Welcome to the Northwest family.

Transcription

1 Welcome to the Northwest family. Everything you need to know about the conversion of your Lorain National Bank accounts.

2 Downtown Hudson, Ohio

3 Together, we re better. We look forward to many great days ahead. We are excited that Lorain National Bank (LNB) will soon become Northwest Bank. The merging of our two institutions will allow us to serve you better with a wide range of financial products and services, the convenience of 25 full-service banking offices across northern Ohio (and another 157 across Pennsylvania, New York and Maryland), access to more than 55,000 free ATMs, expanded electronic banking services and much more. We are confident that you will be delighted with the added benefits that our combined banks will offer. Although the name of your bank is changing, the LNB employees who currently serve you will become employees of Northwest. They will continue to assist you as members of the growing Northwest family, maintaining the hometown bank tradition of personal, friendly service that LNB has provided the residents and businesses of northern Ohio for decades. Please be assured that you will automatically receive everything you need to continue banking without interruption. We will do everything we can to make the transition as seamless as possible and appreciate your patience as we proceed through the conversion. We have prepared this easy-to-understand booklet to help answer any questions you may have about your accounts at LNB and any changes you may encounter as a new Northwest customer. We hope that you will find it helpful and informative. In the meantime, if you have any questions, please call Northwest Direct at , Option 5, weekdays, 7 a.m. to 8 p.m., and Saturdays, 8 a.m. to 1 p.m. One of our live customer service experts will be happy to help. We thank you for your continued loyalty and trust and are pleased to welcome you as a customer of our bank. Sincerely, William J. Wagner President and CEO

4 About this booklet Your bank is changing. We ll make it easy. We re delighted you re joining our growing family of personal and business banking customers. This booklet is an important first step in our relationship. Please use it for your reference we think you ll find this booklet useful and informative during the conversion process. In the following pages, you ll find details on your existing accounts and services and how they ll be affected by the transition to Northwest. In many cases, there will be little or no change to the way you bank. You ll also discover many great new benefits as a Northwest customer. Our dedicated team is here to make it easy. If you have any questions, please call Northwest Direct at , Option 5, weekdays, 7 a.m. to 8 p.m., and Saturdays, 8 a.m. to 1 p.m. As we prepare for conversion, please keep these important dates top of mind. AUG 3 AUG 10 AUG 14 AUG 15 AUG 17 AUG 24 Important Dates New Northwest Debit, ATM and HSA Cards mailed Week of August 3, 2015 LNB ATM network updated - Deposit function at some ATMs may be temporarily unavailable Week of August 10, 2015 LNB offices open normal hours Friday, August 14, 2015 LNB Online and Mobile Banking ends Friday, August 14, p.m. (No access until August 17 7 a.m.) LNB offices closed Saturday, August 15, 2015 ATM deposit function available at new Northwest offices Monday, August 17, a.m. LNB Debit, ATM and HSA Cards deactivated and Northwest Debit, ATM and HSA Cards activated Monday, August 17, a.m. Northwest Online and Mobile Banking begins Monday, August 17, a.m. LNB offices reopen as Northwest Monday, August 17, a.m. New loan coupon books mailed Week of August 24, 2015

5 Table of Contents General Questions and Answers...4 Personal Banking... 6 Account Changes at a Glance...8 Personal Checking Accounts...10 Money Market Account...10 Health Savings Account (HSA)...10 Savings Accounts Certificates of Deposit (CD) Individual Retirement Accounts (IRA) Wire Transfers...13 Safe Deposit Boxes...13 Personal Online and Mobile Banking...13 Debit and ATM Cards ATM Network...15 Credit Cards Investment & Trust Services Mortgage, Home Equity, Personal and Auto Loans...17 Business Banking Account Changes at a Glance...20 Business, Non-Profit and Municipal Checking Business Money Market Account Business Savings Accounts Night Deposit Boxes Overdraft Protection Safe Deposit Boxes Business Online and Mobile Banking...24 Business Debit Cards ATM Network Business and Commercial Real Estate Loans...26 Business Credit Cards...26 Business Wire Transfers...26 Cash Management and Merchant Services Northwest Banking Network...28 Coverage Map...28 Ohio Office Contact Information...29 Account Disclosures and Fee Schedules ,000+ Free ATM Network Lorain Lighthouse, Jewel of the Port

6 Questions? We have answers. Who is Northwest Bank? Northwest, like LNB, is a customer-oriented, full-service community bank that offers all of the financial products and services you, your family or your business may need. Northwest is a financially strong institution, rated well-capitalized by the FDIC. It has a history of award-winning customer service, having been ranked Highest in Customer Is there anything I need to do right now? No. Just keep banking as usual with LNB. Your accounts will automatically be converted to Northwest accounts. We are committed to making the transition as smooth as possible. For detailed information on account changes, please read the information, disclosures, agreements and notices in this booklet. Satisfaction with Retail Banking in the Mid-Atlantic Region by J.D. Power four times in the last six years. Northwest has also been included three times on the Forbes list of America s 100 Most Trustworthy Companies. What should I do if I have questions? If you have any questions about the conversion, please call Northwest Direct at , Option 5. Our Live Customer Service hours are weekdays, 7 a.m. to 8 p.m., and Saturdays, 8 a.m. to 1 p.m. If you prefer, When will I become a Northwest customer? LNB will become Northwest Bank on Monday, August 17, 2015, making you a you may also visit any of our Ohio offices. Please refer to page 29 of this booklet for office addresses and telephone numbers. part of the Northwest family. Will the LNB office staff remain Will office hours remain the same? Yes. All office hours will remain the same as before the conversion. with Northwest? Yes. The same friendly, professional bankers who currently serve you as LNB employees will continue to assist you with your financial needs as Northwest employees. 4

