Categoria Bancos

PRIVATE/PROPRIETARY Contains private and/or proprietary information. May not be used or disclosed
outside of GFR Media LLC, except pursuant to a written agreement.
FINANCIAL

AGENDA
1. GFR Media
2. PR Advertising Market
3. Financial advertising market
4. PR Audience Market
5. Financial Audience market
6. Circulation
7. GFR Media and Financial (Best practices in advertising)
8. Next steps
2

Grupo Ferré Rangel (GFR)
• Grupo Ferré Rangel is a family owned conglomerate in
Puerto Rico
• Companies owned by GFR include:
– GFR Media - largest and most diversified media company in PR
• Publishes: El Nuevo Dia – Puerto Rico’s principal newspaper, Primera
Hora – second largest newspaper, and Indice – largest non-paid
newspaper
– Advanced Graphic Printing – a commercial printing company
– El Día Directo (EDD) – the largest direct marketing company;
offering service in PR and US
– City View Plaza – Commercial real estate company

Media Properties
• Media properties account for 35% of the media
expenditure in the island
– Newspapers dominate investment in media
• Puerto Rico is one of the countries with the highest levels
of readership in the world
• El Nuevo Dia is the leading newspaper in the market as
measured by circulation, advertising and quality of
readership
– Leader in Class A, B & C Reach
• Shoppers that insert in the newspaper are the main source
of information for purchasing decision in Puerto Rico

World’s Readership
PR is one of the countries with highest levels of readership in the world
83%
92%
85%
80%
73%
61%
50% 50% 52%
44%
42%
33%
24%
75% 74%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Japan
PuertoRico
Denmark
Singapur
Chile
Germany
Austria
China
NewZealand
USA
Brazil
France
Spain
UnitedKindom
Uruguay
Source: World Press Trends - 2007
*Based on CMB 2007 – Last Week (Monday to Saturday) readers
85%
Countries with population between
3 and 4.5 millions

GFR Media has evolved from a newspaper
to a content and media company

DBMarketing-Analytics
• We are the largest and most diversified media company in Puerto Rico
• Leader in newspaper readership: over 2.1 million weekly readers.
• Leader in digital traffic: over 6 million monthly unique browsers.
• Leader in Database: over 2 million people in GFR Media DATABASE.
• Leader in Circulation: over 407k newspapers
• Leader in Social Networks:
• over 2.4 millions fans
• over 600K followers
• over 67K followers

GFR Media Newspaper Products
El Nuevo Día
• Newspaper of record in Puerto Rico
• Primarily island wide home delivered
• Leader in audited circulation
• Over 1.4 million readers
• Audited circulation 184,306 weekly & 207,659 Sunday
• Proven results for advertisers
Primera Hora
• Leader in single copy circulation
• Primarily in stores and distribution points
• Second largest paid newspaper
• Over 1.3 million readers
Indice
• Leader in non-paid circulation
• Over 120k daily copies
• Over 240k regional copies on Thursday
• Promotional and commercial platform
• Flexible distribution
• 360 Offering

GFR Media Digital Products
elnuevodia.com
• #1 most visited site in Puerto Rico
• Over 5 Million Monthly Unique Browsers
• Leader in Social Media reach
• Over 1.2 Million Facebook Likes
• Over 349k Twitter Followers
primerahora.com
• #2 news site in Puerto Rico
• Over 2.2 Million Monthly Unique Browsers
• Focus on Entertainment and Sports
• Younger audience
• Social Media Presence:
• Facebook 756k
• Twitter 264k
indicepr.com
• Over 500k Monthly Unique Browsers
• Responsive design platform
• Focus on light news
• Social Media Presence:
• Facebook: 240k
• Twitter: 10k

Mobile
Total Mobile units GFR MEDIA reaches
3,074,96
In Puerto Rico
*Source: Junta Reglamentadora de Telecomunicaciones, February 2014
**Includes Mobile Web and Native Applications. Source: Comscore and Flurry Analytics. March 2014
4,550,043
Monthly Mobile Users
2,910,057
Monthly unique
browsers**
1,398,644
Monthly unique
browsers**
241,342
Monthly unique
browsers**

Advertising Market
Puerto Rico Overview
13

ADVERTISING MARKET IN PR 2013
Rate Card
$2.1 billions
Real Investment
$602 millions
Nielsen Adynamics – Jan – Dec. Real investment calculations by GFR Media
Total Advertising spending in Puerto Rico at “rate card” was $2.1B but estimated at
$602MM net of discounts – real investment
14

MARKET SHARE BY MEDIA
Newspapers have the highest investment at 39% of total “real media investment”
16
Newspapers
21%
Local TV
43%
Radio
9%
Outdoor
5%
Paid TV
18%
Internet
1%
Others
1%
Magazines
2%
Cinema
0%
2013 - Rate Card
Newspapers Local TV Radio Outdoor Paid TV
Internet Others Magazines Cinema
Newspapers
39%
Local TV
28%
Radio
11%
Outdoor
6%
Paid TV
6%
Internet
4% Others
2%Magazines
2%
Cinema
2%
2013 - Real Investment
Newspapers Local TV Radio Outdoor Paid TV
Internet Others Magazines Cinema
Nielsen Adynamics – Jan – Dec. Real investment calculation by GFR Media

Advertising Market in Puerto Rico – Real investment
Newspapers and local TV represent 67% of $602MM total investment.
Investment in newspapers grew 3%
17
236
171
69
37 36
21
14 11 10
230
176
75
27
37
17 17
10 8
-
50
100
150
200
250
Newspapers Local TV Radio Outdoor Paid TV Internet Others Magazines Cinema
Millions
2013 Real investment 2012 real investment
Nielsen Adynamics – Jan – Dec. Real investment calculations by GFR Media

