Account Opening Disclosures 

Interest Rates and Interest Charges                St. Mary’s Bank Visa Platinum Business 

Annual Percentage Rate 
(APR) for Purchases 

APR for Balance Transfers 

APR for Cash or ATM 
Advances 

0.00% Introductory APR for seven cycles 
After that, your APR will be 14.20% to 19.20% based on 
creditworthiness. This APR will vary with the market based on the Prime Rate 
14.20% to 19.20% based on creditworthiness.  This APR will vary with 
the market based on the Prime Rate 
14.20% to 19.20% based on creditworthiness.  This APR will vary with   
the market based on the Prime Rate 

Penalty APR and When it 
Applies 

None 

Paying Interest 

Minimum Interest Charge 

Your due date is 25 days after the close of each billing cycle.  We will not charge you 
any interest on purchases if you pay your entire balance by the due date each month. 
We will begin charging interest on Cash or ATM advances and Balance Transfers on 
the transaction date. 
If you are charged interest, the charge will be no less than $1.00 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a credit card, visit 
the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 

Annual Fee 

Transaction Fees 

•  Purchases 

•  Balance Transfers Fee 

•  Cash or ATM Advance 

Fee 

•  Foreign Transaction Fee 
Penalty Fees 

None 

None 

Either $10.00 or 4% of the amount of each balance transfer, whichever is greater. 

Either $10.00 or 4% of the amount of each cash advance, whichever is greater. 

1% of the transaction amount in U.S. dollars. 

•  Late Payment Fee 

Up to $25 

•  Over-the-Credit Limit Fee 

None 

•  Returned Payment Fee 

Up to $35 

How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."  
See your account agreement for more details.  

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your 
account agreement. 

The information stated above is updated regularly, but may have changed since the last update. To obtain information 
about changes in the above disclosures, contact us at St. Mary’s Bank, PO Box 84032, Columbus, GA 31908-4032 or 
1-866-686-5210. Credit Cards are issued by St. Mary’s Bank. Member NCUA 

1/29/16 

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St. Mary’s Bank 
 BUSINESS VISA®CREDIT CARD AGREEMENT 

This Agreement applies to the VISA® Credit Card Account established 
for the Business by St. Mary’s Bank. Any Card issued under this 
Agreement remains our property and must be returned to us or to 
anyone we designate, upon request. Retaining, signing or using, or 
permitting others to use, the Card or Account is the same as signing this 
Agreement, and means the Business agrees to be bound by the terms of 
this Agreement.  

Definitions. In addition to other terms that may be defined in this 
Agreement, the following terms when used in this Agreement have the 
following definitions: 
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“Account” means the open-end revolving credit account established 
pursuant to the Application and this Agreement to which charges are 
posted based on use of a Card, information from a Card or any other 
means by which the Account may be accessed in the future. 
“Agreement” means this Credit Card Agreement, which includes the 
Account Opening Disclosures and other information provided on the 
Card Mailer, as well as the Application. 
“APR” means the Annual Percentage Rate corresponding to the 
periodic rate described in the “Interest Charges” section below.  
“Application” means the application for credit the Business submitted 
to request us to extend credit to the Business under the Account. 
“Authorized Cardholder” means each employee or officer of the 
Business to whom a Card is issued and any other person that the 
Business or a cardholding employee or officer allows to use a Card 
or the Account. 
“Business” shall mean and include each individual and/or entity that 
applied for or otherwise agreed to be responsible for the Account. 
“Card” means each VISA® credit card issued to the Business or, at 
the Business’ request, to an Authorized Cardholder by us for use 
with the Account.  
“Card Mailer” means the folder sent with each Card. 
“Cash Advance Limit” means that portion of the Credit Limit that is 
available to be used for Cash Advances. 
“Credit Limit” means the total dollar amount of credit available to the 
Business under the terms of this Agreement. 
“We”, “us” and “our” refer to St. Mary’s Bank 48 Perimeter Road 
Manchester, NH 03103. 

