1. Important

PLEASE READ THESE TERMS AND CONDITIONS OF USE (THESE “TERMS OF USE”) CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS OF USE HEREIN. IF YOU DO NOT AGREE TO THE TERMS OF USE HEREIN, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

2.Terms of Use

This is an agreement between you and Connex (or any one or more of its subsidiaries or affiliates, including Popular, Inc., as the case may be) (collectively, “Popular,” “we,” “us” or “our”). The terms and conditions of use (the “Terms of Use”) contained in this document shall govern your use of any website or webpage operated by Popular (collectively, the “Site”). The Site is the property of Popular and its licensors.

These Terms of Use apply to the websites located at www.Popular.com, www.BPPR.com, www.BancoPopular.com, www.PopularBank.com and any other website, webpage or all sites owned, operated and/or linked thereto by Popular.

POPULAR OFFERS THE SITE TO YOU CONDITIONED ON YOUR ACCEPTANCE WITHOUT MODIFICATION OF THESE TERMS OF USE. YOUR USE OF THE SITE CONSTITUTES YOUR ACCEPTANCE OF THESE TERMS OF USE. THESE TERMS OF USE CONTAIN DISCLAIMERS OF WARRANTIES AND LIABILITY (see Sections 8 and 9) AND A DISPUTE RESOLUTION CLAUSE (see Section 15). THESE PROVISIONS FORM AN ESSENTIAL BASIS OF OUR BARGAIN.

3. Additional Terms

Information or Content on the Site is not intended to be tax or legal advice. Information or Content cannot be used by any taxpayer for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Popular does not provide legal or tax advice. You should review your particular circumstances with your independent legal and tax advisors, professionals and/or consultants. These Terms of Use shall be construed in accordance with the laws of the State of New York, and any arbitration or judicial proceedings to enforce or interpret the terms hereof may be brought only in the State of New York.

4. Content

All text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork and computer code (collectively, “Content”), including but not limited to the design, structure, selection, coordination, expression, “look and feel” and arrangement of such Content, contained on the Site is owned, controlled or licensed by or to Popular and is protected by applicable trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws. Certain other words and symbols used to identify the source of third party goods and services are trademarks of their respective owners. The display of any such trademarks or trade dress on the Site does not imply that a license of any kind has been granted.

5. Your Use of the Site

You agree that in accessing or using the Site you will not engage in any activities that violate or are contrary to any applicable laws, regulations, or rules in addition to any terms and conditions you may have agreed to with Popular. You expressly agree not to misuse this Site or any Content. You may not use any “deep-link,” “page-scrape,” “robot,” “spider” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Site or any Content, or in any way to reproduce or circumvent the navigational structure or presentation of the Site or any Content, or to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Site. Popular reserves the right to bar any such activity. You may not attempt to gain unauthorized access to any portion or feature of the Site, or any other systems or networks connected to the Site or to any Popular server, or to any of the services offered on or through the Site, by hacking, password “mining” or any other illegitimate means.

6. Accounts, Passwords and Security

Certain features or services offered on or through the Site may require you to open an account (including setting up a username and password to access an account online). You are entirely responsible for maintaining the confidentiality of your applicable account information, including your password, and for any and all activity that occurs under your account. You further agree to establish commercially reasonable security procedures and controls to protect any of your confidential information. You agree to notify Popular immediately of any unauthorized use of your applicable account or password, or any other breach of security, including suspected or actual account “phishing” incidents.

7. Privacy

Connex’s applicable Privacy Policy(ies) and applicable online security and online privacy practices applies to use of the Site, and its terms are made a part of these Terms of Use, as the case may be. To view Connex’s Privacy Policy, click here. Additionally, by using the Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to the Site may be read or intercepted by others, even if there is a special notice that a particular transmission (for example, account information) is encrypted.