Disclosures

Only for residents of Puerto Rico. DGI is not insured by the FDIC, it is not a bank deposit or obligation, it is not guaranteed by the bank, and is subject to investment risk, including the possible loss of the principal invested. It also carries a greater risk because it uses borrowed money to leverage the asset base of the Diversified Growth IRA trust. Please ask for the DGI prospectus at any of our branches or at Oriental Financial Services Corp. (broker dealer), Member FINRA/SPIC; and read it carefully before investing any money. The fee for early investment withdrawal (for reasons other than the participant attaining age 60, death, disability, or termination of employment) is: 5% of the investment during the first year, 4% the second year, 3% the third year, 2% the fourth year, and 1% the fifth year. A $54.99 rollover fee will be assessed for each rollover to an IRA at another institution. Subject to a 10% early withdrawal penalty under some circumstances. The annual fee for administrative and other services is 1.55%, not including fees assessed by junior investment advisors or Money Managers. Such annual fee is calculated based on the DGI trust’s average total assets. Ask for detailed information about each IRA to decide which is the best for you. For more information, please visit any of our branches or go online to www.OrientalOnline.com. Products are offered by Oriental Financial Services, member of FINRA/SIPC. Oriental Financial Services is a subsidiary of Oriental Financial Group Inc. © 2011 Oriental Bank and Trust. All righst reserved. OCIF B-29.