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

2

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

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 ReadershipPR is one of the countries with highest levels of readership in the world

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 Platforms

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

3,074,96In Puerto Rico

*Source: Junta Reglamentadora de Telecomunicaciones, February 2014**Includes Mobile Web and Native Applications. Source: Comscore and Flurry Analytics. March 2014

4,550,043Monthly Mobile Users

2,910,057 Monthly unique browsers**

1,398,644 Monthly unique browsers**

241,342 Monthly unique browsers**

13

Advertising Market Puerto Rico Overview

14

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

16DBMarketing-Analytics

MARKET SHARE BY MEDIANewspapers have the highest investment at 39% of total “real media investment”

Newspapers21%

Local TV43%

Radio9%

Outdoor5%

Paid TV17%

Internet1%

Others1%

Magazines2%

Cinema0%

2013 - Rate Card

Newspapers Local TV Radio Outdoor Paid TVInternet Others Magazines Cinema

Newspapers39%

Local TV28%

Radio11%

Outdoor6%

Paid TV6%

Internet3% Others

2%Magazines2%

Cinema2%

2013 - Real Investment

Newspapers Local TV Radio Outdoor Paid TVInternet Others Magazines Cinema

Nielsen Adynamics – Jan – Dec. Real investment calculation by GFR Media


Advertising Market in Puerto Rico – Real investmentNewspapers and local TV represent 67% of $602MM total investment.Investment in newspapers grew 3%

Newspapers Local TV Radio Outdoor Paid TV Internet Others Magazines Cinema -

50,000,000

100,000,000

150,000,000

200,000,000

250,000,000 235,782,442

170,530,401

68,978,309

36,582,783 36,040,017

21,000,000 13,600,000 10,768,324 9,600,000

229,668,727

176,041,922

74,742,120

27,424,667 36,553,437

17,300,000 17,000,000 10,282,990 8,000,000

2013 Real investment 2012 real investment



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 & Con-sumer Services; 21%

Entertainment & Amusements; 15%

Retail; 12%Publishing & Media; 9%

Auto.,auto.access & Equip; 9%

Drugs & Remedies; 7%

Tv Networks/sta-tions; 6%

Toiletries & Cosmet-ics; 5%

Foods & Food Products; 3%

Insurance & Real Es-tate; 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


19

Business & ConsumerFrom the advertising perspective.

20

Business & Consumer IN PR 2013

The Business & consumer products category spends $124.9MM in advertising a year

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.


Local TV; 44%

Newspaper; 24%

Paid TV; 14%

Radio; 11%

Outdoor; 7% Magazines; 1%

Rate Card 2013

News-paper;

44%

Local TV; 29%

Radio; 13%

Outdoor; 9%

Paid TV; 5%

Magazines; 1%

Real Investment -2013

22

Real advertising investment of the category is $124.9MM a year.Even though advertising investment decreased by 21%, Newspapers investment decreased 2%


Business & Consumer Services Category

Newspaper Local TV Radio Outdoor Paid TV Magazines

54.9

35.8

16.7

10.7

5.7

0.9

55.9

45.2

19.9

8.5 8.8

0.9

2013 2012


Business & Consumer Services - Sub Categories Financial is the second subcategory that spends advertising with 20% of the total real investment.

Business & Consumer Services : $124.9 MM

Financial : $24.4 MMCredit Cards & Travelers Checks : 759 K


Communications & Pub-lic 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%

24

Financial IN PR 2013

The Financial services category spends $24.4MM in advertising a year


Rate Card$90.1 millions

Real Investment

$24.4 millions

Newspaper Local TV Radio Outdoor Paid TV Magazines0.0

2.0

4.0

6.0

8.0

10.0

12.0

10.4

8.1

3.0

1.5 1.1

0.5

11.3

7.3

2.8

1.2 1.5

0.9

Financial 2013 Financial 2012

Financial CategoryReal advertising investment of the category is $24.4MM a year.Even though advertising investment remains the same, Newspapers investment decreased 11 %


26

Financial Investment


TOP 6 players represent 60% of Financial total investment.

