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. ¹Special rate for purchases is valid for 6 months from the date the account was opened. After this, the regular rate will apply to the balance and new purchases. 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 the balance and new transfers. Not valid for transfers of other debt with Banco Popular. Subject to credit line availability. Balance transfer and convenience checks are considered cash advances. There is no grace period. Additional information: Annual fee: 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% for Visa Novel, American Express Ultra, MasterCard Edge, INDIGO, Affinity Cards, American Express The Black Card and Visa Signature; 9.99% for Visa Return; and 13.99% for ICON. 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% for Visa Novel, American Express Ultra, MasterCard Edge, INDIGO, Affinity Cards and ICON; 14.99% for American Express The Black Card and Visa Signature; 20.99% for Visa Return. Annual Fee: INDIGO $50, Additional Card $25; American Express The Black Card $150, Additional Card $75; Visa Signature $125, Additional Card $50. Late payment charges: $15 for balances of up to $100; $29 for balances greater than $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 Subject to PREMIA® program conditions. Not available in the Virgin Islands. The Visa NOVEL Mystique credit card would accumulate 1.5 points for every $1 spend in the PREMIA® program during the first six months from the date the account was opened in the following merchants in Puerto Rico: Marshalls, Macy’s, Borders, Bed Bath and Beyond, Novus, Chili’s and Romano’s Macaroni Grill. ⁴ The cash accumulation does not apply to balance transfers, convenience checks neither to cash advances. Other conditions apply.