Business & Consumer
Services, 22%
Retail, 15%
Entertainment &
Amusements, 13%
Publishing & Media,
12%
Other Categories, 9%
Auto.,auto.access &
Equip, 9%
Drugs & Remedies,
6%
Toiletries &
Cosmetics, 4%
Tv Networks/stations,
4%
Insurance & Real
Estate, 3%
Foods & Food
Products, 2%
2013 – REAL INVESTMENT
Top 10 Categories. Share of Investment (SOI)
Business &
Consumer
Services, 21%
Entertainment &
Amusements,
15%
Retail, 12%Publishing &
Media, 9%
Auto.,auto.acces
s & Equip, 9%
Drugs &
Remedies, 7%
Tv
Networks/statio
ns, 6%
Toiletries &
Cosmetics, 5%
Foods & Food
Products, 3%
Insurance & Real
Estate, 3%
Others
Categories , 10%
2013 – RATE CARD
Retail category is the 2nd largest category in terms of advertising expenditure at 15% of
total real Media investment
18Nielsen Adynamics – Jan – Dec. Real investment calculations by GFR Media

Business & Consumer
From the advertising perspective.
19

Business & Consumer IN PR 2013
The Business & consumer products category spends $124.9MM in
advertising a year
20
Nielsen Adynamics – Jan – Dec 2013. Real investment calculations by GFR Media
Rate Card
$446 millions
Real Investment
$124.9 millions

Business & Consumer Services Category
Newspapers are the prefered media investment (44%) of the category.
21
Local TV,
44%
Newspaper
, 24%
Paid TV,
14%
Radio, 11%
Outdoor,
7%
Magazines,
1%
RATE CARD 2013
Newspaper
, 44%
Local TV,
29%
Radio, 13%
Outdoor,
9%
Paid TV, 5%
Magazines,
1%
REAL INVESTMENT -2013

Real advertising investment of the category is $124.9MM a year.
Even though advertising investment decreased by 21%, Newspapers investment decreased
2%
22Nielsen Adynamics – Jan – Dec 2013. Real investment calculations by GFR Media
Business & Consumer Services Category
54.9
35.8
16.7
10.7
5.7
0.9
55.9
45.2
19.9
8.5 8.8
0.9
Newspaper Local TV Radio Outdoor Paid TV Magazines
2013 2012

Business & Consumer Services - Sub Categories
Financial is the second subcategory that spends advertising with 20% of the total real investment.
23
Business & Consumer
Services : $124.9 MM
Financial : $24.4 MM
Credit Cards & Travelers
Checks : 759 K
Communications &
Public Utilities, 33%
Financial, 20%
Government Local
And Us, 15%
Organizations (Not
Elsewhere Classifed),
13%
Schools & Camps,
13%
Engineering &
Professional
Services, 6%
Credit Cards &
Travelers Checks,
1% Corporate (Not
Elsewhere
Classified), 0%

Financial IN PR 2013
The Financial services category spends $24.4MM in advertising a
year
24
Rate Card
$90.1 millions
Real Investment
$24.4 millions

10.4
8.1
3.0
1.5
1.1
0.5
11.3
7.3
2.8
1.2
1.5
0.9
0.0
2.0
4.0
6.0
8.0
10.0
12.0
Newspaper Local TV Radio Outdoor Paid TV Magazines
Financial 2013 Financial 2012
Financial Category
Real advertising investment of the category is $24.4MM a year.
Even though advertising investment remains the same, Newspapers investment decreased 11 %

Financial Investment
26
TOP 6 players represent 60% of Financial total investment.
3,037,414
2,720,428
2,619,369
2,434,867
2,072,040
1,844,618
296,649
First Bank Doral Oriental Cooperativas De Pr Banco Popular Scotiabank Santander

TOP financial media investment
Newspapers and local TV are the preferred media to invest.
27
TOP Players investment: $14.5MM
Top players investment in newspapers $7.2 MM
Top players investment in TV $3.8MM
16% 19%
27% 25%
45%
0%
24%
4%
3%
15%
6%
4%
0%
2%
45%
49%
52%
58%
42%
58%
56%
18%
27%
2%
7% 5%
0%
8%
1%
0% 0% 0% 1%
0%
0%
16%
2% 3% 4% 4%
42%
10%
Banco Popular Cooperativas De Pr First Bank Scotiabank Doral Santander Oriental
Local TV Paid TV Newspaper Radio Magazines Outdoor

Credit Cards IN PR 2013
The Credit Cards services category spends $759k in advertising a
year
28
Rate Card
$2.7 millions
Real Investment
$759 K

Credit Cards Category
Real advertising investment of the category is $759K a year.
Even though advertising investment decreased by 20%, Newspapers investment decreased 9%
310,128
200,376
95,376
74,828
50,738
27,574
339,392
265,364
163,449
51,553
29,235
96,246
Newspaper Local TV Radio Outdoor Magazines Paid TV
Credit Cards & Travelers Checks 2013 Credit Cards & Travelers Checks 2012

Credit Cards Investment
30
TOP 3 players represent 74% of Credit Cards total investment.
273,931
31,267
48,356
Visa Master Card American Express

TOP Credit Cards media investment
Newspapers and local TV are the preferred media to invest.
31
TOP Players investment: $353K
Top players investment in newspapers $161K
Top players investment in TV $93K
33%
13%
0%
0%
26%
0%
38%
43%
94%
10%
7%
0%
13% 0%
6%7%
12%
0%
Visa Master Card American Express
Local TV Paid TV Newspaper Radio Magazines Outdoor

Puerto Rico Market
Audiences Overview
32

Media Consumption:
7.4%
17.1%
17.8%
24.1%
27.1%
49.6%
59.1%
79.3%
80.8%
91.2%
96.5%
0.0% 20.0% 40.0% 60.0% 80.0% 100.0% 120.0%
INTERNET WEBSITE- ANY RADIO STATION-PAST 7 DAYS
INTERNET WEBSITE- ANY BROADCAST TV- PAST 7 DAYS
MOVIE THEATER-PAST 30 DAYS
MAGAZINE( MONTHY/WEEKLY/BI-WEEKLY)-READ ANY IN THE PAST 7 DAYS
INTERNET WEBSITE-ANY NEWSPAPER- PAST 7 DAYS
WATCHED PAID TV- PAST 7 DAYS
INTERNET-ACCESSED PAST 7 DAYS
Newspaper Cume anydailyaverage sat aver sun
Outdoor Billboards seen past 7 days
RADIO- LISTENED IN THE PAST 7 DAYS
WATCHED LOCAL TV-PAST 7 DAYS
Scarborough – PR Study – 2014 - 1
Newspapers have a 79% penetration in Puerto Rico
33