First Bank Doral Oriental Cooperativas De Pr Banco Popular Scotiabank Santander

3,037,414

2,720,428 2,619,369

2,434,867

2,072,040

1,844,618

296,649

27

TOP financial media investmentNewspapers and local TV are the preferred media to invest. TOP Players investment:

$14.5MMTop players investment in newspapers $7.2 MMTop players investment in TV

$3.8MM


Banco Popular Cooperativas De Pr First Bank Scotiabank Doral Santander Oriental

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%

Local TV Paid TV Newspaper Radio Magazines Outdoor

28

Credit Cards IN PR 2013

The Credit Cards services category spends $759k in advertising a year


Rate Card$2.7 millions

Real Investment

$759 K

Credit Cards CategoryReal advertising investment of the category is $759K a year.Even though advertising investment decreased by 20%, Newspapers investment decreased 9%


Newspaper Local TV Radio Outdoor Magazines Paid TV

310,128

200,376

95,376

74,828

50,738

27,574

339,392

265,364

163,449

51,553

29,235

96,246

Credit Cards & Travelers Checks 2013 Credit Cards & Travelers Checks 2012

30

Credit Cards Investment


TOP 3 players represent 74% of Credit Cards total investment.

Visa Master Card American Express

273,931

31,267

48,356

31

TOP Credit Cards media investmentNewspapers and local TV are the preferred media to invest. TOP Players investment:

$353KTop players investment in newspapers $161KTop players investment in TV

$93K


Visa Master Card American Express

33%

13%

0%

0%

26%

0%

38%

43%

94%

10%

7%

0%

13% 0%

6%7%12%

0%

Local TV Paid TV Newspaper Radio Magazines Outdoor

32

Puerto Rico MarketAudiences Overview

33

Media Consumption:

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

0.0% 20.0% 40.0% 60.0% 80.0% 100.0% 120.0%

7.4%

17.1%

17.8%

24.1%

27.1%

49.6%

59.1%

79.3%

80.8%

91.2%

96.5%

Scarborough – PR Study – 2014 - 1

Newspapers have a 79% penetration in Puerto Rico

34

61%

79%

USA Puerto Rico

ReaderShip

USA Puerto Rico

Scarborough – PR Study – 2014 – 1USA. Newspapers Association of America. Past week newspaper print

Media Consumption

• Newspaper (Print) penetration in Puerto Rico is higher than USA by 30%.


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.


Monday to Friday readership:

2,166,882

1,489,3541,306,634

839,676

482,508 405,074

Any daily newspaperprint 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.


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

38Source: 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

Thou

sand

s

Cume Readership - Monday to Friday

Any daily newspaper print edition El Nuevo Día Primera Hora El Vocero Metro Índice

Newspapers Cume Readers TrendsEl Nuevo Dia leads newspapers readership

1,489,35469% of the market

El Nuevo Día (END)

Source: Scarborough 2014 -1 Cume Readers People 18+

1,489,354readers 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

677,528Readers 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

&


The Most Effective Combination

45Source: 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

46

FinancialFrom the audience perspective.

47

Media used for shopping and buying decision process.

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%

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

Weekly

shoppers

Newspap

er

Local

TV

Intern

etRad

io

Promotions o

r visu

al disp

lays w

ithin st

ores

Cable or s

atellit

e TV

Magazi

nes

Outdoor m

edia (billb

oards, e

tc.)

Movie th

eater

58.0%

48.3%

38.5%

27.1%24.1%

21.0%18.3% 18.2%

10.8%

2.5%


Banco Popular Banks Users consider Weekly Shopper, Newspapers and Internet as the media used for their shopping and buying decisions process

Weekly sh

oppers

Newspaper

Internet

Loca

l TV

Cable or satellit

e TV Radio

Promotions or v

isual d

isplays w

ithin st

ores

Magazines

Outdoor media (b

illboards,

etc.)

