was  made  from  a  plan  merchant  in  your  state  or  within  100  miles  of  your 
home; and only if you have made a good faith attempt, but have been unable 
to  obtain  satisfaction  from  the  plan  merchant.  You  must  resolve  all  other 
disputes directly with the plan merchant. We do not warrant any merchandise 
or services purchased by you with the Card. 

Statements and Notices.  Statements  and notices will  be mailed  to  you  at 
the  most  recent  postal  address  or  e-mail  address  (if  you  have  elected  to 
receive  such  documents  via  electronic  means)  you  have  given  us.  Notice 
sent to any one of you will be considered notice to all.  

 Notification of Address Change. You will notify us promptly if you change 
your address for  any reason. In order to prevent identity  theft, your  identity 
may need to be verified before we act upon the notification. 

Copy  Received.  You  acknowledge  that  you  have  received  a  copy  of  this 
Agreement.  

Governing Law.  This Agreement shall be construed under federal law  and 
state law in the state in which we are primarily located, and the venue shall 
be  located  in  the  county  and  state  in  which  we  are  primarily  located. 
Operating regulations of Visa or MasterCard may also apply. This Agreement 
is  the  contract  that  applies  to  all  transactions  even  though  the  sales,  cash 
advance,  convenience  check,  credit  or  other  slips  you  sign  or  receive  may 
contain different terms. 

NOTICE  TO  UTAH  BORROWERS:  This  written  agreement  is  a  final 
expression of the agreement between you and the Credit Union. This written 
agreement may not be contradicted by evidence of any oral agreement. 

Your Billing Rights: Keep this Document 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 the address(es) 
listed on your statement. 
In your letter, give us the following information: 

1.  Your name and account number. 
2.  The dollar amount of the suspected error. 
3.  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. 

What Will Happen After We Receive Your Letter 

When we receive your 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 

LANDINGS CREDIT UNION 
2800 South Mill Avenue, Tempe, AZ 85282 Maricopa County 

delinquent on that amount. 

•  The  charge  in question  may  remain  on  your  statement,  and  we  may 

continue to charge you interest on that amount. 

•  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 from an ATM or with a check that accesses 
your credit card account 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 the address(es) listed on your statement. 
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. 

LASER WORD FI13216 Rev 10-2014 

CREDIT CARD AGREEMENT 

IN  THIS  AGREEMENT,  "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO 
ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS 
ANY CREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU 
UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE 
"CREDIT  UNION"  MEANS  LANDINGS  CREDIT  UNION  OR 
ITS 
SUCCESSORS.  BY  USING  YOUR  CARD,  YOU  AGREE  TO  ALL  OF  THE 
TERMS AND CONDITIONS SET FORTH HEREIN. 

SECURITY:  YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL 
SECURITY  INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT  ACCOUNTS 
YOU  HAVE  WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE 
REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU 
ALSO  AGREE  THAT  WE  HAVE  SIMILAR  STATUTORY  LIEN  RIGHTS 
UNDER  STATE  AND/OR  FEDERAL  LAW.  THE  GRANTING  OF  THIS 
SECURITY  INTEREST  IS  A  CONDITION  FOR  THE  ISSUANCE  OF 
CREDIT  UNDER  THIS  AGREEMENT.  IF  YOU  ARE  IN  DEFAULT,  WE 
CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and 
deposits  in  an  Individual  Retirement  Account  or  any  other  account  that 
would lose special tax treatment under state or federal law if given are not 
subject to this security interest.  
If  you  have  other  loans  with  us,  collateral  securing  such  loans  may  also 
secure your obligations under this Agreement, unless that other collateral is 
your principal residence or non-purchase money household goods. 

