Mandatory Disclosures

(1) No fees will be charged during the first three cycles. After that, a minimum average daily balance of $500.00 is required to avoid a $7.00 monthly service fee and to receive the Annual Percentage Yield (APY) detailed in account disclosure. Fees may reduce the account balance. ATH Móvil and People Pay services are not available for ABC or Ahorro Club accounts.

(2) Requires that both the owner of the account and the person who will receive the transfer be registered in the service. You must have an active debit card with a participating financial institution with the ATH Móvil Service to register. Only individuals who are 18 years of age or older may use the service. Other restrictions apply. Please access athmovil.com to register and view the terms of conditions or the participating institution’s list. ATH Móvil is a service of the ATH® Network from EVERTEC Group, LLC.

ATH Móvil and People Pay transfers may impact the transaction limits established for savings accounts, which will incur in a fee for each transaction in excess of the disclosed limit.

(3) To see People Pay Terms & Conditions, click here.

(4) This account considers balances from deposit accounts at Oriental Bank and investments in Oriental Financial Services, LLC (OFS) to earn a higher interest rate, annual percentage yield (APY), and benefits.

(5) The annual percentage yield (APY) used to calculate interest payments of up to 2% in the savings section of your account will be determined based on combined balances of $5,000 or more per cycle, as disclosed when opening the account. Subject to a minimum balance of $0.01 in this section to accrue interest.

(6) Cashback applies to customers with combined balances of $10,000.00 or more across both open sections of the Elite Account (checking and savings). Qualifying for the cashback percentage is subject to applicable monthly and annual limits and includes mortgage, personal, auto, solar panel, and line of credit payments with Oriental made via direct debit or auto-payment from the checking section of the Elite Account.

(7) Reimbursement of other service charges for customers with combined balances of $25,000.00 or more with both sections of the Account (checking and savings) open, such as: stop payment of check or cancellation of electronic debit, check cashed investigation, transfers to external accounts (online), debit card replacement, urgent debit card request, image of paid checks, deposit or withdrawal receipts, copy of statement or transaction history, insufficient or unavailable funds fee, daily overdraft fee, received or sent wire transfers, official active account certification, detailed account certification, CD with information, production of other documents, annual safe deposit box rental, withdrawal and balance verification fees at non-Oriental ATMs.

(8) No registration required. After opening the account, this service will be available for all levels (1 to 7) during the first year. After the first year, it is available to customers maintaining $100,000 or more (level 5) in combined balances of deposit and investment accounts with Oriental. If you qualify to receive it, you can use it by calling 787-620-1234. For more information, visit https://orientalbank.com/en/personal/concierge.

(9) The digital financial planning tool allows you to monitor, plan, and manage your finances in one place for informed financial decisions. A Financial Advisor assists with managing investments, including buying and selling stocks, bonds, and mutual funds, as well as building and implementing investment portfolios. A Financial Planner helps individuals create strategies to achieve long-term financial goals. It assists in outlining a budget, savings plan, retirement planning, and other financial objectives. For more information on these services and to coordinate this benefit, call the Concierge line at 787-620-1234. The availability of these services is subject to the combined account balance level and will be offered by Oriental Financial Services. The FDIC does not insure products and services offered by Oriental Financial Services, LLC. These are not deposits or obligations of Oriental Bank, are not guaranteed by it, and are subject to investment risk, including possible loss of principal. Oriental Financial Services, LLC, and Oriental Bank are subsidiaries of OFG Bancorp. Investment accounts considered for combined balance benefits for the Elite Account include the DGI Investment IRA and investment accounts at Pershing (OFS Brokerage Accounts).

(10) Account exclusively for children up to 18 years of age. A minimum average daily balance of $5.00 is required to avoid incurring a $1.00 monthly service charge and to receive the Annual Percentage Yield (APY) detailed in account disclosure. Fees may reduce the account balance. Written authorization by the child’s parent or legal guardian is required to open the account and the adult must be the accountholder. The accountholder must present both child’s birth certificate and Social Security number when opening the account. Certain terms, conditions, and restrictions apply. Oriental Bank does not direct the content of its website to children under 13 years old nor does it collect any personal information from minors.

(11) You must maintain an average daily balance of $5.00 to receive the annual percentage rate (APY) disclosed you open the account. Requires automatic deposit scheduling. Partial withdrawals and closing of account before the term chosen is fulfilled, will have a charge of $5.00 each. If a special cash bonus is received as part of the account opening, it must remain in the account for a period of one hundred seventy (170) days from the deposit date of the cash bonus and will only be available for disbursement after such period has elapsed. Bonus only applies to new accounts (customer may not have an active savings account or have had or have another savings account with an average daily balance of $0.00 for sixty (60) days prior to the opening date of the account). Account opening bonus will be awarded only one (1) time. Other charges may apply under the contract and disclosure of the account. Fees may reduce the account balance. Ahorra, ABC and Ahorro Club, are savings accounts for individuals only (for personal, family or home) not for commercial purposes.

(12) This benefit applies when the primary Elite Account holder is the parent, relative, or legal guardian of a minor in an ABC account. The Annual Percentage Yield (APY) of the Elite Account, based on the combined balance level of $5,000 or more of the Account holder, will be applied to the balance of the ABC account.

(13) Double the annual percentage yield (APY) applies to balances from $500 up to $24,999.99. An additional +0.10% APY benefit will be activated in 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 incorporated 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.

(14) The tiered bonus of $200 to $400 applies to individuals who open a Libre or Elite Account during the period from April 16, 2026 through December 31, 2026, and who do not maintain individual deposit accounts with Oriental Bank either in the month the account is opened or in the month prior to opening the account. To qualify for the bonus, direct deposits corresponding to payroll payments, Social Security or pension/retirement benefits of $1,500.00 or more per cycle must be scheduled and received for three (3) consecutive cycles into the Libre or Elite Account after the account is opened and within the established promotional period. The customer has up to six (6) cycles from the account opening date to complete the three (3) consecutive qualifying direct deposit cycles. The account must be open at the time the bonus is credited. The bonus will be credited in the next cycle after the requirements are met and will be determined based on the average total of qualifying direct deposits received during the three (3) consecutive cycles within the promotional period, according to the following direct deposit tiers: $1,500.00-$2,499.99 qualifies for a $200 bonus; $2,500.00-$4,999.99 qualifies for a $300 bonus; $5,000.00 or more qualifies for a $400 bonus. 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 in conjunction with any other bonus or offer.

To collaborate with the government in the fight against the financing of terrorism and money laundering activities, the federal law requires that every financial institution obtain, verify and record information that allows identifying any person who opens an account. For you this means that when you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We will also request that you show us your driver’s license or other identification documents. In addition, Effective May 2018, EACH time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number, % Ownership as well as identification documents) for each individual that has beneficial ownership (25% or more) and one individual that 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 Owner) and to certify that this information is true and accurate to the best of your knowledge.

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