St. Mary’s Bank 
 CONSUMER CREDIT CARD AGREEMENT & DISCLOSURE 
STATEMENT FOR SECURED VISA® CREDIT CARD 

This Agreement applies to the VISA® Credit Card Account established 
for you by St. Mary’s Bank. Any Card issued to you by us remains our 
property and must be returned to us or to anyone we designate or 
confirmed by you as destroyed, upon request. Retaining, signing or 
using, or permitting others to use, the Card or Credit Account is the 
same as signing this Agreement, and means you agree to be bound by 
the terms of this Agreement.  All capitalized terms used in this 
Agreement but not otherwise defined shall have the meanings set forth 
below in the paragraph below with the heading “Definitions.”  Unless 
otherwise specifically stated herein, all dollar amounts set forth in this 
Agreement refer to U.S. Dollars.   

SECURITY INTEREST IN DEPOSIT ACCOUNTS 

This Agreement is a security agreement for your St. Mary’s 

Bank Secured Visa® Credit Card. As a condition of opening this 
Credit Account, you are required to maintain funds in your name in 
a deposit account established with St. Mary’s Bank (the “Deposit 
Account”) that must be in at least the same amount as the specific 
credit limit before the Credit Account may be used. 

You grant St. Mary’s Bank a security interest in the Deposit 

Account including any additions to, proceeds from, substitutions 
or renewals of that Deposit Account, and agree and acknowledge 
that the funds in the Deposit Account shall serve as collateral for 
the St. Mary’s Bank Secured Credit Card (the “Security Interest”). 
You acknowledge and agree that the Security Interest in the Deposit 
Account granted to St. Mary’s Bank is to secure payment on all 
existing and future obligations under your Agreement and on your 
Credit Account. You also agree that the Security Interest provides 
St. Mary’s Bank the right to redeem, collect, and withdraw any part 
of the full amount of the Deposit Account upon any Default (as 
defined below) under the Agreement or in the event your Credit 
Account is terminated for any reason by either you or St. Mary’s 
Bank.  If the Credit Account closes for any reason, St. Mary’s Bank 
may apply funds in the Deposit Account to pay off any balance on 
the Credit Account without giving you prior notice.  These funds are 
not held in trust for you.  Further, upon any Default, St. Mary’s Bank 
is authorized to act as owner of the Deposit Account and to apply 
all or any portion to: (a) any costs in enforcing our rights 
hereunder; (b) the interest and fees relating to the balance on the 
Credit Account; and (c) the principal balance on the Credit Account. 
St. Mary’s Bank is irrevocably appointed as attorney-in-fact to 
execute any instruments required to satisfy the balance on the 
Credit Account. This Agreement is governed by the laws of the 
State of New Hampshire. Any rights of St. Mary’s Bank stated in this 
Agreement are in addition to any others we have under applicable 
law.  If there is a conflict regarding the Security Interest between 
this Agreement and any other agreement governing the Credit 
Account or Deposit Account, this Agreement will control. 
If St. Mary’s Bank chooses not to, or otherwise fails to apply your 
funds in the Deposit Account toward amounts owed on the Credit 
Account or otherwise owed under this Agreement, you agree that: 
(a) St. Mary’s Bank does not waive any right it has to do so at any 

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later time, and to the extent not prohibited by law, St. Mary’s Bank 
may apply such funds at any time, at its sole discretion; (b) you are 
not excused from performance or payment of any obligation owing 
with respect to the Credit Account or under this Agreement.  You 
waive any defense you may have against St. Mary’s Bank. St. 
Mary’s Bank may exercise its rights against the Deposit Account 
even if you are no longer liable on the Credit Account because of a 
statute of limitations or any other reasons. 

Once the Credit Account is opened, no funds in the Deposit 

Account will be available to you up to the Credit Limit for 
withdrawal or to secure another loan until at least ten (10) business 
days following payoff and closure of the Credit Account. You may 
access available funds in the Deposit Account that are in excess of 
your Credit Limit. 

St. Mary’s Bank may convert your Deposit Account to 

another similar product offered by St. Mary’s Bank at any time by 
giving you prior written notice.  If, after such notice, you do not 
close your Credit Account and Deposit Account, it may convert to 
the different product on the date provide in the notice and shall 
remain subject to the Security Interest granted herein. 