61%
79%
USA Puerto Rico
ReaderShip
USA Puerto Rico
Scarborough – PR Study – 2014 – 1
USA. Newspapers Association of America. Past week newspaper print
Media Consumption
• Newspaper (Print) penetration in Puerto Rico is higher than USA by 30%.
34

94%
GFR MEDIA MARKET SHARE
GFR Media
2.1 Million readers
Newspapers Market Share:
With GFR Media Newspapers, advertisers reach 2.1 million readers,
which accounts for 94% of the total readers (18+) in Puerto Rico.
35

Monday to Friday readership:
2,166,882
1,489,354
1,306,634
839,676
482,508
405,074
Any daily newspaper
print edition
El Nuevo Día Primera Hora El Vocero Índice Metro
Monday to Friday
Scarborough – PR Study – 2014 – 1. Cume readers
M-F audiences are reached with GFR Media Newspapers.
36

Weekend readership:
98% of weekend audiences are reached by GFR Media Newspapers.
1,011,916
994,200
Any Sunday newspaper print edition El Nuevo Día
Sunday Readership
984,038
691,836
525,896
Any Saturday newspaper print edition
(Current Release Only)
El Nuevo Dia Primera Hora
Saturday Readership
37

Source: ScarBorough, Release 1 & 2 2013 and 1 2014
2,167
1,489
1,307
840
405
483
0
500
1,000
1,500
2,000
2,500
2013-1 2013-2 2014-1
Thousands
Cume Readership - Monday to Friday
Any daily newspaper print edition El Nuevo Día Primera Hora El Vocero Metro Índice
Newspapers Cume Readers Trends
El Nuevo Dia leads newspapers readership
38

1,489,354
69% of the market
El Nuevo Día (END)
Source: Scarborough 2014 -1 Cume Readers People 18+

1,489,354
readers of
• 53% are women
• 53% are 25-54
years old
• 53% have a Any
College Degree or
more (index: 110)
• Bilingual (index: 108)
• “white-collar” (index:
110)
El Nuevo Día Leadership

677,528
Readers do not read
El Nuevo Día
How to reach END Non-readers?

446,166
66% of no readers of
END are readers of
Primera Hora captures the most END Non-Readers

446,166
PH Readers, but
END Non-Readers
• 52% are women (index: 101)
• 57% are 25-54 years
old (index: 105)
• They have an education
level of high school or
less (index: 104)
• Have difficulties with
english (index: 106)
• “Blue-collar” (index: 112)
Primera Hora (PH)

reach together an
impressive majority of
readers*
89%
Reach
&
Source: Scarborough 2014 -1 Cume Readers
People 18+
The Most Effective Combination

Source: Comscore
GFR Media Digital Audiences:
+29%
Jan-2013 Jan-2014
4.9 MM
+6.3 MM
GFR Media unique browsers are growing steadily at a 29% rate YOY
4.6 MM+21%
3.8 MM
372K+1134%
25K
2.3 MM
+35% 3.1 MM
45

Financial
From the audience perspective.
46

Media used for shopping and buying
decision process.
47

Primary Banks Users consider Weekly Shopper, Newspapers and Internet
as the media used for their shopping and buying decisions process
59.3%
44.7%
33.5% 33.4%
21.3% 20.3% 19.5%
9.3%
6.1%
3.2%
Weekly
shoppers
Newspaper Internet Local TV Cable or
satellite TV
Radio Promotions or
visual displays
within stores
Magazines Outdoor
media
(billboards,
etc.)
Movie theater
Any Primary Bank Users
Scarborough 2014 -1
Base: 2,172,728 Any primary bank user
645,452 None Bank users

None Banks Users consider Weekly Shopper, Newspapers as the media used
for their shopping and buying decisions process
58.0%
48.3%
38.5%
27.1%
24.1%
21.0%
18.3% 18.2%
10.8%
2.5%
Weekly
shoppers
Newspaper Local TV Internet Radio Promotions or
visual displays
within stores
Cable or
satellite TV
Magazines Outdoor
media
(billboards,
etc.)
Movie theater
Scarborough 2014 -1

Banco Popular Banks Users consider Weekly Shopper, Newspapers
and Internet as the media used for their shopping and buying decisions process
61.9%
46.8%
37.8% 36.9%
20.9% 20.7% 20.1%
9.8%
7.3%
3.4%
Weekly
shoppers
satellite TV
Radio Promotions or
visual displays
within stores
Magazines Outdoor media
(billboards, etc.)
Movie theater
Scarborough 2014 -1
1,244,730 BPPR users

Banco Santander Banks Users consider Weekly Shopper, Newspapers
and Internet as the media used for their shopping and buying decisions process
50.3%
45.2%
39.7%
31.5%
26.3%
22.3%
17.0%
5.0% 4.6%
0.0%
Weekly
shoppers
Newspaper Internet Cable or
satellite TV
Radio Promotions or
visual displays
within stores
Local TV Magazines Movie theater Outdoor media
(billboards, etc.)
Scarborough 2014 -1
92,330 Banco Santanderusers

Cooperative Credit Union Usersconsider Weekly Shopper,
Newspapers and Internet as the media used for their shopping and buying decisions
process
57.2%
42.4%
34.0%
21.2% 20.6%
16.5% 15.4%
8.7%
4.1% 3.3%
Weekly
shoppers
Newspaper Local TV ) Radio Cable or
satellite TV
Internet Promotions or
visual displays
within stores
(billboards, etc.)
Movie theater
Scarborough 2014 -1
348,456 Cooperative Credit Union Service

Doral Banks users consider Weekly Shopper, Internet and Newspapers as
the media used for their shopping and buying decisions process
52.9%
31.0%
29.7%
25.9%
12.7% 12.3% 12.2%
8.5%
7.0%
2.3%
Weekly
shoppers
Internet Newspaper Local TV Radio Promotions or
visual displays
within stores
Cable or
satellite TV
Outdoor
media
(billboards,
etc.)
Magazines Movie theater
Scarborough 2014 -1
127,130 Doral Bank rusers

