b'you are granting us a security interest in all your funds in your\npresent and future Landmark Credit Union deposit accounts,\nexcept IRAs and any other accounts exempted by state and\nfederal law, to the full amount of your credit card indebtedness\nwith us. Should you default under the terms of this Agreement,\nwe may, at our sole option, subject to any notice and right to\ncure required by Wis. Stat. Sec. 425.105, at any time thereafter,\nexercise our right of set-off and apply any portion of, or\nthe entire amount of, such funds toward payment of the\noutstanding indebtedness, and/or, we may exercise our right\nto refuse to allow withdrawal from such accounts to the full\nextent of the delinquent amount, all of which is subject to\nthe restrictions contained in Section. 1026.13 (d) (1) of federal\nReg. Z. If you give, have given or will give us any other security\ninterests for all your debts, your Account will also be secured\nby the property described in those security agreements\n(except your home and/or dwelling, home furnishings,\nappliances and clothing), including, if your balance exceeds\n$1,000 and except as otherwise expressly excluded herein, any\nreal property.\n12. Credits: If plan members who honor your Card give you\ncredit for returns or adjustments, they will do so by sending us\na credit slip that we will post to your Account. We will apply\nthose credits first to offset your current purchases, and then\nto your previous balance. If your credits and payments exceed\nwhat you owe us, we will hold and apply this credit balance\nagainst future purchases and cash advances, or refund it on\nyour written request if it is $1.00 or more. We will make a good\nfaith attempt to return to you any credit balance that remains\nin your Account for more than six months.\n13. Plan member Disputes: We are not responsible for refusal\nof any plan member or financial institution to honor your Card\nor Convenience Check. You must resolve directly with the\nplan member any disputes regarding goods or services you\npurchase with the Card, unless: (a) your purchase was made\nin response to an advertisement we sent or participated in\nsending you, or (b) your purchase cost more than $50.00 and\nwas made from a plan member in your state or within 100\nmiles of your home.\n14. Foreign Transaction Fee: A transaction that takes place\nin a foreign country will be charged 1% of the US dollar\namount whether the transaction was made in US dollars\nor was converted from a foreign currency. For transactions\nbeing converted from a foreign currency, Visa\xc2\xae International\nwill convert foreign currency to US dollars using either the\ngovernment-mandated exchange rate or the wholesale\nexchange rate in effect one day before the date of the\nconversion, as applicable. The exchange rate is increased by\none percent (1%) if the conversion is made in connection with\na charge to an account and decreased by one percent (1%)\nif the conversion is made in connection with a credit to the\nAccount. The date of conversion by Visa\xc2\xae may differ from the\npurchase date and the posting date identified in the monthly\nstatement for your Account. You agree to pay charges and\n\naccept credit for the converted transaction amounts in\naccordance with the terms of this paragraph.\n\nunpaid. (e) There will be a cash advance fee the greater of\n$5.00 or 3% of the amount of the cash advance.\n\n15. Unauthorized Use: You authorize us to pay from\nyour Account all items reflecting credit purchases or cash\nadvances made with the Card in spite of the absence of\nyour signature on the draft or the lack of presentation of\nthe Card. You may be liable for unauthorized use of your\nVisa\xc2\xae Platinum Card. However, YOU WILL NOT BE LIABLE\nFOR UNAUTHORIZED USE THAT OCCURS AFTER YOU\nNOTIFY US OF THE LOSS, THEFT, DISPUTE OR POSSIBLE\nUNAUTHORIZED USE OF YOUR CARD (Contact in writing at\nCardholder Services, P.O. Box 183258, Columbus, OH 432183258; Visa\xc2\xae Platinum Card for Customer Service and to list\nas Lost or Stolen please call 1-866-952-8199; electronically\nat dispute.services@fiserv.com). In addition, unless you\nhave been grossly negligent or have engaged in fraud, you\nwill not be liable for any unauthorized transactions using\nyour lost or stolen Visa card. This additional limit on liability\ndoes not apply to ATM transactions outside of the U.S., to\nATM transactions not sent over Visa [or Plus] networks, or\nto transactions using your personal identification number\nwhich are not processed by Visa, at which time your liability\nwill not exceed $50.00.