1 Exhibit 10 FORM OF SHAREHOLDER AGREEMENT AGREEMENT dated as of December 30, 1996 (this "Agreement"), by and among BANPONCE CORPORATION ("BanPonce") and the SHAREHOLDERS of ROIG COMMERCIAL BANK ("RCB") listed as signatories hereto (the...Shareholder Agreement • March 14th, 1997 • Banponce Corp • State commercial banks
