-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, IeVENBsA3X9vAf5WeGUDI8DcmyNRTWTx72zJjTT/0GLhdSHn6uKdnV+kI0H6BxiB dqW/gXDlO+ANjNx0BK740Q== 0000950144-95-003655.txt : 19960102 0000950144-95-003655.hdr.sgml : 19960102 ACCESSION NUMBER: 0000950144-95-003655 CONFORMED SUBMISSION TYPE: 424B2 PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 19951229 SROS: NASD FILER: COMPANY DATA: COMPANY CONFORMED NAME: BANPONCE CORP CENTRAL INDEX KEY: 0000763901 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 660416582 STATE OF INCORPORATION: PR FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 424B2 SEC ACT: 1933 Act SEC FILE NUMBER: 033-61601 FILM NUMBER: 95606100 BUSINESS ADDRESS: STREET 1: 209 MUNOZ RIVERA AVE STREET 2: POPULAR CENTER BUILDING CITY: HATO REY STATE: PR ZIP: 00918 BUSINESS PHONE: 8097659800 MAIL ADDRESS: STREET 1: P.O. BOX 362708 CITY: SAN JUAN STATE: PR ZIP: 00936-2708 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BANPONCE FINANCIAL CORP CENTRAL INDEX KEY: 0000877337 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 660476353 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 424B2 SEC ACT: 1933 Act SEC FILE NUMBER: 033-61601-01 FILM NUMBER: 95606101 BUSINESS ADDRESS: STREET 1: C/O CT 1209 ORANGE ST CITY: WILMINGTON STATE: DE ZIP: 19801 BUSINESS PHONE: 8097659800 MAIL ADDRESS: STREET 1: C/O SULLIVAN & CROMWELL STREET 2: 125 BROAD ST CITY: NEW YORK STATE: NY ZIP: 10004 FILER: COMPANY DATA: COMPANY CONFORMED NAME: POPULAR INTERNATIONAL BANK INC CENTRAL INDEX KEY: 0000896074 STANDARD INDUSTRIAL CLASSIFICATION: UNKNOWN SIC - 0000 [0000] STATE OF INCORPORATION: A7 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 424B2 SEC ACT: 1933 Act SEC FILE NUMBER: 033-61601-02 FILM NUMBER: 95606102 BUSINESS ADDRESS: STREET 1: 209 MUNOZ RIVERA AVE CITY: HATO REY STATE: A7 ZIP: 00918 BUSINESS PHONE: 8097659800 MAIL ADDRESS: STREET 1: C/O SULLIVAN & CROMWELL STREET 2: 125 BROAD ST CITY: NEW YORK STATE: NY ZIP: 10004 424B2 1 BANPONCE CORPORATION PROSPECTUS SUPPLEMENT 1 Pricing Supplement, dated October 7, 1993 to Prospectus Supplement dated June 16, 1993 and Prospectus dated May 3, 1993 and Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES A Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE DATE: October 8, 1993 MATURITY DATE: October 8, 1998 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 5.48% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated October 7, 1993 2 424 (b)(2) Pricing Supplement, dated October 15, 1993 File No. 33-41686 to the Prospectus Supplement dated October 11, 1991, and Prospectus dated October 1, 1991 BANPONCE FINANCIAL CORP. MEDIUM-TERM Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $5,000,000.00 ORIGINAL ISSUE DATE: October 15, 1993 MATURITY DATE: April 17, 1995 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 3.5625% INTEREST RATE BASIS: FLOATING INDEX MATURITY: 3 month libor SPREAD: +.1875% INTEREST RATE RESET PERIOD: 12/15/93 12/21/94 03/16/94 03/15/95 06/15/94 04/17/95 09/21/94 INTEREST PAYMENT PERIOD: Third Wednesday of March, June, September & December The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used by the Company to repay indebtedness incurred by the Company in connection with the purchase of Spring Financial Services Inc. On the date hereof, such indebtedness being at the rate of 6.50% per annum. Pricing Supplement dated October 15, 1993 3 Pricing Supplement, dated October 15, 1993 to Prospectus Supplement dated June 16, 1993 and Prospectus dated May 3, 1993 and Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES A Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE DATE: October 15, 1993 MATURITY DATE: April 17, 2000 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 5.80% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated October 15, 1993 4 Pricing Supplement, dated October 19, 1993 to Prospectus Supplement dated June 16, 1993, and Prospectus dated May 3, 1993 Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM NOTES SERIES A Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE DATE: October 20, 1993 MATURITY DATE: October 26, 1998 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 5.48% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial's operations. Pricing Supplement dated October 19, 1993 5 Pricing Supplement, dated October 21, 1993 to Prospectus Supplement dated June 16, 1993 and Prospectus dated May 3, 1993 and Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES A Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $15,000,000.00 ORIGINAL ISSUE DATE: October 26, 1993 MATURITY DATE: October 26, 1998 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 5.48% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated October 21, 1993 6 Pricing Supplement, dated November 22, 1993 to Prospectus Supplement dated May 3, 1993 and Prospectus dated May 3, 1993 Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $15,000,000.00 