If you have authorized us to pay your credit card bill automatically from your sav -
ings or checking account, you can stop the payment on any amount you think is 
wrong.  To stop the payment your letter must reach us three business days before 
the automatic payment is scheduled to occur.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR 
WRITTEN NOTICE
We must acknowledge your letter within 30 days, unless we have corrected the 
error by then.  Within 2 complete billing cycles, but no longer than 90 days, we 
must either correct the error or explain why we believe the bill was correct.
After we receive your letter, we cannot try to collect any amount you question, or 
report you as delinquent.  We can continue to bill you for the amount you ques -
tion, including finance charges, and we can apply any unpaid amount against 
your credit limit.  You do not have to pay any questioned amount while we are 
investigating, but you are still obligated to pay the parts of your bill that are not 
in question.
If we find that we made a mistake on your bill, you will not have to pay any finance 
charges related to any questioned amount.  If we did not make a mistake, you may 
have to pay finance charges, and you will have to make up any missed payments 
on the questioned amount.  In either case, we will send you a statement of the 
amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report you as delin -
quent.  However, if our explanation does not satisfy you and you write to us within 
ten days telling us that you still refuse to pay, we must tell anyone we report you 
to that you have a question about your bill.  And, we must tell you the name of 
anyone we reported you to.  We must tell anyone we report you to that the matter 
has been settled between us when it finally is.
If we do not follow these rules, we cannot collect the first $50 of the questioned 
amount, even if your bill was correct.
SPECIAL RULE FOR CREDIT CARD PURCHASES
If you have a problem with the quality of property or services that you purchased 
with a 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 property or services.   There are two limitations on this right:
a.  You must have made the purchase in your home state or, if not within 
your home state, within 100 miles of your current mailing address; 
and
b.  The purchase price must have been more than $50.
Any other disputes you must resolve directly with the plan merchant. These limi -
tations do not apply if we own or operate the merchant, or if we mailed you the 
advertisement for the property or services.
 
                                  In this Agreement, the words "you" and "your" refer to each and all of the 
persons who apply for a credit card issued by us.  The words "we," "us," "our," 
"Credit Union," "Reliant," and "Reliant Credit Union" mean Reliant Community 
Federal Credit Union. "Card" means our Visa Platinum Credit Card and any 
duplicates and renewals we issue.  "Checks" means checks or other with -
drawal mechanisms that may be used in connection with a Card account and 
which, upon use, create cash advances.
You agree to the terms of this Agreement when you accept or use a Card 
or Check.
NOTICE TO CARD USER (YOU)
1. DO NOT USE THE CARD BEFORE YOU READ THIS AGREEMENT OR IF IT 
CONTAINS ANY BLANK SPACES.
2. YOU MAY AT ANY TIME PAY YOUR TOTAL INDEBTEDNESS UNDER THIS 
CREDIT AGREEMENT.
HOW TO USE YOUR CARD
You may use your Card to purchase, rent, or lease goods or to purchase ser -
vices ("purchases") from persons who honor the Card. You may also obtain 
loans ("cash advances") from any bank, credit union, or other financial institu -
tion that accepts the Card or by using Checks we may provide you for that 
purpose.  Checks may not be used to make payment on any Credit Union 
credit accounts.  A Card or Check may not be used for an illegal transaction, 
such as unlawful gambling.
You can also use your Card to complete a transaction by using your Personal 
Identification Number (PIN) in conjunction with the Card in an Automated 
Teller Machine (ATM) or other type of electronic terminal that provides ac -
cess to the VISA PLUS Network. An ATM withdrawal with a Card is a cash 
advance.  Your monthly statement will identify the merchant, electronic ter -
minal, or financial institution at which such transactions were made, but sales, 
cash advance, credit, or other slips cannot be returned with your statement.  
You will retain the copy of such slips furnished at the time of transaction in 
order to verify your monthly statement.  The Credit Union may charge you for 
photocopies of slips you request.