Movie theater

61.9%

46.8%

37.8% 36.9%

20.9% 20.7% 20.1%

9.8%7.3%

3.4%

Scarborough 2014 -1 Base: 2,172,728 Any primary bank user 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

Weekly sh

oppers

Newspaper

Internet

Cable or satellit

e TV Radio

Promotions or v

isual d

isplays w

ithin st

ores

Loca

l TV

Magazines

Movie theater

Outdoor media (b

illboards,

etc.)

50.3%

45.2%

39.7%

31.5%

26.3%

22.3%

17.0%

5.0% 4.6%

0.0%

Scarborough 2014 -1 Base: 2,172,728 Any primary bank user 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%

Scarborough 2014 -1 Base: 2,172,728 Any primary bank user 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

Weekly

shoppers

Intern

et

Newspap

er

Local

TV

Radio

Promotions o

r visu

al disp

lays w

ithin st

ores

Cable or s

atellit

e TV

Outdoor m

edia (billb

oards, e

tc.)

Magazi

nes

Movie th

eater

52.9%

31.0% 29.7%25.9%

12.7% 12.3% 12.2%8.5% 7.0%

2.3%

Scarborough 2014 -1 Base: 2,172,728 Any primary bank user 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

Weekly sh

oppers

Newspaper

Internet

Loca

l TV

Radio

Cable or satellit

e TV

Promotions or v

isual d

isplays w

ithin st

ores

Magazines

Movie theater

Outdoor media (b

illboards,

etc.)

56.5%

40.6%

34.7%31.9%

26.2% 26.0%

20.2%

9.8%

4.9%2.9%

Scarborough 2014 -1 Base: 2,172,728 Any primary bank user 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%

Scarborough 2014 -1 Base: 2,172,728 Any primary bank user 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%

Scarborough 2014 -1 Base: 2,172,728 Any primary bank user 136,394 Scotiabank rusers

Any Credit Cards consider Weekly Shopper, Newspapers and Internet as the media used for their shopping and buying decisions process

Weekly sh

oppers

Newspaper

Internet

Loca

l TV

Cable or satellit

e TV Radio

Promotions or v

isual d

isplays w

ithin st

ores

Magazines

Outdoor media (b

illboards,

etc.)

Movie theater

60.8%

49.9%

39.5%

34.5%

28.5%

23.3% 21.8%

12.9%

5.9%3.6%

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

Weekly sh

oppers

Newspaper

Loca

l TV

InternetRadio

Promotions or v

isual d

isplays w

ithin st

ores

Cable or satellit

e TV

Magazines

Outdoor media (b

illboards,

etc.)

Movie theater

57.3%

41.3%

34.7%

24.8%

19.1% 17.9%

13.0%9.9% 8.5%

2.5%


59

Financial category consumption by newspaper

Banking Market


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

ENDAverage Reader

PHAverage 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%


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

ENDAverage Reader

PH Average Reader

Indice Average Reader

EV 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.


Financial Services

Financial services has/use MarketEND

Average Reader

PH Average Reader


EV 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%


El Nuevo Día and Primera Hora are more effective newspapers in reaching Financial services users

Investments

Investments household has MarketEND

Average Reader

PH Average Reader


EVAverage 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%


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


El Nuevo Dia Average Reader

Primera Hora Average Reader

Indice Average Reader El Vocero Average Reader Metro Average Metro

51.8%

28.8%

15.9%19.3%

14.7%

67

Credit Cards category consumption by newspaper

Credit Card Market

Any credit card; 49.1%None; 50.9%


Credit Card Market


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%

Credit cards users and non users

Credit cards used past 3 months Market

ENDAverage Reader

PHAverage Reader


EV 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 Base: 1,384,382 Any credit cards users 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

ReaderPH Average

Reader


EV 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


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 CardsGFR Media is more effective newspapers in reaching Any credit card user


