Disclosures

The FDIC does not insure investment products; they are neither deposits nor obligations of Oriental Bank and Trust and are not guaranteed by Oriental. They are subjected to investment risks, including the possibility of losing the capital invested. This information is not an offer to sell nor a request for offers to purchase securities. The offer is only made through the Prospectus. Ask for a Prospectus and read it carefully before investing.

Variable annuities are offered by Oriental Financial Services, Corp. Member FINRA/SIPC. Fixed annuities are offered by Oriental Insurance, Inc. Oriental Insurance, Inc. and Oriental Financial Services, Corp. are subsidiaries of Oriental Financial Group, Inc. The FDIC does not insure investment products; they are neither deposits nor obligations of Oriental Bank and Trust and are not guaranteed by Oriental. They are subjected to investment risks, including the possibility of losing the capital invested. This information is neither an offer to sell nor a request for offers to purchase securities. The offer is only made through the Prospectus. Ask for a Prospectus and read it carefully before investing. Past results are not a guarantee of future return.

Past performance may not be indicative of future results.