First Bank Users consider Weekly Shopper, Newspapers and Internet as the
media used for their shopping and buying decisions process
56.5%
40.6%
34.7%
31.9%
26.2% 26.0%
20.2%
9.8%
4.9%
2.9%
Weekly
shoppers
Newspaper Internet Local TV Radio Cable or
satellite TV
Promotions or
visual displays
within stores
Magazines Movie theater Outdoor media
(billboards, etc.)
Scarborough 2014 -1
154,932 FirstBank rusers

Oriental Group Users consider Weekly Shopper, Internet and Newspapers
as the media used for their shopping and buying decisions process
50.9%
42.9%
38.1%
19.5%
15.5%
13.2%
11.7%
10.0%
3.3%
0.0%
Weekly
shoppers
Internet Newspaper Cable or
satellite TV
Local TV Promotions or
visual displays
within stores
Magazines Radio Outdoor
media
(billboards,
etc.)
Movie theater
Scarborough 2014 -1
40,604 OrientalGroup rusers

Scotiabank Banks users consider Weekly Shopper, Newspapers and
Internet as the media used for their shopping and buying decisions process
61.4%
49.2%
30.6% 29.7%
26.8%
21.7%
17.1%
9.0% 8.3%
0.0%
Weekly
shoppers
Newspaper Internet Promotions or
visual displays
within stores
Local TV Cable or
satellite TV
Radio Magazines Outdoor media
(billboards, etc.)
Movie theater
Scarborough 2014 -1
136,394 Scotiabank rusers

Any Credit Cards consider Weekly Shopper, Newspapers and Internet as the
media used for their shopping and buying decisions process
60.8%
49.9%
39.5%
34.5%
28.5%
23.3%
21.8%
12.9%
5.9%
3.6%
Weekly
shoppers
satellite TV
Radio Promotions or
visual displays
within stores
(billboards, etc.)
Movie theater
Scarborough 2014 -1
Base: 1,384,382 Any credit cards users
1,433,798 None credit cards user

None used credit cards consider Weekly Shopper, and Newspapers as
the media used for their shopping and buying decisions process
57.3%
41.3%
34.7%
24.8%
19.1%
17.9%
13.0%
9.9%
8.5%
2.5%
Weekly
shoppers
Newspaper Local TV Internet Radio Promotions or
visual displays
within stores
Cable or
satellite TV
(billboards, etc.)
Movie theater
Scarborough 2014 -1

Financial category consumption by
newspaper
59

Banking Market
Scarborough 2014 -1
Primary Banks uses,
77.1%
None Banks uses ,
22.9%

Market Share
Banco Popular, 57.3%
Cooperative Credit Union,
16.0%
FirstBank, 7.1%
Scotiabank, 6.3%
Doral Bank, 5.9%
Banco Santander, 4.2%
Oriental Group, 1.9%
Other bank in Puerto Rico,
0.8%
Citibank, 0.3%
Other bank outside Puerto
Rico, 0.2%
Scarborough 2014 -1
Base: 2,172,728 Any primary bank users
Average Readers - Mon – FR

Bank users and non users
Base Total
END
Average
Reader
PH
Average
Reader
Índice
Average
Reader
EV
Average
Reader
Metro
Average
Reader
Primary Banks uses 2,172,728 34.8% 27.2% 8.9% 15.1% 6.6%
None Uses primary bank 645,452 26.4% 25.7% 6.9% 14.3% 6.7%
Scarborough 2014 -1
El Nuevo Día and Primera Hora are more effective newspapers in reaching Bank user and non user.

Primary Banks
Banks uses as primary bank
Base Total
END
Average
Reader
PH
Average
Reader
Indice
Average
Reader
EV
Average
Reader
Metro
Average
Reader
Banco Popular 1,244,730 33.5% 25.6% 7.5% 16.3% 6.9%
Cooperative Credit Union 348,456 35.8% 31.2% 7.1% 13.2% 3.5%
FirstBank 154,932 37.1% 36.3% 10.5% 16.5% 6.1%
Scotiabank 136,394 29.1% 21.1% 13.2% 10.2% 7.7%
Doral Bank 127,130 40.3% 30.5% 20.4% 13.6% 15.0%
Banco Santander 92,330 35.6% 21.6% 13.6% 12.0% 5.5%
Oriental Group 40,604 41.9% 28.0% 7.6% 13.9% 1.1%
Other bank in Puerto Rico 16,456 58.3% 36.5% 0.0% 11.7% 0.0%
Citibank 7,398 51.1% 42.1% 0.0% 21.6% 0.0%
Other bank outside Puerto Rico 4,298 37.7% 10.6% 0.0% 37.1% 9.3%
El Nuevo Día and Primera Hora are more effective newspapers in reaching Bank user.
Scarborough 2014 -1

Financial Services
Financial services has/use Market
END
Average
Reader
PH
Average
Reader
Indice
Average
Reader
EV
Average
Reader
Metro
Average
Reader
Savings account 1,375,728 36.7% 25.9% 9.3% 14.2% 7.1%
Checking account 1,161,008 38.5% 26.6% 11.3% 13.9% 8.4%
Debit card 985,026 38.1% 27.3% 11.3% 13.7% 8.1%
ATM card 950,498 37.7% 26.6% 10.8% 13.8% 7.5%
Home mortgage 481,904 39.0% 26.7% 11.7% 16.4% 9.7%
Online bill paying 422,102 42.7% 24.0% 12.4% 13.6% 10.6%
Online banking 389,756 40.6% 23.5% 13.7% 14.7% 13.1%
Auto loan 386,748 42.0% 29.0% 11.4% 15.9% 8.2%
Personal loan 384,840 39.9% 32.1% 8.6% 14.3% 6.8%
Home improvement loan 115,316 38.7% 24.0% 11.4% 13.0% 5.2%
Certificates of Deposit (CDs) 107,922 34.1% 18.4% 9.9% 15.3% 6.5%
IRA (Individual Retirement Account) 104,438 47.1% 19.7% 12.1% 19.0% 7.8%
Money market account 100,438 45.9% 15.0% 8.6% 9.8% 3.8%
401k plan 98,926 43.3% 20.3% 11.3% 16.8% 10.1%
Refinance home mortgage 67,674 26.1% 18.4% 10.0% 9.7% 5.1%
Home equity loan 39,188 18.0% 16.9% 7.0% 13.6% 1.5%
529 plan/college savings plan 8,220 37.0% 3.9% 0.0% 20.9% 0.0%
Scarborough 2014 -1
El Nuevo Día and Primera Hora are more effective newspapers in reaching Financial services users