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%


74

Media Usage buying decision-making process

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

76

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

Any primary Bank El Nuevo Día Cume

ReadersEl Nuevo Día Cume

Readers

Gender Men 46.8% 47.0% 100Women 53.2% 53.0% 100AgeAge 18-24 13.6% 15.2% 112Age 25 - 34 16.9% 18.9% 113Age 35-49 26.6% 25.4% 101Age 50-64 23.3% 22.7% 92Age 65 or More 19.6% 17.8% 89EducationHigh School Graduate or Less 48.7% 45.1% 85Some or Collage Degree 41.3% 43.9% 115Some or Post graduate degree 9.9% 11.1% 125Region Arecibo Region 9.9% 10.9% 101Caguas Region 14.9% 14.2% 96Mayagüez Region 14.9% 12.9% 89Ponce Region 13.2% 12.7% 97San Juan Metro Region 29.0% 30.7% 107San Juan Sub Region 17.8% 18.1% 101NSEUpper class 12.7% 13.8% 128Upper/middle class 21.8% 23.1% 120Middle/lower class 31.6% 31.6% 103Lower class 33.9% 31.5% 80IncomeLess 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

77

PH Readers’ Profile vs Any primary bank users profile

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

Any primary Bank Primera Hora Cume Readers

Primera Hora Cume Readers


78

Indice Readers’ Profile vs Any primary bank users profile

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

Any primary Bank Índice Cume

Readers Índice Cume Readers


79

END Readers’ Profile vs 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

No Primary Banks Users El Nuevo Día Cume Readers El Nuevo Día Cume Readers


80

PH Readers’ Profile vs No Bank Users Profile

Scarborough 2014 -1 Base : 645,452 No Banks users 1,306,634 PH Cume Readers - Mon – FR

Primera Hora:High penetration in Men, lower income and lower socioeconomic level

No Primary Banks Users Primera Hora Cume Readers Primera Hora Cume Readers


81

Indice Readers’ Profile vsNo Bank Users Profile

Scarborough 2014 -1 Base 645,452 No Banks users 482,508 Indice Cume Readers - Mon – FR

Indice:High penetration in middle income ($10k – $35k )

No Primary Banks Users Índice Cume Readers Índice Cume Readers


82

END Readers’ Profile vs 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

Any Credit cards used El Nuevo Día Cume Readers El Nuevo Día Cume Readers


83

PH Readers’ Profile vs Any Credit Card users profile

Scarborough 2014 -1 Base : 1,384,382 Any credit cards users 1,306,634 PH Cume Readers - Mon – FR

Primera Hora:High penetration in men, 25-49 and well educated

Any Credit cards used Primera Hora Cume Readers



84

Indice Readers’ Profile vs Any Credit Card users profile

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

Any Credit cards used Any Credit cards

used Índice Cume

ReadersÍndice Cume

Readers

Target % Index Target % IndexBase Total 100.0% 100 100.0% 100Gender Men 52.1% 111 45.0% 96Women 47.9% 90 55.0% 104AgeAge 18-24 9.9% 73 17.1% 126Age 25 - 34 14.5% 87 19.9% 119Age 35-49 26.9% 107 29.7% 118Age 50-64 27.0% 109 21.7% 88Age 65 or More 21.7% 109 11.6% 58EducationHigh School Graduate or Less 44.0% 83 41.7% 79Some or Collage Degree 42.4% 111 45.1% 118Some or Post graduate degree 13.6% 153 13.2% 149Region Arecibo Region 11.0% 102 6.3% 58Caguas Region 13.2% 90 13.0% 88Mayagüez Region 14.2% 97 12.5% 85Ponce Region 11.9% 90 8.0% 61San Juan Metro Region 32.2% 113 48.0% 168San Juan Sub Region 17.3% 97 12.3% 69NSEUpper class 17.3% 159 15.8% 146Upper/middle class 25.4% 132 21.9% 113Middle/lower class 30.5% 99 33.4% 109Lower class 26.7% 68 28.9% 74IncomeLess 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