Using Your Card. You can purchase or lease goods and services from any 
merchant who  honors  your  Card, and  you  may obtain  cash  advances  from 
financial  institutions  and  ATM  machines  that  accept  the  Card,  up  to  your 
maximum credit limit. You agree not to present your  Card or obtain a  cash 
advance  for  any  extension of  credit  in excess  of  your  available  credit  limit; 
however,  if  you  do  exceed  your  credit  limit,  you  agree  to  make  immediate 
payment  sufficient  to  bring  the  balance  below  the  credit  limit.  Certain 
purchases and cash advances require authorization prior to completion of the 
transaction. In some cases, you may be asked to provide identification. If our 
system is not working, we may not be able to authorize a transaction, even 
though  you  have  sufficient  credit  available.  Also,  for  security  reasons,  we 
may block the use of your Card in certain countries or geographic areas. We 
will have no liability to you or others if any of these events occur. 

Identification  Number  (PIN).  We  may 

Personal 
issue  a  Personal 
Identification Number (PIN) for use with your Card. This PIN is confidential 
and should not be disclosed to anyone. You may use your PIN and your Card 
to access your account, and all sums advanced will be added to your account 
balance.  In  the  event  a  use  of  your  PIN  constitutes  an  Electronic  Funds 
Transfer,  the  terms  and  conditions  of  your  Electronic  Funds  Transfer 
Agreement may affect your rights. 

Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, 
cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you 
authorize to use the Card; (b) all Interest  Charges and all other charges or 
fees; (c) collection costs and attorney’s fees as permitted by applicable law, 
and any costs incurred in the recovery of the Card; and (d) credit in excess of 
your credit limit that we may extend to you.  

 
 
 
 
Illegal Transactions: You agree that your Card and account will not be used 
to make or facilitate any illegal transactions as determined by applicable law; 
and  that  any  such  use  will  constitute  an  event  of  default  under  this 
Agreement.  We  may  decline  any  transaction  that  we  believe  to  be  illegal 
under applicable law, including but not limited to any transaction involving or 
relating to  any gambling activity. You agree  that  we  will  have no liability or 
responsibility  for  any  such  use  by  you  or  any  authorized  user(s);  or  for 
declining  any such transaction. You further  agree to  indemnify and hold us 
harmless from any suits, liability, damages or adverse action of any kind that 
results directly or indirectly from such illegal use. You promise to pay us any 
and all amounts owing on your Card for any transactions made by you, even 
if the transaction is determined to be illegal. 

Joint Accounts. Each of you will be responsible, jointly and severally, for the 
repayment  of  amounts  owed,  regardless  of  who  initiated  any  transaction 
under the account. 

Others Using Your Account. If you allow anyone else to use your account, 
you will be liable for all credit extended to such persons. You promise to pay 
for all purchases and advances made by anyone you authorize to use your 
account,  whether  or  not  you  notify  us  that  he  or  she  will  be  using  it.  If 
someone else  is  authorized  to  use  your account  and  you  want  to  end  that 
person’s privilege, you must notify us in writing, and if he or she has a Card, 
you must return that Card with your written notice for it to be effective.  

Ownership of Card. Your Card remains our property and may be cancelled 
by us at  any  time  without notice. You agree  to  surrender  your  Card and  to 
discontinue use of the account immediately upon our request. 

Interest Charges. You agree to pay interest at the rate(s) disclosed to you at 
the time you open your account and as may be changed from time to time in 
accordance  with  applicable  law.  Average  Daily  Balance  including  new 
transactions:  Interest  Charges  will  accrue  on  your  average  daily  balance 
outstanding during the month. To get the average daily balance, we take the 
beginning  balance  each  day,  add  any  new  purchases,  cash  advances, 
balance transfers or other advances, and debit adjustments and subtract any 
unpaid late charges. This gives us the daily balance. Then, we add up all the 
daily balances for the billing cycle and divide that by the number of days in 
the billing cycle. We then multiply that by the periodic rate corresponding to 
the Annual Percentage Rate on your account. If you have different rates for 
purchases,  cash  advances  or  balance  transfers,  separate  average  daily 
balances for each will be calculated and the appropriate periodic rate is then 
applied to each. 
Grace  Period  on  Purchases  Only:  You  can  avoid  Interest  Charges  on 
purchases by paying the full amount of the new balance for purchases each 
month by the date on which the payment is due. Otherwise, the new balance 
of your account, and subsequent advances from the date they are posted to 
the account, will be subject to an Interest Charge. You cannot avoid Interest 
Charges on cash advances and balance transfers; even if you pay the entire 
cash advance balance or balance transfer balance by the payment due date, 
you will incur the Interest Charges accrued from the date the cash advance 
or balance transfer is posted to your account.  

