  in  any  official 
documents provided to you from time to time by or on behalf of Northwest Bank. We may adjust, add, or 
delete benefits and services at any time and without notice to you. 

Monitoring and Recording Phone Calls: You consent to and authorize Northwest Bank, any of its affiliates, 
or  its  marketing  associates  to  monitor  and/or  record  any  of  your  telephone  conversations  with  our 
representatives or the representatives of any of those companies. Where you have provided a cell phone 
number directly to us, or placed a cell phone call to us, you consent and agree to accept collection calls to 
your cell phone from us. For any telephone or cell phone calls we place to you, you consent and agree 
that those calls may be automatically dialed and/or use recorded messages. 

Right to Sell Your Account: We may at any time, and without notice to you, sell, assign or transfer your 
account,  any  amounts  due  on  your  account,  this  Agreement,  or  our  rights  or  obligations  under  your 
account or this Agreement to any person or entity. The person or entity to whom we make any such sale, 
assignment or transfer shall be entitled to all of our rights and shall assume our obligations under this 
Agreement, to the extent sold, assigned or transferred. 

Enforceability: Our failure to exercise any of our rights under this Agreement will not waive any of our 
rights in the future. If any terms of this Agreement are found to be unenforceable; all other provisions will 
remain in full force. 

SECTION 9: REGULATIONS AND GOVERNING LAW 

Regulation Z Initial Disclosure:  You acknowledge receiving from us your Initial Disclosures required by 
Truth-in-Lending Regulation Z and agree that terms contained in your Initial Disclosures apply to your use 
of the card. 

Governing Law: THIS AGREEMENT IS GOVERNED BY APPLICABLE PENNSYLVANIA AND    FEDERAL LAW. 
This Agreement is made in Pennsylvania and we extend credit to you from Pennsylvania. This Agreement 

is governed by the  laws of the  State of Pennsylvania (without  regard to its conflict  of laws  principles) 
and by any applicable federal laws. 

Ohio  Residents:  Ohio  anti-discrimination  laws  require  creditors  to make  credit  equally  available  to  all 
creditworthy  customers  and  that  credit  reporting  agencies  maintain  separate  credit  histories  on 
individuals upon request. The Ohio Civil Rights Commission administers these laws. 

New  York  Residents:  Northwest  Bank  may  obtain  at  any  time  your  credit  reports  for  any  legitimate 
purpose associated with the account or the application or request for an account including but not limited 
to  reviewing,  modifying,  renewing  and  collecting  on  your  account.  On  your  request,  you  will  be 
informed if such a report was ordered. If so, you will be given the name and address of the consumer-
reporting  agency  furnishing  the  report.  New  York  residents  may  contact  the  New  York  State  Banking 
Department (1-800-518-8866) for a comparative list of credit card rates, fees, and grace periods. 

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: 
Northwest Bank 
PO Box 30495 
Tampa, FL 33630 
You may also contact us on the Web: www.northwest.com. Log in to Northwest Internet Banking and go 
to the credit card portal. 

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 or electronically. 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 
or electronically at: 

Northwest Bank 
PO Box 30495 

Tampa, FL 33630 

You may also contact us on the Web: www.northwest.com. Log in to Northwest Internet Banking and go 
to the credit card portal. 

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.