PAYMENT DUE DATE
Your payment due date will be on the same date each month. If the payment 
due date falls on a day when we do not receive or accept payments (including 
weekends and holidays), payments received on the next business date will 
not be considered late. 
CREDIT LIMIT
The total amount of credit outstanding at any time, together with all charges 
we make against your account as provided in this Agreement, must not be 
more than your credit limit. We will tell you your credit limit when we send 
your Card to you and on each monthly statement. However, if the outstanding 
balance temporarily exceeds the credit limit, you agree to repay the excess 
immediately, even if we have not yet issued a bill. Obtaining excess credit 
does not increase the credit limit.  We may change your credit limit from 
time to time without advance notice to you, unless you are under the age of 
21. Credit limit increases for those under age 21 can only be considered if any 
cosigner approves of the increase in writing and assumes joint liability for the 
increase. You can apply for an increase in your credit limit at any time but 
credit limit increases must be approved by us in accordance with our lending 
policies and procedures. We may also revoke your Card and terminate this 
Agreement.  We will notify you if we do so.
REPAYMENT
You promise to pay us the amounts of all credit you obtain, any insurance 
payments and other fees we charge against your account, and FINANCE 
CHARGES  as described in the  FINANCE CHARGE  paragraph.
 
You may pay the entire amount outstanding at any time.  Each month  you 
must pay at least the Minimum Payment on your monthly statement within 
25 days of your statement closing date.  The minimum payment each month 
will be the sum of:
�  2.5% of the Total New Balance
� ("Total New Balance" is the previous balance minus payments and 
credits; plus purchases, cash advances, and any finance charges.)
� the amount of any past due payment(s)
� any late fee amount(s)RELIANT COMMUNITY FEDERAL CREDIT UNION
VISA PLATINUM CREDIT CARD PLAN AGREEMENT
September 2020
M-132069 EAC 9/2020REQUESTS FOR CREDIT
This Agreement also applies to any amount in excess of your credit limit.  If you re -
quest credit in any form which, if granted, would result in your total outstanding bal -
ance, including authorized purchases not yet posted to your account, being more 
than your credit limit (whether or not the balance before the request was more than 
the credit limit), we may
1. honor the request without permanently raising your credit limit;
2. honor the request and treat the amount which is more than your credit   
limit as  immediately due; or
3. refuse to honor the request.  We may advise the person who made the 
request that it has been refused.
If we refuse to honor a Check, we may do so by advising the person presenting the 
Check that credit has been refused, that there are insufficient funds to pay the Check, 
or in any other manner.
If we have previously honored requests for credit over your credit limit, it does not 
mean that we will honor further over-limit requests.
SETOFF RIGHTS
With respect to this account only, we will not assert any setoff rights we may have 
by statutory right or otherwise if you are in default to prevent withdrawal of your 
unpledged Credit Union shares.
EFFECT OF AGREEMENT
This Agreement is the contract which applies to all transactions on your account even 
though the sales, cash advance, credit, or other slips you sign or receive may contain 
different terms. If any part of this Agreement is found to be invalid, the rest remains 
effective.  Our failure to exercise any of our rights under this contract does not mean 
that we are unable to exercise those rights later.
GOVERNING LAW
This Agreement is governed by New York law except to the extent that Federal Laws 
and Regulations may apply.
CREDIT INFORMATION
From time to time, we may require you to provide us with updated credit information. 
We may obtain consumer credit reports and information about you for updates, re -
newals, extensions of credit, reviews of your Account, collection of your Account, and 
any other permissible purpose. We may report information relating to your account 
and the use of this Card to Credit Reporting Agencies.  The Card(s) is our property.  
You must return it to us on request.
VISA ACCOUNT UPDATER - OPT-OUT
You will be automatically enrolled in the Visa Account Updater service. This service 
will update your credit  card number and/or expiration date with only third parties 
that you have elected to share this information and that participate in the program.  If 
you wish to opt-out of this service, contact us at 1-800-724-9282.
YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and our responsibilities 
under the Fair Credit Billing Act.
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL
If you think your bill is wrong, or if you need more information about a transaction on 
your bill, write us on a separate sheet at the following address:  Reliant Credit Union, 
10 Benton Place, PO Box 40, Sodus, NY 14551-0040 or email to reliant@reliantcu.com.  
Write to us as soon as possible.  We must receive your written notice at this address 
no later than 60 days after we sent or made available the first statement on which the 
error or problem appeared.  You can telephone us, but doing so will not preserve your 
rights.  Please give the following information:
� Your name and account number (do not include account number if sending 
notification by email).
� The dollar amount of the suspected error.
� Describe the error and explain why it is wrong.  If you need more informa -
tion, describe the item you are not sure about.
 The minimum payment will be rounded up to the next whole dollar.  Your mini -
mum payment will always be at least $15.00 or the Total New Balance, whichever 
is smaller.  No interest shall be earned or paid on amounts owed to you by the 
Credit Union. We will allocate the amount of your payment equal to the Total 
Minimum Payment Due to the lowest APR balances first.  Payments in excess of 
the minimum payment will be applied first to the balance bearing the highest 
APR, and then to each successive balance bearing the next highest APR until 
the payment is exhausted. All payments will be credited to your account for the 
billing cycle in which payment is received.  You may not make a Minimum Pay -
ment prior to the commencement of the billing cycle for which the payment is 
intended.  You may pay more frequently, pay more than the Minimum Payment, 
or pay the Total New Balance(s) in full and you will reduce the FINANCE CHARGE  
by doing so.  We can accept late payments or partial payments or checks or 
money orders marked "payment in full" or with words having a similar meaning 
without losing any of our rights under this Agreement.  In addition, at any time 
your Total New Balance exceeds your Credit Limit you must immediately pay the 
excess upon demand.
Existing balances will be subject to an increase in an APR in the following cases:
A change in the variable rate due to a change in the Index; 
or
The expiration of a rate for a specified period of time (e.g. introductory or pro -
motional period) 
disclosed clearly before the start of the time period.
FOREIGN TRANSACTIONS 
Purchases made in foreign currencies will be charged to the Card account in U.S. 
dollars. The exchange rate for international transactions will be a rate selected by 
Visa from the range of rates available in wholesale currency markets, which may 
vary from the rate Visa itself receives, or the government-mandated rate in effect 
for the applicable central processing date, which may not be the same date as the 
transaction date or posting date.
PAYMENT HOLIDAYS
We may allow you, from time to time, to omit a monthly payment.  We will notify 
you as to any month in which the option is available.  If you omit a payment, FI-
NANCE CHARGES and insurance charges, if any, will continue to accrue on your 
balance.  A payment holiday does not extend the period within which you must 
pay the Total New Balance in order to completely avoid a FINANCE CHARGE  on 
purchases.  A minimum payment will be due in the month following the month in 
which you skip your payment.
OTHER CHARGES   (See the Visa Disclosure for current fees.)
1. Annual Fee: You will not be charged an annual fee.
2. Late Fee: Each time you fail to make a required payment within 10 days 
after the Payment Due Date shown on the monthly statement to which 
the payment relates, you will be charged a late fee on statement closing 
date thereafter without any grace period until the required payment 
is made.
3. Returned Payment Fee: If your payment is returned for any reason, you 
will be charged a return payment fee.
4. Insufficient Funds Fee: If you use a Check and there is not enough avail -
ability under the credit limit to cover it you will be charged an insuf -
ficient funds fee.
5. Expedited Card Delivery Fee: If you request a rush on your replacement  
card, we may charge a rush fee.