Fees. In addition to the Interest Charges set forth above, you agree to also 
pay  any  and  all  fees  that  you  incur  as  disclosed  to  you  on  your  Truth-in-
Lending Statement or similar disclosures (as may be amended from time to 
time), or as disclosed to you during the term of your Card. 

If  Your  Card  is  Lost  or  Stolen  or  if  an  Unauthorized  Use  Occurs.  You 
agree  to  notify  us  immediately  if  your  Card  is  ever  lost  or  stolen  or  if  an 
unauthorized use may have occurred. “Unauthorized use” means the use of 

the Card by someone other than you who does not have actual, implied or 
apparent authority for such use, and from which you receive no benefit. The 
telephone number to call is (800) 851-7749. You agree to follow up your call 
with  notice  in  writing  to us  at:  2800 South  Mill  Avenue,  Tempe,  AZ 85282. 
You also agree to assist us in determining the facts, circumstances and other 
pertinent information relating to any loss, theft or possible unauthorized use 
of  your  Card  and  comply  with  such  procedures  as  we  may  require  in 
connection with our investigation. 
For  Visa  cards:  You  will  be  liable  for  any  unauthorized  use  only  if  we  can 
prove that you were grossly negligent in your use or handling of your Card, or 
if we can prove that you used your Card fraudulently. 
For  MasterCard:  You  will  have  no  liability  for  MasterCard  transactions  not 
authorized  by  you,  provided  that  you  have  exercised  reasonable  care  in 
safeguarding the Card from risk of loss or theft, and upon becoming aware of 
such loss or theft, you promptly report the loss or theft to us. 

Minimum Payment Due; Crediting of Payments. Payments are due in the 
amount and on the date disclosed on your billing statement. If your payment is 
received by us on a business day at the address and by the time designated on 
the billing statement, it will be credited to your account on the date of receipt. If 
the Payment Due Date falls on a weekend or holiday, we will treat any payment 
received  by  5:00  p.m.  local  time  on  our  next  business  day  at  the  address 
designated  by  us  for  payment  on  the  monthly  periodic  statement  as  being 
received by us on the Payment Due Date. If payment is made at any location 
other  than  the  address  designated  on  the  periodic  statement,  credit  for  such 
payment may be delayed up to five (5) days. Payments will be applied in any 
order we determine, subject to applicable law. 

Default; Acceleration; Credit Suspension; Collection Costs. You will  be 
in default if: (1) you fail to make any payment on time; (2) if you fail to keep 
any  promises  you  have  made  under  this  Agreement  or  under  other 
Agreements  you  have  with  us;  (3)  if  you  die;  (4)  if  you  file  a  petition  in 
bankruptcy or have a bankruptcy petition filed against you, or if you become 
involved in any insolvency, receivership or custodial proceeding; (5) if anyone 
attempts to take any of your funds held by us via legal process or if you have 
a judgment or tax lien filed against you; (6) if you make any false, inaccurate, 
or misleading  statements  in  any credit application or credit update; or (7)  if 
we, in good faith, believe that your ability to repay what you owe is or soon 
will be impaired, or that you are unwilling to make your payments. 
If you are in default, we have the right to demand immediate payment of your 
full  account  balance  without  giving  you  notice.  If  immediate  payment  is 
demanded, you agree to continue paying interest charges and fees until what 
you owe has been paid, and any shares that were given as security for your 
account  may  be  applied  towards  what  you  owe.  You  agree  to  pay  all 
reasonable costs of collection, including court costs and attorney’s fees, and 
any  costs  incurred  in  the  recovery  of  the  Card,  subject  to  applicable  law. 
Even  if  your  unpaid  balance  is  less  than  your  credit  limit,  you  will  have  no 
credit available during any time that any aspect of your account is in default.  

