¹Annual Fee: $0. The APR is variable and may change. The APR applicable for purchases, balance transfers from other institutions and convenience checks is from 13.24% up to 26.24%. The APR applicable to cash advances will be from 24.24% up to 28.24%. The APR will be determined by adding the value of the United States Prime Rate as published by the Wall Street Journal plus a margin. The APR will vary and depend on your credit history and the Prime Rate applicable at the time your application is reviewed. Late payment charges up to $38. Returned check fee up to $10. Regular charge for cash advances, balance transfers and convenience checks: 2% of the amount: $2 minimum, $10 maximum. Grace period from 21 days for purchases. Balance is calculated based on the average daily balance (including new purchases).

²Subject to the terms and conditions of the PREMIA® program (the Program). For customers who have the PREMIA® Rewards, Indigo Dual, or Black Dual card, annual membership for the Program is free while you have that card. For more information about the accumulation, expiration, and use of points and about other terms and conditions, go to www.premia.com/terms-and-conditions/.

³Subject to credit approval. Offer applies to accounts opened through -. Does not apply to product change. Bonus of 5,000 PREMIA® points will appear on the account statement 4 to 6 weeks after making $1,000 in purchases in the first three months after opening the account. To receive the bonus, your account must be up to date and remain open. For more information about the accumulation, expiration, and use of points and about other terms and conditions, go to premia.com/meet-premia.

⁴Subject to the terms and conditions of the policies. For more information, call 787.758.0505 or 1.800.981.9505. Insurance coverage when you pay the transaction in full with the credit card.

⁵To be eligible for Chargegard, you must be between 18 and 69 years of age, be working at a full time job with salary throughout the last 90 days, at least 30 hours a week in an occupation that is not temporary. Chargegard Plus is issued and underwritten by Caribbean American Life Assurance Company and by Caribbean American Property Insurance Company, affiliates of Assurance Solutions. Obtaining this insurance is optional and may be cancelled at any time. Banco Popular will not base its credit decision on the purchase of an insurance product from any affiliate or upon your agreement not to obtain an insurance product from a non-affiliated entity. Insurance products are not a deposit or obligation of, nor are they guaranteed by the Bank or its affiliates and may lose value. They are not insured by the FDIC or any other federal agency, the Bank or its affiliates. Certain age limitation and other conditions and exclusions apply. For more information, please refer to the Insurance Certificate or call Caribbean American Life Assurance Company at 787.250.1199 or 1.866.394.2816.

⁶Subject to credit approval. Offer valid until - and only for new accounts. Introductory rate of 1.99% for purchases is valid for 6 months from the date the account was opened. After this offer expires, the regular rate for purchases will apply to the balance owed and to new purchases. Not valid with any other offers. Your account must be kept open and up to date until expiration of the offer or the offer will be voided.

⁷Subject to credit approval. Offer applies to accounts opened until -. Introductory rate of 0% APR and 0 payment for balance transfers is valid from the transfer date for 12 months for balance transfers made within the first 90 days of account opening. Upon expiration of the offer, the regular rate for balance transfers will apply to the balance owed and to new transfers. Not valid for transfers of other debts with Banco Popular. Subject to credit line availability. There is no grace period for balance transfers. Your account must be open and up to date until offer expires, or the offer will be void. Requires minimum monthly payment of purchase balance and other balances not included in this offer.