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Business Purpose. The Account is to be used solely for business 
purposes. The Business agrees to instruct each Authorized Cardholder 
not to use the Account for any personal, family or household purpose. 
The Business also agrees that its obligations under this Agreement shall 
not be affected or limited if the Account is used for any non-business 
purpose.  

Authorized Cardholders. We may issue Cards to Authorized 
Cardholders at the request of an authorized representative of the 
Business. The Cards will be sent to the address of the Business in our 
records unless otherwise requested by an authorized representative of 
the Business. The Business is solely responsible for safeguarding the 
Cards following receipt and for distributing the Cards to the Authorized 

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Cardholders. The Business acknowledges that the Cards are to be used 
by Authorized Cardholders only. Unless the Business notifies us 
otherwise in writing, the Business authorizes and directs us to issue 
renewal or replacement Cards to Authorized Cardholders on or before 
the expiration of each Card. The Business acknowledges and agrees 
that Cards are not assignable or transferable, by operation of law or 
otherwise. 

The Account will include a sub-account for each Authorized 

Cardholder (each a "Cardholder Account"). The name of the Authorized 
Cardholder and Cardholder Account number (the "Cardholder Account 
Number") will be imprinted on the Card issued with respect to each 
Cardholder Account, along with the Business’ name. Unless the context 
requires otherwise, any reference in this Agreement to the Account 
includes a reference to any applicable Cardholder Account.  

Using The Account. The Account and, except as otherwise limited by 
the Business, any Cardholder Account may be used as follows: (1) 
“Purchases”: to purchase or lease goods and services from any 
merchant who honors the Card; (2) "Cash Advances": to obtain cash  or 
cash equivalents (a) from us or from any financial institution that honors 
the Card, (b) from an automatic teller machine that accepts the Card, (c) 
by purchasing items that may be traded right away for cash, including, 
but not limited to, money orders, travelers checks, lottery tickets, casino 
chips, vouchers redeemable for cash, or racetrack wagers, and (d) by 
making tax or other payments; and (3) "Balance Transfers": to request us 
to transfer to the Account a balance that the Business owes to another 
creditor and, if we approve the Business’ request, we will pay the other 
creditor directly. We are not responsible for any person or entity refusing 
to accept the Card for Purchases or Cash Advances. We may limit the 
number or dollar amount of Purchases, Cash Advances and/or Balance 
Transfers that may be made or obtained with a Card or the Account. 
Neither we nor our agents will be responsible or have any liability for 
refusing to authorize any transaction, even if the Business has credit 
available.  

Promise to Pay. The Business promises to pay us for all Purchases, 
Cash Advances, Balance Transfers and any other charges on the 
Account and each Cardholder Account, whether made by the Business, 
an Authorized Cardholder or, to the full extent permitted by applicable 
law, by anyone else who uses the Account. The Business also agrees to 
pay any and all Interest Charges, fees and all other amounts owed under 
this Agreement. If more than one individual or entity applied or agreed to 
be responsible for the Account, each of you is individually responsible for 
all amounts owed under this Agreement. Any authorized representative 
of the Business may give us any notice under this Agreement. If 
authorized representatives give us different notices or make different 
requests, we may choose which one to honor. We will not be liable to the 
Business or anyone else because we choose to honor a request or 
notice from any authorized representative of the Business. 

Illegal Transactions. The Business agrees that neither the Account nor 
any Cardholder Account may be used for any transaction that is illegal in 
the jurisdiction where the transaction is consummated or in any other 
jurisdiction affected by the transaction. The Business agrees that it is the 
responsibility of the Business and each Authorized Cardholder to 
determine the legality of each transaction in all applicable jurisdictions 

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before entering into such transaction. Display of the VISA® by any 
person accepting the Card does not indicate that the transaction is legal 
in all applicable jurisdictions. The Business also agrees that no 
Authorized Cardholder will use a Card in connection with any Internet or 
on-line gambling transaction, whether or not gambling is legal in any 
applicable jurisdiction. We reserve the right to decline any transaction 
that we believe is an illegal transaction, an Internet or on-line gambling 
transaction or a high-risk transaction, but the Business acknowledges 
and agrees that we have no obligation to monitor, to review or to 
evaluate the legality of the Business’ Card transactions. To the fullest 
extent permitted by law, the Business agrees to pay for any Card 
transaction by an Authorized Cardholder, even if that transaction is 
determined to be illegal. 

