B. Credit balance, customer's overpayment, gift certificate, gift obligation, prefunded bank card, stored- value card, security deposit, refund, credit memorandum, unpaid wage, unused ticket, mineral proceeds or unidentified remittance;

Sec. 4. 33 MRSA §1953, sub-§1, ¶G, as amended by PL 2005, c. 12, Pt. GG, §1, is repealed and the following enacted in its place:

G.__A gift obligation or stored-value card, 2 years after December 31st of the year in which the obligation or the most recent transaction involving the obligation or stored- value card occurred, whichever is later, including the initial issuance and any subsequent addition of value to the obligation or stored-value card.__A period of limitation may not be imposed on the owner's right to redeem the gift obligation or stored-value card.__The amount unclaimed is 60% of the gift obligation's or stored-value card's face value.__Notwithstanding section 1956, fees or charges may not be imposed on gift obligations or stored-value cards, except that the issuer may charge a transaction fee for the initial issuance and for each occurrence of adding value to an existing gift obligation or stored-value card.__These transaction fees must be disclosed in a separate writing prior to the initial issuance or referenced on the gift obligation or stored-value card.__This paragraph does not apply to prefunded bank cards;

Sec. 5. 33 MRSA §1953, sub-§1, ¶G-1 is enacted to read:

G-1.__A prefunded bank card, 3 years after December 31st of the year in which the obligation or the most recent activity involving the prefunded bank card occurred, whichever is later, including the initial issuance and any subsequent addition of value to the prefunded bank card.__A period of limitation may not be imposed on the owner's right to redeem the prefunded bank card.__Any terms and conditions must be disclosed in a separate writing prior to the initial issuance and referenced on the prefunded bank card;