FINANCE CHARGE
The FINANCE CHARGE  (interest) is calculated at a monthly periodic rate deter -
mined by dividing the applicable ANNUAL PERCENTAGE RATE  by twelve.  The  
ANNUAL PERCENTAGE RATE  is subject to change quarterly. You have a 25 day 
grace period on your purchase balance and for new purchases if you pay the Total 
New Balance for purchases by the Payment Due Date on your last statement.  You 
also have a 25 day grace period for new purchases if you did not have a purchase 
balance on your last statement.  The grace period starts on the statement clos -
ing date.  If you do not pay the Total New Balance for purchases by the end of 
the grace period, A FINANCE CHARGE  will be imposed on the unpaid purchase 
balance from the first day of the next billing cycle and on new purchases from 
the date they are posted to your account.  A FINANCE CHARGE  is imposed on 
cash advances, convenience checks, and balance transfers from the date they 
are posted to your account.  Separate average daily balances are calculated for 
purchases and cash advances.  The FINANCE CHARGE  is calculated by multiply -
ing the average daily balances by the monthly periodic rate.  To get each average 
daily balance, the daily balances for purchases and cash advances for the billing 
cycle are added and the totals are divided by the number of days in the cycle.  To get the daily balance for cash advances, new cash advances are added 
to the day's beginning balance and payments and credits are subtracted.  
To get the daily balance for purchases, new purchases are added to the 
day's beginning balance and payments and credits are subtracted; how -
ever, new purchases are not added if you paid the Total New Balance for 
purchases on your last statement by the Payment Due Date or if you did 
not have a purchase balance on your last statement.  Unpaid fees and 
finance charges from the prior month are included in the calculation of 
the average daily balance. A FINANCE CHARGE  will continue to accrue 
on your account until what you owe under this Agreement is paid in full.
VARIABLE RATE, MARGIN, AND INDEX
The ANNUAL PERCENTAGE RATE  is a variable rate.  The variable rate is 
determined by adding a specified number of percentage points, called 
the �Margin�, to an �Index.�  The Margin is based on your credit history. 
Your Margin will be assigned on a date determined by us every six months 
based on a review of your credit history and will remain in effect until the 
new review of your credit history .  
Exception for New Accounts: The assigned Margin that will be in place 
following the introductory rate period will not change during the initial 12 
months after the account is opened. 
The �Index� is the highest Prime Rate published in The Wall Street 
Journal on the last business day of the month preceding the current 
calendar quarter. This means that the Index may change every three 
months. Any change will occur on the first day of the billing cycle during 
the months of January, April, July, and October. The variable rate will 
never be greater than the Ceiling Rate of 18.00% APR. Your ANNUAL  
PERCENTAGE RATE  will increase or decrease when the Prime Rate 
changes. Your ANNUAL PERCENTAGE RATE  may increase or decrease 
when your credit history is reviewed annually.  
An increase in the ANNUAL PERCENTAGE RATE  may cause you to pay a 
larger Periodic FINANCE CHARGE  and will usually result in an increase in 
your minimum monthly payment.  An increase in the APR due to a change 
in the Margin requires a 45-day written notification prior to the effective 
date of the rate increase. 
INSURANCE
Group credit insurance providing coverage to pay your account in the 
event of loss of life or disability may be offered to you from time to time.  
PURCHASE OF THIS INSURANCE IS STRICTLY OPTIONAL.   If purchased, 
the insurance will protect us if an event occurs for which benefits are pro -
vided.  Please contact us for additional "Description of Coverage" details.  
We determine the cost of this insurance by multiplying the insurance 
rate then in effect by your Total New Balance on each billing date.  Auto 
Rental Collision Damage and Travel Accident insurance are provided at 
no cost to you. Other cardholder benefits may also be available.
RESPONSIBILITY
If we issue you a Card, you agree to repay all debts and the FINANCE 
CHARGE  arising from the use of the Card and the Card account. If this 
Agreement applies to a joint account, you are individually and together 
responsible for any balance outstanding.   You are responsible for charges 
made by anyone else to whom you give the Card, whether or not the per -
son stays within the limits of use set by you; this responsibility continues 
until the Card is recovered. 