ORIGINAL ISSUE DATE: November 24, 1993 MATURITY DATE: November 25, 1996 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 3.95% INTEREST RATE BASIS: FLOATING INDEX MATURITY: 3 month libor SPREAD: +.45% INTEREST RATE RESET PERIOD: 12/15/93 12/21/94 12/20/95 03/16/94 03/15/95 03/20/96 06/15/94 06/21/95 06/19/96 09/21/94 09/20/95 09/18/96 INTEREST PAYMENT PERIOD: Third Wednesday of March, June, September & December The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated November 22, 1993 7 Pricing Supplement, dated December 2, 1993 to Prospectus Supplement dated June 16, 1993 and Prospectus dated May 3, 1993 and Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES A Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $5,000,000.00 ORIGINAL ISSUE DATE: December 6, 1993 MATURITY DATE: December 6, 1996 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 5.33% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated December 2, 1993 8 Pricing Supplement, dated December 15, 1993 to Prospectus Supplement dated May 3, 1993 and Prospectus dated May 3, 1993 Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE DATE: December 17, 1993 MATURITY DATE: December 17, 1996 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 3.8125% INTEREST RATE BASIS: FLOATING INDEX MATURITY: 3 month libor SPREAD: +.50% INTEREST RATE RESET PERIOD: Two business days prior. INTEREST PAYMENT PERIOD: Pays the 17th or next good business day of March, June, September and December. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated December 15, 1993 9 Pricing Supplement, dated January 3, 1994 to Prospectus Supplement dated May 3, 1993 and Prospectus dated May 3, 1993 Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE DATE: January 5, 1994 MATURITY DATE: January 7, 1997 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 3.875% INTEREST RATE BASIS: FLOATING INDEX MATURITY: 3 month libor SPREAD: +.50% INTEREST RATE RESET PERIOD: Two business days prior. INTEREST PAYMENT PERIOD: Pays the 3rd Wednesday or next good business day of March, June, September and December. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated January 3, 1994 10 Pricing Supplement, dated January 3, 1994 to Prospectus Supplement dated June 16, 1993 and Prospectus dated May 3, 1993 and Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES A Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $15,000,000.00 ORIGINAL ISSUE DATE: January 5, 1994 MATURITY DATE: January 7, 1997 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 5.45% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated January 3, 1994 11 Pricing Supplement, dated February 28, 1994 to Prospectus Supplement dated June 16, 1993 and Prospectus dated May 3, 1993 and Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES A Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE DATE: March 2, 1994 MATURITY DATE: March 2, 1999 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.36% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated February 28, 1994 12 Pricing Supplement, dated March 4, 1994 to Prospectus Supplement dated May 3, 1993 and Prospectus dated May 3, 1993 Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $5,000,000.00 ORIGINAL ISSUE DATE: March 7, 1994 MATURITY DATE: September 4, 1995 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 4.05813% INTEREST RATE BASIS: FLOATING INDEX MATURITY: 3 month libor SPREAD: +.23% INTEREST RATE RESET PERIOD: Two business days prior. INTEREST PAYMENT PERIOD: Pays the 3rd Wednesday or next good business day of March, June, September and December. First interest payment will be on June 15, 1994. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated March 4, 1994 13 Pricing Supplement, dated March 15, 1994 to Prospectus Supplement dated May 3, 1993 and Prospectus dated May 3, 1993 Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $5,000,000.00 ORIGINAL ISSUE DATE: March 15, 1994 MATURITY DATE: March 19, 1997 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 4.275% INTEREST RATE BASIS: FLOATING INDEX MATURITY: 3 month libor SPREAD: +.40% INTEREST RATE RESET PERIOD: Two business days prior. INTEREST PAYMENT PERIOD: Pays the 3rd Wednesday or next good business day of March, June, September and December. First interest payment will be on June 15, 1994. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated March 15, 1994 14 Pricing Supplement, dated March 16, 1994 to Prospectus Supplement dated May 3, 1993 and Prospectus dated May 3, 1993 Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $25,000,000.00 ORIGINAL ISSUE DATE: March 16, 1994 MATURITY DATE: March 19, 1997 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 4.25% INTEREST RATE BASIS: FLOATING INDEX MATURITY: 3 month libor SPREAD: +.375% INTEREST RATE RESET PERIOD: Two business days prior. INTEREST PAYMENT PERIOD: Pays the 3rd Wednesday or next good business day of March, June, September and December. First interest payment will be on June 15, 1994. