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• Earn Points for Every Purchase*

• Earn Double Points for purchases in Maine*

• 11.49% Annual Percentage Rate
  on Purchases, Cash Advances and Balance Transfers

• No Annual Fee

• No Balance Transfer Fee

• No Cash Advance Fee

• Disability and Credit Life Insurance
  are available to you for a low monthly premium

• Serviced Locally

• Free ON-LINE Access with OTIS ON-LINE

• You can fill it out before or after printing
  Credit Card Application
  
  *see disclosure for complete details

Points earned can be redeemed easily through the following website at https://2023.extraawards.com for Gift Cards, Travel or even Cash deposited to your share account.

Additional benefits: ATM access for cash advances, Make payments automatically from your OTIS account, Payments can be as low as $25.00 or 3% of your statement balance, whichever is greater.

If you're trying to overcome a less than perfect credit or build good credit history, we can help. Our share secured visa credit cards give you the opportunity to establish good credit with the convenience of an OTIS Maine Rewards Visa Credit Card. Ask a Loan Officer today for more details.

Other Charges - The following other charges will be added to your account as applicable; late fee (after 20 days) $20.00; statement copy fee $1.00 per page; sales draft copy fee $7.00; replacement card fee $7.00.

For information on how to handle a lost or stolen VISA Credit Card click here.