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: 

“Credit Account” means the open-end revolving credit account 
established pursuant to your 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 Credit Account may be 
accessed in the future. 
“Agreement” means this Credit Card Agreement and Disclosure 
Statement, which includes the disclosures and other information 
provided on the Card Mailer, as well as the Application. 
“APR” means the Annual Percentage Rate corresponding to the 
MPR (as defined below) described in the “Interest Charges” section 
below. 
“Application” means the application for credit you signed or 
otherwise submitted to request us to extend credit to you under the 
Credit Account. 
“Authorized User” means any person you permit to use the Credit 
Account or who has apparent authority to use the Credit Account. 
“Card” means each VISA® credit card issued to you or, at your 
request, to an Authorized User by us for use with the Credit Account.  
“Card Mailer” means the folder sent with each Card. 
“Cash Advance Limit” means that portion of your Credit Limit that is 
available to be used for Cash Advances. 
“Credit Limit” means the total dollar amount of credit available to you 
under the terms of this Agreement.  
“We”, “us” and “our” refer to St. Mary’s Bank with a principal address 
in the State of New Hampshire at 48 Perimeter Road Manchester, 
NH 03103. 
“You” and “your” refer to each person who signed the Application or 
who otherwise agreed to be responsible for the Credit Account. 

Using Your Credit Account. You may use your Credit Account as 
follows: (1) “Purchases”: you may purchase or lease goods and 

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services from any merchant who honors the Card; (2) "Cash 
Advances": you may 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, provided the issuer of such 
items honors the Card, and (d) by making tax or other payments; and 
(3) "Balance Transfers": you may request us to transfer to your Credit 
Account a balance that you owe to another creditor and, if we approve 
your 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 Credit Account. Neither 
we nor our agents will be responsible or have any liability for refusing to 
authorize any transaction, even if you have credit available under your 
Credit Limit.  

Illegal, Online Gambling and other Prohibited Transactions: Your 
Credit Account may not be used for business or commercial purposes. 
You further agree not to use your Credit Account for any transaction that 
would violate any applicable law in the State of New Hampshire, your 
state of residence or any other jurisdiction affected by the transaction. 
You agree that it is your obligation to determine the legality of a 
transaction before you enter into such transaction. You also agree not to 
use your Credit Account for any Internet or online gambling transaction, 
even if it would be considered legal in any of the jurisdictions referenced 
above. Charges to your Credit Account will not be permitted in any 
country or territory, or with any individual or entity that is subject to U. S. 
Department of the Treasury's Office of Foreign Assets Control (OFAC) 
economic sanctions.  We may refuse to authorize any transaction 
referred to in this section. To the fullest extent permitted by law, you 
agree to pay for any Card transaction, even if that transaction is 
determined to be illegal or prohibited under this paragraph.  

Promise to Pay. You promise to pay us for all Purchases, Cash 
Advances and Balance Transfers on your Credit Account, whether made 
by you or anyone whom you allow to use your Credit Account or you 
allow access to your Card. You also agree to pay any and all Interest 
Charges (as defined below), fees and all other amounts owed under this 
Agreement. If you have a joint Credit Account, each of you is jointly and 
severally responsible for all amounts owed under this Agreement. Any 
notice received from any individual responsible on the Credit Account 
shall be deemed to apply to all responsible parties. If we receive 
conflicting notices from responsible parties, we may choose which one to 
honor. We will not be liable to you or anyone else because we choose to 
honor a notice or request from any one of you. 

Refunds and Adjustments. You agree that, for any refund, adjustment, 
or credit allowed by any merchant or other person or entity, you will not 
accept cash, but only credit to the Credit Account, which will appear on 
your monthly billing statement described below. 