Refunds and Adjustments. The Business agrees that, for any refund, 
adjustment, or credit allowed by any seller or other person or entity, the 
Business will not accept cash, but only a credit to the Account, which will 
appear on the monthly billing statement. 

Monthly Billing Statements. We will send the Business a billing 
statement at the end of each monthly billing cycle. Among other 
information, each statement will show all Purchases, Cash Advances, 
Balance Transfers, Interest Charges, fees and any other debits or 
credits to the Account during that billing cycle, along with the unpaid 
balance at the end of that billing cycle (the “New Balance”), the minimum 
amount of the next payment (the “Minimum Payment Due”), and when 
the next payment is due (the “Payment Due Date”). The Business must 
review each billing statement as soon as it receives it, and notify us of 
any questions or errors within sixty (60) days of receiving the statement. 
If the Business does not notify us at the address provided on the 
statement within this time period, the Business waives any rights it may 
have to any questioned amount to the fullest extent permitted by law. 
The Business’ notice must include the following information: the names 
of the Business and any Authorized Cardholder involved in the 
questioned transaction; the account number for the Account and any 
Card involved in that transaction; the dollar amount of any questioned 
transaction or suspected error; the reference number on the statement 
for any questioned transaction; and a brief description of any questioned 
transaction or suspected error. 

Minimum Payment Due. If the New Balance shown on the statement 
for any billing cycle is less than $30, the Minimum Payment Due for that 
cycle will equal the New Balance. If the New Balance for any billing cycle 
equals or exceeds $30, the Minimum Payment Due for that cycle will be: 
(1) the greatest of: (A) three percent (3%) of the New Balance, (B) $30, 
or (C) the sum of any unpaid Interest Charges, any unpaid fees, and 1% 
of the New Balance; plus (2) any unpaid Minimum Payments Due from 
earlier billing cycles and any amount of the New Balance that exceeds 
the Credit Limit or Cash Advance Limit for the Account. Payments must 
be made in U.S. dollars drawn on a U.S. Bank. The Business may pay 
more than the Minimum Payment Due at any time. The Business will not 
owe us any additional charge for early payment. If the Business pays 
more than the Minimum Payment Due in one billing cycle, the Business 
still has to pay the full Minimum Payment Due in the next cycles. The 
Business cannot increase its available credit by paying more than the 
unpaid balance on the Account.  

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Payments on the Account. Each payment required under this 
Agreement must be made on or before the Payment Due Date shown on 
the monthly billing statement. The Business must pay us in U.S. dollars, 
by mailing a check or money order, along with the payment stub from 
billing statement, to the address shown on that statement. Do not send 
cash. If the Business does not follow these instructions, we might not 
credit the payment until the next business day after we get it. All 
payments on the Account received by 5:00 p.m. during our normal 
business day at the address shown on the billing statement are 
considered to have been made on the date received at that address. To 
the fullest allowed by law, we may accept payments marked "payment in 
full" (or words of similar intent) without losing any of our rights to collect 
the full balance due under the Account and this Agreement. We will 
apply the Business’ payments to the unpaid balance of the Account in 
the order and manner we decide, unless restricted by an applicable law. 

Disputed Payments. If the Business disputes any amount we say it 
owes under this Agreement, the Business must write to us at St. Mary’s 
Bank Credit Card Services, P.O Box 84032, Columbus, Georgia 31908-
40329. If the Business pays us with a check marked with “payment in 
full” or similar words, the Business must send it to this address. Subject 
to any restrictions of applicable law: (1) the words “payment in full” or 
similar words will have no effect; and (2) we can take disputed payments 
without giving up any of our rights.  