7 Charles Berry Bridge in Lorain, Ohio Does Northwest offer 24-hour telephone account information? Yes. We call it Bankline. You will enjoy the convenience of 24-hour account information by phone. Bankline lets you check account balances, account information and transactions that have cleared. You can also transfer funds. Enroll for this service by visiting your local office. Will the offices be open during the conversion? LNB offices will be open during normal business hours on Friday, August 14, 2015, but will be closed Saturday, August 15, LNB offices will reopen Monday, August 17, 2015 as Northwest Bank. Please keep in mind, although the offices are closed, LNB office and off-premise ATMs will be available for cash withdrawals and your LNB debit Can I access my Online and Mobile Banking during conversion weekend? card will be fully-functional until Monday, August 17, 2015 at 5 a.m. No. Customers can access their LNB accounts through Online and Mobile Banking at until 7 p.m. on Friday, August 14, You will not be able to access your accounts through Online and Mobile Banking until Monday, August 17, 2015 at When will the LNB website become The LNB website will redirect to on Friday, August 14, 2015 at 7 p.m. 7 a.m. at Please refer to page 13 for specific information regarding Online and Mobile Banking and Bill Pay. Look for this symbol throughout this booklet for changes that may require action. 5

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9 Personal Banking Get back to living. To aid with a smooth transition, we ve provided you with easy-to-follow comparison charts to illustrate how your existing accounts will convert to Northwest and some specific answers to questions that may be on your mind. At Northwest, we remain dedicated to enhancing your life with financial products and services and simplifying it with flexible, convenient access so you can spend more time doing the things in life that matter. Whether you re looking for convenient access to your accounts, saving or investing for the future or buying a new home we ve got you covered. If you have any questions or would like to open a new account, please visit your local office, call Northwest Direct at , Option 5, or visit 7

10 Your existing LNB accounts will convert to the following Northwest Bank accounts: LNB Account Name: New Northwest Account Name Snapshot of account terms and conditions: Non-Interest Bearing Checking Accounts E-Checking Personal Checking Personal Checking (Regular Checking) Student Checking Basic Checking MyNorthwest Checking (I) $3.00* monthly service charge if average daily balance < $ $3.00** paper statement fee MyNorthwest Checking (II) Current terms and conditions will continue MyNorthwest Student Checking $3.00** paper statement fee Basic Checking $5.00* monthly service charge $3.00** paper statement fee Interest Bearing Checking Accounts Contact Northwest Direct at or visit us online at for current rates at conversion. Relationship Checking Employee Relationship Checking Fortune 50 Fortune 50 Plus Checking High Value Checking More Interest Checking VIP Checking MyNorthwest Interest Checking (I) $10.00* monthly service charge if average daily balance <$1, $1, average daily balance to earn interest $3.00** paper statement fee Check images provided at no cost MyNorthwest Interest Checking (II) $5.00* monthly service charge if average daily balance <$ $1, average daily balance to earn interest Check images provided at no cost MyNorthwest Interest Checking (III) $1, average daily balance to earn interest Check images provided at no cost Money Market Account Market Access Account Insured Money Fund (IMF) $10.00* monthly service charge if average daily balance <$2, Interest earned depends on account balance Tier 1 Up to $2, Tier 2 $2, $9, Tier 3 $10, $74, Tier 4 $75, $4,999, Tier 5 $5,000, and over Check images not provided with statement See full account disclosures beginning on page 30 for accounts on pages 8 and 9. All Northwest deposits are insured for the same amount of FDIC insurance as your LNB deposits. If you have accounts with both LNB and Northwest, they will be separately insured for six months from the date of the merger up to the limits determined by the account ownership and FDIC limits. 8 *Waived for the first statement period (accounts on pages 8 and 9). **Waived for the first statement period. Fee can be avoided by enrolling in estatementsplus (accounts on pages 8 and 9). Affinion benefit will be discontinued prior to conversion (formerly FISI-Madison).

