Oriental Bank is Member FDIC  
 
 
 
 
Disclosure  
MasterCard Secured  
 
 
How We Will Calculate Your Balance:  We use a method called � Average Daily Balance (including new purchases  of 
goods and services )�.  
 
Loss of introductory APR:  We may end your introductory APR and apply the Penalty APR if you make a late  payment.   
 
1 Prime Rate : The abovementioned variable rates are accurate based on a 3.25% Prime Rate . We added a margin of 
11.45% to the Prime Rate in order to determine 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 Secured 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 195115, San Juan, P.R., 00919 -5115 or call us a t 1.800.981.5554.  
 
OTHER IMPORTANT TERMS  OF THIS ACCOUNT  
 
� You are applying for a secured credit card, a product designed to help establish or rebuild credit  
� For applicants who qualify, more favorable terms and pricing may be available through our unsecured products  
� A minimum refundable security deposit of $ 500 (maximum of $ 5,000 ) is required to open this account.  Your maximum 
credit limit will be determined, among other factors, by the amount of the security deposit you provide, your income , your 
ability to pay this the line of  credit and Oriental�s Credit Policy . INTEREST RATES AND INTEREST CHARGES  
Annual Percentage Rate (APR) for Purchases  1.99%  Introductory APR for the first 6 months from the date the card is issued .  After 
that, your APR will be 14.70%. 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  14.70%, 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 21 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 tr ansfers from the 
disbursement  date of these transactions . 
 
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  None 
$10 Additional Card Issuance Fee Per Card (If applicable)  
Transactional Fees  
� Cash Advances  & 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