APR Disclosure
| VISA Classic* | Mastercard Classic* | Mastercard Gold* | |
| Annual Percentage Ratefor Purchases | 14.90% | 14.90% | 10.90% |
| Annual Membership Fee | No Annual Fee | No Annual Fee | No Annual Fee |
| Grace Period | 25 Days** | 25 Days** | 25 Days** |
| Method of Computing the Balance for Purchases | Average Daily Balance Including New Purchases** | Average Daily Balance Including New Purchases** | Average Daily Balance Including New Purchases** |
| Late Payment Fee | $15.00 | $15.00 | $15.00 |
| Over the Limit Fee | $15.00 | $15.00 | $15.00 |
| Return Check Fee | $15.00 | $15.00 | $15.00 |
| Minimum Monthly Payment | $10 or 3% (Whichever is greater) |
$10 or 3% (Whichever is greater) |
$25 or 2% (Whichever is greater) |
At the date this disclosure was updated (shown in the lower right-hand corner) the information listed above was accurate. Because rates and terms are subject to change, you may contact us for the current information by calling 1-800-624-9699.
* To qualify for a Peoples First Community Bank credit card you must have a banking relationship with us.
** A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of the statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25 day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 25 days from the closing date.
The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.
EQUAL CREDIT OPPORTUNITY ACT DISCLOSURE: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
(Rev. 02/01)