Payment Holidays. At our option we may permit the Business from time 
to time to skip making the Minimum Payment Due for a specified billing 
cycle (referred to as a "Payment Holiday"). Even if the Business accepts 
such a Payment Holiday, we will continue to assess Interest Charges on 
the unpaid balances of the Account. Any payment holiday we permit will 
not affect the terms of this Agreement.  

Credit Limit; Cash Advance Limit. The Business agrees not to use or 
permit others to use the Card or Account if such use would cause either 
(i) the balance of the Account to exceed the Credit Limit we set from 
time to time or (ii) the balance of the outstanding Cash Advances to 
exceed the Cash Advance Limit. The initial Credit Limit and Cash 
Advance Limit for the Account are shown on the Card Mailer and will 
also be disclosed on each monthly billing statement for the Account. We 
may, at our option, extend credit under the Account which exceeds the 
Credit Limit or the Cash Advance Limit. If we do, the Business agrees to 
immediately pay the excess which we advanced to the Business over 
either of the applicable limits. We are not obligated to allow any 
Purchase, Cash Advance or Balance Transfer which would cause the 
Account balance or Cash Advance Balance to exceed the Credit Limit or 
Cash Advance Limit, as applicable, and if we do, we are not obligated to 
do so at a later time. We may increase or decrease the Credit Limit 
and/or Cash Advance Limit at any time, subject to any restrictions of 
applicable law. We may terminate the Business’ ability to obtain 
additional credit under this Agreement if the Business exceeds the 
Credit Limit or the Cash Advance Limit. 

Interest  Charges.  Each  billing  cycle,  we  will  charge  interest  to  the 
Business  on  the  average  daily  balance  for  each  type  of  transaction  on 
the  Account  (“Interest  Charges”).  By  type  of  transaction,  we  mean 

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Purchases,  Cash  Advances,  Balance  Transfers  and  any  transactions 
subject to a special offer APR. To compute the Interest Charges owed on 
the  Account  for  each  billing  cycle,  we  first  calculate  the  average  daily 
balance for each type of transaction. Next, we multiply the average daily 
balance for that  type of transaction by the applicable  interest rate.  After 
computing  the  Interest  Charge  for  each  type  of  transaction,  we  add 
together  these  Interest  Charges  to  determine  the  total  Interest  Charges 
on the Account for the billing cycle. If the Business is charged interest for 
any billing cycle, the Interest Charge will be no less than $1. 

Average Daily Balances Used to Compute Interest. To get the 
average daily balance for each type of transaction on the Account: (1) we 
calculate a daily balance for each day in the current billing cycle; (2) we 
add all the daily balances together; and (3) we divide the sum of the daily 
balances by the number of days in the current billing cycle. To calculate 
the daily balance for each type of transaction for each day in the current 
billing cycle, we take the beginning balance for that type of transaction 
on that day, add any new transactions and applicable fees or other 
charges, and subtract any applicable payments and credits. The 
following fees and charges will be added to the daily balance for 
Purchases on the date each is posted to the Account: Annual Fee, 
Foreign Transaction Fee, Late Fee, Returned Payment Fee, Expedited 
Delivery Fee, Pay-by-Phone Fee, and any amounts permitted under the 
“Attorneys Fees and Other Collection Costs” below. Any Cash Advance 
Fee will be added to the daily balance for Cash Advances on the date it 
is posted to the Account. Any Balance Transfer Fee will be added to the 
daily balance for Balance Transfers on the date it is posted to the 
Account. If any daily balance is less than zero we treat it as zero. 

Interest Rates. We calculate how much interest the Business owes each 
billing cycle by applying a monthly periodic rate (an “MPR”) to the 
average daily balance for Purchases, Cash Advances, Balance 
Transfers and any transactions subject to a special offer APR. We get 
each MPR by dividing the APR for that transaction type by 12. The 
interest rates that apply to the Account are shown on the Card Mailer 
and each billing statement. Except for any introductory or other special 
offer APR, each APR is a variable rate equal to the Prime Rate plus any 
margin shown on the Card Mailer or in the special offer. The “Prime 
Rate” is the U.S. Prime Rate published in The Wall Street Journal on the 
last Business Day of the month. An increase or decrease in the Prime 
Rate will cause a corresponding increase or decrease in the variable 
APRs on the first day of the billing cycle that begins in the month 
immediately following the change in the Prime Rate. If the APRs 
increase, the amount of interest owed and the Minimum Payment Due 
may increase.  