\n\n18. Termination: If you are a resident of Wisconsin, our\nreceipt of a written notice from your spouse terminating his\nor her liability for the Account will constitute an event of\ndefault if such termination materially impairs the condition,\nvalue or protection of our right to any collateral securing\nyour obligations under this Agreement or your ability to pay\nthe obligations due under this Agreement. You will remain\nresponsible for all amounts charged to your Account both\nbefore and after receipt of such notice. Your privilege of\nusing the Card and the Account shall expire on the date\nshown on the Card. You may terminate your Account\nrelationship with us at any time by surrendering to us all\nyour Cards and unused Convenience Checks, but you will\nremain liable to us for full payment of any balance on your\nAccount. We may revoke your Card at any time without prior\nnotification and without affecting your obligation to pay the\nAccount balance.\n\n16. Effect of Regulations: This agreement is the contract\nthat applies to all transactions on your Account even though\nthe sales, cash advances, or credit slips you sign may contain\ndifferent terms. We may amend this Agreement from time\nto time. If required by Section 422.415, Wis. Stats., we will\nprovide written notice of an amendment 90 days prior to\nthe date the amendment is effective. Your use of the Card or\nConvenience Check thereafter will indicate your agreement\nto the amendments. To the extent the law permits, and\nwe indicate in our notice, amendments will apply to your\nexisting Account balance as well as to future transactions.\nNo delay or omission in exercising any rights granted to us\nhereunder shall impair such rights or be construed to be a\nwaiver thereof. No waiver whatsoever shall be valid unless\nsigned in writing by us and then only to the extent set forth\ntherein.\n17. Fees and Charges: (a) As permitted by Wisconsin\nStatutes, a $25.00 late payment fee will be assessed against\nyour Account if we do not receive your minimum payment\non or before the due date set forth on your periodic\nstatement. (b) You will be charged a lost Card replacement\nfee of $6.00 for any lost Card which we must replace. To\nlimit your personal liability, contact us immediately upon\ndiscovery of loss. (c) You will be provided one periodic\nstatement per billing period and will be charged for each\nduplicate billing statement, draft, or machine receipt you\nrequest. Check our website, landmarkcu.com, or a fee\nschedule in any branch for the current fee. These fees will\nnot be charged if the request is related to a billing error\nunder the Fair Credit Billing Act. (d) There will be a $30.00\ncharge for each check presented in payment that is returned\n\n19. Change of Address: We will send all Account statements\nand any other notices concerning this Account to your address\nas shown in our records. If you change your address, you must\nnotify us of your new address within a reasonable time.\n20. Applicable State Laws: The validity, construction, and\nenforcement of this Agreement and all matters arising out\nof the issuance and use of the Card shall be governed by the\nlaws of Wisconsin.\n21. Joint Account: You agree that all parties to your\nAccount are authorized on your behalf to request Credit\nLine increases, to agree to amendments or modifications\nto the Account, to enter into settlements or agreements\nwith us regarding the Account, to request additional Cards,\nor to authorize others to transact business on the Account.\nYou agree to be jointly and severally liable for all charges to\nthe Account made or authorized by any other party to the\nAccount, whether or not such charges caused the Account\nbalance to exceed the Credit Limit.\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nCardholder Services\nPO Box 183258\nColumbus OH 43218-3258\nOr, contact electronically at dispute.services@fiserv.com.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on\n\nyour bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your\nstatement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing or\nelectronically. You may call us, but if you do we are not\nrequired to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you\nthat we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the bill\nis correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you\nare responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nYour Rights If You Are Dissatisfied With Your Credit Card\nPurchases\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good\nfaith to correct the problem with the merchant, you may\nhave the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\n\nRewards Credit Card\nAgreement and Disclosure\n\nLANDMARK CREDIT UNION\n\n5445 S. Westridge Drive, P.O. Box 510870\nNew Berlin, WI 53151-0870\n(262) 796-4500, x6609\nIf your card is lost or stolen, notify us immediately:\nIn the U.S. call (866) 952-8199\nOutside the U.S. call (301) 945-9967\n\nIf all of the criteria above are met and you are still dissatisfied\nwith the purchase, contact us in writing at:\nCardholder Services\nPO Box 183258\nColumbus OH 43218-3258\nOr, contact electronically at dispute.services@fiserv.com.