11 Your existing LNB accounts will convert to the following Northwest Bank accounts: LNB Account Name: New Northwest Account Name Snapshot of account terms and conditions: Savings Accounts Silver Savings Employee Silver Savings High Value Savings Statement Savings (I) $3.00* monthly service charge if average daily balance <$ Accounts with at least one owner <18 years of age will not incur the monthly service charge $ average daily balance to earn interest Statement Savings (II) $ average daily balance to earn interest Individual Retirement Accounts (IRA) 18-Month Variable Rate Roth or Traditional IRA Fixed Rate Roth or Traditional IRA Terms ranging from 6 months to 60 months 18-Month Variable Rate IRA Interest rate may change on last day of each calendar quarter Early Withdrawal If you withdraw principal before maturity, we may impose an interest penalty You will receive a renewal notice prior to maturity with your new account terms 7-day grace period Fixed Rate Roth or Traditional IRA Current terms and conditions will continue through maturity Early Withdrawal If you withdraw principal before maturity, we may impose an interest penalty You will receive a renewal notice prior to maturity with your new account terms 7-day grace period Certificates of Deposit (CD) Fixed Rate CD Terms ranging from 7 days to 60 months No Penalty CD Fixed Rate CD Current terms and conditions will continue through maturity You will receive a renewal notice prior to maturity with your new account terms 7-day grace period for CDs with terms over 31 days Fixed Rate CD No penalty for early withdrawal of all or part of principal from the account prior to maturity Only one withdrawal permitted during the current term Penalty free option will expire at the end of the current term You will receive a renewal notice prior to maturity with your new account terms 7-day grace period Health Savings Account (HSA). Health Savings Account Individual Family Employee Individual Employee Family Health Savings Account $3.00* monthly service charge if average daily balance <$1, $0.25 for each check, over 5 checks, posted to your account per statement period $3.00** paper statement fee $1, minimum daily balance to earn interest Interest earned depends on account balance Tier 1 $1, $4, Tier 2 $5, $14, Tier 3 $15, and over 9

12 Personal Checking Accounts Money Market Account - Insured Money Fund (IMF) Health Savings Account (HSA) 10 ACCOUNT NUMBER Will my account number change? No. Your account number will not change. ACCOUNT ACTIVITY If I write a check before the conversion and it doesn t clear until after, will it be paid? Yes. Your checks will be paid, provided there are sufficient funds available. I have electronic debits and/or credits automatically posting to or from my account such as payroll, Social Security, or automatic payments. Do I need to do anything? No. You do not need to do anything. What will happen to recurring payments being made with my debit card? Once you receive your new Northwest Debit Card, you will need to set up recurring payments using your new debit card number. You can activate your new debit card on August 17, 2015, at 5 a.m. INTEREST RATES Where can I find the interest rate and APY for interest bearing accounts? After conversion, please visit or call Northwest Direct at , Option 5, weekdays, 7 a.m. to 8 p.m., and Saturdays, 8 a.m. to 1 p.m., for current rates. ACCOUNT STATEMENT Will I receive my account statement at the same time of the month? You will receive a final periodic statement from LNB for the period ending August 14, Thereafter, your statement period will end: Checking: The 13th of each month IMF: The 4th of each month HSA: At month end Will I still receive check images with my statements? You will continue to receive check images in your monthly checking statement from Northwest. IMF customers will not receive images. Customers can also view statements and check images through Northwest s Online Banking at How do I continue to receive statements electronically? In order to continue getting your statements online, plus other account notifications, please select the Statements tab and complete the enrollment process when you login to Online Banking. Once you enroll, you will have access to past statements under the Notices tab within estatements. OVERDRAFT PROTECTION Will my linked checking, savings, IMF or line of credit still be used for overdraft protection? Yes. Any accounts that are currently linked for overdraft protection will continue. What increments will transfer from my linked account in the event of an overdraft? If your linked account is a checking or savings account, the amount that will transfer will be the amount overdrawn plus any applicable fee. If your linked account is a line of credit, any increment that is currently set up to transfer will continue. What are the fees for Overdraft Protection? There is a $12.00 annual fee and a $10.00 per transfer fee for any account that is protected by a checking, savings or IMF account. The protected account will be assessed these fees. For a checking account that is protected by a line of credit, there will be a $12.00 annual fee assessed to the protected account. The annual fee will begin to be assessed starting in January COURTESY OVERDRAFT PROGRAM (PREMIUM PAYMENT PROTECTION) Will my authorization for overdraft coverage of everyday debit card transactions continue? Yes. The option that you selected at LNB will be converted to your account with Northwest. After conversion, we will send confirmation of your opt-in selection, which will include contact information if you wish to change your preference. Does Northwest allow withdrawals at an ATM or teller line when funds are not available? No. Funds must be available in the account to perform a withdrawal at an ATM or teller line.

