PEOPLES STATE BANK
VISA Gold Credit Card Agreement
Effective 8/1/2012
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 balances 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

None

∙ Balance Transfer

None

∙ Cash Advance

Either $2 or 2% of the amount of each cash advance, whichever is less.

∙ Foreign Transaction 

1% of each transaction in U.S. dollars

Penalty Fees

∙ Late Payment

∙ Over-the-Credit Limit

∙ Returned Payment

$10.00

$20.00

$20.00

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