\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as\ndelinquent.\n\nAfter we finish our investigation, one of two things will\nhappen:\n1. If we made a mistake: You will not have to pay the\namount in question or any interest or other fees related to\nthat amount.\n2. If we do not believe there was a mistake: You will have\nto pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the\namount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the\namount we think you owe.\nIf you receive our explanation but still believe your bill is\nwrong, you must write to us within 10 days telling us that\nyou still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those\norganizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to pay\nthe first $50 of the amount you question even if your bill is correct.\n\n\xc2\xae\n11.74 (Rewards 355)\n3/20\n\n0.7M\n3645049\n\n\x0cInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases and Balance Transfers\n\n0% APR for 6 months from the account opening date. After that your APR will be\n14.99%\nThis APR will vary with the market based upon the Prime Rate.\n\nAPR for Cash Advances\n\n17.99%\nThis APR will vary with the market based upon the Prime Rate.\n\nPenalty APR and\nWhen it Applies\n\n29.99%\n\nPaying Interest\n\nYour due date is at least 27 days after the close of each billing cycle. We will not charge you any interest on\npurchases and balance transfers if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances on the transaction date.\n\nThis APR may be applied to your account if a minimum payment or portion thereof is past due by more\nthan 60 days.\nHow long will the Penalty APR apply? If your APRs are increased for the reason set forth here, the\nPenalty APR will apply until you make three consecutive minimum payments on time.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fees\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nNone\n\n\xe2\x80\xa2 Cash Advance\n\nGreater of $5.00 or 3% of the cash advance amount\n\n\xe2\x80\xa2 Foreign Transaction\n\n1% of the amount of the transaction\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $25.00\n\n\xe2\x80\xa2 Over the Credit Limit\n\nNone\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $30.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases). See Section 7 of\nthe Account Agreement for more details.\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if a minimum payment or portion thereof is\npast due by more than 60 days.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided at the end of the\nAgreement.\n\nThis card is issued by Landmark Credit Union pursuant to a license from Visa\xc2\xae USA Inc.\nBalance transfers from a Landmark credit card may not be eligible. Maximum cash advance is 50% of credit limit.\n\nCredit Card Rules, Regulations, and Disclosures\nKeep This Notice for Future Use. This Agreement and\nDisclosure (\xe2\x80\x9cAgreement\xe2\x80\x9d) is effective as of March 2020. In\nthis Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and\nall of those who applied for or received, or who signed and\nused, the Card. The term \xe2\x80\x9cCard\xe2\x80\x9d means your Rewards Visa\xc2\xae\nPlatinum Card issued by Landmark Credit Union, pursuant to\na license from Visa\xc2\xae USA Inc., and any duplicates or renewals\nwe issue. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d means Landmark Credit Union.\n\xe2\x80\x9cAccount\xe2\x80\x9d means your Landmark Credit Union Rewards Visa\xc2\xae\nPlatinum Card account.\n1. Responsibility: If you apply for and receive a Card from\nus, you agree to this Agreement. You also agree to repay\nall debts and any Finance Charges or any other fees or\ncharges arising from use of the Cards and the Card account.\nFor example, you are responsible for any charges made by\nyourself and anyone else to whom you give the Card. This\nresponsibility continues until you recover and return the\nCard to us. Except to the extent permitted by law, you cannot\ndisclaim your responsibility for such charges by notifying us,\nand your responsibility continues even though an agreement,\ndivorce decree or other court judgment to which we are\nnot a party, may direct you or one of the other persons\nheld responsible under the Account to pay the Account.