Effective April 1, 2008, Visa will charge 0.8% for international transactions that 
do not involve currency conversions.  

Visa assessed surcharge/access fee for ATM cash disbursement transactions 
initiated outside of the U.S. region:* – Visa assesses a cash disbursement fee 
of U.S. $0.50 or $1.25 on international ATM transactions where a surcharge fee 
has been assessed. * Except in Visa Europe Region.  

12. Plan Merchant Disputes. We are not responsible for the refusal of any plan 
merchant or financial institution to honor your card. We are subject to claims 
and defenses (other than tort claims) arising out of goods or services you 
purchase with the card only if you have made a good faith attempt but have been 
unable to obtain satisfaction from the plan merchant, and (a) your purchase was 
made in response to an advertisement we sent or participated in sending to you; 
or (b) your purchase cost more than $50 and was made from a plan merchant in 
your state or within 100 miles of your home. Any other disputes you must 
resolve directly with the plan merchant.  

13. Security Interest. You may be giving a security interest in a specific 
amount of your share or share draft account(s) with the Credit Union by signing 
a separate pledge of shares agreement. If you give a security interest to the 
Credit Union, you must maintain the amount of the security given in your 
account(s) at all times during which you have the right to use your card(s). Other 
than this security interest, we will not assert any statutory right we may have if 
you are in default to prevent withdrawal of your Credit Union shares in other 
accounts or in the secured account(s), above the amount of the security you give. 
The Credit Union also waives any other security interest it may have for 
advances or purchases made under this agreement.  

14. Effect of Agreement. This Agreement is the contract which applies to all 
transactions on your account even though the sales, cash advances, credit or 
other slips you sign or receive may contain different terms. We may amend this 
Agreement from time to time by sending you the advance written notice 
required by law. Your use of the card thereafter will indicate your agreement to 
the amendments. To the extent the law permits, and we indicate in our notice, 
amendments will apply to your existing account balance as well as to future 
transactions.  

15. Joint Liability. Each person who has signed the application or applied for a 
card will be individually and jointly responsible for paying all amounts owed 
under this agreement. This means that the Credit Union can require any one of 
you individually to repay the entire amount owed under this agreement. Each of 
you authorizes the other(s) to make purchases or cash advances individually. 
Any one of you may terminate the account and the termination will be effective 
as to all of you. If applicable, notice to one applicant as to any matter pertaining 
to the Credit Line (e.g., default, changes, periodic statements, etc.) shall 
constitute notice to all applicants. 

16. Other Charges. The following other charges will be added to your account, 
as applicable: a draft copy fee of $5.00, a card replacement fee of $4.00, a copy 
of statement fee of $1.00.  
 •  No Annual Fee!  
 •  No Late Fees!  
 •  No Cash Advance Fees!  
 •  No Overlimit Fees! 

17. Copy Received. You acknowledge receipt of a copy of this Agreement.  

Applicant 

Co-Applicant 

Visa 9.9% Based on your credit worthiness.  

Visa 13.9% Based on your credit worthiness.  

YOUR BILLING RIGHTS 
KEEP THIS NOTICE FOR FUTURE USE 

This  notice  contains  important  information  about  your  rights  and  our 
responsibilities under the Fair Credit Billing Act.  

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL. 

If  you  think  your  bill  is  wrong,  or  if  you  need  more  information  about  a 
transaction on your bill, write us on a separate sheet at  

the  address  listed  on  your  bill.  Write  to  us  as  soon  as  possible.  We  must  hear 
from you no later than 60 days after we sent you the first bill in which the error 
or problem appeared. You can telephone us, but doing so will not preserve your 
rights.  

In your letter, give us the following information:  
  Your name and account number.  
 
  Describe the error and explain, if you can, why you believe there is 

The dollar amount of the suspected error.  

an error. If you need more information, describe the item you are not 
sure about. 

If  you  have  authorized  us to pay  your  credit  card  bill  automatically  from  your 
savings  or  share  draft  account,  you  can  stop  the  payment  on  any  amount  you 
think  is  wrong.  To  stop  the  payment,  your  letter  must  reach  us  three  business 
days before the automatic payment is scheduled to occur.  

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE 
RECEIVE YOUR WRITTEN NOTICE 

We must acknowledge your letter within 30 days, unless we have corrected the 
error by then. Within 90 days, we must either correct the error or explain why 
we believe the bill was correct.  

After we receive your letter, we cannot try to collect any amount you question, 
or  report  you  as  delinquent.  We  can  continue  to  bill  you  for  the  amount  you 
question, including finance charges, and we can apply an unpaid amount against 
your credit limit. You do not have to pay any questioned amount while we are 
investigating, but you are still obligated to pay the parts of your bill that are not 
in question.  

If  we  find  that  we  made  a  mistake  on  your  bill,  you  will  not  have  to  pay  any 
finance charges related to any questioned amount. If we didn't make a mistake, 
you may have to pay finance charges, and you will have to make up any missed 
payments  on  the  questioned  amount.  In  either  case,  we  will  send  you  a 
statement of the amount you owe and the date that it is due.  

If  you  fail  to  pay  the  amount  that  we  think  you  owe,  we  may  report  you  as 
delinquent. However, if our explanation does not satisfy you and you write to us 
within  ten  days  telling  us  that  you  still  refuse  to  pay,  we  must  tell  anyone  we 
report you to that you have a question about your bill. And, we must tell you the 
name of anyone we reported you to. We must tell anyone we report you to that 
the matter has been settled between us when it finally is.  

If we don't follow these rules, we can't collect the first $50.00 of the questioned 
amount, even if your bill was correct. 

SPECIAL RULE FOR CREDIT CARD PURCHASES  

If you have a problem with the quality of property or services that you 
purchased with a credit card, and you have tried in good faith to correct the 
problem with the merchant, you may have the right not to pay the remaining 
amount due on the property or services. There are two limitations on this right: 
(a)   You must have made the purchase in your home state or, if not within your 

home state, within 100 miles of your current mailing address; and 

(b)   The purchase price must have been more than $50.00. 

These  limitations  do  not  apply  if  we  own  or  operate  the  merchant,  or  if  we 
mailed you the advertisement for the property or services. 

PeoplesChoiceME.org 
P.O. Box 876 • Biddeford, Maine, 04005 
(207) 284-2444 or 877-785-6328 • FAX (207) 282-1735 

Rev 01/17