Investments
Investments household has
Market
END
Average
Reader
PH
Average
Reader
Indice
Average
Reader
EV
Average
Reader
Metro
Average
Reader
None 1,524,236 32.0% 26.2% 9.1% 14.8% 6.7%
Any investment 648,492 41.3% 29.6% 8.4% 15.6% 6.3%
Stocks or stock options 371,534 41.2% 28.1% 9.7% 14.3% 5.7%
Second home or real estate property 242,556 43.5% 30.1% 6.8% 12.4% 5.6%
Other security or investment 78,208 43.1% 27.7% 8.1% 22.1% 9.0%
Mutual funds 71,388 54.1% 28.2% 7.1% 16.2% 7.3%
Bonds 61,628 45.0% 24.4% 11.9% 23.9% 9.7%
Money market funds 48,240 51.7% 19.7% 3.1% 11.3% 3.1%
Scarborough 2014 -1
El Nuevo Día and Primera Hora are more effective newspapers in reaching household investment users

66
El Nuevo Dia and Primera Hora are the most effective
newspapers at reaching upper socieconomical
Segment: 35 +, high socioeconomic level
51.8%
28.8%
15.9%
19.3%
14.7%
El Nuevo Dia Average Reader Primera Hora Average Reader Indice Average Reader El Vocero Average Reader Metro Average Metro

Credit Cards category consumption
by newspaper
67

Credit Card Market
Any credit card, 49.1%
None, 50.9%
Scarborough 2014 -1

Credit Card Market
Scarborough 2014 -1
VISA, 50.1%
MasterCard, 29.8%
Sam's Club, 22.4%
Sears, 20.3%
JCPenney, 16.1%
Other major credit card,
14.0%
Walmart, 12.8%
Costco, 7.6%
Other American Express,
7.2%
American Express Green,
6.3%
Discover, 5.9%
Macy's, 5.3%
Gasoline credit card, 1.9%
Amigo, 0.9%
Diners Club, 0.0%

Credit cards users and non users
Credit cards used
past 3 months
Market
END
Average
Reader
PH
Average
Reader
Índice
Average
Reader
EV
Average
Reader
Metro
Average
Reader
Any credit card 1,384,382 37.3% 27.9% 9.4% 15.5% 6.8%
None 1,433,798 28.6% 25.9% 7.5% 14.3% 6.4%
Scarborough 2014 -1
645,452 None credit cards user
El Nuevo Día and Primera Hora are more effective newspapers in reaching Credit Card user and non user.

Credit Cards
Market
END Average
Reader
PH Average
Reader
Índice
Average
Reader
EV Average
Reader
Metro
Average
Reader
Any credit card 1,384,382 37.3% 27.9% 9.4% 15.5% 6.8%
VISA 694,000 40.0% 29.8% 10.7% 16.3% 8.3%
MasterCard 412,914 39.0% 27.0% 12.3% 15.2% 8.8%
Sam's Club 309,836 34.8% 27.0% 7.0% 14.9% 4.0%
Sears 280,400 41.2% 27.1% 7.6% 15.9% 4.0%
JCPenney 222,758 40.7% 30.6% 10.3% 15.9% 5.3%
Other major credit card 194,086 36.5% 32.7% 7.5% 12.0% 3.8%
Walmart 177,308 46.9% 36.8% 11.9% 15.2% 4.6%
Costco 105,638 44.5% 22.0% 13.8% 16.1% 10.3%
Other American Express 99,936 37.5% 23.5% 13.6% 11.6% 6.6%
American Express Green 87,452 38.9% 24.8% 12.3% 17.2% 12.0%
Discover 81,246 36.6% 20.6% 15.7% 10.0% 10.3%
Macy's 73,932 42.7% 21.1% 12.6% 12.5% 8.2%
Gasoline credit card 25,892 17.9% 24.5% 7.2% 5.1% 7.1%
Amigo 12,810 26.9% 47.9% 0.0% 14.4% 0.0%
El Nuevo Día and Primera Hora are more effective newspapers in reaching Any credit card user
Scarborough 2014 -1

Market GFR average
Univision
Average
Wapa TV -
average
Telemundo
average
Any credit Cards 1,384,382 54.7% 24.4% 38.0% 36.3%
VISA 694,000 57.3% 23.2% 36.2% 33.3%
MasterCard 412,914 56.6% 25.4% 39.9% 37.3%
Sam's Club 309,836 50.1% 27.9% 41.3% 39.9%
Sears 280,400 58.2% 26.3% 41.1% 37.7%
JCPenney 222,758 60.0% 28.3% 42.0% 36.7%
Other major credit card 194,086 55.8% 26.1% 39.8% 43.7%
Walmart 177,308 67.3% 21.6% 37.4% 31.3%
Costco 105,638 61.4% 27.3% 31.6% 38.5%
Other American Express 99,936 57.1% 28.8% 36.3% 42.5%
American Express Green 87,452 55.2% 26.9% 32.1% 34.0%
Discover 81,246 48.8% 29.1% 40.5% 36.6%
Macy's 73,932 58.7% 28.8% 40.1% 35.4%
Gasoline credit card 25,892 44.3% 32.4% 30.8% 26.1%
Amigo 12,810 47.9% 8.3% 39.0% 45.9%
Credit Cards
GFR Media is more effective newspapers in reaching Any credit card user
Scarborough 2014 -1

Factor for choosing a new credit card
Important factors when choosing a new credit card
Acceptance in establishments 54.0%
Interest rate 51.1%
No annual fee 49.3%
Payment convenience 42.6%
Bank offered and/or provided card 39.2%
Rewards program (points, awards, etc.) 32.7%
Previous experience 21.0%
Special offers 19.8%
Recommendations 13.0%
Affiliated charitable activity 11.6%
Advertising 9.7%
Scarborough 2014 -1