Monthly Billing Statements We will send you a billing statement at the 
end of each monthly billing cycle if the Credit Account then has a credit 

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or debit balance of more than One Dollar ($1.00), a finance charge has 
been imposed, or we are required to do so by applicable law. You agree 
to promptly review each billing statement, and notify us about any errors 
or questions you have as provided in “Your Billing Rights” Notice 
attached hereto and incorporated herein as Exhibit A (the “Notice”). If 
you do not provide us timely notification as provided in the Notice, we 
will assume that you agree with all information in the billing statement 
and that such information is correct. Among other information, each 
statement will show all Purchases, Cash Advances, Balance Transfers, 
Interest Charges, fees and any other debits or credits to the Credit 
Account during that billing cycle, along with the unpaid balance at the 
end of that billing cycle (the “New Balance”), the minimum amount of 
your next payment (the “Minimum Payment Due”), and when your next 
payment is due (the “Payment Due Date”). 

Minimum Payment Due. If the New Balance shown on the statement 
for any billing cycle is less than Thirty Dollars ($30.00), the Minimum 
Payment Due for that cycle will equal the New Balance. If the New 
Balance for any billing cycle equals or exceeds Thirty Dollars ($30.00), 
the Minimum Payment Due for that cycle will be: (1) the greater of: (A) 
three percent (3%) of the New Balance, (B) Thirty Dollars ($30.00), or 
(C) the sum of any unpaid Interest Charges, any unpaid fees, and one 
percent (1%) of the New Balance; plus (2) any unpaid Minimum 
Payments Due from earlier billing cycles and any amount of your New 
Balance that exceeds your Credit Limit or Cash Advance Limit. 
Payments must be made in U.S. dollars drawn on a U.S. Bank. You may 
pay more than the Minimum Payment Due at any time. You will not owe 
us any additional charge for any payment made prior to the Payment 
Due Date. If you pay more than the Minimum Payment Due in one billing 
cycle, you still have to pay the full Minimum Payment Due in the future 
cycles. You cannot increase your available credit by paying more than 
the unpaid balance on the Credit Account. 

Payments on the Credit Account. Each payment required under this 
Agreement must be made on or before the Payment Due Date shown on 
the monthly billing statement. To ensure prompt processing, you must 
pay us in U.S. dollars, by mailing your personal check or money order, 
along with the payment stub from current monthly billing statement, to 
the address shown on that statement. Do not send cash. If you do not 
follow these instructions, this may delay credit of the payment. Provided 
the requirements of this paragraph are followed, all payments on the 
Credit Account received by 5:00 p.m. during our normal business day at 
the address shown on your monthly billing statement are considered to 
have been made on the date received at that address, including 
payments made in person at St. Mary’s Bank branch locations. To the 
fullest extent allowed by applicable 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 Credit Account and 
this Agreement. If you pay us with a check or similar instrument marked 
with “payment in full” or similar words, you must send it to the address 
set forth in the Notice. Subject to any restrictions under 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 to 
collect any amounts remaining outstanding on the Credit Account 
pursuant to this Agreement. We will apply your payments to the unpaid 
balance of the Credit Account in the order and manner we decide, unless 

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restricted by an applicable law.  After receipt of payments on the Credit 
Account, St. Mary’s Bank may withhold the release of available credit 
equal to the amount of the payment for a period of time to ensure that 
sufficient funds are available. 

Disputed Payments. If you dispute any amount we say you owe under 
this Agreement, you must notify us in writing at St. Mary’s Bank Credit 
Card Services, P.O Box 84032, Columbus, Georgia 31908-4032 in 
accordance with the requirements set forth in the Notice.  

Payment Holidays. At our option we may permit you from time to time 
to skip making the Minimum Payment Due for a specified billing cycle 
(referred to as a "Payment Holiday"). Even if you accept such a Payment 
Holiday, we will continue to assess Interest Charges on the unpaid 
balances of the Credit Account. Any Payment Holiday we permit will not 
otherwise affect the terms of this Agreement.  

Credit Limit; Cash Advance Limit. You agree not to use or permit 
others to use the Card or the Credit Account if such use would cause 
either (i) the balance of the Credit 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 Credit Account are shown on the Card 
Mailer and will also be disclosed on each monthly billing statement for 
the Credit Account. We may, at our option, extend credit under the 
Credit Account which exceeds the Credit Limit or the Cash Advance 
Limit. If we do, you agree to pay the excess which we advanced to you 
over either of the applicable limits on or before your next Payment Due 
Date. We are not obligated to allow any Purchase, Cash Advance or 
Balance Transfer which would cause your Credit Account balance or 
Cash Advance Balance to exceed your 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 your Credit Limit and/or Cash 
Advance Limit at any time, subject to any restrictions of applicable law. 
We may terminate your ability to obtain additional credit under this 
Agreement if you exceed the Credit Limit or the Cash Advance Limit. 