13 CHECK REORDERING Will I need to order new checks? No. You may continue to use your existing LNB checks. When you are ready to reorder, visit your local office or submit your order through Online Banking. When I want to reorder checks or deposit slips, do I use the same form that I received with my LNB checks? No. When you are ready to reorder, visit your local office or submit your order through Online Banking. Will my check style differ when I reorder in the future? The style of check that you currently have may differ slightly when you reorder. Please visit your local office or sign on to Online Banking to review the wide array of options Deluxe, our preferred check provider, has to offer. What if I currently order checks from another check printer? Although we recommend ordering checks from Deluxe, our preferred check provider, you may continue to use your existing check printer. If I choose to continue using my existing check printer, is there anything else I need to do? Your check printer should be notified of Northwest s routing number ( ) to avoid any future inconvenience. Please visit your local office for required specifications needed prior to reorder. Will I continue to receive free or discounted personal checks, money orders or cashier s checks? This benefit will be discontinued after conversion. For personal checks, please contact your check printer for pricing when you reorder. For current pricing on money orders or cashier s checks, please see the Consumer Additional Account Fee Schedule on page 32. BENEFITS FROM AFFINION Will my additional benefits from Affinion (formerly FISI-Madison) associated with my Fortune 50 Plus account continue? The benefits will be discontinued prior to conversion. Please look for additional communication from LNB. RELATIONSHIP CHECKING CUSTOMERS How are my Relationship Checking Account benefits changing? CD Bonus Rate: The bonus rate on your CD at conversion will be honored through the current term. You will receive a renewal notice prior to maturity with new account terms. Discounted Home Equity Line of Credit Rate: Your current discounted margin designated in the gold or silver tier will be honored and fixed at time of conversion. The margin will be maintained for all future disbursements and with changes to the index rate. Refund on ATM fees: Northwest does not assess a foreign ATM fee. If utilizing an ATM not owned by Northwest or that is not associated with Allpoint or Freedom ATM Alliance networks, you may incur a fee from the owner of the ATM that will no longer be refunded. Please visit to locate surcharge-free ATMs. See page 57 for more information. Annual Free Box of Safety Paper Checks: This benefit will be discontinued after conversion. HSA ACCESS Can I name someone else to have access to my Health Savings Account? Yes. You can add one authorized signer. Will my HSA Debit Card change? Yes. You will receive a new Northwest HSA Debit Card in the mail with instructions during the week of August 3, How many debit cards can I have for my HSA? You may have two cards, one for yourself and one for another authorized signer. Can I have Online Banking with my HSA Account? Yes. Your HSA Account will be accessible on your Online Banking profile. Your authorized signer may also have online access by completing an application at their local office. 11

14 Savings Accounts Certificates of Deposit (CD) Individual Retirement Accounts (IRA) ACCOUNT NUMBER Will my account number change? No. Your account number will not change. ACCOUNT ACTIVITY I have electronic debits and/or credits automatically posting to or from my account such as payroll, Social Security, or automatic payments. Do I need to do anything? No. You do not need to do anything. INTEREST RATES Where can I find the interest rate and APY for interest bearing accounts? After conversion, please visit or call Northwest Direct at , Option 5, weekdays, 7 a.m. to 8 p.m., and Saturdays, 8 a.m. to 1 p.m., for current rates. ACCOUNT STATEMENT When will I receive my savings account statement? You will receive a final periodic statement from LNB ending August 14, Thereafter, you will receive a month end statement beginning on August 31, How do I continue to receive statements electronically? In order to continue getting your statements online, plus other account notifications, please select the Statements tab and complete the enrollment process when you login to Online Banking. Once you enroll, you will have access to past statements under the Notices tab within estatements. ACCOUNT NUMBER Will my account number change on my CD or IRA? Yes. The account number will now include the last two digits of your Deposit ID. For example: If you have one CD or IRA and the account number was , your new account number will be If you have two CDs or IRAs and the account numbers were and , your new account numbers will be and ACCOUNT TERMS Will the rate on my CD(s) and/or IRA(s) change? Fixed rates will be honored through the current term. 18 Month variable rate IRAs (Roth/ Traditional) subject to change on a quarter end basis. Will the term on my CD(s) and/or IRA(s) change? Northwest will honor all current terms through maturity, with the exception of: Your grace period will change from 10 days to 7 days. For anniversary CDs, the date of your next interest payment will be the same day as maturity. For example, if your maturity date occurs on the 18th of the month, interest will be paid on the 18th of each month or quarter based on CD terms. ACCOUNT STATEMENT Will I continue to receive an annual IRA statement? Yes. You will continue to receive an annual IRA statement in January of each year. IRA DISTRIBUTION Can I change my automated IRA distribution? Yes. Your local Northwest office will have you sign a Distribution Request Form to make that change. 12