Media Usage
buying decision-making process
74

Shoppers & Catalogs
Source: Nielsen Adynamics – Jan – Dec.
60%
25%
14%
1%
0%
10%
20%
30%
40%
50%
60%
70%
El Nuevo Día Primera Hora Vocero Índice
# of Inserts 2013

END Readers’ Profile vs
Any primary bank users profile
Scarborough 2014 -1
Base: 2,172,728, Any Primary Bank user
1,489,354 END Cume Readers - Mon – FR
El Nuevo Dia:
High penetration
in well educated, San Juan
region, upper
socioeconomic level and
income more than 25K
76
Any primary Bank
El Nuevo Día Cume
Readers
El Nuevo Día Cume
Readers
Gender
Men 46.8% 47.0% 100
Women 53.2% 53.0% 100
Age
Age 18-24 13.6% 15.2% 112
Age 25 - 34 16.9% 18.9% 113
Age 35-49 26.6% 25.4% 101
Age 50-64 23.3% 22.7% 92
Age 65 or More 19.6% 17.8% 89
Education
High School Graduate or Less 48.7% 45.1% 85
Some or Collage Degree 41.3% 43.9% 115
Some or Post graduate degree 9.9% 11.1% 125
Region
Arecibo Region 9.9% 10.9% 101
Caguas Region 14.9% 14.2% 96
Mayagüez Region 14.9% 12.9% 89
Ponce Region 13.2% 12.7% 97
San Juan Metro Region 29.0% 30.7% 107
San Juan Sub Region 17.8% 18.1% 101
NSE
Upper class 12.7% 13.8% 128
Upper/middle class 21.8% 23.1% 120
Middle/lower class 31.6% 31.6% 103
Lower class 33.9% 31.5% 80
Income
Less than $10,000 19.0% 17.7% 83
$10,000 - $24,999 30.0% 29.7% 98
$25,000 - $34,999 18.7% 19.2% 105
$35,000 - $44,999 15.1% 16.0% 107
$45,000 - $74,999 12.3% 11.9% 112
$75,000 or more 5.0% 5.5% 127

PH Readers’ Profile vs
Scarborough 2014 -1
Base 2,172,728, Any Primary Bank user
1,306,634 PH Cume Readers - Mon – FR
Primera Hora:
High penetration
in 25-49 , well educated and
from Caguas, Mayaguez and
Ponce region
77
Any primary Bank Primera Hora
Cume Readers
Primera Hora Cume
Readers
Gender
Men 46.8% 47.3% 101
Women 53.2% 52.7% 99
Age
Age 18-24 13.6% 13.4% 99
Age 25 - 34 16.9% 20.5% 123
Age 35-49 26.6% 29.1% 116
Age 50-64 23.3% 23.1% 93
Age 65 or More 19.6% 13.9% 70
Education
Region
Ponce Region 13.2% 15.5% 118
NSE
Upper class 12.7% 10.4% 96
Lower class 33.9% 39.7% 101
Income
Less than $10,000 19.0% 22.7% 106
$10,000 - $24,999 30.0% 30.7% 101
$25,000 - $34,999 18.7% 19.3% 106
$35,000 - $44,999 15.1% 13.7% 91
$45,000 - $74,999 12.3% 10.0% 94
$75,000 or more 5.0% 3.7% 85

Indice Readers’ Profile vs
Scarborough 2014 -1
Base Base 2,172,728, Any Primary Bank user
482,508 Indice Cume Readers - Mon – FR
Indice:
High penetration
in women, well educated
and upper socioeconomic
level
78
Any primary Bank
Índice Cume
Readers
Índice Cume Readers
Gender
Men 46.8% 45.0% 96
Women 53.2% 55.0% 104
Age
Age 18-24 13.6% 17.1% 126
Age 25 - 34 16.9% 19.9% 119
Age 35-49 26.6% 29.7% 118
Age 50-64 23.3% 21.7% 88
Age 65 or More 19.6% 11.6% 58
Education
Region
NSE
Upper class 12.7% 15.8% 146
Lower class 33.9% 28.9% 74
Income
Less than $10,000 19.0% 14.1% 66
$10,000 - $24,999 30.0% 33.0% 109
$25,000 - $34,999 18.7% 20.3% 111
$35,000 - $44,999 15.1% 16.8% 112
$45,000 - $74,999 12.3% 9.7% 91
$75,000 or more 5.0% 6.1% 142

No Bank Users Profile
Scarborough 2014 -1
Base: 645,452 No Banks users
1,489,354 END Cume Readers - Mon – FR
El Nuevo Dia:
High penetration
in 18-34
79
No Primary Banks Users El Nuevo Día Cume Readers El Nuevo Día Cume Readers
Gender
Men 47.8% 47.0% 100
Women 52.2% 53.0% 100
Age
Age 18-24 13.0% 15.2% 112
Age 25 - 34 16.3% 18.9% 113
Age 35-49 20.0% 25.4% 101
Age 50-64 29.7% 22.7% 92
Age 65 or More 21.1% 17.8% 89
Education
Region
NSE
Upper class 4.7% 13.8% 128
Lower class 56.6% 31.5% 80
Income
Less than $10,000 29.5% 17.7% 83
$10,000 - $24,999 32.0% 29.7% 98
$25,000 - $34,999 16.9% 19.2% 105
$35,000 - $44,999 14.5% 16.0% 107
$45,000 - $74,999 5.0% 11.9% 112
$75,000 or more 2.2% 5.5% 127

