Interest Rates and Interest Charges       O/a 0/b When you open your account, based on creditworthiness. After that, Annual Percentage Rate (APR) for Purchases 7.24 % or 9.24 % these APR’s will vary with the market based on the Prime Rate. O/a 0/.b When you open your account, based on creditworthiness. After that, APR for Balance Transfers 7.24 % or 9.24 % these APR’s will vary with the market based on the Prime Rate. O/a O/_b When you open your account, based on creditworthiness. After that, APR for Cash Advances 7.24 % or 9.24 % these APR's will vary with the market based on the Prime Rate.   This APR may be applied to your account if you: Penalty APR and When It Applies 1 8. 00% How long will the Penalty APR apply?: Are late paying your account at least 60 days. If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.   Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Paying Interest 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.   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. For Credit Card Tips from the Consumer Financial Protection Bureau           Annual Fee None Transaction Fees Balance Transfer Fee Either $10.00 or 3% of the amount of each transfer, whichever is greater. Cash Advance Fee Either $10.00 or 3% of the amount of each cash advance, whichever is greater. Foreign Transaction 1% of each transaction in U.S. dollars. Penalty Fees Late Payment None Returned Payment —_ Up to $25.00 Over-the-Credit Limit None Stop Payment Up to $25.00 Other Fees Telephone Payment $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 3.25% Prime Rate as of 10/1/2013. a We add 3.99% to the Prime Rate to determine the Purchase, Balance Transfer, and Cash Advance APR. b We add 5.99% to the Prime Rate to determine the Purchase, Balance Transfer, and Cash Advance APR. See your Account Agr t for more detail:   BILLING RIGHTS: Information on your rights to dispute transactions and how to excercise those rights is provided in your Account Agreement. 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. INITIAL DISCLOSURES 1. Finance Charge Calculation Method Cash Advances - The Finance Charge on Cash Advances is calculated in accordance with Method F, which is described as follows: A Finance Charge will be imposed on Cash Advances from the date made or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will continue to accrue on the unpaid average balance of such Cash Advances until the date of payment if paid during the same billing cycle, or until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 25 days from the closing date. If the New Balance shown on your monthly statement for the prior billing cycle is paid in full within 25 days from the closing date of that statement, no Finance Charge will be imposed during the current billing cycle for Cash Advances posted to your account during previous billing cycles. The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Cash Advances, which is determined by dividing the sum of the daily balances by the number of days in the billing cycle. Each daily balance of Cash Advances is determined by adding to the outstanding unpaid balance of Cash Advances at the beginning of the billing cycle any new Cash Advances posted to your account and subtracting any payments as received or credits as posted to your account but excluding any unpaid Finance Charges. Credit Purchases — The Finance Charge on Credit Purchases is calculated in accordance with Method G, which is described as follows: A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your previous monthly statement within that 25-day period. A finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle and will continue to accrue until the closing date of the entire New Balance is paid in full or until the date of payment if more than 25 days from the closing date. The Finance Charge for billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account and payments as received and credits as posted to your account but excluding any unpaid Finance Charges. 2a. Periodic Rate: Annual Percentage Rate — Prime + 3.99% to Prime + 5.99% Variable Interest Rate - The interest rate on a variable rate Cardholder account is determined by adding 3.99% to 5.99% (depending on creditworthiness) to the current Prime Rate. The rate is divided by 365, the number of days in a year, to determine the daily periodic rate. The APR will be updated on the Northwest Savings Bank Rewards Visa Account within 2 weeks of any change to the U.S. Prime Rate. 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 payments are late in part or in full, we may raise your interest rate to the legal maximum allowed. The maximum Annual Percentage Rate would be 18.00%. 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 The minimum periodic payment required is the total New Balance as shown on your monthly billing statement if the amount is under $10.00. If the New Balance exceeds $10.00, the minimum periodic payment is 2% of that portion of the New Balance which does not exceed your credit limit, plus the entire portion of the New Balance in excess of your credit limit, plus any amount past due, or $10.00, whichever is greater. 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. 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 overnight mail delivery service. This fee will be added to your account balance. International Service (ISA) Fee —An ISA fee of 1% of the transaction amount may be on all ii onal ons. 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.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 Savings Bank PO Box 30495 Tampa, FL 33630 You may also contact us on the Web: www.northwestsavingsbank.com 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 question- ing 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 Savings Bank PO Box 30495 Tampa, FL 33630 You may also contact us on the Web: www.northwestsavingsbank.com While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our inves- tigation, 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. NORTHWEST SAVINGS BANK CARDHOLDER AGREEMENT SECTION 1: INTRODUCTORY PROVISIONS Contents and Effectiveness of Agreement — This Agreement governs your credit card account (“Account”) with us. It consists of this document, an attached (“Disclosure”) and other documents that we may refer to as part of this Agreement. The Agreement becomes effective pursuant to the terms of the Important Notice Regarding your Account. Parties to Agreement — “We,” “us,” and “our” refer to Northwest Savings 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.   