15 Wire Transfers Safe Deposit Boxes What should I expect the first time I initiate an outgoing wire request? All customers, whether they are in person, using a Transfer of Funds Agreement or Online Banking should expect a phone call from a Northwest employee, using a phone number that is on Northwest records, the first time an outgoing wire request is initiated. What should I expect when I initiate a foreign outgoing wire? Any customer executing a first time foreign outgoing wire request will receive a callback, regardless of how the wire is initiated. The phone number used for the callback must be on record with Northwest. Will I be contacted by a Northwest employee for anything other than a first time request? A Northwest employee may contact you to verify the information, if instructions or larger amounts do not appear to fit your usual pattern. Am I able to do an outgoing wire request without coming into an office? Our customers are able to initiate wires through the office by calling, faxing or ing a request, but only if they are setup with a Wire Transfer of Funds Agreement and Authorization. This agreement and authorization must be in place before it can be used. A customer must visit their local office to fill out this paperwork before initiating this type of wire request. When the office receives this type of request, the office will initiate a callback to verify the information with the customer. Is there any reason a wire could be delayed or canceled? If at any time a Northwest employee is not able to communicate with a customer regarding wire instructions or amounts, it is possible a wire could be canceled or delayed. It is important that we have valid phone numbers and contacts for call back verifications. What will happen to my Safe Deposit Box? The contents of your Safe Deposit Box will remain secure after the conversion to Northwest. Additionally, access to your Safe Deposit Box will remain the same. Online and Mobile Banking When will access to LNB Online and Mobile Banking end? Customers can access their personal Online and Mobile Banking until 7 p.m. EST on Friday, August 14, When is the last date that my Online Banking transactions will be processed? Internal one time transfers, A2A, P2P and scheduled bill payments will be processed until 7 p.m. EST on Friday, August 14, Any scheduled external transfers will be processed on Thursday morning, August 13, When can I login to Northwest Online Banking? Online and Mobile Banking will be accessible beginning at 7 a.m. on Monday, August 17, You will receive an with a temporary password by 7 a.m. that you will use with your current Login ID*. For additional security, upon your initial login, you will be required to set up your PassMark image, phrase and challenge questions. Will my online information be converted to Northwest? Yes. As long as you have accessed Online Banking since January 1, 2015, the following information will be converted to Northwest s Online Banking: Login ID*, Accounts, 90 days of transaction history, Bill Payment payees and history and future dated or recurring Bill Payments and internal transfers. The following information will NOT be converted and action is required: Passwords: Northwest will you a temporary password by 7 a.m. the morning of August 17, Please make sure your current address is on file with LNB. Account Nicknames: You may set up nicknames for your accounts by selecting Preferences and change account preferences. *Customers who have Login IDs that are incompatible with Northwest Online Banking will be contacted to change their Login ID prior to conversion. 13

16 Mobile Banking: Enroll for Mobile Banking at Northwest by selecting the Mobile tab when you login to Online Banking. Once enrolled, you may download our mobile app and bank using SMS commands. estatementsplus: In order to continue getting your statements online, plus other account notifications, please select the Statements tab and complete the enrollment process when you login to Online Banking. Once you enroll, you will have access to past statements under the Notices tab within estatements. ebills: ebills will be turned off on August 7, 2015 and you will no longer receive ebill notifications. Please reestablish new ebills within the Northwest Online Bill Payment system. Is there any functionality I will lose with Northwest? Northwest does not offer P2P, A2A or external transfers outside of our institution. We are working on a solution for the future that will provide customers that type of functionality. Is there any functionality I will gain with Northwest? The Northwest Online Banking system allows personal customers to make payments to their Northwest loan accounts, including principal only payments. In addition, customers have the ability to open new accounts within Online Banking, longer access to account history transactions, Direct Connect service with Quicken and QuickBooks and additional security using IBM Security Trusteer Rapport. Mobile Banking customers will also have mobile deposit with a cut off time of 9 p.m., Monday through Friday. Does Northwest offer additional online security? Security is our top priority. That s why we partnered with IBM Security, a leading expert in financial security, to offer Trusteer Rapport, customized online fraud protection at no cost. Is there a fee for Online Banking? Northwest offers personal Online and Mobile Banking and Bill Pay free of charge as a convenience to our customers. How do I sign up for Online Banking if I am currently not a LNB Online Banking customer? Beginning Monday, August 17, 2015, you may go to and click on Online Banking to enroll. Once you complete the online enrollment, you will receive an within two business days with your temporary password. Once enrolled, you may sign up for Mobile Banking, estatementsplus and Bill Pay by selecting the corresponding tabs the first time you login to Online Banking. How do I sign up for Mobile Banking if I am currently not a LNB Mobile Banking customer? Enroll for Mobile Banking by selecting the Mobile tab when you login to Online Banking. Once enrolled, you may download the Northwest Mobile Banking app from Apple s App Store or Google Play for Android devices.** Debit and ATM Cards Will I need a new Debit Card? Yes. You will receive a new Northwest Bank Debit Card in the mail during the week of August 3, Your new card will be Visa branded. You can continue to use your LNB Debit Card to make cash withdrawls and debit card purchases. Will I need a new ATM Card? Yes. You will receive a new Northwest Bank ATM Card in the mail during the week of August 3, What is the difference between the Northwest Debit Card and the Northwest ATM Card? The Northwest Debit Card is offered to Checking Account customers to be used to make point of sale purchases, both signature or non-signature (PIN). You can also deposit and withdraw from an ATM with your Debit Card. The Northwest ATM Card is offered to customers who only have a Savings Account. This card is used to make deposits or cash withdrawls from an ATM. Purchases cannot be made using your Northwest ATM Card. When should I begin to use my new Northwest Debit Card? You may activate your Northwest Debit Card anytime after 5 a.m. on August 17, 2015, by using an ATM or by calling STAR at Your LNB Debit Card will be automatically deactivated at 5 a.m. on August 17, **App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.