\nAny person using the Card shall be jointly responsible with\nyou for the charges made, and if that person signs the card,\nand receives a copy of this Agreement, he or she is also\nresponsible for all charges on the Account, including yours.\n2. Credit Line: We will establish a maximum credit limit for\nyour Account (\xe2\x80\x9cCredit Line\xe2\x80\x9d) and advise you of its amount.\nYou agree not to let the Account balance exceed the Credit\nLine, but you remain responsible for payment if it does.\nAny Account balance in excess of the Credit Line is payable\nimmediately. We reserve the right to reduce your Credit Line,\nfrom time to time, or to revoke your Card, without affecting\nyour obligation to pay all Account balances. Maximum cash\nadvance is 50% of your Credit Line. The Cards remain our\nproperty, and if we request, you must recover and surrender\nto us all Cards we issued on your Account.\n3. Use of the Card: To make a purchase or cash advance,\npresent the Card to an authorized plan member or financial\ninstitution and sign the sales or cash advance draft that\nwill be imprinted with your Card. You may also obtain a\ncash advance with the Card at certain automated terminals.\nRegular transactions are counted against your Credit Line.\nYou will receive a copy of the draft (or machine receipt at a\nterminal at which there is no attendant), which you should\nretain to verify your monthly statement. We reserve the right\nto make a reasonable charge for photostatic or duplicate\ncopies of drafts or machine receipts you may request. Your\nCard may not be used for any transaction that is illegal under\nFederal, State or local law. Also, your Card may not be used\nfor any Gambling including Internet Gambling.\n\n4. Convenience Checks: We may, from time to time, supply\nyou with personalized Convenience Checks that are subject\nto the following conditions. Only the person whose name is\nprinted on a Convenience Check may sign it. All Convenience\nChecks must be written in U.S. dollars. We will not certify a\nConvenience Check. We are entitled to return a Convenience\nCheck unpaid if there is not enough available Credit Line\non your Account to pay for it, if you are in default under\nthis Agreement, if your Card or Convenience Check has\nbeen reported lost or stolen, if your Convenience Check is\npostdated, if your right to use Convenience Checks has been\ncancelled or suspended, or if your Account has been closed.\nIn addition, we may refuse to honor a Convenience Check\nwhenever we would be entitled to dishonor an ordinary\ncheck. If we refuse, under the terms of these Regulations, to\nhonor a Convenience Check issued by you, we may charge\nyour Account a NSF fee. Check our website, landmarkcu.com,\nor a fee schedule in any branch for current fee. A\nConvenience Check cannot be used to make a payment on\nany Landmark Credit Union Visa\xc2\xae Account.\nAny Convenience Check that we pay will be posted to your\nAccount as a cash advance and will be subject to all the terms\nin this Agreement that apply to cash advances. We shall have\nno liability for any Convenience Check that we return because\nit was written for an amount in excess of your available Credit\nLine. Convenience Checks that you use and we pay will not\nbe returned to you but will be identified on your monthly\nbilling statement. The Wisconsin Uniform Commercial Code,\nas well as applicable Landmark Credit Union policies and\nfees, will apply to Convenience Checks as if they were checks\ndrawn on a checking Account.\n5. Introductory Annual Percentage Rate and Monthly\nPeriodic Rate: Your introductory rate is 0%. This rate applies\nfor the first six billing periods (the \xe2\x80\x9cIntroductory Rate Period\xe2\x80\x9d),\nunless terminated in the event of delinquency. After the\nIntroductory Rate Period ends, your Monthly Periodic Rate\nand corresponding Annual Percentage Rate may vary as\ndescribed in Section 8.\n6. Rewards Program: Earn 1 point for every dollar\nin purchases, which can be redeemed for gift cards,\nmerchandise and travel. You may check available points and\nredeem points within your Landmark Credit Union Online or\nMobile Banking account.\nRestrictions on Rewards. Rewards points are based on\nqualifying net purchases. Rewards are not available: 1) on\ncash advances and Convenience Checks, 2) on any purchases\nthat exceed your available credit limit, 3) on any business\npurpose purchases, 4) upon your Account being closed for\nany reason, 5) past due or charged off accounts, 6) fraudulent\ncharges, 7) credit of any kind including returns, 8) balance\ntransfers. We reserve the right to discontinue providing you\nwith Rewards if you use your Card for other than consumer or\n\npersonal purposes. We reserve the right to cancel this Rewards\nprogram at any time.