FirstBank is Member FDIC.  ¹FirstBank Puerto Rico (including its affiliates) and Artis Lucerna (hereinafter referred to as “business”) are independent, separate, unaffiliated entities. References to the business, as well as to its logo and/or trademark, are solely for purposes of information and convenience to users. All trademarks and logos displayed remain the property of their respective owners. The references to the business and/or its trademark do not constitute any affiliation, endorsement, sponsorship, guaranty or recommendation by FirstBank Puerto Rico or its affiliates. By providing information about the business, FirstBank Puerto Rico makes no promises, representations or warranties whatsoever (whether express or implied), and is not responsible for any products and/or services that the business offers. The agreements between the business and its clients do not involve FirstBank Puerto Rico, and FirstBank Puerto Rico has no obligation or liability whatsoever in connection with any agreement, information, material, product and/or service between the business and its clients.