17 When should I begin to use my new Northwest ATM Card? You may activate your Northwest ATM Card anytime after 5 a.m. on August 17, 2015, by using an ATM. Your LNB ATM Card will be automatically deactivated at 5 a.m. on August 17, Will my Personal Identification Number (PIN) change? Yes. Your Personal Identification Number (PIN) will change. During the week of August 3, 2015, you will receive a mailer containing a system generated PIN. After activation, if you wish to change your PIN, the following action is required: Debit Card: Visit your nearest Northwest ATM or call STAR at and follow the voice automated prompts. ATM Card: Visit your nearest Northwest ATM. Can I still make purchases with my ATM Card? No. You will no longer be able to make purchases with your LNB ATM Card. If you currently have a checking account linked to your ATM card, your card will be replaced with a Northwest Debit Card. If you currently have a savings account linked to your ATM card, you will be able to make cash withdrawals from an ATM using your new Northwest ATM Card. What will happen to recurring payments being made with my debit card? Once you receive your new Northwest Debit Card, please reestablish recurring payments using your new debit card number. You can activate your new debit card on August 17, 2015, at 5 a.m. ATM Network Can I still use MoneyPass surcharge-free ATMs? You can still use MoneyPass ATMs, but they will no longer be surcharge-free. You will, however, have even more access to surcharge-free ATMs through the Allpoint and Freedom ATM Alliance networks. Surcharge-free ATMs can be found using the Locator feature at Please see page 57 for more information. Can I still make ATM deposits? Yes. You can make deposits at Northwest depositaccepting ATMs. You will no longer be able to make deposits at another bank s ATM. Deposit functionality may be temporarily unavailable the week of August 10, As of August 17, 2015, you can begin making ATM deposits. Who do I call if my Northwest Debit or ATM Card is lost or stolen? Beginning August 17, 2015, if your Northwest Debit or ATM Card is lost or stolen, please call Northwest Direct at , Option 5. To report a lost or stolen card outside of normal business hours, please call Does Northwest have a debit card rewards program? Yes. Northwest offers GO! Rewards, a debit card rewards program, with no fee and no sign up requirements. All Northwest Debit Card customers are automatically enrolled in the program. Earn one point for every $1.00 spent on all signature purchases or one point for every $2.00 spent on all non-signature or PIN purchases. View or redeem points by visiting the GO! Rewards site through 15

18 Credit Cards Investment & Trust Services Will I be able to continue to use my LNB credit card? Yes. You will be able to continue to use your LNB credit card. The terms of your existing card will remain the same. Will there be any changes to my existing LNB credit card? Yes. You will no longer be able to make payments at any of our offices. Payments should be made by mail, online or phone. The payment address is: Cardmember Service, P.O. Box , St. Louis, MO Any questions regarding servicing of your existing account should be directed to Elan Financial Services at I don t have a credit card. Can I apply for one with Northwest? Yes. You will be able to apply for a credit card with Northwest. To apply, visit a Northwest office, go online or call Northwest Direct at , Option 3, weekdays, 7 a.m. to 8 p.m., and Saturdays, 8 a.m. to 1 p.m. What type of credit cards does Northwest offer? Northwest offers four different types of personal credit cards to fit any lifestyle with low, competitive interest rates and great service: Loyalty: Be rewarded for your loyalty to Northwest and receive a 1% discount on your APR when you have three or more relationships, which may qualify you for a variable APR as low as 6.24%. Rewards: Earn one point per dollar on qualifying retail purchases. Redeem points for merchandise or travel. Classic: Enjoy having the peace of mind of a fixed APR. Secured: This card is excellent for customers who wish to establish credit or repair damaged credit. Will my Trust Account number change? No. Your account number will not change. Will my Trust Officer contact information change? No. You will be able to contact the Trust Officer who handles your account at the same number and in the same location as you have in the past. Will online access to my account change? No. Your online account access will not change. I have a scheduled monthly/quarterly distribution from my account. Do I need to do anything? No. All disbursements/distributions from your account will continue with no disruption. Do I need to do anything to continue to receive the direct deposit of my Social Security or any other government deposit? No. The originators will be notified that the routing number will change. You do not need to do anything. We do recommend that you call your Trust Administrator the first month to verify that your direct deposit has been received. Will I continue to receive my Trust Account statement at the same time of the month? Yes. Your statement cycle will remain the same. The only change to your statement will be the addition of the Northwest logo. Who do I call if there is an error on my statement or my distribution is not made? You will continue to contact your Trust Officer using the same contact information you have used in the past. Additional information will be mailed to Investment & Trust customers in the coming weeks. 16

