Subject to credit approval. Offer valid until December 31st , 2009 and only for new accounts. Not valid with any other offers. Your account must be kept open and up to date. In case your payment is received past its due date the offers will be void. ¹ Special rate for purchases is valid 6 months from the date the account was opened. After this, the regular rate for balance transfers and purchases will apply. ² Special rate on balance transfer is valid for six months from the date the account was opened. After this offer expires, the regular rate will apply to balance and new transfers. Not valid for transfers of other debt with Banco Popular. Subject ton credit line availability. Balance transfers and convenience checks are considered cash advances. There is no grace period. Additional information: The APR is variable and may change. The APR will be determined by adding the value of the United States Prime Rate as published in The Wall Street Journal plus a margin. APR for purchases, balance transfers from other institutions and convenience checks from a minimum of 8.99%. Your APR is based on your credit score and the Prime Rate applicable at the time your application is evaluated. The minimum APR applicable to cash advances will be 19.99%. Annual fee: $50, Additional Card $25. late payment charges: $15 for balances up to $100; $29 for balances greater that $100 up to $250; $39 for balances greater than $250. Returned check fee: $10. Cash advances, balance transfers and convenience checks fee 2% of the amount : $2 minimum, $10 maximum. Grace period for purchases from a minimum of 20 days. Balance is calculated based on average daily balance (including new purchases). ³ 25% more in PREMIA points from February 1, 2009 until December 31,2009. ⁴Subject to PREMIA® program conditions. Not available in the Virgin Islands. ⁵ Subject to the terms and conditions of the policies. For more information call (787) 758-0505 or 1-800-981-9505. ⁶The insurance products are not a deposit or other obligation of, or guaranteed by, the Bank or an affiliate of the Bank; are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United Sates, the Bank or an affiliate of the Bank and may lose value. The Bank will not condition the credit decision regarding this application on either, your purchase of an insurance product form the Bank or any affiliate; or your agreement not to obtain an insurance product from an unaffiliated entity. Chargegard Plus is subscribed by Caribbean American Life Assurance Company and by Caribbean American Insurance Company, both subsidiaries of Assurance Solutions. Chargegard Plus is optional and can be cancelled at any time. Some limitations, exclusions and conditions apply. For more information refer to the Certificate of Insurance. ⁷ Does not apply to Popular Finance nor Popular Insurance.