Summary of Terms for Oakstone Secured Credit Cards  as of 4/1/2022  
Oakstone Secured MasterCard� 
Gold Credit Card  
  
Oakstone Secured Rewards 
MasterCard� 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 10.74%* 
 
APR for Cash Advances  
Prime Rate plus Margin of 16.74%*   
 
  
Prime Rate plus Margin of 19.74%* 
 
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 $41.00    
 
Up to $30.00    
How We Will Calculate Your Balance: We use a method called �daily balance�.   *See the Cardholder Agreement for more details.  
OOKPT-080120-040122