19 Mortgage, Home Equity, Personal and Auto Loans Will my loan account number change? No. Your account number will not change. Will my loan terms change? No. The loan terms as outlined in your consumer or mortgage documents will be honored by Northwest. Will I receive a new loan coupon book? Mortgage and equity customers will receive a new coupon book the week of August 24, 2015, that will provide expanded information. As your loan account number will remain unchanged, you may continue to use your LNB loan payment coupons in the meantime. There will be no changes to the coupon book for personal and auto loan customers. You may continue using the same book you currently have. What will I use to pay my loan? You can continue to use your current coupon book until a replacement book, if applicable, is received. If you make your payments using Online Banking or our 24/7 automated telephone banking system, Bankline, no coupon is needed. Will I receive new checks to access my line of credit? No. You may continue to use your current checks to access your line of credit. Will there be a change in how I make my loan payments? If you mail your loan payments, you may send them to P.O. Box 3001, Warren, PA You may also make a payment in person at any of our Northwest offices in Ohio, Pennsylvania, New York and Maryland. Payment may also be made by automatic transfer from a Northwest Checking or Savings Account, via ACH, by calling Northwest Direct at or through Online Banking. Will my mortgage loan escrow account transfer to Northwest? Yes. Your escrow account will automatically transfer to Northwest and the terms and conditions will remain the same. You will receive a new annual escrow analysis statement beginning in December 2015 and every 12 months thereafter. If your account is an adjustable rate mortgage, your escrow analysis statement will coincide with your rate change date. My loan payment is automatically deducted from my checking account. Will this service continue? Yes. The date the loan payment is deducted will remain the same and payments will continue without interruption. Will there be any other differences in how my loan is handled? In the event your hazard, flood or vehicle insurance lapses, Northwest will obtain insurance on your behalf and your account will be charged. Can I make a loan payment using Bill Pay through another financial institution? If you currently pay via Online Banking with another financial institution, you will need to update your Bill Pay to reflect Northwest and update the mailing address. Can I apply for a new loan with Northwest? Yes. For more information, please visit your local office, call Northwest Direct at or visit Additional information will be mailed to Auto Loan customers in the coming weeks. Will I have the option to pay by phone? Yes. Contact Northwest Direct at , Option 5, to arrange a loan payment by phone from a checking account at another financial institution. 17

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21 Business Banking Solutions for your business. To help with a seamless conversion, we ve provided you with easy-to-understand comparison charts to clarify how your existing accounts will transition to Northwest and some specific answers to questions that may be on your mind. At Northwest, our dedicated team of professionals will take the time to understand your business, providing the personal attention you deserve and the comprehensive products, services and access you need. From equipment financing and lines of credit to employee benefit plans and cash management services, we re large enough to handle your diverse financial needs, yet small enough to genuinely partner with your business. Whether you are a small business that s just getting started or a large corporation looking to expand, we can tailor a plan to do exactly what you need it to do to start, grow or protect your business. If you have any questions or would like more information on our business solutions, please contact your current relationship manager, call Northwest Direct at , Option 5, or visit 19

22 Your existing LNB accounts will convert to the following Northwest Bank accounts LNB Account Name: New Northwest Account Name Snapshot of account terms and conditions: Business Checking Accounts Business Basic Corporate Checking Business Checking Premier Business Checking Commercial Checking AAS Business Checking AAS Business Check Invest Business Interest Checking Capital Business Checking IOLTA Business Checking Non-Interest $10.00* monthly service charge if average daily balance <$5, $0.15* per item over 100 items per statement period Business Checking Plus $0.40* per item over 300 items Business Analysis Current analysis fee structure will remain the same* Business Tiered Interest Checking $10.00* monthly service charge if average daily balance is <$5, $0.40* per item over 100 items per statement period Interest earned depends on account balance Tier 1 Up to $4, Tier 2 $5, $9, Tier 3 $10, $24, Tier 4 $25, $4,999, Tier 5 $5,000, and over IOLTA $5, average daily balance to earn interest Non-Profit Checking Account Non-Profit Checking Non-Profit Checking $5, average daily balance to earn interest Municipal Checking Accounts DDA Public Checking DDA Public Checking AAS DDA Public Interest Checking DDA Public Interest Checking AAS Business Market Access Municipal Checking Non-interest bearing Municipal Checking $5, average daily balance to earn interest Interest earned depends on account balance Tier 1 $5, $74, Tier 2 $75, $4,999, Tier 3 $5,000, and over *Fees will be waived until November 2015 statement period. 20

23 Your existing LNB accounts will convert to the following Northwest Bank accounts LNB Account Name: New Northwest Account Name Snapshot of account terms and conditions: Business Money Market Account Business Market Access Business Insured Money Fund (IMF) $10.00** monthly service charge if average daily balance <$2, Interest earned depends on account balance Tier 1 Up to $2, Tier 2 $2, $9, Tier 3 $10, $74, Tier 4 $75, $249, Tier 5 $250, $4,999, Tier 6 $5,000, and over Business Savings Account Business Savings Business Statement Savings $5.00** monthly service charge if average daily balance <$1, $1, average daily balance to earn interest **Fees will be waived until October 2015 statement period. See full account disclosures on page 32, beginning with Deposit Account Agreement and Disclosure, for accounts on pages 20 and 21. All Northwest deposits are insured for the same amount of FDIC insurance as your LNB deposits. If you have accounts with both LNB and Northwest, they will be separately insured for six months from the date of the merger up to the limits determined by the account ownership and FDIC limits. Investment Sweep Account Investment Sweep Investment Sweep Account Fee per existing LNB agreement Interest earned depends on account balance Tier 1 Up to $99, Tier 2 $100, $249, Tier 3 $250, $999, Tier 4 $1,000, $4,999, Tier 5 $5,000, and over Not FDIC Insured. Not Bank Guaranteed. May Lose Value. 21

