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Promotional Offer ID CL3MWM37B: The promotional Annual Percentage Rate (APR) Offer for this Balance Transfer is 0% through your statement Closing Date in 10/2009. Your promotional offer may end sooner. If you pay late, then as of the first day of the billing cycle in which that occurs, the promotional offer will end. When this Offer ends, the APR for this promotional balance will increase to 5.9% or the then prevailing non-promotional rate for Balance Transfers. In addition, we may increase the APRs on your account up to the Default Rate without giving you notice. The variable Default Rate is currently 28.99%. The transaction fee for this Balance Transfer is 3% of each transaction, minimum $10.00. Maximum $75.00.