RM

invests in bonds and stocks to maximize your long-term investment.

Features

• Uses a prestigious group of investment sub-advisors or Money Managers.

• Long-term moderate to aggressive investment strategy.

• Choose from Deductible or Non-Deductible (ROTH).

• Access to your account at www.orientalbank.com.

Examples of some DGI investments in stocks

Stability: Most of the fund is invested in

Growth: Up to 33% is invested in US stocks with growth potential.

Experience: Advised by a group of Money Managers who are experts in the portfolio management of investment funds.

Your best investment strategy:• Your investment is distributed among

behave differently.• No investment represents more than 5% of

the fund’s portfolio.

Characteristics• Minimum opening balance of $250. • You may contribute up to $5,000

individually or $10,000 per married couple if 2

• You can make monthly contributions through the DGI a Plazos program.

• Available only for residents of Puerto Rico.• When you are 60 years old, you can

withdraw your investment balance in whole or in part, without early withdrawal penalties.

Source: September 2016-11-01 Investment Report prepared by Gemini Fund Services, LLC.

Abbie Inc.American International Group, Inc.Apple Inc.Boeing Co.CVS Caremark CorpGeneral Electric Co.Home Depot, Inc.OFG Bancorp, Inc.TJX Cos.Visa, Inc.

DGI Assests as of 09.30.2016

See back side for important information.

1

US Mortgage Backed Securities 52.9%US Equities 36.7%Puerto Rico Fixed Income 1.6%Puerto Rico Equites 4.0%Cash and other 4.8%

787.620.0000orientalbank.com

Oriental Bank deposit or obligation, is not guaranteed by the Bank and is subject to investment risk, including the possible loss of the principal invested. It also

our branches or at Oriental Financial Services Corp. (authorized dealer), Member FINRA/SIPC, and read it carefully before investing. Minimum opening balance: $250. The fees for investment withdrawals (for reasons other than the participant attaining age 60, death, disability or unemployment) are: 5% of the investment

$54.99 rollover fee will be assessed for each rollover to an IRA in another institution. Subject to a 10% (15% in certain cases) early withdrawal tax penalty if the withdrawal does not comply with any of the conditions permitted by the Puerto Rico Treasury Department. The annual fee for administrative and other services is 1.80%. Such annual fee is calculated based on the DGI trust’s average total assets. You should consult with your tax advisor. (2) Maximum contribution allowed for 2015 tax year. (3) Net of costs and expenses applicable to the DGI. We also offer other types of IRAs. Ask for detailed information about each IRA to decide which is the best for you. For more information, visit any of our branches or go to: www.orientalbank.com. Products offered by Oriental Bank. Oriental Bank is a subsidiary of OFG Bancorp. ©2016 All Rights Reserved.

RM

Returns as of September 30

DGI 10-Year Performance (September 2006 - September 2016)

Year 13510

Annualized Total Returns

DGI Investment value.

1

6.74%2.18%5.26%2.73%

$5,0002

$6,5473

Sep-

06

-D

ec-0

6 -

Mar

-07

-Ju

n-07

-

Sep-

07

-D

ec-0

7 -

Mar

-08

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n-08

-

Sep-

08

-D

ec-0

8 -

Mar

-09

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n-09

-

Sep-

09

-D

ec-0

9 -

Mar

-10

-Ju

n-10

-

Sep-

10

-D

ec-1

0 -

Mar

-11

-Ju

n-11

-

Sep-

11

-D

ec-1

1 -

Mar

-12

-Ju

n-12

-

Sep-

12

-D

ec-1

2 -

Mar

-13

-Ju

n-13

-

Sep-

13

-D

ec-1

3 -

Mar

-14

-Ju

n-14

-

Sep-

14

-D

ec-1

4 -

Mar

-15

-Ju

n-15

-

Sep-

15

-D

ec-1

5 -

Mar

-16

-Ju

n-16

-

Sep-

16

-

Assumes a $5,000 contribution in 2006 that isnot withdrawn during the full 10-year period.Results as of September 30, 2016 are taken from the September 2016 Investment Report prepared by Gemini Fund Services, LLC.

THE PAST PERFORMANCE DATA SHOWN IS NOT A GUARANTEE OF FUTURE RESULTS. THE VALUE OF YOUR ORIGINAL INVESTMENT MAY INCREASE OR DECREASE. Returns shown are as of September 30, 2016, taken from the September 2016 Investment Report prepared by Gemini Fund Services, LLC. The returns shown were calculated in accordance with the average annual total return formula established in the OCIF’s regulation for IRA advertisements.