\n7. Finance Charge: Starting the first billing period after\nexpiration of the Introductory Rate, your Account will be\nsubject to a Finance Charge during any billing period during\nwhich you (a) received, or had outstanding, a cash advance;\nor (b) failed to pay in full the previous balance shown on\nthe statement during the first 27 days of the statement (the\n\xe2\x80\x9cGrace Period\xe2\x80\x9d).\nYour Landmark Rewards Visa\xc2\xae Platinum card Finance Charge is\ncalculated by applying the Monthly Periodic Rate, determined\nas set forth in Section 8 of this Agreement, to the \xe2\x80\x9caverage\ndaily balance\xe2\x80\x9d of your Account. To get the \xe2\x80\x9caverage daily\nbalance,\xe2\x80\x9d we take the beginning balance of the Account\neach day, reduced by any payment you make, credits we\napply, and any late payment fee due, and increased by any\ncash advances and, if the previous balance was not paid in\nfull during the Grace Period, all new credit purchases posted\nthrough that date. This gives us the daily balance. Then we\nadd all the daily balances for the billing period together and\ndivide the total by the number of days in the billing period.\nThis gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d All accounts are\nsubject to a Minimum Finance Charge of $1.00.\nYou can avoid incurring a Finance Charge on purchases\nby paying the New Balance in full within the Grace Period.\nHowever, a Finance Charge will be imposed on cash advances\nfrom the date made (on Convenience Checks from the date\ncleared), and will continue to accrue on any cash advances\nor Convenience Checks until your payment is received. If\na minimum payment or any portion thereof is past due by\nmore than 60 days, your Monthly Periodic Rate will increase\nto 2.499% (Annual Percentage Rate of 29.99%). This Penalty\nRate will be effective following any notice and waiting period\nrequired by law. Your Monthly Periodic Rate of 2.499%\n(Annual Percentage Rate of 29.99%) will remain on your\nAccount until your Account has been paid on time and with\nno other event of default for three (3) consecutive billing\nperiods after application of the Penalty Rate, at which point\nit will return to the Variable Rate determined as set forth in\nSection 8 of this Agreement.\n8. Variable Rate: Your Monthly Periodic Rate and\ncorresponding Annual Percentage Rate may vary. Effective\nMarch 1, 2020, your Annual Percentage Rate is determined by\nadding a margin of 11.74% to the Prime Rate published in the\nWall Street Journal. Effective Prime Rate for your interest rate\ncalculation will be identified on the 10th day of each month\nor the last date of publishing, if not published on the 10th. If\nPrime Rate has changed, your interest rate will also change\neffective the 1st day of the following calendar month and\nthe new rate will apply to any outstanding balance as well as\nfuture balance increases. Any promotional or penalty APR that\napplies to your card will not be affected by this change.\n\n9. Monthly Payment: Unless there has been no activity on\nyour Account since your last statement and your Account\nshows a zero balance, we will mail you a statement for every\nbilling period, showing your previous balance, the current\ntransactions on your Account, the remaining credit available\nunder your Credit Line, the applicable Monthly Periodic\nRate, the fees and Finance Charge, the new balance, and\nthe minimum payment due. Every billing period you must\npay at least the minimum payment by its due date. You may\npay more than the minimum or pay the new balance in full,\nwhich may reduce or avoid the Finance Charge. The minimum\npayment will be 2.0% of your new balance, or $25.00,\nwhichever is greater, or your full new balance if it is less than\n$25.00. We will apply your payment first to the finance charge\nand fees then to your unpaid balance in the order transactions\nwere posted to your Account. If a different Annual Percentage\nRate applies to different balances, any payment above the\nminimum payment will be applied to the balance bearing\nthe highest Annual Percentage Rate. A minimum payment is\nrequired for every billing period and any additional amount\npaid will reduce your balance but will not prepay any future\nminimum payment.