¹Additional Information: The APR is variable and may change. The APR applicable for purchases, balance transfers from other institutions and convenience checks from 10.99% up to 23.99%. The APR applicable to cash advances will be from 18.24% up to 23.99%. The APR will vary and depend on your credit score and the prime rate applicable at the time your application is evaluated. Late payment charges: $15 for balances up to $100; $29 for balances more than $100 and up to $250; $39 for balances more than $250. Regular charge for cash advances, balance transfers and convenience checks: 2% of the amount:$2 minimum, $10 maximum. Grace period from 25 days for purchases. Balances is calculated based on the average daily balance (including new purchases). ²Applies only to Visa and MasterCard credit cards issued by Banco Popular. ³ Offer valid for balance transfers made on or before June 30, 2010. Not valid with any other offers. To obtain this offer you must comply with parameters established by the Bank. Your account must be open and in good standing until the offer expires.    In case your payment is received past its due date the offers will be void. Special fixed rate of 1.99% APR for balance transfers is valid for twelve months from the balance transfer date shown in your account statement. You must visit a BPPR branch in order to cancel the credit card from which the balance is transferred. Other restrictions apply. After this offer expires, the regular balance transfer rate will apply to the balance and new transfers.  Not valid for transfers of other debt with Banco Popular. Subject to credit line availability. There is no grace period on balance transfer. Upon expiration of the offer an APR from 10.99% to 24.99% will apply.