85

END Readers’ Profile vs 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

No Credit cards

usedNo Credit cards

usedEl Nuevo Día Cume

ReadersEl Nuevo Día Cume

ReadersGender Men 42.1% 90 47.0% 100Women 57.9% 109 53.0% 100AgeAge 18-24 17.0% 126 15.2% 112Age 25 - 34 18.9% 113 18.9% 113Age 35-49 23.3% 93 25.4% 101Age 50-64 22.6% 91 22.7% 92Age 65 or More 18.2% 91 17.8% 89EducationHigh School Graduate or Less 61.8% 117 45.1% 85Some or Collage Degree 33.8% 89 43.9% 115Some or Post graduate degree 4.3% 49 11.1% 125Region Arecibo Region 10.7% 98 10.9% 101Caguas Region 16.2% 110 14.2% 96Mayagüez Region 15.0% 103 12.9% 89Ponce Region 14.4% 109 12.7% 97San Juan Metro Region 25.1% 88 30.7% 107San Juan Sub Region 18.3% 103 18.1% 101NSEUpper class 4.7% 43 13.8% 128Upper/middle class 13.4% 69 23.1% 120Middle/lower class 30.9% 101 31.6% 103Lower class 51.1% 131 31.5% 80IncomeLess 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

86

PH Readers’ Profile vs No Credit Cards Profile

Scarborough 2014 -1 Base 1,433,798 None credit cards user 1,306,634 PH Cume Readers - Mon – FR

Primera Hora:High penetration in Men, lower income and lower socioeconomic level

No Credit cards used No Credit cards used



Gender Men 42.1% 90 47.3% 101Women 57.9% 109 52.7% 99AgeAge 18-24 17.0% 126 13.4% 99Age 25 - 34 18.9% 113 20.5% 123Age 35-49 23.3% 93 29.1% 116Age 50-64 22.6% 91 23.1% 93Age 65 or More 18.2% 91 13.9% 70EducationHigh School Graduate or Less 61.8% 117 52.5% 99Some or Collage Degree 33.8% 89 39.8% 105Some or Post graduate degree 4.3% 49 7.7% 87Region Arecibo Region 10.7% 98 10.1% 93Caguas Region 16.2% 110 17.2% 117Mayagüez Region 15.0% 103 15.1% 104Ponce Region 14.4% 109 15.5% 118San Juan Metro Region 25.1% 88 23.7% 83San Juan Sub Region 18.3% 103 18.0% 101NSEUpper class 4.7% 43 10.4% 96Upper/middle class 13.4% 69 18.3% 95Middle/lower class 30.9% 101 31.6% 103Lower class 51.1% 131 39.7% 101IncomeLess 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

87

Indice Readers’ Profile vsNo Credit Cards Profile

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 )

No Credit cards used Índice Cume Readers Índice Cume Readers


88

Circulation

89

Certified Circulation: Monday to FridayEL 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

90

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

91

Thank You

92

Addendum

¡Impresos que impresionan!

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…

Speed

Innovation

Flexibility

Quality

•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 Innovation

Quality

We operate 24 hours a day

Fast turnaround

AGP Online color approval

Island wide & Caribbean delivery

SpeedSpeed

•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 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” / CircularsBooks & MagazinesDirect Mail materialDirectoriesPostersInsertsCatalogsPress KitsCalendars

…and many more


Some of our Valued Customers:

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Benefits for You!

“One stop shopping” for all your commercial printing needsState of the art technology that provides consistent quality, speed and cost efficienciesSecurity & ConfidentialityPersonalized customer serviceFlexibility 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

http://www.agppr.com/


Contact Information:

Suzette M. Jiménez

Sales & Marketing Director

[email protected]

Phone (787) 641-5400, ext. 6019 or 6017

Fax (787) 641-4477

Mobile (787) 925-8088

www.agppr.com

Joel Acevedo

VP & General Manager

[email protected]

Phone (787) 641-5400, ext. 6020 or 6021

Fax (787) 641-4477

Mobile (787) 368-2813

www.agppr.com

mailto:[email protected]