Interest  Charges.  Each  billing  cycle,  we  will  charge  interest  to  you 
based on the average daily balance for each type of transaction on your 
Credit  Account  (“Interest  Charges”).  By  type  of  transaction,  we  mean 
Purchases,  Cash  Advances,  Balance  Transfers  and  any  transactions 
subject to a special offer APR. To compute the Interest Charges owed on 
your Credit 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 your Credit Account for the billing cycle. If you are charged interest for 
any  billing  cycle,  the  Interest  Charge  will  be  no  less  than  One  Dollar 
($1.00). 

Average Daily Balances Used to Compute Interest. To get the 
average daily balance for each type of transaction on your Credit 
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 

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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 Credit Account: Annual Fee, 
Foreign Transaction Fee, Late Fee, Returned Payment Fee, Expedited 
Delivery Fee, Pay-by-Phone Fee, and any amounts permitted under the 
section titled “Attorney’s 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 Credit Account. Any Balance Transfer Fee 
will be added to the daily balance for Balance Transfers on the date it is 
posted to the Credit Account. If any daily balance is less than zero we 
treat it as zero. 

Interest  Rates.  We  calculate  how  much  interest  you  owe  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  twelve  (12).  The  interest 
rates that apply to your Credit Account are shown on the Card Mailer and 
each  monthly  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  your 
variable  APRs  on  the  first  day  of  your  billing  cycle  that  begins  in  the 
month  immediately  following  the  change  in  the  index.  If  your  APRs 
increase, the amount of interest you will owe and the Minimum Payment 
Due may increase.  

Grace Period/Paying Interest. Your Payment Due Date is at least 
twenty-five (25) days after the close of each billing cycle. We will not 
charge you any interest on Purchases if you pay your entire New 
Balance by the Payment Due Date each month. No Interest Charge will 
be imposed on new Purchases posted to your Credit 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 Credit 
Account during the 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 Credit 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 you. For example, we 
may offer a reduced interest rate. Such offers may apply to all 
transactions or balances on your Credit Account, or only to some 
transactions or balances. We will tell you what terms of the special offer 

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differ from the terms of this Agreement. Except as we tell you in a special 
offer, the rest of this Agreement will still apply to your Credit Account. 

Fees. You agree to pay the following fees, as applicable:  

Annual Fee. If this fee applies to your Credit Account, the amount of the 
fee is shown on the Card Mailer. This fee will be charged to your Credit 
Account when we issue the Card, and annually at the end of the month 
that includes the anniversary date of the opening of the Credit Account. 
Payment of the fee is a condition for maintaining the Credit Account. The 
fee will be charged regardless of whether you use the Credit Account, 
and is not refundable even if the Credit Account is closed for any reason 
by either you 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. 

  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 your 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 your Account is returned unpaid for any 
reason. The amount of this fee will be up to $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. 

Other Fees: 
  Pay-by-Phone Fee. A fee of $10 if you request us to electronically 
debit your deposit or other account for a payment on the Account, 
and we honor your request.  

  Expedited Delivery Service Fee. Except as provided below, a $30 

fee if you request and we agree to arrange for expedited delivery of 
any Card to you (for example, by an overnight delivery service).  

  Convenience Check Stop Payment Fee:  A Fee of $25 per 
occurrence if you request us to place a Stop Payment on 
Convenience Checks drawn against your Account. 

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  Document Fee: A Fee of $10 per item if you request 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 your Credit 
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 you make a return or get a refund, the same 
procedures shall 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. 

