PEOPLES STATE BANK
VISA Classic 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

12.90%

APR for Balance Transfers12.90%

APR for Cash Advance

12.90%

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

None

∙ Balance Transfer

∙ Cash Advance

None
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)."