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated March 16, 1994 15 Pricing Supplement, dated March 17, 1994 to Prospectus Supplement dated May 3, 1993 and Prospectus dated May 17, 1993 Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $5,000,000.00 ORIGINAL ISSUE DATE: March 18, 1994 MATURITY DATE: March 19, 1997 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 4.25% INTEREST RATE BASIS: FLOATING INDEX MATURITY: 3 month libor SPREAD: +.375% INTEREST RATE RESET PERIOD: Two business days prior. INTEREST PAYMENT PERIOD: Pays the 3rd Wednesday or next good business day of March, June, September and December. First interest payment will be on June 15, 1994. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated March 17, 1994 16 Pricing Supplement, dated March 23, 1994 to Prospectus Supplement dated June 16, 1993 and Prospectus dated May 3, 1993 and Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES A Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $15,000,000.00 ORIGINAL ISSUE DATE: March 25, 1994 MATURITY DATE: March 25, 1996 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 5.60% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated March 23, 1994 17 Pricing Supplement, dated March 25, 1994 to Prospectus Supplement dated June 16, 1993 and Prospectus dated May 3, 1993 and Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES A Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $5,000,000.00 ORIGINAL ISSUE DATE: March 28, 1994 MATURITY DATE: March 28, 1996 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 5.68% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated March 25, 1994 18 Pricing Supplement, dated April 12, 1994 to Prospectus Supplement dated June 16, 1993 and Prospectus dated May 3, 1993 and Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES A Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $5,000,000.00 ORIGINAL ISSUE DATE: April 13, 1994 MATURITY DATE: April 13, 1998 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.98% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated April 12, 1994 19 Pricing Supplement, dated April 13, 1994 to Prospectus Supplement dated June 16, 1993 and Prospectus dated May 3, 1993 Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $5,000,000.00 ORIGINAL ISSUE DATE: April 13, 1994 MATURITY DATE: April 13, 1995 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 4.1875% INTEREST RATE BASIS: FLOATING INDEX MATURITY: 3 month libor SPREAD: +.1875% INTEREST RATE RESET PERIOD: Two business days prior. INTEREST PAYMENT PERIOD: Pays the 3rd Wednesday or next good business day of March, June, September and December. First interest payment will be on June 15, 1994. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated April 13, 1994 20 Pricing Supplement, dated May 3, 1994 to Prospectus Supplement dated June 16, 1993 and Prospectus dated May 3, 1993 Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $15,000,000.00 ORIGINAL ISSUE DATE: May 5, 1994 MATURITY DATE: May 5, 1997 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 4.725% INTEREST RATE BASIS: FLOATING INDEX MATURITY: 3 month libor SPREAD: +.35% INTEREST RATE RESET PERIOD: Two business days prior. INTEREST PAYMENT PERIOD: Pays the 3rd Wednesday or next good business day of March, June, September and December. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated May 3, 1994 21 Pricing Supplement, dated May 11, 1994 to Prospectus Supplement dated June 16, 1993 and Prospectus dated May 3, 1993 Supplement to Prospectus dated September 30, 1993 BANPONCE FINANCIAL CORP. MEDIUM-TERM Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE DATE: May 13, 1994 MATURITY DATE: May 15, 1995 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 5.0625% INTEREST RATE BASIS: FLOATING INDEX MATURITY: 3 month libor SPREAD: +.25% INTEREST RATE RESET PERIOD: Two business days prior. INTEREST PAYMENT PERIOD: 8/15/94, 11/15/94, 2/15/95 & 5/15/95. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. Pricing Supplement dated May 11, 1994 22 Pricing Supplement, dated August 19, 1994 to Prospectus Supplement dated August 1, 1994 and Prospectus dated July 21, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM NOTES SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $15,000,000.00 ORIGINAL ISSUE DATE: August 23, 1994 MATURITY DATE: August 23, 1996 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.87% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial's operations. Pricing Supplement dated August 19, 1994 23 Pricing Supplement, dated August 19, 1994 to Prospectus Supplement dated August 1, 1994, and Prospectus dated July 21, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM NOTES SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $15,000,000.00 ORIGINAL ISSUE DATE: August 26, 1994 MATURITY DATE: August 26, 1997 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 7.17% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial's operations. Pricing Supplement dated August 19, 1994 24 Pricing Supplement, dated October 17, 1994 to Prospectus Supplement dated August 1, 1994 and Prospectus dated July 21, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE DATE: October 20, 1994 MATURITY DATE: July 20, 1995 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.25% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: At Maturity 7/20/95. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. 25 Pricing Supplement, dated October 17, 1994 to Prospectus Supplement dated August 1, 1993 and Prospectus dated July 21, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $5,000,000.00 ORIGINAL ISSUE DATE: October 20, 1994 MATURITY DATE: July 17, 1995 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.25% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Spring Financial operations. 26 Pricing Supplement, dated October 17, 1994 and Prospectus dated July 21, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM NOTE SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $15,000,000.00 ORIGINAL ISSUE DATE: January 26, 1995 MATURITY DATE: January 27, 1997 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.750% INTEREST RATE BASIS: FLOATING INDEX MATURITY: 3 month libor SPREAD: +.375% INTEREST RATE RESET PERIOD: Two business days prior. INTEREST PAYMENT PERIOD: 03/15/95, 06/15/95, 09/20/95, 12/20/95, 03/20/96, 06/19/96, 09/18/96, 12/18/96 and 1/27/97 The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One operations. 27 "REVISED COPY" Pricing Supplement, dated October 28, 1994 to Prospectus Supplement dated August 1, 1994 and Prospectus dated July 21, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $15,000,000.00 ORIGINAL ISSUE DATE: November 1, 1994 MATURITY DATE: August 15, 1997 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 7.73% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: 6/15 & 12/15 The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One operations. 28 Pricing Supplement, dated October 28, 1994 to Prospectus Supplement dated August 1, 1994 and Prospectus dated July 21, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $20,000,000.00 ORIGINAL ISSUE DATE: November 1, 1994 MATURITY DATE: November 4, 1998 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 8.12% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One operations. 29 Pricing Supplement, dated November 17, 1994 to Prospectus Supplement dated August 1, 1994 and Prospectus dated July 21, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $1,100,000.00 ORIGINAL ISSUE DATE: November 23, 1994 MATURITY DATE: November 23, 1999 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 8.41% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One operations. 30 Pricing Supplement, dated November 17, 1994 to Prospectus Supplement dated August 1, 1994 and Prospectus dated July 21, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE DATE: November 23, 1994 MATURITY DATE: October 23, 1996 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 7.70% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One operations. 31 Pricing Supplement, dated November 17, 1994 to Prospectus Supplement dated August 1, 1994 and Prospectus dated July 21, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE DATE: November 23, 1994 MATURITY DATE: November 24, 1997 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 8.04% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One operations. 32 Pricing Supplement, dated December 8, 1994 to Prospectus Supplement dated August 1, 1994 and Prospectus dated July 21, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $25,000,000.00 ORIGINAL ISSUE DATE: December 8, 1994 MATURITY DATE: December 9, 1996 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 8.17% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One operations. 33 Pricing Supplement, dated January 26, 1995 to Prospectus dated July 21, 1994 and Prospectus Supplement dated August 1, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE DATE: January 30, 1995 MATURITY DATE: January 30, 1997 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 8.32% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually: June 15 and December 15. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One, Inc. operations. 34 Pricing Supplement, dated January 26, 1995 Prospectus dated July 21, 1994 and Prospectus Supplement dated August 1, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM NOTE SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE DATE: January 30, 1995 MATURITY DATE: January 30, 1997 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.6925% INTEREST RATE BASIS: FLOATING INDEX MATURITY: 3 month libor SPREAD: +.38% INTEREST RATE RESET PERIOD: Two business days prior. INTEREST PAYMENT PERIOD: 03/15/95, 06/15/95, 09/20/95, 12/20/95, 03/20/96, 06/19/96, 09/18/96, 12/18/96 and 1/30/97 The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One operations. 