4/27/2016 Fowler�State�Bank���Fowler,�Indiana���Credit�Card�Application
https://secureforms.c3vault1.com/forms/fowlerstatebank/creditApp.asp 1/2Transaction�Fees �
CREDIT�APPLICATION
When�you�use�the...
Visa��or�MasterCard�
Credit�Card�for�the
purchase�of�goods�or
services,�the�following
benefits�are�yours!
TRAVEL�ACCIDENT�INSURANCE
You,�your�spouse�and�dependent�children�up�to
age�19�(age�25�if�a�full�time�student�at�any
institute�of�higher�learning)�are�automatically
covered�with�common�carrier�travel�accident
insurance�every�time�you�travel�by�air,�bus,�train,
ship,�taxi,�or�any�other�common�carrier�anywhere
in�the�world�when�you�charge�your�entire�fare�to
our�card.�This�coverage�is�provided�to�you�at�NO
EXTRA�COST.
Interest�Rates�and�Interest�Charges Visa��and�MasterCard�
Annual�Percentage�Rate�(APR)�for�Purchases 15.48%
Fixed
APR�for�Check�Transactions 15.48%
Fixed
APR�for�Cash�Advances 15.48%
Fixed
Penalty�APR�and�When�it�Applies None
Paying�InterestYour�due�date�is�at�least�25�days�after�the�close�of�each�billing�cycle.�We�will�not
charge�you�interest�on�retail�purchases�or�check�transactions�if�you�pay�your
entire�balance�by�the�due�date.�We�will�begin�charging�interest�on�cash�advances
on�the�transaction�date.�We�do�not�offer�balance�transfers.
Minimum�Interest�Charge None
For�Credit�Card�Tips�from�the�Federal�Reserve�BoardTo�learn�more�about�factors�to�consider�when�applying�for�or�using�a�credit�card,
visit�the�web�site�of�the�Federal�Reserves�Board�at
http://www.federalreserve.gov/creditcard.
Fees Visa��and�MasterCard�
Annual�Fee None
Check�Transactions
Cash�AdvancesNone
2.0%�of�the�amount�advanced���$10�maximum 4/27/2016 Fowler�State�Bank���Fowler,�Indiana���Credit�Card�Application
https://secureforms.c3vault1.com/forms/fowlerstatebank/creditApp.asp 2/2Penalty�Fees �
Other�Fees �Foreign�Transaction 1.0%�for�foreign�conversion�&�.8%�when�currency�conversion�does�not�occur
Late�Payment
Over�the�Credit�Limit
Returned�PaymentUp�to�$18.00
None
Up�to�$20.00
Replacement�Card�Fee $20.00
How�We�Will�Calculate�Your�Balance:�We�use�a�method�called�"average�daily�balance"�(excluding�new�purchases).*�An�explanation�of�this�method�is
provided�in�your�account�agreement.
Billing�Rights:�Information�on�your�rights�to�dispute�transactions�and�how�to�exercise�those�rights�is�provided�in�your�account�agreement.
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