Oriental Bank is Member FDIC  
 
 
 
 
Disclosure  
MasterCard Gold PUNTOS  
 
 
 
How We Will Calculate Your Balance:  We use a method called � Average Daily Balance (including new purchases)�.  
 
Loss of introductory APR:  We may end your introductory APR and apply the Penalty APR if you make a late paymen t.   
 
 
1 Prime Rate : The abovementioned variable rates are accurate based on a  3.25% Prime Rat e.  We added a margin of 
6.45% to 16.45% to the Prime Rate in order to determine the Purchase of Goods/Services and Balances Transfers APRs.   
 
2 Late payment means when a minimum payment is not received within a period of 60 consecutive days from its payment 
due date.  
 
Disclosed information about applicable rates, APRs and charges of the MasterCard Gold PUNTOS is accurate as of  
March  2020.  This information may have changed. For updated information in connection with this card you can write us 
at P.O. Box 1951 15, San Juan, P.R., 00919 -5115 or call us at 1.800.981.5554.  INTEREST RATES AND INTEREST CHARGES  
Annual Percentage Rate (APR) for Purchases  of 
Goods and Services  1.99%  Introductory APR for the first 6 months from the date the card  is issued .  After 
that, your APR will be from 9.70% to 19.70% based on your creditworthiness 
and subject to other credit requirements  established by Oriental Bank (�Oriental�). This APR 
will vary with the market based on the U.S. Prime Rate  (�Prime Rate�) .1 
APR  for Balance Transfers  of Other Financial 
Institutions  1.99% Introductory APR for the first 6 months from the  date the card is issued.  After that, 
your APR will be from 9.70% to 19.70% based on your creditworthiness and subject to other 
credit requirements established by Oriental. This APR will vary with the market based on 
the Prime Rate.1 
APR for Cash Advances  22.74%, this APR will vary with the market based on the Prime Rate.  
 
Penalty Rate and when it Applies  29.99%  
 
This APR will apply if you make a late payment.2   
 
How Long Will the Penalty APR Apply?  If your APRs are increased for this reason, the 
Penalty Rate will remain in effect until the account becomes current and  the Bank receives  
6 consecutive required minimum payments on or before the ir due date s. 
Paying  Interest   Your due date is at least 2 1 days after the close of each billing cycle. We will not charge you 
interest on new Purchases if you pay your entire balance by the due date of each month. 
However, w e will begin charging interest on cash advances and  balance transfers from the 
disbursement  date of these transaction s.  
Minimum  Interest  Charge  If you are charged interest, the charge will be no less than $1.50.  
For Credit Card Tips from the Consumer Financial 
Protection Bureau  (�CFPB�)   
To learn more about factors to consider when applying for or using a credit card, visit the 
website of the C FPB  at https://www.consumerfinance.gov/learnmore  
 
FEES  
Annual Fees   
No Annual Fee  for the first year, after that  $25 yearly.  
$10 Additional Card Issuance Fee Per Card (If applicable)  
Transactional Fees  
� Cash Advances  (including Balance 
Transfers ). 
 
� Foreign Transactions   
2% of the amount of each transaction (minimum $2.00 ; maximum  $10.00 ) 
 
 
1% of each transaction in U.S. dollars  
Penalty Fees  
� Late Payment Fee  
� Returned Check   Fee    
Up to $35.00  
$10.00