35 Pricing Supplement, dated April 13, 1995 to Prospectus dated July 21, 1994 and Prospectus Supplement dated August 1, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE DATE: April 13, 1995 MATURITY DATE: April 13, 2000 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 7.72 per cent INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually: June 15 and December 15. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One, Inc. operations. 36 Pricing Supplement, dated April 13, 1995, to the Prospectus Supplement, dated April 13, 1995, to the Prospectus, dated July 21, 1994 BANPONCE CORPORATION MEDIUM-TERM NOTES, SERIES 1 Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest PRINCIPAL AMOUNT: U.S. $13,000,000.00 ORIGINAL ISSUE DATE: February 15, 1995 SETTLEMENT DATE: April 13, 1995 MATURITY DATE: February 16, 1996 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.4375% INTEREST RATE BASIS: 3 MONTH LIBOR INDEX MATURITY: N/A SPREAD: +.125% INTEREST RATE RESET PERIOD: 5/16/95, 8/15/95, AND 11/14/95. INTEREST PAYMENT PERIOD: 7/3/95 (WILL COVER FROM 2/15/95 TO 5/18/95) 8/17/95, 11/16/95, AND 2/16/96. REDEMPTION PROVISIONS: "If BanPonce Corporation does not maintain top-tier short-term ratings from a minimum of two of the six Nationally Recognized Statistical Rating Organizations, the purchaser shall have the unconditional right to demand prepayment of 100% of the outstanding principal amount of the note plus accrued interest. Such demand shall be made by telephone from the purchaser to the issuer up until 12:00 p.m., Cst, on the same business day on which the prepayment will be made. The issuer shall pay to the purchaser the principal amount under the note(s) and all interest accrued and not paid theretofore on the date of prepayment. All payments shall be made in immediately available funds." The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance BanPonce Corporation subsidiaries. 37 Pricing Supplement, dated April 13, 1995, to the Prospectus Supplement, dated April 13, 1995, to the Prospectus, dated July 21, 1994 BANPONCE CORPORATION MEDIUM-TERM NOTES, SERIES 1 Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE DATE: February 15, 1995 SETTLEMENT DATE: April 13, 1995 MATURITY DATE: February 16, 1996 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.4375% INTEREST RATE BASIS: 3 MONTH LIBOR INDEX MATURITY: N/A SPREAD: +.125% INTEREST RATE RESET PERIOD: 5/16/95, 8/15/95, AND 11/14/95. INTEREST PAYMENT PERIOD: 7/3/95 (WILL COVER FROM 2/15/95 TO 5/18/95) 8/17/95, 11/16/95, AND 2/16/96. REDEMPTION PROVISIONS: "If BanPonce Corporation does not maintain top-tier short-term ratings from a minimum of two of the six Nationally Recognized Statistical Rating Organizations, the purchaser shall have the unconditional right to demand prepayment of 100% of the outstanding principal amount of the note plus accrued interest. Such demand shall be made by telephone from the purchaser to the issuer up until 12:00 p.m., Cst, on the same business day on which the prepayment will be made. The issuer shall pay to the purchaser the principal amount under the note(s) and all interest accrued and not paid theretofore on the date of prepayment. All payments shall be made in immediately available funds." The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance BanPonce Corporation subsidiaries. 38 Pricing Supplement, dated April 13, 1995, to the Prospectus Supplement, dated April 13, 1995, to the Prospectus, dated July 21, 1994 BANPONCE CORPORATION MEDIUM-TERM NOTES, SERIES 1 Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest PRINCIPAL AMOUNT: U.S. $27,000,000.00 ORIGINAL ISSUE DATE: February 15, 1995 SETTLEMENT DATE: April 13, 1995 MATURITY DATE: February 16, 1996 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.4375% INTEREST RATE BASIS: 3 MONTH LIBOR INDEX MATURITY: N/A SPREAD: +.125% INTEREST RATE RESET PERIOD: 5/16/95, 8/15/95, AND 11/14/95. INTEREST PAYMENT PERIOD: 7/3/95 (WILL COVER FROM 2/15/95 TO 5/18/95) 8/17/95, 11/16/95, AND 2/16/96. REDEMPTION PROVISIONS: "If BanPonce Corporation does not maintain top-tier short-term ratings from a minimum of two of the six Nationally Recognized Statistical Rating Organizations, the purchaser shall have the unconditional right to demand prepayment of 100% of the outstanding principal amount of the note plus accrued interest. Such demand shall be made by telephone from the purchaser to the issuer up until 12:00 p.m., Cst, on the same business day on which the prepayment will be made. The issuer shall pay to the purchaser the principal amount under the note(s) and all interest accrued and not paid theretofore on the date of prepayment. All payments shall be made in immediately available funds." The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance BanPonce Corporation subsidiaries. 