Termination. We may reduce the Credit Limit or terminate your ability to 
receive additional credit under this Agreement at any time without notice, 
in accordance with applicable law. You may terminate your ability to 
receive additional credit under this Agreement by giving us notice of 
termination and returning to us or confirming in writing to us destruction 
of all Cards. Termination by you will be effective after we have received 
your written notice and had a reasonable opportunity to act on it. If your 
ability to receive additional credit under this Agreement is terminated, 
either by you or by us, this Agreement is not terminated. Your obligations 
and our rights under this Agreement shall remain effective until all 
amounts due under this Agreement have been paid in full. If no Default 
has occurred at the time of termination, you may pay off any balance 
under the terms of this Agreement that apply at that time.  

Default. You will be in default with no further notice from St. Mary’s Bank 
under this Agreement upon the occurrence of any of the following 
events: (1) you fail to make any payment required under this Agreement 
when due; (2) you fail to perform or abide by any of your agreements or 
obligations under this Agreement or any other loan agreement you have 
with us or with any other creditor; (3) you become insolvent (meaning 
your liabilities exceed your assets or you are unable to pay your debts as 
they become due); (4) any action is taken by or against you under any 
bankruptcy or insolvency laws; (5) any attachment or garnishment 
proceedings are initiated against you; (6) you die or are declared 
incompetent; (7) you withdraw or transfer from the Deposit Account any 
funds in which St. Mary’s Bank holds a Security Interest under this 
Agreement; (8) you have given the Bank false or misleading information 
or misrepresentations; (9) we, in good faith, believe the prospect of your 
payment or performance under this Agreement is impaired; or (10) you 
fail or refuse to provide current financial information to us when we 
request it (in each instance a “Default”). Upon the occurrence of any 
Default, all amounts you owe under this Agreement will become 
immediately due and payable in full. The Bank may also exercise all the 
rights of an owner of the Deposit Account.  You must also return to us or 
confirm in writing to us destruction of all Cards issued to you in 
connection with the Credit Account. The occurrence of a Default shall not 
release you from any obligation you have incurred under this Agreement. 
Following the occurrence of a Default, your obligations and our rights 
under this Agreement shall remain effective until all amounts due under 
this Agreement have been paid in full.  

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Attorney’s Fees and Other Collection Costs. You agree to pay the 
costs we incur following the occurrence of a Default including any 
reasonable out-of-pocket attorney’s fees incurred to collect amounts you 
owe under this Agreement. We will not charge you for our collection 
costs if you owe us $300 or less or an applicable law says we may not. 
Any amounts you owe for these collection costs may be added to the 
outstanding balance of the Credit Account, and interest may be charged 
on these costs at the APR applicable to Purchases. 

Changing this Agreement. We reserve the right to amend this 
Agreement at any time by adding, deleting or changing provisions of this 
Agreement in compliance with applicable laws. We will tell you when any 
change will be effective and how it will apply to your Credit Account. All 
amendments will comply with the applicable notice requirements of 
applicable laws in effect at that time. If an amendment gives you the 
opportunity to reject the change, and if you reject the change in the 
manner provided in such amendment, we may terminate your rights 
under this Agreement and may require you to return the Card as a 
condition of your rejection. We may replace your Card with another Card 
at any time.  You may not change this Agreement unless we agree in 
writing to the change. 

Governing Law; Severability. This Agreement and your Credit Account 
will be governed by (1) applicable 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 is 
found to be invalid by a court of competent jurisdiction and venue, you 
agree the provision will be viewed as if it was amended to the extent 
necessary 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. You agree that we may obtain consumer credit reports 
from one or more credit reporting agencies or others in connection with 
opening or maintaining the Credit Account, determining the Credit Limit 
and Cash Advance Limit, or making any extension of credit to you under 
the Credit Account. We may also ask you for additional information in 
connection with the Credit Account and request credit reports to verify 
your current credit standing. You agree that we may release information 
to others, such as credit reporting agencies, regarding the status and 
history of the Credit Account. However, we are not obligated to release 
any such information unless required by law.  If you believe inaccurate 
information about you or your Credit Account has been furnished to a 
credit reporting agency, please write to us at St. Mary’s Bank Credit Card 
Services, P.O. Box 84032, Columbus, Georgia  31908-4032, including 
your name, address, phone number, and Credit Account number, and a 
detailed explanation of the information you believe has been reported in 
error. 

Notices. Any notices given under this Agreement or relating to the Credit 
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 you at your last address shown on our records. You agree to 
notify us immediately if your address changes from that shown on the 

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Application you submitted in connection with opening the Credit Account. 