Grace Period/Paying Interest. The Payment Due Date is at least 25 
days after the close of each billing cycle. We will not charge the Business 
any interest on Purchases if the Business pays its entire New Balance by 
the Payment Due Date each month. No Interest Charge will be imposed 
on new Purchases posted to the Account during a billing cycle if the 
outstanding New Balance for the preceding billing cycle had been paid in 
full and credited by the "Payment Due Date" for that billing cycle. 
However, if (1) the outstanding New Balance for the preceding billing 
cycle has been paid in full and credited by the "Payment Due Date" for 
that billing cycle, (2) a Purchase is posted to the Account during the 

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current billing cycle, and (3) the New Balance of the current billing cycle 
is not paid in full and credited by the "Payment Due Date" for the current 
billing cycle, an Interest Charge will accrue on the Purchase from the first 
day of the billing cycle which follows the current billing cycle. For any 
billing cycle in which the Account has an outstanding New Balance which 
was not paid and credited by the "Payment Due Date" for the preceding 
billing cycle.  We will begin charging interest on all Purchases, Cash 
Advances and Balance Transfers on the Transaction Date. 

Special Offers. We may make a special offer to the Business. For 
example, we may offer a reduced interest rate. Such offers may apply to 
all transactions or balances on the Account, or only to some transactions 
or balances. We will tell the Business what terms of the special offer 
differ from the terms of this Agreement. Except as we tell the Business in 
a special offer, the rest of this Agreement will still apply to the Account. 

Fees. The Business agrees to pay the following fees, as applicable:  
Annual Fee. An annual fee, if applicable, in the amount shown on the 
Card Mailer. This fee will be charged to the Account when we issue the 
Card, and annually at the end of the month that includes the anniversary 
date of the opening of the Account. Payment of the fee is a condition for 
maintaining the Account. The fee will be charged regardless of whether 
the Business uses the Account, and is not refundable even if the 
Account is closed for any reason by either the Business or us. 
Transaction Fees: 
•  Cash or ATM Advance Fee. A fee of $10 or four percent (4%) of the 
amount of each Cash Advance (whichever is greater). This fee is in 
addition to the Interest Charge which will accrue on the Cash 
Advance. 

•  Balance Transfer Fee. A fee of $10 or four percent (4%) of the 

amount of each Balance Transfer (whichever is greater). This fee is 
in addition to the Interest Charge which will accrue on the Balance 
Transfer. Fee waived for first 12 billing cycles of the introductory 
period. 

•  Foreign Transaction Fee. One percent (1%) of the U.S. dollar 

amount of any transaction made (1) in a foreign currency, (2) outside 
of the United States, or (3) with a foreign merchant, even if that 
transaction is made in U.S. dollars. We may charge this fee for each 
transaction (including returns and refunds) at the time the 
transaction is posted to the Account.  

Penalty Fees: 
•  Late Payment Fee. A fee if we do not receive at least the Minimum 
Payment Due by the Payment Due Date (or the next business day if 
the Payment Due Date falls on a Saturday, Sunday or holiday). For 
any late payment, this fee will be $25 but never more than the full 
amount of the Minimum Payment Due (as shown on the billing 
statement) that was due immediately before the fee is assessed, 
rounded up to the nearest dollar. 

•  Returned Payment Fee. A fee if a check or similar instrument or any 
debit for payment on the Account is returned unpaid for any reason. 
The amount of this fee will be $35 or the full amount of the Minimum 
Payment Due that was due immediately before the payment was 
returned, rounded up to the nearest dollar, whichever is less. 
•  Returned Convenience Check Fee.  A fee of $25 will be charged to 
your account if a Convenience Check written on your account is 
declined and returned to the payee. 

