Member FDIC. Member of the Federal Reserve System. IRA accounts are available only for current residents of the Commonwealth of Puerto Rico. IRA accounts requested through popular.com^® must be paid through an electronic debit. Payments in cash, checks or money orders will only be accepted at Banco Popular branches. Offer only applies to new contributions up to $5,000, does not apply to internal transfers between Banco Popular IRA accounts or renewals. Minimum initial deposit $500. Penalty for withdrawals or cancellation before maturity date: 180 days interest. Processing charge: $5 per instrument on withdrawals, cancellations and returns for excess of contributions, and $25 per instrument for rollovers to an eligible institution. ¹ The rate applicable for your IRA Exenta Popular or IRA Regular for 3 years will be the highest interest interest rate offered by Banco Popular in these products from January 1, 2010 to April 15, 2010. Offer does not apply to internal transfers between Banco Popular IRA accounts or renewals. Certain restrictions apply. Banco Popular offers diverse investment alternatives. You should obtain detailed information to determine which is best suited to your needs.² Subject to the conditions of the PREMIA® program. Not available on USVI.³ 1.99% APR and $0 payments for 6 months offer is valid from the moment in which you open an IRA or ECA account. Offer applies for cash advances made with a Banco Popular credit card for $500 or more for the opening of 2009 and 2010 IRA and ECA accounts made between January 7, 2010 until April 30, 2010. Not valid with any other offers. After the 6 months period, the regular interest rate for purchases that the customer has in the account will apply. The cash advance amount will not be included in the calculation of the minimum payment until the account statement issue after the end of the 6 months period. Subject to credit line availability. The account must be current and up to date. Cash advances do not have grace period and the following charge applies: 2% of the amount; minimum $2, maximum $10. One cash advance per IRA or ECA. No PREMIA® points will be granted with the cash advance. Offer does not apply to corporate credit cards or US Virgin Island credit cards. Other restrictions apply.