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 

APR for Balance 
Transfers 

When you  open your account, based on  creditworthiness  and 

8.99% - 17.99%a  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. 

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, 8.99% - 17.99%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 

When you  open your account, based on  creditworthiness  and 
13.99%-21.99%b  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 

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 

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 5.50% Prime Rate as of 12/20/2018. 
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: 8.99% - 17.99%* (depending on creditworthiness and number 
of Northwest accounts) as of 12/20/2018. 

Cash Advance Annual Percentage Rate: 13.99% - 21.99%* (depending on creditworthiness and number of Northwest 
accounts) as of 12/20/2018. 

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 0.74917% to 1.49917 % per month. The corresponding Annual Percentage Rate is  8.99%  to 17.99%. Cash 
Advances: The Periodic Rate used to compute the FINANCE CHARGE for Cash Advances is 1.16583% to 1.83250% per 
month. The corresponding  Annual  Percentage  Rate  is  13.99%  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: 8.99% for Purchases and Balance   Transfers; 
13.99% 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 followingmanner: 

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 chargingprivileges. 

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 acard. 

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)  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.  

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.  Your Minimum Payment 
will be applied first to any unpaid fees or finance charges.  After that, if your account has balances with 
different APRs, we will allocate the amount of your payment up 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 inquestion. 

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 recordedmessages. 

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 inquestion 

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.