Disclosure Statement for Oriental Master Card� 
      INTEREST RATES AND INTEREST CHARGES 
      Annual percentage rate (APR) for 
      Purchases           18.00% 
                          Those applicants, who at the time of application are identified as active members of the Armed Forces as 
                          established by the Military Lending Act (MLA) or a covered dependent, will be granted a 6.00% annual 
                          percentage rate (APR), for as long as he/she remains on active duty. Once the member of the armed forces 
                          ceases to be in active military service, the special rate granted will be changed to the current applicable annual 
                          percentage rate (APR). 
      APR for Cash Advances and Balance 
      Transfers           18.00% 
                          Those applicants, who at the time of application are identified as active members of the Armed Forces as 
                          established by the Military Lending Act (MLA) or a covered dependent, will be granted a 6.00% annual 
                          percentage rate (APR), for as long as he/she remains on active duty. Once the member of the armed forces 
                          ceases to be in active military service, the special rate granted will be changed to the current applicable annual 
                          percentage rate (APR). 
      Penalty Rate and When it Applies  Up to 30% APR.  The Penalty Rate for which you qualify will depend on your creditworthiness, the seriousness 
                          and timing of your default, and other factors provided in your Oriental Cardholder Agreement. 
                          This APR may be applied to your account if you: 
                          ?  Fraudulently or materially misrepresent facts to us. 
                          ?  Make a late payment 
                          ?  Make a payment to us that is not honored by your financial institution. 
                          ?  Go over your credit limit 
                          ?  Fail to comply with the terms of your Oriental Cardholder Agreement. 
                          ?  Become unwillingly or unable to pay your debts to us or to others on time. 
                          ?  File for bankruptcy 
                          ?  Become incapacitated or in the event or your death. 
                          ?  A judgment is rendered against you 
                          ?  Breach of terms of workout or temporary hardship arrangement. 
                          How Long Will the Penalty APR apply? If your APRs are increased for any of these reasons, the Penalty APR 
                          will apply until you make six consecutives minimum payments when due. 
                          This Penalty APR will not apply as long as the cardholder is covered by the provision of the Military Lending Act (MLA). 
      Paying Interest     Your due date is at least 24 days after the close of each billing cycle.  We will not charge you interest on 
                          purchases if you pay your entire balance by the due date every month.  We will begin charging interest on 
                          Balance Transfers, Cash Advances and Oriental credit card checks on the date of the transaction 
      For Credit Card Tips from Consumer  To learn more about factors to consider when applying for or using a credit card visit the website of the 
      Financial Protection Bureau  Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 
      FEES 
      Set-up and Maintenance Fees  Notice:  Some of these set-up and maintenance fees will be assessed before you begin using your card and will 
                          reduce the amount of credit you initially have available.  For example, if you are assigned the minimum credit 
                          limit of $250, your initial available credit will be only $228 (or $217 if you choose to have an additional card). 
                          You may still reject this plan, provided that you have not used the Account or paid a fee after receiving a billing 
                          statement.  If you do reject the plan, you are not responsible for any fees or charges. 
      Annual Fees         $22 for primary card. 
      Additional Card Fee  $11 annually (if applicable) 
      Customers covered by the Military  $0 
      Lending Act (MLA) 
      Transaction fees     
      ?  Balance Transfer Fee  3% of the total balance transfer 
      ?  Cash Advance Fee  3% of the total cash advance 
      ?  Foreign Transaction Fee  2% of the total foreign transaction 
      Penalty Fees         
      ?  Late Payment Fees  Up to $35 
      ?  Returned Credit Card Check Fee  Up to $35 
      ?  NSF (Non-Sufficient Fund) Fee  Up to $35 
      
     How We Will Calculate Your Balance:  We use average daily balance (including new transactions).  See your Oriental Cardholder Agreement for more 
     details. 
     Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights provided in you Oriental Cardholder Agreement 
      
     Other Fees 
     ?  Retrieval of items/Request Copy of a Sales Draft   $5 
     ?  Replacement / Additional Statement    $5 
     ?  Lost or damaged card             $15 
      
     Member FDIC 
     Effective December 2019 
     � Master Card is a registered trademark of Master Card International Incorporated