Mandatory Disclosures

(1) A tiered bonus of $200 to $400 applies to individuals who open a Libre Account during the period from February 27, 2026 through December 31, 2026, and who do not maintain individual deposit accounts with Oriental Bank either in the month of account opening or in the month prior to account opening. To qualify for the bonus, the customer must set up and receive direct deposits totaling $1,500.00 or more per cycle for three (3) consecutive cycles in the Libre Account, after the account opening and within the established period. The customer has up to six (6) cycles from the account opening date to meet the requirement of three (3) consecutive direct deposit cycles. The account must remain open at the time the bonus is credited. The bonus will be credited in the next cycle after meeting the requirements and will be determined using the average of the total qualifying direct deposits received during the three (3) consecutive cycles within the established period, based on the following direct deposit tiers: $1,500.00–$2,499.99, a $200 bonus applies; $2,500.00–$4,999.99, a $300 bonus applies; $5,000.00 or more, a $400 bonus applies. Limit of one bonus per customer, who must be the primary account holder. The bonus is not valid with other promotions or offers and may not be combined, accumulated, or used together with any other bonus or offer.

(2) Applies only to direct deposits transmitted through the ACH network. Subject to the originator initiating the transaction two business days prior to the established payment date. Maximum of $10,000.00 per transaction.

(3) $0 maintenance fee per cycle. Other fees may apply, such as branch ATM usage, checks written, and paper statements.

(4) Reimbursement of up to $66 annually includes the following:

(a) Reimbursement of $0.05 for each purchase or payment made with the Mastercard® debit card, up to a maximum of 20 transactions per cycle; and

(b) Reimbursement of up to three (3) ATM withdrawal surcharges per cycle, with a maximum of $1.50 per withdrawal ($4.50 total), beginning with the second periodic statement cycle following account opening, in cycles in which the account maintains an average daily balance of $1,000 or more. For more details, visit orientalbank.com.

(5) If you are a Libre Account customer, you may access Oriental Marketplace through the Service Portal. Oriental Marketplace is a discount platform offered by Entertainment Benefits Group LLC, doing business as Working Advantage, to provide additional benefits to Oriental Bank customers. Oriental Bank is not responsible for the content, operation, offers, or transactions conducted on this platform. Any claims or disputes related to offers or transactions must be directed directly to the provider.

(6) By voluntarily enrolling in automatic payments from your account, you may obtain the following discounts on the Annual Percentage Rate (APR) of personal loans and auto loans originated with Oriental: Personal Loan: 0.75% or Auto Loan: 0.25%. The applicable APR discount will never be lower than the minimum APR established by the Bank for that product.

(7) Double the Annual Percentage Yield (APY) applies to balances between $500 and $24,999.99. An additional +0.10% APY benefit will be activated on your Ahorra Account and reflected in the next cycle after meeting the requirement of three (3) consecutive direct deposit cycles totaling one thousand five hundred dollars ($1,500) or more per cycle into your Libre Account. This APY increase will be integrated as part of the regular interest payment calculated and credited to the balance of your Ahorra Account. If you do not have an Ahorra Account, you must open one to enjoy this benefit.

(8) Direct deposits must total $1,500 or more per cycle for three (3) consecutive cycles in the Libre Account.

(9) The information presented in this comparison table is based exclusively on public disclosures in accordance with the Truth in Savings Act (TISA) obtained from the official websites of the respective banks operating in Puerto Rico, reviewed on or before February 2026.

(10) Requires that both the account holder receiving the transfer and the account holder sending the transfer be registered with the service. To register, you must have an active deposit account with a participating financial institution in the ATH Móvil service. Only individuals 18 years of age or older may use the service.

Mastercard® is a registered trademark of Mastercard International Region LAC and is used by the issuer under license.

Oriental Bank, Member FDIC.

To help the government fight terrorism financing and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This means that when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver’s license or other identifying documents. In addition, beginning in May 2018, EACH time an account is opened for a covered legal entity, we must request identifying information (name, address, date of birth, Social Security number, ownership percentage, and identification documents) for each individual who has beneficial ownership (25% or more) and for one individual who has significant managerial control of the legal entity. If you are opening an account on behalf of a legal entity, you will be required to provide the appropriate documentation (Certification of Beneficial Owners) and certify that this information is true and accurate to the best of your knowledge.