24 Business Checking, Non-Profit Checking, Municipal Checking and Money Market Account Business Insured Money Fund (IMF) ACCOUNT NUMBER Will my account number change? No. Your account number will not change. ACCOUNT ACTIVITY If I write a check before the conversion and it doesn t clear until after, will it be paid? Yes. Your checks will be paid, provided there are sufficient funds available. I have electronic debits and/or credits automatically posting to or from my account. Do I need to do anything? No. You do not need to do anything. INTEREST RATES Where can I find the interest rate and APY for interest bearing accounts? After conversion, please visit or call Northwest Direct at , Option 5, weekdays, 7 a.m. to 8 p.m., and Saturdays, 8 a.m. to 1 p.m., for current rates. ACCOUNT STATEMENT Will I receive my account statement at the same time of the month? You will receive a final periodic statement from LNB ending August 14, Thereafter, you will receive a month end statement beginning August 31, How do I continue to receive statements electronically? In order to continue getting your statements online, plus other account notifications, please select the Statements tab and complete the enrollment process when you login to Online Banking. Once you enroll, you will have access to past statements under the Notices tab within estatements. Will I still receive check images? Yes. You will continue to receive check images in your monthly checking statement from Northwest. Business IMF customers will not receive images. Customers can view statements and check images through Online Banking at Will I continue to receive combined statements? No. Northwest does not offer this service. You will receive a separate statement for each account. Will my statement activity continue to be grouped by transaction type? No. The transactions on your statement will be in chronological order. A separate listing of checks posted to your account in the current statement period is provided in sequential order. ENDORSEMENT STAMP Do I need to order a new endorsement stamp? After August 14, 2015, please stop into your local office and we will order you a new Northwest endorsement stamp free of charge. CHECK REORDERING Will I need to order new checks? No. You may continue to use your existing LNB checks. When you are ready to reorder, visit your local office or submit your order through Online Banking. When I want to reorder checks or deposit slips, do I use the same form that I received with my LNB checks? No. When you are ready to reorder, visit your local office or submit your order through Online Banking. What if I order from another check printer? Although we recommend ordering checks from Deluxe, our preferred check provider, you may continue to use your existing check printer. If I choose to continue to use my existing check printer is there anything else I need to do? Your check printer should be notified of Northwest s routing number ( ) to avoid any future inconvenience. Please visit your local office for required specifications needed prior to reorder. Will my check style differ when I reorder? The style of check that you currently have may differ slightly when you reorder. Please visit your local office or sign into Online Banking to review the wide array of options Deluxe, our preferred check provider, has to offer. 22

25 Business Savings Accounts Overdraft Protection ACCOUNT NUMBER Will my account number change? No. Your account number will not change. ACCOUNT ACTIVITY I have electronic debits and credits automatically posting to and from my account. Do I need to do anything? No. You do not need to do anything. INTEREST RATES Where can I find the interest rate and APY for interest bearing accounts? After conversion, visit or call Northwest Direct at , Option 5, weekdays, 7 a.m. to 8 p.m., and Saturdays, 8 a.m. to 1 p.m., for current rates. ACCOUNT STATEMENT When will I receive my business savings account statement? You will receive a final periodic statement from LNB ending August 14, Thereafter, you will receive a month end statement beginning on August 31, How do I continue to receive statements electronically? In order to continue getting your statements online, plus other account notifications, please select the Statements tab and complete the enrollment process when you login to Online Banking. Once you enroll, you will have access to past statements under the Notices tab within estatements. Will my linked checking, savings, IMF or line of credit still be used for overdraft protection? Yes. Any accounts that are currently linked for overdraft protection will continue. What increments will transfer from my linked account in the event of an overdraft? If your linked account is a checking or savings account, the amount that will transfer will be the amount overdrawn plus any applicable fee. If your linked account is a line of credit, any increment that is currently set up to transfer will continue. What are the fees for Overdraft Protection? There is a $12.00 annual fee and a $10.00 per transfer fee for any account that is protected by a checking, savings or IMF. The protected account will be assessed these fees. For a checking account that is protected by a line of credit, there will be a $12.00 annual fee assessed to the protected account. The annual fee will begin to be assessed starting in January Safe Deposit Boxes What will happen to my Safe Deposit Box? The contents of your Safe Deposit Box will remain secure after the conversion to Northwest. Additionally, access to your Safe Deposit Box will remain the same. Night Deposit Boxes Will my Night Deposit Box key still work? Yes. You can continue to access the Night Deposit Box with your current key. If you are a Night Deposit customer, visit your nearest Northwest office after August 17, 2015, to obtain a supply of disposable Northwest Night Deposit bags. 23