Disclosures

Certain terms, conditions and restrictions apply. For business customers only.

(1) Account monthly maintenance fee of $5.00. If you maintain an average monthly balance of $500 or more, the $5 fee will not be charged.

(2) Applies to commercial customers operating with one (1) or more indistinct authorized signatures. That is, if more than one authorized signature is registered under the account, none is required to act jointly with any other authorized signature. Certain terms, conditions, restrictions, and fees apply.

(3) Online and Mobile Banking (Oriental Cash Management) The functions described in this section are only available to customers enrolled in Oriental Cash Management services, by contracting one of the available service packages and as detailed in the "Cash Management Services Agreement" included in the Commercial Deposit Account Agreement. Certain fees and restrictions apply. Charges from your Internet service provider may apply; for more information, consult your provider.

(4) Remote Check Deposit: Subject to meeting eligibility parameters. Remote Check Deposit Limit: 40 checks per day, 120 checks per month, $30,000 per check, daily deposit limit of $90,000, monthly deposit limit of $150,000. Any check must be in the name of the owner of the account into which it is deposited and properly endorsed. Subject to Oriental Bank's Funds Availability Policy.

(5) Average daily balance of $5,000 is required to avoid incurring a $5.00 monthly service fee. Includes six (6) debit transactions during the cycle at no extra charge and each excess debit transaction is $1.00. A minimum average daily balance of $5,000.00 is necessary to receive the annual percentage rate (APY) disclosed.

(6) Subject to credit approval. Equal Credit Lender. Certain terms, conditions, and restrictions apply. For business purposes only. Credit products are not insured or guaranteed by the FDIC.

For more information, you may request the disclosure of the accounts in our branches. Access this link for the Commercial Deposit Accounts Contract.

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.