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Other Fees: 
•  Pay-by-Phone Fee. A fee of $10 if the Business requests us to 
electronically debit the Business’ deposit or other account for a 
payment on the Account, and we honor its request.  

•  Expedited Delivery Service Fee. Except as provided below, a $30 
fee if the Business requests and we agree to arrange for expedited 
delivery of any Card to the Business (for example, by an overnight 
delivery service).  

•  Convenience Check Stop Payment Fee.  A Fee of $25 per 

occurrence if the Business requests us to place a Stop Payment on 
Convenience Checks drawn against your Account. 

•  Document Fee:  A Fee of $10 per item if the Business requests us to 

make a copy.  Examples would be, Statements, Sales Drafts, 
Balance Transfers, Payment Checks, Convenience Checks. 

Transactions Made in Foreign Currencies. If a transaction is made in 
a foreign currency, the company processing that transaction will convert 
the transaction into a U.S. dollar amount, and we will charge the 
Account for the converted amount. The currency exchange will be done 
by a method and at a rate determined by the company that processes 
the transaction. The exchange rate in effect on the processing date may 
be different from the exchange rate in effect on the transaction date or 
the posting date. If the Business makes a return or gets a refund, the 
same procedures apply. The amount of any return or refund credit may 
be different from the amount of the original transaction because the 
exchange rate may change from day to day. 

Cardholder Accounts. If the Business at any time wishes either to have 
a new Card issued, or to cancel, increase, reduce, or otherwise change 
any limit or other requirement on any outstanding Card, an authorized 
representative of the Business shall notify us in writing of the requested 
action and the requested date of such action, which request shall 
constitute a request to amend the Application for the Account. No such 
amendment shall be valid until we have approved such request in 
writing.  Upon the cancellation of any Card or the termination of any 
Cardholder Account, the Business promptly will notify the Authorized 
Cardholder and will use its best efforts to obtain and destroy the 
canceled Card. Upon cancellation of a Card (other than a lost or stolen 
Card about which the Bank has received notice) or termination of any 
Cardholder Account (including termination resulting from the Authorized 
Cardholder’s termination of employment for which the Business provided 
notice to us), the Business shall remain liable for all outstanding 
balances incurred by the use of the Card prior to our receipt of notice of 
such cancellation or termination, including all outstanding balances for 
transactions that may be posted to the Cardholder Account by a 
merchant after cancellation or termination, as well as all fees or other 
charges of any type with respect to that Cardholder Account. Upon our 
reduction of or change in any limit or other requirement on any 
outstanding Card, the Business promptly shall notify the Authorized 
Cardholder. Notwithstanding any such notice, the Business shall remain 
liable for all amounts incurred by the use of the Card. 

Termination. We may reduce the Credit Limit or terminate the Business’ 
ability to receive additional credit under this Agreement at any time 
without notice, unless restricted by applicable law. The Business may 
terminate its ability to receive additional credit under this Agreement by 

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giving us notice of termination and returning to us or destroying all 
Cards. Termination by the Business will be effective after we have 
received its written notice and had a reasonable opportunity to act on it. 
If the Business’ ability to receive additional credit under this Agreement 
is terminated, either by the Business or by us, this Agreement is not 
terminated. The Business’ obligations and our rights under this 
Agreement shall remain effective until all amounts due under this 
Agreement have been paid in full. If the Business is not in default at the 
time of termination, the Business may pay off any balance under the 
terms of this Agreement that apply at that time.  

