You are currently in the confidential and secure reporting structure of EthicsPoint. Below are the choices available to you. Please click on the arrow () to select the type of report you would like to make.

Puerto Rico (Popular)
	Accounting, Auditing or Financial Reporting	Fraud or deliberate error in the preparation, evaluation, or audit of any financial records of Popular, Inc. or its subsidiaries (“Popular” or the “Company”). Deficiencies in, or non-compliance with, Popular’s internal accounting controls. Misrepresentations or false statements regarding matters contained in the financial records, financial reports, or audit reports of Popular. Misappropriation involving theft of Company assets that may cause financial statements not to be presented, in all material respects, in accordance with generally accepted accounting principles. Deviation from full, fair and accurate reporting of Popular’s financial condition.
	Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) Laws	Transactions (completed or not) or behaviors that are inconsistent with the type of business, occupation or profession of the customer. Transactions up to $10,000 conducted in one or more business days in which transaction structuring to avoid the origination of a Currency Transaction Report (Form 112) is suspected. Instructions that are in conflict with BSA/AML requirements. The definition of a Suspicious Activity depends on the type of business, occupation or profession of the customer or account owner, and the volume or frequency of the transactions that are made. It is not limited to commercial transactions.
	Conflicts of Interest	Arise when an individual’s personal interests interfere or appear to interfere with the interests of Popular. In particular, employees may not use or attempt to use their position at Popular to obtain improper personal benefits for themselves, their relatives or others. Examples include, among others: certain affiliations, second employments or businesses that interfere with the interests of Popular, business with customers or suppliers, unauthorized participation or influence in any business deal or transaction that involves family members or friends, the use of professional licenses for purposes unrelated to the employee’s duties at Popular and/or that may be in conflict with the employee’s duties or with Popular’s interests, inappropriate use of confidential information, or acceptance of favors, benefits and/or certain goods or gifts from customers, potential customers or suppliers.
	Discrimination or Harassment	Occurs when a physical, verbal, written or graphic conduct denigrates or shows prejudice or hostility against individuals because of their age, sex, sexual orientation, gender identity, pregnancy, race, color, religion, political beliefs or affiliation, national origin, social condition, marital status, disability, status as an eligible veteran or as a victim of domestic violence or stalking, genetic information about the individual and/or family members, or any other characteristic protected by law. Examples include, among others: sexual harassment, work harassment or other types of harassment, or unlawful discriminatory or biased treatment in recruiting, training, evaluations, promotions, transfers and terminations.
	Inappropriate Use of Electronic Systems	Occurs when the electronic systems are used to violate or encourage others to violate any law, regulation, Employee Handbook, Code of Ethics or any other policy, guideline or standard of Popular. It is also inappropriate to use or encourage others to use the systems to create, transmit, search or store information that is defamatory, discriminatory, offensive, abusive, harassing, threatening, obscene or of a sexual nature, as well as to use the electronic systems to access or attempt to access customer accounts or other corporate systems without a legitimate business purpose or authorization. Examples include, among others: display, transmittal or storage of a discriminatory, sexual or obscene message or image, offensive jokes and chain letters, as well as to access or attempt to access customer accounts or other systems without authorization or for personal reasons.
	Other Employment-Related Matters	If you experience any employment-related situation that is not described in the foregoing options, please use this category. For instance, you may use this option if you experience uncomfortable situations in the workplace that interfere with your performance or affect regular business operations and which do not necessarily amount to discrimination, harassment or retaliation. Examples include, among others: improper expressions, disrespectful behavior, intimidating or violent conduct, or frequent and unfounded remarks, among others.
	Retaliation	Occurs when an employee is penalized for participating in activities protected by law, such as taking certain leaves of absence, filing or witnessing the filing of a complaint before an internal or external dispute resolution forum, or testifying or attempting to testify in an administrative or judicial investigation, complaint, hearing or proceeding against Popular. Examples include, among others: intolerable working conditions, or unfair disciplinary actions or performance evaluations due to the employee’s participation in a protected activity.
	Unfair, Deceptive or Abusive Acts or Practices against Consumers (including Sales Practices)	Acts or practices (including sales practices) that could be considered: Unfair: conduct that causes or is likely to cause substantial injury to a consumer. Deceptive: representations, omissions, acts or practices that mislead or are likely to mislead a consumer. Abusive: behavior that materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service; takes unreasonable advantage of a consumer’s: lack of understanding of the material risks, costs, terms, or conditions of the product or service; inability to protect his or her interests in selecting or using a consumer financial product or service; or reasonable belief that an employee, contractor or supplier acting on behalf of Popular acts in his or her best interest. Examples include, among others: (a) the opening of unauthorized or sham accounts, subscription to services without the consumer’s consent, or the transfer of funds between customer accounts without their consent; (b) the manipulation or falsification of applications or any other documents or records; (c) incentive gaming, which involves the manipulation of pay-for-performance plans in ways that increase employees’ compensation without benefiting the consumer; or (d) the distortion of performance results for employees’ benefits.
	Unsafe Working Conditions	Arise when employees fail to comply with or do not make sure that safety and health laws, regulations and rules are observed in the workplace. Also arise when employees contribute through their actions or omissions to create a violent or dangerous situation or one that threatens workplace safety and health. Examples include, among others: violations of workplace safety and health laws, regulations, rules and protocols, violation of the Company’s health and safety related guidelines, procedures or protocols, smoking in unauthorized areas, failure to comply with the rules for driving and parking vehicles, or allowing persons not employed or not authorized by the Company to remain in the work areas.
	Procurement and Purchasing Practices	Any violation to the Code of Ethics for Popular Suppliers, or applicable corporate policy, laws or regulations governing procurement or purchasing practices.
	Other Matters, Policies, Laws and Regulations	You may use this category to report events, acts, or situations that you believe are not encompassed in the foregoing categories, including behavior or practices that may constitute a violation of applicable laws, regulations, policies or  procedures. This includes, but is not limited to, matters pertaining to fair lending, insider trading, and anti-corruption.