PEOPLES STATE BANK
VISA Gold Credit Card Agreement
Effective 7/1/2010
The following information on interest rates, interest charges and fees are accurate as of the effective date of this 
agreement.  Updated information can be obtained by calling 1-800-988-8516.
Interest Rates and Interest Charges

Annual Percentage Rate       
(APR) for Purchases

8.90%

APR for Balance Transfers

8.90%

APR for Cash Advance

8.90%

Penalty APR

N/A

How to Avoid Paying Interest 
on Purchases

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.

Minimum Interest Charge

None

For Credit Card Tips from 
the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the                          
website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees
Annual Fee

Transaction Fees

· Balance Transfer
· Cash Advance
· Foreign Transaction 
Penalty Fees

· Late Payment
· Over-the-Credit Limit
· Returned Payment

None

None
Either $2 or 2% of the amount of each cash advance, whichever is less.

1% of each transaction in U.S. dollars

$10

None

$20

How We Will Calculate Your Balance:  We use a method called "average daily balance (including new purchases)."