Default. The Business will be in default under this Agreement if any of 
the following events occur: (1) the Business fails to make any payment 
required under this Agreement when due; (2) the Business fails to 
perform or abide by any of its agreements or obligations under this 
Agreement or any other loan agreement the Business has with us or with 
any other creditor; (3) the Business becomes insolvent (meaning its 
liabilities exceed its assets or it is unable to pay its debts as they 
become due); (4) any action is taken by or against the Business under 
any bankruptcy or insolvency laws; (5) any attachment or garnishment 
proceedings are initiated against the Business; (6) any individual who 
agreed to be responsible for the Account dies or is declared 
incompetent; (7) we, in good faith, believe the prospect of the Business’ 
payment or performance under this Agreement is impaired; (8) the 
Business fails or refuses to provide current financial information to us 
when we request it; or (9) if the business is an entity, the Business is 
administratively dissolved or is not in good standing in its state of 
formation/incorporation or any other state in which the Business is 
authorized to do business. Upon the occurrence of any event of default, 
all amounts the Business owes under this Agreement will become 
immediately due and payable in full. The Business also must also return 
to us all Cards issued in connection with the Account. Default shall not 
release the Business from any obligation the Business has incurred 
under this Agreement. After default, the Business’ obligations and our 
rights under this Agreement shall remain effective until all amounts due 
under this Agreement have been paid in full.  

Attorneys Fees and Other Collection Costs. The Business agrees to 
pay the costs we incur if it is in default and we hire an attorney who is 
not our salaried employee to collect amounts owed under this 
Agreement. We will not charge the Business for our collection costs if an 
applicable law says we may not. Any amounts the Business owes for 
these collection costs may be added to the outstanding balance of the 
Account, and interest may be charged on these costs at the APR 
applicable to Purchases. 

Changing this Agreement. We may change this Agreement unless 
restricted by applicable law. We will tell the Business when any change 
will be effective and how it will apply to the Account. The Business may 
not change this Agreement unless we agree in writing to the change. 

Governing Law; Severability. This Agreement and the Account will be 
governed by (1) federal law, and (2) to the extent not preempted by 
federal law, the laws of the state of New Hampshire, without regard to its 
conflicts of law provisions. We accepted this Agreement in New 
Hampshire. If any provision of this Agreement conflicts with the law, the 

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Business agrees the provision will be viewed as if it was amended to 
comply with the law. If that is not possible, then only the provision that 
conflicts with the law will be deleted. The remaining provisions of this 
Agreement will remain effective. 

Credit Reports. The Business agrees that we may obtain credit reports 
from one or more credit reporting agencies or others in connection with 
opening or maintaining the Account, determining the Credit Limit and 
Cash Advance Limit, or making any extension of credit to the Business 
under the Account. We may also ask the Business for additional 
information in connection with the Account and request credit reports to 
verify its current credit standing. The Business agrees that we may 
release information to others, such as credit reporting agencies, 
regarding the status and history of the Account. However, we are not 
obligated to release any such information unless required by law. 

Notices. Any notices given under this Agreement or relating to the 
Account will be effective only if given in writing to us at St. Mary’s Bank 
Credit Card Services, P.O. Box 84032, Columbus, Georgia 31908-4032, 
and to the Business at its last address shown on our records. The 
Business agrees to notify us immediately if its address changes from that 
shown on the application submitted in connection with opening the 
Account. 

Liability for Unauthorized Use. The Business agrees to notify us 
immediately if the Business knows or suspects that any Card is lost, 
stolen, or the Account is otherwise subject to unauthorized use. The use 
of a Card by an Authorized Cardholder at any time, even if the 
Authorized Cardholder no longer is employed or associated with the 
Business, shall not constitute unauthorized use, subject to applicable law 
and section above entitled “Cardholder Accounts.”  The Business may be 
liable for unauthorized use of any Card and/or the Account, as well as 
any fraud involving the use of a Card and/or the Account. 

If nine or fewer Cards are issued to the Business’ employees, then: 

(a) the Business’ liability for unauthorized use shall not exceed the lesser 
of $50 or the amount of money, property, labor or services obtained by 
the unauthorized use before the Bank is notified of that use; and (b) the 
Business will not be liable for unauthorized use that occurs after it 
notifies the Bank, either orally or in writing, of the loss, theft or 
unauthorized use, at the address provided on the billing statements. 
However, if ten (10) or more Cards are issued to the Business’ 
employees, the Business shall be liable for all unauthorized use. The 
Business agrees that any liability the Authorized Cardholder separately 
may have to the Business for the unauthorized use of the Card shall be 
the lesser of $50 or the amount obtained by the unauthorized use.   

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