¹ For individual persons only. You may ask for the account disclosures at our branches for more information before you invest. Subject to significant penalties for early withdrawals.

² Investors CD is subjected to the following bank penalties for early withdrawals: 30.994% from principal capital during the 1st year; 25.994% from principal capital during 2nd year; 20.994% from principal capital during 3rd year; 15.994% from principal capital during 4th year; and 10.994% from principal capital during 5th year. No interests earned when your principal capital is withdrawn before expiration date. Investors CD return will equal 150% of the percentage increase average, if any, at the S&P 500 during a 5-year period, as stated in account disclosures.

³ FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.

⁴ “Standard & Poor’s” and “S&P 500” are brands from The McGraw-Hill Companies, Inc. and Oriental Bank and Trust has been authorized to use them. Investor CD is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no statement on the convenience of investing on these products.

For more information, request a copy of the account disclosure at our branches. Other Certificates of Deposit are available. These products are offered by Oriental Bank and Trust, Member FDIC.