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 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.

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 

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.

Your savings federally insured to $100,000

NCUA

National Credit Union Administration, a U.S. Government Agency

G14978

LANDINGS CREDIT UNION

2800 South Mill Avenue, Tempe, AZ 85282 Maricopa County

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.

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.

Personal  Identification  Number  (PIN).  We  may  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 zero liability for unauthorized MasterCard 
transactions,  provided  that:  the  loss  or  the  theft  or  unauthorized  use 
is  reported  within  24  hours  of  discovery;  you  use  reasonable  care  in 
safeguarding the Card from risk of loss or theft; you have not reported 
two  or  more  incidents  of  unauthorized  use  to  us  in  the  preceding  12 
month period; and the account is in good standing.

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. 

Late  or  Partial  Payments.  Any  payment  that  delays  the  reduction  of 
your balance will increase your total 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.