Scarborough 2014 -1
Base : 645,452 No Banks users
Primera Hora:
High penetration
in Men, lower income and
lower socioeconomic level
80
No Primary Banks Users
Primera Hora Cume
Readers
Primera Hora Cume Readers
Gender
Men 47.8% 47.3% 101
Women 52.2% 52.7% 99
Age
Age 18-24 13.0% 13.4% 99
Age 25 - 34 16.3% 20.5% 123
Age 35-49 20.0% 29.1% 116
Age 50-64 29.7% 23.1% 93
Age 65 or More 21.1% 13.9% 70
Education
Region
Ponce Region 13.1% 15.5% 118
NSE
Upper class 4.7% 10.4% 96
Lower class 56.6% 39.7% 101
Income
Less than $10,000 29.5% 22.7% 106
$10,000 - $24,999 32.0% 30.7% 101
$25,000 - $34,999 16.9% 19.3% 106
$35,000 - $44,999 14.5% 13.7% 91
$45,000 - $74,999 5.0% 10.0% 94
$75,000 or more 2.2% 3.7% 85

Scarborough 2014 -1
Base 645,452 No Banks users
Indice:
High penetration
in middle income ($10k –
$35k )
81
No Primary Banks Users Índice Cume Readers Índice Cume Readers
Gender
Men 47.8% 45.0% 96
Women 52.2% 55.0% 104
Age
Age 18-24 13.0% 17.1% 126
Age 25 - 34 16.3% 19.9% 119
Age 35-49 20.0% 29.7% 118
Age 50-64 29.7% 21.7% 88
Age 65 or More 21.1% 11.6% 58
Education
Region
NSE
Upper class 4.7% 15.8% 146
Lower class 56.6% 28.9% 74
Income
Less than $10,000 29.5% 14.1% 66
$10,000 - $24,999 32.0% 33.0% 109
$25,000 - $34,999 16.9% 20.3% 111
$35,000 - $44,999 14.5% 16.8% 112
$45,000 - $74,999 5.0% 9.7% 91
$75,000 or more 2.2% 6.1% 142

Any Credit Card users profile
Scarborough 2014 -1
Base: : 1,384,382 Any credit cards users 1,489,354 END Cume Readers - Mon – FR
El Nuevo Dia:
High penetration
in well educated,, upper
socioeconomic level and
income more than 25K
82
Any Credit cards used
El Nuevo Día Cume
Readers
El Nuevo Día Cume Readers
Gender
Men 52.1% 47.0% 100
Women 47.9% 53.0% 100
Age
Age 18-24 9.9% 15.2% 112
Age 25 - 34 14.5% 18.9% 113
Age 35-49 26.9% 25.4% 101
Age 50-64 27.0% 22.7% 92
Age 65 or More 21.7% 17.8% 89
Education
Region
NSE
Upper class 17.3% 13.8% 128
Lower class 26.7% 31.5% 80
Income
Less than $10,000 13.6% 17.7% 83
$10,000 - $24,999 27.6% 29.7% 98
$25,000 - $34,999 19.5% 19.2% 105
$35,000 - $44,999 17.8% 16.0% 107
$45,000 - $74,999 14.7% 11.9% 112
$75,000 or more 6.9% 5.5% 127

Scarborough 2014 -1
Base : 1,384,382 Any credit cards users
Primera Hora:
High penetration
in men, 25-49 and well
educated
83
Primera Hora Cume
Readers
Primera Hora
Cume Readers
Gender
Men 52.1% 47.3% 101
Women 47.9% 52.7% 99
Age
Age 18-24 9.9% 13.4% 99
Age 25 - 34 14.5% 20.5% 123
Age 35-49 26.9% 29.1% 116
Age 50-64 27.0% 23.1% 93
Age 65 or More 21.7% 13.9% 70
Education
Region
Ponce Region 11.9% 15.5% 118
NSE
Upper class 17.3% 10.4% 96
Lower class 26.7% 39.7% 101
Income
Less than $10,000 13.6% 22.7% 106
$10,000 - $24,999 27.6% 30.7% 101
$25,000 - $34,999 19.5% 19.3% 106
$35,000 - $44,999 17.8% 13.7% 91
$45,000 - $74,999 14.7% 10.0% 94
$75,000 or more 6.9% 3.7% 85

Scarborough 2014 -1
Base Base : 1,384,382 Any credit cards users 482,508 Indice Cume Readers - Mon – FR
Indice:
High penetration
well educated and upper
socioeconomic level
84
Any Credit cards
used
Índice Cume
Readers
Índice Cume
Readers
Target % Index Target % Index
Base Total 100.0% 100 100.0% 100
Gender
Men 52.1% 111 45.0% 96
Women 47.9% 90 55.0% 104
Age
Age 18-24 9.9% 73 17.1% 126
Age 25 - 34 14.5% 87 19.9% 119
Age 35-49 26.9% 107 29.7% 118
Age 50-64 27.0% 109 21.7% 88
Age 65 or More 21.7% 109 11.6% 58
Education
High School Graduate or Less 44.0% 83 41.7% 79
Some or Collage Degree 42.4% 111 45.1% 118
Some or Post graduate degree 13.6% 153 13.2% 149
Region
Arecibo Region 11.0% 102 6.3% 58
Caguas Region 13.2% 90 13.0% 88
Mayagüez Region 14.2% 97 12.5% 85
Ponce Region 11.9% 90 8.0% 61
San Juan Metro Region 32.2% 113 48.0% 168
San Juan Sub Region 17.3% 97 12.3% 69
NSE
Upper class 17.3% 159 15.8% 146
Upper/middle class 25.4% 132 21.9% 113
Middle/lower class 30.5% 99 33.4% 109
Lower class 26.7% 68 28.9% 74
Income
Less than $10,000 13.6% 64 14.1% 66
$10,000 - $24,999 27.6% 91 33.0% 109
$25,000 - $34,999 19.5% 107 20.3% 111
$35,000 - $44,999 17.8% 119 16.8% 112
$45,000 - $74,999 14.7% 138 9.7% 91
$75,000 or more 6.9% 159 6.1% 142