\n10. Default: You will be in default if (i) your violation of\nany requirement of this Agreement materially impairs the\ncondition, value or protection of our right to any collateral\nsecuring your obligations under this Agreement or your ability\nto pay the obligations due under this Agreement; or (ii) you fail\nto make the minimum payment on or before the due date two\ntimes during any 12-month period. You will also be in default if\nyour ability to repay us or the value or protection of our right in\nany collateral securing your obligations is materially impaired\nin the event you or your spouse die, change marital status,\nchange marital domicile, or become the subject of bankruptcy\nor insolvency proceedings. If you are in default, we have a right\nto demand immediate payment of the full balance, exercise\nour right to offset and/or commence legal action to recover\ncollateral or reduce the claim to a judgment after complying\nwith all notice requirements as mandated by law.\n11. Security Interest: Each purchase and cash advance\nthrough your Account constitutes a transaction pursuant to an\nopen-end credit plan in the State of Wisconsin. You agree that\nthe Wisconsin Consumer Act applies to all these transactions\neven though you may use them for business purposes or you\nare a person not otherwise governed by the Act. To secure\neach transaction, you grant us a purchase-money security\ninterest under the Uniform Commercial Code in any goods you\npurchase with it. If you default, we will have the right to recover\nany of these goods, which have not been paid for in full.\nFor purposes of determining the amount of the unpaid balance\nsecured by our security interest, your payments will be deemed\nto have been applied first to payment of finance charges in\norder of their entry to the account and then to payment of the\nrespective amounts financed in the order in which the entries\nwere made and, for transactions made on the same day, the\nsmallest shall be deemed the first paid. By using your card\n\n\x0c'


b'extent of the delinquent amount, all of which is subject to\nthe restrictions contained in Section. 1026.13 (d) (1) of federal\nReg. Z. If you give, have given or will give us any other security\ninterests for all your debts, your Account will also be secured\nby the property described in those security agreements\n(except your home and/or dwelling, home furnishings,\nappliances and clothing), including, if your balance exceeds\n$1,000 and except as otherwise expressly excluded herein, any\nreal property.\n11. Credits: If plan members who honor your Card give you\ncredit for returns or adjustments, they will do so by sending us\na credit slip that we will post to your Account. We will apply\nthose credits first to offset your current purchases, and then\nto your previous balance. If your credits and payments exceed\nwhat you owe us, we will hold and apply this credit balance\nagainst future purchases and cash advances, or refund it on\nyour written request if it is $1.00 or more. We will make a good\nfaith attempt to return to you any credit balance that remains\nin your Account for more than six months.\n12. Plan member Disputes: We are not responsible for refusal\nof any plan member or financial institution to honor your Card\nor Convenience Check. You must resolve directly with the\nplan member any disputes regarding goods or services you\npurchase with the Card, unless: (a) your purchase was made\nin response to an advertisement we sent or participated in\nsending you, or (b) your purchase cost more than $50.00 and\nwas made from a plan member in your state or within 100\nmiles of your home.\n13. Foreign Transaction Fee: A transaction that takes place\nin a foreign country will be charged 1% of the US dollar\namount whether the transaction was made in US dollars\nor was converted from a foreign currency. For transactions\nbeing converted from a foreign currency, Visa\xc2\xae International\nwill convert foreign currency to US dollars using either the\ngovernment-mandated exchange rate or the wholesale\nexchange rate in effect one day before the date of the\nconversion, as applicable. The exchange rate is increased by\none percent (1%) if the conversion is made in connection\nwith a charge to an account and decreased by one percent\n(1%) if the conversion is made in connection with a credit\nto the Account. The date of conversion by Visa\xc2\xae may differ\nfrom the purchase date and the posting date identified in the\nmonthly statement for your Account. You agree to pay charges\nand accept credit for the converted transaction amounts in\naccordance with the terms of this paragraph.\n14. Unauthorized Use: You authorize us to pay from your\nAccount all items reflecting credit purchases or cash advances\nmade with the Card in spite of the absence of your signature\non the draft or the lack of presentation of the Card. You may\nbe liable for unauthorized use of your Visa\xc2\xae Platinum Card.