The former bookkeeper for a plant nursery on Maui pleaded guilty Wednesday in U.S. District Court to wire fraud for stealing more than $1.3 million from the business to pay off her credit cards and mortgage.

Thelma Pascua-Suyat faces a maximum 20-year prison term at sentencing in August. She will also have to pay back the money she stole, but the government is not asking the court to require Pascua-Suyat to forfeit any property. She is being represented by the federal public defender.

Pascua-Suyat told U.S. Magistrate Judge Rom Trader, “I was using their Bank of Hawaii account, without their knowledge, paying my own personal credit cards.”

The government says from December 2008 to January 2016, Pascua-Suyat stole $1,313,631 from Ki-Hana Nursery in Kihei. She spent $1,120,328 in 291 payments on another person’s American Express card, for which she was an authorized user. Pascua-Suyat spent $127,549 in 112 payments on her and the same individual’s Capital One credit cards and $65,753 in 33 mortgage payments on her personal residence, the government says.

The person for whom Pascua made credit card payments is not charged with any crimes and is identified as S.S.

The government says the mortgage payments were $2,028 and single credit card payments were as high as $11,572.

Pascua-Suyat worked for Ki-Hana from 2004 until her termination on or about January 2016.