Definitions — In addition to other terms defined throughout the Agreement, the following terms have the meaning indicated in this Section: APR means Annual Percentage Rate. Billing Cycle means a period of about one (1) month ending on a billing date. Card means a Northwest Savings Bank credit card issued on your Account. Check means a check drawn on your Account. 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. Statement means an account billing statement. SECTION 2: USE OF YOUR ACCOUNT Types of Transactions — You may use your Account for the following types of consumer transactions: Purchases — Purchase goods or services with your Card. Cash Advances — Obtain cash from a participating financial institution or merchant (“Cash Disbursement”) or from an ATM (“ATM Advance”): write a Check for any legal purpose. Balance Transfers — Transfer balances to your Account to pay other creditors. General: Consumer Account — In addition to any other contractual or legal restrictions, the use of your Account is a consumer Account and should not be used for business purposes. Legal Transactions — You will use your Account for transactions that are legal only in the state where you reside. For example, Internet gambling transactions may be illegal in your state. Display of a check card logo by an on-line merchant does not mean that an Internet transaction is legal where you reside. We will not be liable if you engage in an illegal transaction. 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. 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. Unpaid Checks — We may reject and return unpaid a Check you write because: (a) Your available Line or Cash Limit has been or would be exceeded by paying the Check at the time it is presented to us; (b) The date of your Check is more than six (6) months old; (c) 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; (d) Your Account is closed or suspended; (e) You are in default or would be if we paid the Check; or (f) Your signature or the payee’s name or endorsement is missing on the check; or (g) The Check appears altered. If we pay any Check under any condition, you must pay us the amount of the Check plus applicable fees and charges unless law precludes such liability. SECTION 3: 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. Periodic Finance Charge Calculation — For each day in the Billing Cycle, we take your beginning balance, add any new transactions or other debits, and subtract any payments or other credits. This gives us that day’s Daily Balance. We multiply this Daily Balance by the Daily Periodic Rate to get your Periodic Finance Charges for that day. To get your total Periodic Finance Charges for that Billing Cycle, we add all the Daily Periodic Finance Charges and round the sum to the next highest cent. This amount is also equal to the Average Daily Balance multiplied by the Daily Periodic Rate and then multiplied by the number of days in the Billing Cycle. To determine the Average Daily Balance, we add all your Daily Balances and divide 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. Periodic Finance Charges begin to accrue from the later of the transaction date or the billing date of the Statement on which the transaction appears. Periodic Rates and Annual Percentage Rates: Rates — The Daily Periodic Rates and the corresponding Annual Percentage Rates for your Account are listed on the “Disclosure” section. The Daily Periodic Rate is the corresponding Annual Percentage Rate divided by the number of days in a year, rounded to the next highest hundred-thousandth of a percentage point. Variable Rate Information — The variable rates listed in the “Disclosure” are determined by adding a Margin listed in the “Disclosure” 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. Penalty Rate Information — Should your account be 60 days past due for any part of your payment, we may increase your interest rate to a maximum Annual Percentage Rate of 18.00%. 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 the “Disclosure.” Cash Advance and Balance Transfer Fees — For each Cash Advance, we will charge the Cash Advance Fees shown on the “Disclosure,” 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 4: OTHER FEES AND CHARGES Types of Other Fees and Charges — We will charge the following fees and other charges: Balance Transfer Fee — If a Balance Transfer Fee will apply for each creditor that we pay off with this account. Annual Fee — If an Annual Fee applies to your Account, it will be billed each year. Over limit Fee — No fee, Northwest Savings Bank may deny charges above the approved credit limit. Returned Payment Fee — A Returned Payment Fee for any payment on your Account that is returned unpaid. Stop Payment Fee — A Stop Payment Fee for any request made to stop payment on a Check unless we have posted the Check to your Account before your request. Copy Charge — A Copy Charge for a Statement, sales draft, Check, or other record of your Account other than a billing dispute you may assert against us pursuant to applicable law. Research Fee — A Research Fee for our time researching something requested on your Account other than for a billing dispute you may assert against us pursuant to applicable law. Telephone Transfer Fee — Payments made via telephone transfer from a Northwest deposit account will incur a fee. Express Mail Fee — Requests for a rush delivery of cards will incur a fee. Amount of Other Fees and Charges — The amount of Other Fees and Charges are listed on the “Disclosure” and added to the Purchase balance of the Account on the date they are assessed. SECTION 5: YOUR LIABILITY Liable Parties — If your name appears on a Statement, our records show that you are liable for the full balance due on the Account. By using your Account or making a payment on the Account knowing that your name appears on any Statement, you agree that our records are accurate. In addition, you are liable for the full balance due on the Account if you have agreed to be liable (even if your name does not appear on a Statement). In each case described above, you will be individually and jointly liable (“Liable Party”) for all credit extended on the Account (other than for Unauthorized Charges) including any Finance Charges, Other Fees and Charges and expenses as provided in this Agreement. Other Users of the Account — If you are not a Liable Party and you use this Account, you are liable for each trans- action 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 7), your liability does not relieve any Liable Party under this Agreement from liability for the Authorized User’s transactions until