Liability for Unauthorized Use.  If any Card is lost or stolen or the 
Credit Account otherwise may be used without your authorization, you 
must notify us immediately by calling us at 1.866.686.5210, or writing us 
at St. Mary’s Bank Credit Card Services, P.O Box 84032, Columbus, 
Georgia 31908-4032. You will not be liable for any unauthorized use that 
occurs after you notify us. You may, however, be liable for unauthorized 
use that occurs before your notice to us. In any case, your liability will not 
exceed Fifty Dollars ($50.00). 

YOUR BILLING RIGHTS •  

KEEP THIS NOTICE FOR FUTURE USE 

This notice tells you about your rights and our responsibilities 
under the Fair Credit Billing Act 

What to do if you find a mistake on your statement. 
If you think there is an error on your statement, write to us at St. Mary’s 
Bank Credit Card Services, P.O. Box 84032, Columbus, Georgia  
31908-4032 as soon as possible. In your letter, give us the following 
information: 

•  Account information: Your name and Credit Account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If you think there is an error on your bill, 
describe what you believe is wrong and why you believe it is a 
mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 
•  At least 3 business days before an automated payment is 
scheduled, if you want to stop payment on the amount you think is 
wrong. 

  You must notify us of any potential errors in writing. You may call us, 
but if you do we are not required to investigate any potential errors and 
you may have to pay the amount in question. 

If possible, please include in your correspondence the date of the 
transaction and the reference number for the charge. 

What will happen after we receive your letter. 
When we receive you letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we 
received your letter. We will also tell you if we have already 
corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the 

error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error:  

•  We cannot try to collect the amount in question, or report you as 
delinquent on the amount.  
•  The charge in question may remain on your statement, and we 
may continue to charge you interest on that amount.  

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•  While you do not have to pay the amount in question, you are 
responsible for the remainder of your balance.  
•  We can apply any unpaid amount against your Credit Limit. 

After we finish our investigation, one of two things will happen: 

•  If we made a mistake: You will not have to pay the amount in 
question or any interest or other fees related to that amount. 
•  If we do not believe there was a mistake: You will have to pay the 
amount in question, along with applicable interest and fees. We will 
send you a statement of the amount you owe and the date payment 
is due. We may then report you as delinquent if you do not pay the 
amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must 
write to us within 10 days telling us that you still refuse to pay. If you do 
so, we cannot report you as delinquent without also reporting that you 
are questioning your bill. We must tell you the name of anyone to whom 
we reported you as delinquent, and we must let those organizations 
know when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the 
first $50 of the amount you question even if your bill is correct. 

Your rights if you are dissatisfied with your credit card purchases. 
If you are dissatisfied with the goods or services that you have 
purchased with your 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 purchase.  

To use this right, all of the following must be true: 

1.  The purchase must have been made in your home state or 
within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither 
of these are necessary if your purchase was based on an 
advertisement we mailed to you, or if we own the company that 
sold you the goods or services.) 

2.  You must have used your credit card for the purchase. 
Purchases made with cash advances do not qualify. 

3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with 
the purchase, contact us in writing at St. Mary’s Bank Credit Card 
Services, P.O. Box 84032, Columbus, Georgia 31908-4032. 

  While we investigate, the same rules apply to the disputed amount 
as discussed above. After we finish our investigation, we will tell you 
our decision. At that point, if we think you owe an amount and you do 
not pay, we may report you as delinquent. 

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Account Opening Disclosures 

 Interest Rates and Interest Charges                        

Annual Percentage Rate 
(APR) for Purchases  

APR for Balance Transfers 

0.00% Introductory APR for seven cycles 
After that, your APR will be 14.95%. This APR will vary with the market based 
on the Prime Rate 
2.99% Introductory APR for twelve cycles 
After that your APR will be 14.95%. This APR will vary with the market based 
on the Prime Rate 

APR for Cash or ATM 
Advances 

14.95%.  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 Transfer Fee 

  Cash or ATM Advance 

Fee 

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. 

  Foreign Transaction Fee 

1% of the transaction amount in U.S. dollars. 

Penalty Fees 

  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 

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