39 Pricing Supplement, dated April 13, 1995, to the Prospectus Supplement, dated April 13, 1995, to the Prospectus, dated July 21, 1994 BANPONCE CORPORATION MEDIUM-TERM NOTES, SERIES 1 Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest PRINCIPAL AMOUNT: U.S. $40,000,000.00 ORIGINAL ISSUE DATE: February 16, 1995 MATURITY DATE: February 3, 1997 SETTLEMENT DATE: April 13, 1995 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.6625% INTEREST RATE BASIS: 3 month libor INDEX MATURITY: N/A SPREAD: +.35% INTEREST RATE RESET PERIOD: Two business days prior. INTEREST PAYMENT PERIOD: 7/3/95, 9/20/95, 12/20/95, 3/20/96, 6/19/96, 9/18/96, 12/18/96, and 2/3/97. REDEMPTION PROVISIONS: N/A The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance BanPonce Corporation subsidiaries. 40 Pricing Supplement, dated April 13, 1995, to the Prospectus Supplement, dated April 13, 1995, to the Prospectus, dated July 21, 1994 BANPONCE CORPORATION MEDIUM-TERM NOTES, SERIES 1 Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest PRINCIPAL AMOUNT: U.S. $25,000,000.00 ORIGINAL ISSUE DATE: February 28, 1995 SETTLEMENT DATE: April 13, 1995 MATURITY DATE: February 28, 1996 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.375% INTEREST RATE BASIS: 3 month libor INDEX MATURITY: N/A SPREAD: +.125% INTEREST RATE RESET PERIOD: 5/16/95, 8/15/95, and 11/14/95. INTEREST PAYMENT PERIOD: 7/3/95 (will cover from 2/28/95 to 5/18/95) 8/17/95, 11/16/95, and 2/28/96. REDEMPTION PROVISIONS: "If BanPonce Corporation does not maintain top-tier short-term ratings from a minimum of two of the six Nationally Recognized Statistical Rating Organizations, the purchaser shall have the unconditional right to demand prepayment of 100% of the outstanding principal amount of the note plus accrued interest. Such demand shall be made by telephone from the purchaser to the issuer up until 12:00 p.m., Cst, on the same business day on which the prepayment will be made. The issuer shall pay to the purchaser the principal amount under the note(s) and all interest accrued and not paid theretofore on the date of prepayment. All payments shall be made in immediately available funds." The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance BanPonce Corporation subsidiaries. 41 Pricing Supplement, dated April 19, 1995 to the Prospectus Supplement, dated April 13, 1995 and Prospectus, dated July 21, 1994 BANPONCE CORPORATION MEDIUM-TERM SERIES 1 Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest
PRINCIPAL AMOUNT . . . . . . . . . . . . . . . . . . . . . . . . U.S. $30,000,000.00 ORIGINAL ISSUE/SETTLEMENT DATE . . . . . . . . . . . . . . . . . APRIL 21, 1995 MATURITY DATE . . . . . . . . . . . . . . . . . . . . . . . . . APRIL 21, 1997 GLOBAL NOTE . . . . . . . . . . . . . . . . . . . . . . . . . . YES INITIAL INTEREST RATE . . . . . . . . . . . . . . . . . . . . . 6.60% INTEREST RATE BASIS . . . . . . . . . . . . . . . . . . . . . . 3 MONTH LIBOR INDEX MATURITY . . . . . . . . . . . . . . . . . . . . . . . . N/A SPREAD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .35% INTEREST RATE RESET PERIOD . . . . . . . . . . . . . . . . . . . TWO BUSINESS DAYS PRIOR INTEREST PAYMENT PERIOD . . . . . . . . . . . . . . . . . . . . 7/20/95, 10/18/95, 1/17/96, 4/17/96, 7/19/96, 10/18/96, 1/17/97 AND 4/21/97. REDEMPTION PROVISIONS . . . . . . . . . . . . . . . . . . . . . N/A
The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance BanPonce Corporation subsidiaries. 42 Pricing Supplement, dated May 1, 1995 to Prospectus dated July 21, 1994 and Prospectus Supplement dated August 1, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $20,000,000.00 ORIGINAL ISSUE DATE: May 3, 1995 MATURITY DATE: May 3, 2000 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 7.65% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually: June 15 and December 15. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One, Inc. operations. 43 Pricing Supplement, dated May 1, 1995 to the Prospectus Supplement, dated July 21, 1994 and Prospectus Supplement dated August 1, 1994 BANPONCE FINANCIAL CORPORATION MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $20,000,000.00 ORIGINAL ISSUE/SETTLEMENT DATE: May 3, 1995 MATURITY DATE: May 3, 2000 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.6475% INTEREST RATE BASIS: 3 MONTH LIBOR INDEX MATURITY: N/A SPREAD: .46% INTEREST RATE RESET PERIOD: Two business days prior INTEREST PAYMENT PERIOD: 6/21/95, 9/20/95, 12/20/95, 3/20/96, 6/19/96, 9/18/96, 12/18/96, 3/19/97, 6/18/97, 9/17/97, 12/17/97, 3/18/98, 6/17/98, 9/16/98, 12/16/98, 3/17/99, 6/16/99, 9/15/99, 12/15/99, 3/18/2000 & 5/3/2000 REDEMPTION PROVISIONS N/A The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One, Inc. operations. 