\nHowever, YOU WILL NOT BE LIABLE FOR UNAUTHORIZED\nUSE THAT OCCURS AFTER YOU NOTIFY US OF THE LOSS,\nTHEFT, DISPUTE OR POSSIBLE UNAUTHORIZED USE OF YOUR\n\nCARD (Contact in writing at Cardholder Services, P.O. Box\n183258, Columbus, OH 43218-3258; Visa\xc2\xae Platinum Card for\nCustomer Service and to list as Lost or Stolen please call\n1-866-952-8199; electronically at dispute.services@fiserv.\ncom). In addition, unless you have been grossly negligent\nor have engaged in fraud, you will not be liable for any\nunauthorized transactions using your lost or stolen Visa\ncard. This additional limit on liability does not apply to ATM\ntransactions outside of the U.S., to ATM transactions not sent\nover Visa [or Plus] networks, or to transactions using your\npersonal identification number which are not processed by\nVisa, at which time your liability will not exceed $50.\n15. Effect of Regulations: This agreement is the contract\nthat applies to all transactions on your Account even though\nthe sales, cash advances, or credit slips you sign may contain\ndifferent terms. We may amend this Agreement from time\nto time. If required by Section 422.415, Wis. Stats., we will\nprovide written notice of an amendment 90 days prior to\nthe date the amendment is effective. Your use of the Card or\nConvenience Check thereafter will indicate your agreement\nto the amendments. To the extent the law permits, and\nwe indicate in our notice, amendments will apply to your\nexisting Account balance as well as to future transactions.\nNo delay or omission in exercising any rights granted to us\nhereunder shall impair such rights or be construed to be a\nwaiver thereof. No waiver whatsoever shall be valid unless\nsigned in writing by us and then only to the extent set forth\ntherein.\n16. Fees and Charges: (a) As permitted by Wisconsin\nStatutes, a $25.00 late payment fee will be assessed against\nyour Account if we do not receive your minimum payment\non or before the due date set forth on your periodic\nstatement. (b) You will be charged a lost Card replacement\nfee of $6.00 for any lost Card which we must replace. To\nlimit your personal liability, contact us immediately upon\ndiscovery of loss. (c) You will be provided one periodic\nstatement per billing period and will be charged for each\nduplicate billing statement, draft, or machine receipt you\nrequest. Check our website, landmarkcu.com, or a fee\nschedule in any branch for the current fee. These fees will\nnot be charged if the request is related to a billing error\nunder the Fair Credit Billing Act. (d) There will be a $30.00\ncharge for each check presented in payment that is returned\nunpaid. (e) There will be a cash advance fee the greater of\n$10.00 or 3% of the amount of the cash advance.\n17. Termination: If you are a resident of Wisconsin, our\nreceipt of a written notice from your spouse terminating his\nor her liability for the Account will constitute an event of\ndefault if such termination materially impairs the condition,\nvalue or protection of our right to any collateral securing\nyour obligations under this Agreement or your ability to\npay the obligations due under this Agreement. You will\nremain responsible for all amounts charged to your Account\nboth before and after receipt of such notice. Your privilege\n\nof using the Card and the Account shall expire on the\ndate shown on the Card. You may terminate your Account\nrelationship with us at any time by surrendering to us all\nyour Cards and unused Convenience Checks, but you will\nremain liable to us for full payment of any balance on your\nAccount. We may revoke your Card at any time without prior\nnotification and without affecting your obligation to pay the\nAccount balance.\n18. Change of Address: We will send all Account statements\nand any other notices concerning this Account to your address\nas shown in our records. If you change your address, you must\nnotify us of your new address within a reasonable time.\n19. Applicable State Laws: The validity, construction, and\nenforcement of this Agreement and all matters arising out\nof the issuance and use of the Card shall be governed by the\nlaws of Wisconsin.\n20. Joint Account: You agree that all parties to your\nAccount are authorized on your behalf to request Credit\nLine increases, to agree to amendments or modifications\nto the Account, to enter into settlements or agreements\nwith us regarding the Account, to request additional Cards,\nor to authorize others to transact business on the Account.\nYou agree to be jointly and severally liable for all charges to\nthe Account made or authorized by any other party to the\nAccount, whether or not such charges caused the Account\nbalance to exceed the Credit Limit.\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nCardholder Services\nPO Box 183258\nColumbus OH 43218-3258\nOr, contact electronically at dispute.services@fiserv.com.