You cannot disclaim responsibility by notifying us, but we will close the 
account for new transactions if you so request and you return all Cards.  
Your obligation to pay the account balance continues even though an 
agreement, divorce decree, or other court judgment to which we are not 
a party may direct one of you or another person to pay the account.
STATEMENTS
As required by law, we will send you a monthly statement that will show 
all balance transfers, cash advances, purchases,  FINANCE CHARGES,  
other charges (except expedited card delivery fees which will be shown 
on your share account statement), payments, and credits posted to your 
Account during the billing cycle covered by the statement. The statement 
will show your Previous Balance, your Total New Balance, and the Pay -
ment Due Date by which we must receive your minimum monthly pay -
ment. Your statement will also include information on how long it will take 
you to pay off your balance if you only make the minimum payment each 
month and do not make any additional charges. If there is more than one 
of you, we will send the monthly statement only to the person named in 
our system as the primary account holder. REASONS FOR REQUIRING BALANCE DUE
You will be in default and we can require immediate payment of all amounts you 
owe if:
             �  you fail to make any required payment by the due date;
             �  your total balance exceeds your credit limit; or 
             �  you fail to abide by any other term of this Agreement.
You will also be in default if your ability to repay us is materially reduced by a 
change in your employment, an increase in your obligations, bankruptcy or insol -
vency proceedings involving you, or your death.  We have the right to demand 
immediate payment of your full account balance if you default, subject to our 
giving you any notice required by law. Collateral securing other loans with us may 
also secure this loan.
Our failure to exercise any of our rights when you default does not mean that we 
are unable to use those rights upon later default. 
COLLECTION COSTS AND ATTORNEY FEES
Unless prohibited by applicable law, if you default, we can also require you to 
pay collection and court costs we actually incur in a collection proceeding, and 
a reasonable attorney's fee if we refer your account for collection to an attorney.
RETURNS AND ADJUSTMENTS
Merchants and others who honor the Card may give credit for returns or adjust -
ments, and they will do so by sending us a credit which we will post to your 
account.  If your credits and payments exceed what you owe us, we will hold and 
apply this credit balance against future purchases and cash advances, or if it is $1 
or more, refund it on your written request. After 6 months, Reliant will refund the 
balance with no written request required.
REFUSAL TO HONOR
We are not liable for any refusal to honor your Card or Checks or for any reten -
tion of your Card by us, any other financial institution, or any seller or lessor of 
goods or services.
TERMINATION
We may suspend or terminate your rights to obtain credit at any time for any rea -
son. Your obligations under this Agreement continue after the Agreement is ter -
minated.  We can terminate or suspend use of your Card or Checks without prior 
notice or reissue a different Card or Checks at any time.  If we ask, you will cut the 
Card or Checks in half and surrender them to us or our agent, or mail them to us.
AMENDMENTS (Changes)
We may amend this Agreement by notifying you of the Amendment(s), here -
inafter called the Change(s). The notice will tell you the effective date of the 
Change(s).  The notice will inform you if you have the right to reject a Change.  
We may at any time add new credit card services or replace your Card with an -
other Card.
UNAUTHORIZED USE OF YOUR CARD
Visa's Zero Liability policy provides you with complete protection from unau -
thorized use of your card or account information.  Your liability for unauthorized 
transactions is $0.   If you give your Card to someone, all of their use is considered 
authorized by you. You should report all unauthorized use of your credit card to 
Reliant Community Federal Credit Union, 10 Benton Place, PO Box 40, Sodus, NY 
14551 (Telephone 1-800-724-9282).
LOST CARD NOTIFICATION
If you believe your Card(s) has been lost or stolen, you will immediately telephone 
the Credit Union at 1-800-724-9282.  After Credit Union hours call 1-800-654-
7728.
CANCELLATION
You may cancel your Card account at any time by notifying us in writing and 
returning the cut in half Card(s) and Checks issued to you in connection with this 
account.  However, you remain responsible to pay the amount you owe us accord -
ing to the terms of this Agreement.