No Credit Cards Profile
Scarborough 2014 -1
Base 1,433,798 None credit cards user 1,489,354 END Cume Readers - Mon – FR
El Nuevo Dia:
High penetration
in 18-34
85
No Credit cards
used
No Credit cards
used
El Nuevo Día Cume
Readers
El Nuevo Día Cume
Readers
Gender
Men 42.1% 90 47.0% 100
Women 57.9% 109 53.0% 100
Age
Age 18-24 17.0% 126 15.2% 112
Age 25 - 34 18.9% 113 18.9% 113
Age 35-49 23.3% 93 25.4% 101
Age 50-64 22.6% 91 22.7% 92
Age 65 or More 18.2% 91 17.8% 89
Education
Region
Arecibo Region 10.7% 98 10.9% 101
Caguas Region 16.2% 110 14.2% 96
Ponce Region 14.4% 109 12.7% 97
NSE
Upper class 4.7% 43 13.8% 128
Lower class 51.1% 131 31.5% 80
Income
Less than $10,000 28.9% 135 17.7% 83
$10,000 - $24,999 33.2% 109 29.7% 98
$25,000 - $34,999 17.1% 94 19.2% 105
$35,000 - $44,999 12.3% 82 16.0% 107
$45,000 - $74,999 6.7% 63 11.9% 112
$75,000 or more 1.9% 43 5.5% 127

Scarborough 2014 -1
Base 1,433,798 None credit cards user
Primera Hora:
High penetration
in Men, lower income and
lower socioeconomic level
86
No Credit cards used
No Credit cards
used
Primera Hora
Cume Readers
Primera Hora
Cume Readers
Gender
Men 42.1% 90 47.3% 101
Women 57.9% 109 52.7% 99
Age
Age 18-24 17.0% 126 13.4% 99
Age 25 - 34 18.9% 113 20.5% 123
Age 35-49 23.3% 93 29.1% 116
Age 50-64 22.6% 91 23.1% 93
Age 65 or More 18.2% 91 13.9% 70
Education
Region
Arecibo Region 10.7% 98 10.1% 93
Caguas Region 16.2% 110 17.2% 117
Ponce Region 14.4% 109 15.5% 118
NSE
Upper class 4.7% 43 10.4% 96
Lower class 51.1% 131 39.7% 101
Income
Less than $10,000 28.9% 135 22.7% 106
$10,000 - $24,999 33.2% 109 30.7% 101
$25,000 - $34,999 17.1% 94 19.3% 106
$35,000 - $44,999 12.3% 82 13.7% 91
$45,000 - $74,999 6.7% 63 10.0% 94
$75,000 or more 1.9% 43 3.7% 85

Scarborough 2014 -1
Base 1,433,798 None credit cards user 482,508 Indice Cume Readers - Mon – FR
Indice:
High penetration
in middle income ($10k –
$35k )
87
No Credit cards used Índice Cume Readers Índice Cume Readers
Gender
Men 42.1% 45.0% 96
Women 57.9% 55.0% 104
Age
Age 18-24 17.0% 17.1% 126
Age 25 - 34 18.9% 19.9% 119
Age 35-49 23.3% 29.7% 118
Age 50-64 22.6% 21.7% 88
Age 65 or More 18.2% 11.6% 58
Education
Region
NSE
Upper class 4.7% 15.8% 146
Lower class 51.1% 28.9% 74
Income
Less than $10,000 28.9% 14.1% 66
$10,000 - $24,999 33.2% 33.0% 109
$25,000 - $34,999 17.1% 20.3% 111
$35,000 - $44,999 12.3% 16.8% 112
$45,000 - $74,999 6.7% 9.7% 91
$75,000 or more 1.9% 6.1% 142

Certified Circulation: Monday to Friday
EL Nuevo Dia is the leader in Circulation for all PAID newspapers and Indice for NON PAID newspapers.
Sources:
Alliance for audited media. Certfified Audit of Circulations
177,509
107,394
122,523
112,774
91,712
Paid Free
+70K SUROESTE
89

Certified Circulation: Saturday-Sunday
Sources:
Alliance for audited media. Certfified Audit of Circulations
177,979
92,163
SATURDAY
207,659
SUNDAY
GFR Media is the leader in Circulation on Saturdays and Sundays
90

Advanced Graphic Printing is the
largest commercial printing company
in Puerto Rico and the Caribbean.
We are dedicated to bring solutions to
our customers through 4 key
attributes.
Who we are…

•AGP is the largest and technologically advanced printing
company in Puerto Rico & the Caribbean
•Pre press system (VCC) provides color and imposition proofs
that will match your final printed product every time
•In press cameras, assure register and color accuracy
Printing Quality & Innovation

We operate 24 hours a day
Fast turnaround
AGP Online color approval
Island wide & Caribbean delivery
Speed

•AGP meets all your printing needs…
•3 Web Presses
•2 Sheetfed Presses
•Finishing equipment includes:
• 2 Folders, 3 Saddle-Stitchers, 1 Perfect Binder, die cutter
Flexibility

•Armed 24 hour security officers in all our
facilities
•Controlled access to the building, internal &
surrounding areas
•All employees have a Personal Employee
ID/Access card
•Proximity access is controlled according to
areas of responsibility
Security
All our production process is monitored
by CCTV System
CCTV monitoring facility is located at
GFR Media
It is monitored 24/7 by FRG Security
Only FRG Security has access to the
videos recorded by our cameras

Our Products
“Shoppers” / Circulars
Books & Magazines
Direct Mail material
Directories
Posters
Inserts
Catalogs
Press Kits
Calendars
…and many more

Some of our Valued Customers:

Benefits for You!
“One stop shopping” for all your commercial printing needs
State of the art technology that provides consistent quality, speed and
cost efficiencies
Security & Confidentiality
Personalized customer service
Flexibility to meet your special needs

Certified Minority Business
Enterprise
… or visit us at www.agppr.com
ADVANCED GRAPHIC PRINT,ING INC
Has met the requirements for certification as a bona fide Minority Business
Enterprise as defined by the National Minority Supplier Development Council,
Inc.® (NMSDC®) and as adopted by the
Puerto Rico Minority Supplier Development Council

Contact Information:
Suzette M. Jiménez
Sales & Marketing Director
suzette.jimenez@agppr.com
Phone (787) 641-5400, ext. 6019 or 6017
Fax (787) 641-4477
Mobile (787) 925-8088
www.agppr.com
Joel Acevedo
VP & General Manager
jacevedo@agppr.com
Phone (787) 641-5400, ext. 6020 or 6021
Fax (787) 641-4477
Mobile (787) 368-2813
www.agppr.com

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