paid. SECTION 6: YOUR PAYMENTS Promise to Pay — You promise to pay us for all Transactions on your Account for which you are liable under Section 5 or by law. Allocation of Payments — Any payment made to your account in excess of your minimum payment will be allo- cated first to the balance with the highest annual percentage rate and any remaining portion to the other balances in descending order based on the applicable percentage rate. Minimum Payment Due — You will pay at least the Minimum Payment Due in the amount shown in your “Disclo- sure” by the Payment Due Date on your Statement. The Minimum Payment Due is: (a) $10.00 or 2.0% of the New Balance, whichever is greater, plus any Past Due amounts; or (b) your New Balance if less than $10. If your Over Limit Amount is greater than the Minimum payment Due, we may request the Over Limit Amount. Form of Payment — For all amounts you owe on your Account, you will pay us in U.S. dollars. All payments (other than cash payments at our Banking Centers or ATMs) must be drawn from funds on deposit in a U.S. depository financial institution. We may, at our option, accept payments made in foreign currency or checks drawn on non-U.S. banks. If we do so, 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. Payments Marked “Paid In Full” — We may accept letters, checks or other types of payment showing “payment in full” or using other language to indicated satisfaction of your debt, without waiving any of our rights to receive full payment under this Agreement. You must send any such communication to the “Billing Inquiries” address on your Statement. Satisfaction of your debt for less than the full amount due requires a written agreement, signed by one of our authorized officers. SECTION 7: OTHER IMPORTANT INFORMATION Signature — You should sign the back of your Card as soon as you receive it to help protect your Account from unauthorized use. However, your liability under Section 5 does not depend on whether you sign your card. No Security Interest on Purchases — This Agreement does not grant us a security interest in Purchases you charge to your Account. Account Materials — 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. 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 Savings Bank, Credit Card Programs, P.O. Box 788, Warren, PA 16365 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 wish to do so, write to: Northwest Savings Bank, Credit Card Programs, P.O. 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. 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. You may write us to cancel the order at any time. If you need to do so, please write to: Northwest Savings Bank, Credit Card Programs, P.O. Box 788, Warren, PA 16365 Authorized Users — 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 full extent you can, including but not limited to making any Purchases, Cash Advances, Balance Transfers 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 both notify us that you are terminating the authority and you physically retrieve the Card. If you cannot retrieve the Card, you will remain liable for any transactions that we cannot prevent after you notify us. 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 your Card or Account number 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. Lost or Stolen Cards and Checks - If your Card or Checks are lost or stolen, or if you think your Account is be- ing used without your permission, you must notify us immediately by calling the “Lost or Stolen Card” number on your Statement. Transactions with Merchants Return Policy — If a merchant discloses a policy such as “no returns”, “no refund”, “no return or credit without receip”, “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. Reservations — When using your Account to make travel or lodging reservations, obtain the merchant's cancella- tion 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. Recurring Transactions — 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 a new Account number is issued by us. 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. Default — Your Account is in default if you fail to comply with any of the terms of this Agreement including, incom- petency, 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. Closing Your Account — You may close your Account by notifying us. We may close your Account or suspend your credit privileges at any time without prior notice except as required by law. You will stop using your Account and destroy all Cards and Checks on your Account. All Liable Parties’ and Authorized Users’ liability will apply to all balances and transactions made on the Account even if they are made or processed after the date the Account is closed. If we receive a request from any Liable Party to remove another Liable Party from the Account, we may honor or refuse the request without prior notice.   A of this Ag! — We may amend this Agreement by changing, adding or deleting any term, condition, service or feature (“New Term”) of your Account or of this Agreement at any time. We will provide you with notice of the amendment to the extent required by law. Unless we state otherwise, any New Term will apply to your Account's unpaid balance and to new activity on your Account. If the amendment includes any change to the rate or rates of periodic interest that applies to your existing balances, we will obtain your consent before that New Term becomes effective. If we need to do so, we may obtain your consent in any one or more of the following ways: (a) By your usage of the Account after we give you notice of the amendment; (b) By your failure to write to us on-time if we request that you write to us to reject a New Term; or (c) By your affirmative agreement which may be obtained verbally, in writing or electronically. Any other term in the amendment will become effective without your consent, although you may be able to avoid a fee or charge by not making the type of transaction to which it applies after the effective date of the amendment. 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. GOVERNING LAW. THIS AGREEMENT IS GOVERNED BY APPLICABLE PENNSYLVANIA AND FEDERAL LAW. Regulation Z Initial Disclosure — You acknowledge receiving from us the initial disclosures required by Truth-in- Lending Regulation Z and agree that terms contained in the “Disclosure” apply to your use of the card. STATE SPECIFIC INFORMATION 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 Savings Bank may obtain at any time your credit reports for any legitimate pur- pose 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.