A guide to the features and benefits of your new Online Banking and Mobile Banking.

New Features for You!We want you to invest your time wisely. Therefore, we are introducing you to your new Online Banking and Mobile Banking features and functionalities, which will make your life easier and save you time.

Online BankingOriental’s Online Banking offers you an easy and convenient way to manage your accounts from wherever you are, whenever you want. Sign up today and enjoy the new services we have for you:

Balances and transactions 24/7 – Check the balances of your accounts, mortgages and personal loans. Also, it allows you to monitor the activities performed on your accounts at any time.

Electronic account statements (e-statement) – Sign Up for e-statement on your online banking and you will be able to see up to 72 months of history of your statements on deposit accounts and up to 13 months of history of statements on credit cards.

Premium alerts – Schedule your alerts to monitor your transactions, debits, or credits. Alerts may be sent to an email address or mobile phone (via text message1). These are an excellent mechanism to keep you informed of your account activity and prevent fraud.

Categorization of transactions – Categorize your transactions within the platform using the available options. This feature allows you to monitor your transactions and evaluate your expenses more effectively.

Opening an account online – If you have a deposit account, you can open a new checking or savings account, or even an Online Certificate of Deposit without visiting the bank.

Handling of credit cards – Check your credit card balance and transaction activity and make payments securely.

Username and password re-establishment – Reset your username and password online without the need to call customer service to complete it.

Secure and advanced authentication – The platform will recognize when you use a computer or an unknown network to access your account and will require you to complete a short and simple additional authentication process. Once you're recognized, you don't have to complete the authentication process again.

Make Online Payments2

You will have the following features available to offer you more value and a better experience when making an online payment.

Online bill payment (Bill Pay) – Make payments to businesses or utility services (Internet, water, cable service, among others). At the same time, you can schedule payments, receive reminders of payments to be made or make recurring payments. This functionality is also available through Oriental Mobile Banking.

My Payments - Pay off your loans and credit cards anytime, anywhere with your checking, savings, or debit and credit card, regardless of the financial institution.

Send MoneySend money to other people (People Pay3) – Send money to anyone you want at any bank in the USVI, United States, or Puerto Rico from your computer or mobile phone. Free of charge! You choose how to make the payment:

• To another bank account within Oriental's network or outside of the network

• To a PayPal account

• To a phone number or email

External transfers to and from other institutions4 – Send money to other financial institutions in the U.S. Virgin Islands, the United States, or Puerto Rico.

Internal transfers - Make transfers between your Oriental accounts or schedule periodic transfers.

Mobile BankingDownload the new Oriental Bank app to take advantage of all its benefits.

iPhone users will be able to download the app from the Apple5 store, and Android users will be able to do the same from the Google Play store™ 6. Before you start using Mobile Banking, remember to register first in Online Banking.

Scan the QR code with your cellphone to download the Oriental app today.

The Oriental app will allow you to locate branches and ATMs. Likewise, you will be able to use the People Pay and Bill Pay services mentioned above.

In addition, you will be able to access your balances and transactions quickly with:

• Passcode – From your Apple or Android device, you can access it with a 4-digit code, which you can configure yourself.

• Touch ID – From any iPhone 5s device onwards, you can access it with just your fingerprint.

Also, the Oriental app will allow you to deposit checks with your phone, through:

• Remote Check Deposit7 – Deposit your checks quickly and securely with your phone's camera. This service will allow you to view the images of the checks, check the balance information, and approve the deposit transactions through the application. Take a photo of your check on both sides, enter the deposit amount, and select the account. It's that easy!

Do you have any questions?Our customer service representatives are available and more than ready to answer your questions related to Online and Mobile Banking.

Call us at 1.866.972.6842 or 340.714.5703.

1. Standard text message charges may apply according to the cellular service provider. 2. Bill Pay and My Payment services are free of charge for Oriental’s retail clients. Bill Pay service has a limit of $5,000 per transaction and $15,000 per monthly. The service of My Payments has no limits in limited quantity. You can make the payment of the principal balance of the loan, the monthly payment, the delay or other amount. For credit card payments the amount must not be greater than the balance due. 3. People Pay services has a limit of payment sent to accounts of $2,000 per transaction and $4,000 per day. Payments sent to PayPal has a limit of $250 per transaction and $500 per day. 4. External transfers will have a service charge of $5.00 per transaction. 5. Apple and the Apple logo are registered trademarks of Apple Inc. 6. Android and Google Play are registered trademarks of Google Inc. 7. Limit for deposits for individuals: $6,000 per check; $12,000 a day. Any check must be payable to the holder of the account in which it is requested to be deposited and endorsed. Subject to Oriental Bank's Fund Availability Policy. Products offered by OFG Bancorp, FDIC Member. Oriental Bank is a subsidiary of OFG Bancorp.

Rev. 6/20

1.866.972.6842 340.714.5703

orientalbank.com/usvi