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Terms:

0.0% on purchases until the last day of the billing period ending during July 2010; then the standard APR, a rate between 11.99% variable and 19.99% variable.

Balance Transfers: 0.0% for 6 months from the date of account opening for balance transfers made with your application, then the standard APR for purchases.

BALANCE TRANSFER TRANSACTION FEES: 3.0% for each balance transfer made under this offer, thereafter, other offers may have a fee of up to 5%, with a $10 minimum and no maximum.