Additional Benefits/Card Enhancements. We may from time to time offer 
additional  services  to  your  Account  at  no  additional  cost  to  you.  You 
understand  that  we  are  not  obligated  to  offer  such  services  and  may 
withdraw or change them at any time.  

Convenience Checks. We may, at our discretion, issue checks to you which 
may be used for any purpose other than making a payment for credit to your 
account.  By  signing  such  check,  you  authorize  us  to  pay  the  item  for  the 
amount indicated and post such amount as a cash advance to your account. 
We do not have to pay any item which would cause the outstanding balance 
in your account to exceed your credit limit.  

Credit Information. We may from time to time request personal information 
from  you  or  obtain  credit  reports  from  the  credit  reporting  agencies  for  the 
purpose  of  updating  your  credit  status.  Your  failure  to  provide  such 
information  when  requested  by  us  may  result  in  suspension  of  credit 
privileges  under  this  Agreement,  including  your  ability  to  obtain  any  future 
advances by any means. You authorize us to investigate your credit standing 
when  opening  or  reviewing  your  account.  You  authorize  us  to  disclose 
information regarding your account to credit bureau and creditors who inquire 
about your credit standing. 

Foreign  Transactions;  Currency  Conversion.  Purchases  and  cash 
advances made in foreign currencies will be billed to you in U.S. dollars. The 
conversion rate in dollars will be a rate selected by the card company from a 
range  of  rates  available  in  wholesale  currency  markets  for  the  applicable 
central processing date, which rate may vary from the rate the card company 
itself receives, or the government-mandated rate in effect for the applicable 
central processing date in each instance. All transactions processed outside 
of the United States (which may include internet transactions) will be charged 
a  foreign  transaction  fee  in  the  amount  disclosed  on  your  Truth-in-Lending 
Statement (as amended from time to time). 

Termination;  Change-in-Terms.  We  may,  by  written  notice,  terminate  this 
Agreement  at  any  time,  subject  to  applicable  law.  You  may  terminate  this 
Agreement by written notice. Termination by either party shall not affect your 
obligation to repay any payments made for your account resulting from use of 
the Card as well as Interest Charges and fees incurred. We may change the 
terms of this Agreement, including the method of calculating the periodic rate, 
at  any  time,  by  written  notice,  subject  to  applicable  law.  Use  of  the  Card 
constitutes  agreement  and  acceptance  of  any  change  in  terms,  unless 
applicable law requires otherwise. Our failure to exercise any of our rights or 
to  take  any  action  shall  not  constitute  a  waiver  of  those  rights,  or  an 
amendment or change in any of the terms of this Agreement.  

total 

increase  your 

Late  or  Partial  Payments.  Any  payment  that  delays  the  reduction  of  your 
balance  will 
interest  costs.  Partial  payments  or 
prepayments will not delay your next scheduled payment – you will still need 
to make the minimum scheduled payment by the next scheduled due date to 
keep your account current. We may accept late payments, partial payments, 
checks or money orders marked “payment in full” and such action shall not 
constitute final settlement of your account or a waiver or forgiveness of any 
amounts owing under this Agreement. 

Enforcement. We do not lose our rights under this or any related agreement 
if we delay enforcing them. If any provision of this or any related agreement 
is determined to be unenforceable or invalid, all other provisions remain in full 
force and effect. 

Returns and Adjustments. Merchants and others who honor the Card may 
give  credit  for  returns  or  adjustments,  and  they  will  do  so  by  submitting  a 
credit slip which will be posted to your account. If your credits and payments 
exceed  what  you  owe  us,  the  amount  will  be  applied  against  future 
purchases and cash advances. If the credit balance amount is $1 or more, it 
will be refunded upon your written or verbal request. 

Plan Merchant Disputes. We are not responsible for the refusal of any plan 
merchant  or  financial  institution  to  honor  your  Card.  Also,  we  are  not 
responsible for goods or services that you purchase with the Card unless: (a) 
your  purchase  was  made  in  response  to  an  advertisement  we  sent  or 
participated  in  sending  you;  or  (b)  your  purchase  cost  more  than  $50  and