¹ Offer valid until December 31, 2009. No annual fee for one year from the date the account is opened, after this date the regular annual fee of $50 will apply. The annual fee will be reflected in your first account statement, and this amount will be credited in your next statement. ² Offer valid for balance transfers made on or before December 31, 2009. Not valid with any other offers. Offer applies to existing BPPR accounts and new accounts. New accounts subject to credit approval. Your credit approval does not guarantee that you are eligible for the Bota y Cambia offer. Your account must be kept open and up to date. In case your payment is received past its due date the offer will be void. Not valid for transfers of other debts with Banco Popular. Special balance transfer rate valid for twelve months from the date the balance transfer is posted to your account. You must visit a branch in order to cancel the credit card from where you are transferring your balances. Other restrictions may apply. Once the offer expires, your balance transfer regular rate will apply to the balance and new transfers. Subject to your credit line availability. Balance transfer are considered cash advances, and there is no grace period. ³ After the offer expires, the regular fee will apply to new transfers. 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. The APR for purchases, balance transfers from other institutions and convenience checks from a minimum of 8.99%. The APR will vary and depend 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%. Late payment charges: $15 for balances up to $100; $29 for balances more than $100 and up to $250; $39 for balances more than $250. Returned Check Fee: $10. Regular charge for cash advances, balance transfers and convenience checks: 2% of the amount: $2 minimum, $10 maximum. Grace period from 20 days for purchases. Balance is calculated based on the average daily balance (including new purchases). ⁴ Valid only for Visa and MasterCard credit cards issued by Banco Popular.