44 Pricing Supplement, dated May 11, 1995 to Prospectus dated July 21, 1994 and Prospectus Supplement dated August 1, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $15,000,000.00 ORIGINAL ISSUE DATE: May 15, 1995 MATURITY DATE: May 15, 2002 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 7.175% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually: June 15 and December 15. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One, Inc. operations. 45 Pricing Supplement, dated May 15, 1995 to Prospectus dated July 21, 1994 and Prospectus Supplement dated August 1, 1994 BANPONCE CORPORATION MEDIUM-TERM NOTES, SERIES 1 Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest PRINCIPAL AMOUNT: U.S. $7,000,000.00 ORIGINAL ISSUE DATE: May 17, 1995 MATURITY DATE: May 16, 1997 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.71% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: First Interest Coupon 12-15- 95, 6-15-96, 12-15-96 & 5-16- 97. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance BanPonce Corporation Subsidiaries. 46 Pricing Supplement, dated June 1, 1995 to Prospectus dated July 21, 1994 and Prospectus Supplement dated August 1, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $15,000,000.00 ORIGINAL ISSUE DATE: June 5, 1995 MATURITY DATE: June 5, 2002 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 7.30% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually: June 15 and December 15. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One, Inc. operations. 47 Pricing Supplement, dated June 12, 1995 to Prospectus dated July 21, 1994 and Prospectus Supplement dated August 1, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $20,000,000.00 ORIGINAL ISSUE DATE: June 16, 1995 MATURITY DATE: June 16, 2000 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.88% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually: June 15 and December 15. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One, Inc. operations. 48 Pricing Supplement, dated July 19, 1995 to the Prospectus, dated July 21, 1994 and Prospectus Supplement, dated August 1, 1994 BANPONCE FINANCIAL CORPORATION MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $15,000,000.00 ORIGINAL ISSUE/SETTLEMENT DATE: July 20, 1995 MATURITY DATE: July 21, 1997 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.125% INTEREST RATE BASIS: 3 MONTH LIBOR INDEX MATURITY: N/A SPREAD: .25% INTEREST RATE RESET PERIOD: TWO BUSINESS DAYS PRIOR INTEREST PAYMENT PERIOD: THIRD WEDNESDAY OR NEXT GOOD BUSINESS DAY OF MARCH, JUNE, SEPTEMBER AND DECEMBER. REDEMPTION PROVISIONS: N/A The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One, Inc. operations. 49 Pricing Supplement, dated July 26, 1995 to the Prospectus, dated July 21, 1994 and Prospectus Supplement, dated August 1, 1994 BANPONCE FINANCIAL CORPORATION MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE/SETTLEMENT DATE: July 27, 1995 MATURITY DATE: July 28, 1997 GLOBAL NOTE: YES INITIAL INTEREST RATE: 6.18359% INTEREST RATE BASIS: 3 MONTH LIBOR INDEX MATURITY: N/A SPREAD: .25% INTEREST RATE RESET PERIOD: TWO BUSINESS DAYS PRIOR INTEREST PAYMENT PERIOD: THIRD WEDNESDAY OR NEXT GOOD BUSINESS DAY OF MARCH, JUNE, SEPTEMBER, AND DECEMBER, COMMENCING SEPTEMBER 20, 1995. REDEMPTION PROVISIONS: N/A The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One, Inc. operations. 50 Pricing Supplement, dated August 08, 1995 to the Prospectus Supplement, dated July 21, 1994 and Prospectus Supplement, dated August 1, 1994 BANPONCE FINANCIAL CORPORATION MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE/SETTLEMENT DATE: August 10, 1995 MATURITY DATE: August 10, 1998 GLOBAL NOTE: YES INITIAL INTEREST RATE: 6.165% INTEREST RATE BASIS: 3 MONTH LIBOR INDEX MATURITY: N/A SPREAD: .29% INTEREST RATE RESET PERIOD: TWO BUSINESS DAYS PRIOR INTEREST PAYMENT PERIOD: THIRD WEDNESDAY OR NEXT GOOD BUSINESS DAY OF MARCH, JUNE, SEPTEMBER AND DECEMBER, COMMENCING SEPTEMBER 20, 1995. REDEMPTION PROVISIONS: N/A The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One, Inc. operations. 51 Pricing Supplement, dated September 8, 1995 to Prospectus dated July 21, 1994 and Prospectus Supplement dated April 13, 1995 BANPONCE CORPORATION MEDIUM-TERM NOTES, SERIES 1 Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest PRINCIPAL AMOUNT: U.S. $500,000.00 ORIGINAL ISSUE DATE: September 12, 1995 MATURITY DATE: September 11, 1998 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.39% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: 6/15 & 12/15 (First Interest Coupon 12/15/95) The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance BanPonce Corporation Subsidiaries. 52 Pricing Supplement, dated September 20, 1995 to Prospectus dated July 21, 1994 and Prospectus Supplement dated August 1, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $20,000,000.00 ORIGINAL ISSUE DATE: September 21, 1995 MATURITY DATE: September 21, 2000 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.69% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually: June 15 and December 15. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One, Inc. operations. 53 Pricing Supplement, dated November 21, 1995 to Prospectus dated July 21, 1994 and Prospectus Supplement dated August 1, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $10,000,000.00 ORIGINAL ISSUE DATE: November 22, 1995 MATURITY DATE: November 22, 1999 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.33% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: 6/15, 12/15, First Payment 12/15/95. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One, Inc. operations. 54 Pricing Supplement, dated December 5, 1995 to Prospectus dated July 21, 1994 and Prospectus Supplement dated August 1, 1994 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES B Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $15,000,000.00 ORIGINAL ISSUE DATE: December 7, 1995 MATURITY DATE: September 9, 1996 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 5.86% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: First Payment 6/15/96 and at the maturity date. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One, Inc. operations. 55 Pricing Supplement, dated December 6, 1995, to the Prospectus, dated September 27, 1995, and Prospectus Supplement, dated October 6, 1995 BANPONCE CORPORATION MEDIUM-TERM NOTES, SERIES 2 Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest PRINCIPAL AMOUNT: U.S. $3,000,000.00 ORIGINAL ISSUE DATE: December 12, 1995 SETTLEMENT DATE: December 12, 1995 MATURITY DATE: December 18, 1996 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 5.9125% INTEREST RATE BASIS: 3 month libor INDEX MATURITY: N/A SPREAD: +.10% INTEREST RATE RESET PERIOD: 03/18/95, 06/17/96 and 09/16/96. INTEREST PAYMENT PERIOD: 03/20/96, 06/19/96, 09/18/96 and 12/18/96. REDEMPTION PROVISIONS: "If BanPonce Corporation does not maintain top-tier short-term ratings from a minimum of two of the six Nationally Recognized Statistical Rating Organizations, the purchaser shall have the unconditional right to demand prepayment of 100% of the outstanding principal amount of the note plus accrued interest. Such demand shall be made by telephone from the purchaser to the issuer up until 12:00 p.m.., Cst, on the same business day on which the prepayment will be made. The issuer shall pay to the purchaser the principal amount under the note(s) and all interest accrued and not paid theretofore on the date of prepayment. All payments shall be made in immediately available funds." The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance BanPonce Corporation subsidiaries. 56 Pricing Supplement, dated December 6, 1995, to the Prospectus, dated September 27, 1995, and the Prospectus Supplement, dated October 6, 1995 BANPONCE CORPORATION MEDIUM-TERM NOTES, SERIES 2 Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest PRINCIPAL AMOUNT: U.S. $7,000,000.00 ORIGINAL ISSUE DATE: December 12, 1995 SETTLEMENT DATE: December 12, 1995 MATURITY DATE: December 18, 1996 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 5.9125% INTEREST RATE BASIS: 3 month libor INDEX MATURITY: N/A SPREAD: +.10% INTEREST RATE RESET PERIOD: 03/18/95, 06/17/96 and 09/16/96 INTEREST PAYMENT PERIOD: 03/20/96, 06/19/96, 09/18/96 and 12/18/96. REDEMPTION PROVISIONS: "If BanPonce Corporation does not maintain top-tier short-term ratings from a minimum of two of the six Nationally Recognized Statistical Rating Organizations, the purchaser shall have the unconditional right to demand prepayment of 100% of the outstanding principal amount of the note plus accrued interest. Such demand shall be made by telephone from the purchaser to the issuer up until 12:00 p.m.., Cst, on the same business day on which the prepayment will be made. The issuer shall pay to the purchaser the principal amount under the note(s) and all interest accrued and not paid theretofore on the date of prepayment. All payments shall be made in immediately available funds." The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance BanPonce Corporation subsidiaries. 57 Pricing Supplement, dated December 19, 1995 to Prospectus dated September 27, 1995 and Prospectus Supplement dated October 6, 1995 BANPONCE FINANCIAL CORP. MEDIUM-TERM SERIES C Due From Nine Months to 30 Years From Date of Issue Payment of Principal, Premium, if any, and Interest Guaranteed by BANPONCE CORPORATION PRINCIPAL AMOUNT: U.S. $15,000,000.00 ORIGINAL ISSUE DATE: December 21, 1995 MATURITY DATE: December 21, 2005 GLOBAL NOTE: Yes INITIAL INTEREST RATE: 6.80% INTEREST RATE BASIS: Fixed INDEX MATURITY: N/A SPREAD: N/A INTEREST RATE RESET PERIOD: N/A INTEREST PAYMENT PERIOD: Semi-Annually: June 15 and December 15. The proceeds from the issuance of the Note to which this Pricing Supplement relates will be used to finance Equity One, Inc. operations. -----END PRIVACY-ENHANCED MESSAGE-----