Summary of Terms for Oakstone Secured Credit Cards  as of 11/15/2021  
Oakstone Secured MasterCard� 
Gold Credit Card  
  
Oakstone Secured MasterCard� 
Platinum Credit Card 
 
Interest Rates and 
Interest Charges  
These APRs will vary with the market based on the Prime Rate 
 
Annual Percentage 
Rate(APR) for Purchases  
Prime Rate plus Margin of 10.74%*   
  
Prime Rate plus Margin of 6.74%* 
 
APR for Cash Advances  
Prime Rate plus Margin of 16.74%*   
 
  
Prime Rate plus Margin of 15.74%* 
 
Paying Interest  
Your payment due date is at least 25 days after the close of each billing cycle. W e will not charge you interest on purchases if you pay your entire balance by the due date each 
month. W e will begin charging interest on cash advances on the date of the cash advance. 
 
Minimum Interest Charge  
If you are charged interest, the charge will be no less than $1.50  
 
Fees 
 
Annual Fee  
$39  
   
$49 
 
Transaction Fees 
     Cash Advance 
     Foreign Transactions  
 
 
Either $10.00 or 3% of the amount of each Cash Advance, whichever is greater 
 
3% of the transaction amount 
 
Penalty Fees  
     Late Payment 
Returned Payment   
 
 
Up to $40 ($41 after Jan 1, 2022)    
 
Up to $29 ($30 after Jan 1, 2022)   
How We Will Calculate Your Balance: We use a method called �daily balance�.   *See the Cardholder Agreement for more details.  
OOKPT-080120-111522