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on\nyour bill, describe what you believe is wrong and why\nyou believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your\nstatement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing or\n\nelectronically. You may call us, but if you do we are not\nrequired to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you\nthat we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the bill\nis correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you\nare responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will\nhappen:\n1. If we made a mistake: You will not have to pay the\namount in question or any interest or other fees related to\nthat amount.\n2. If we do not believe there was a mistake: You will have\nto pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the\namount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the\namount we think you owe.\n\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied\nwith the purchase, contact us in writing at:\nCardholder Services\nPO Box 183258\nColumbus OH 43218-3258\nOr, contact electronically at dispute.services@fiserv.com.\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as\ndelinquent.\n\nStarter Credit Card\nAgreement and Disclosure\n\nLANDMARK CREDIT UNION\n\n5445 S. Westridge Drive, P.O. Box 510870\nNew Berlin, WI 53151-0870\n(262) 796-4500, x6609\nIf your card is lost or stolen, notify us immediately:\nIn the U.S. call (866) 952-8199\nOutside the U.S. call (301) 945-9967\n\nIf you receive our explanation but still believe your bill is\nwrong, you must write to us within 10 days telling us that\nyou still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those\norganizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to\npay the first $50 of the amount you question even if your bill\nis correct.\nYour Rights If You Are Dissatisfied With Your Credit Card\nPurchases\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good\nfaith to correct the problem with the merchant, you may\nhave the right not to pay the remaining amount due on the\npurchase.\n\n\xc2\xae\n16.74 (Starter 120)\n3/20\n\n0.6M\n3645052\n\n\x0cInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases and Balance Transfers\n\nYour APR will be\n\n19.99%\nThis APR will vary with the market based upon the Prime Rate.\n\nAPR for Cash Advances\n\n23.99%\nThis APR will vary with the market based upon the Prime Rate.\n\nPenalty APR and\nWhen it Applies\n\n29.99%\nThis APR may be applied to your account if a minimum payment or portion thereof is past due by more\nthan 60 days.\nHow long will the Penalty APR apply? If your APRs are increased for the reason set forth here, the\nPenalty APR will apply until you make three consecutive minimum payments on time.\n\nPaying Interest\n\nYour due date is at least 27 days after the close of each billing cycle. We will not charge you any interest on\npurchases and balance transfers if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fees\n\n$30.00\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nNone\n\n\xe2\x80\xa2 Cash Advance\n\nGreater of $10.00 or 3% of the cash advance amount\n\n\xe2\x80\xa2 Foreign Transaction\n\n1% of the amount of the transaction\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $25.00\n\n\xe2\x80\xa2 Over the Credit Limit\n\nNone\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $30.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases). See Section 6 of\nthe Account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided at the end of the\nAgreement.\n\nThis card is issued by Landmark Credit Union pursuant to a license from Visa\xc2\xae USA Inc.\nBalance transfers from a Landmark credit card may not be eligible. Maximum cash advance is 50% of credit limit.\n\nCredit Card Rules, Regulations, and Disclosures\nKeep This Notice for Future Use. This Agreement and\nDisclosure (\xe2\x80\x9cAgreement\xe2\x80\x9d) is effective as of March 2020. In\nthis Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and\nall of those who applied for or received, or who signed and\nused, the Card. The term \xe2\x80\x9cCard\xe2\x80\x9d means your Rewards Visa\xc2\xae\nPlatinum Card issued by Landmark Credit Union, pursuant to\na license from Visa\xc2\xae USA Inc., and any duplicates or renewals\nwe issue. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d means Landmark Credit Union.\n\xe2\x80\x9cAccount\xe2\x80\x9d means your Landmark Credit Union Rewards Visa\xc2\xae\nPlatinum Card account.\n1. Responsibility: If you apply for and receive a Card from\nus, you agree to this Agreement. You also agree to repay\nall debts and any Finance Charges or any other fees or\ncharges arising from use of the Cards and the Card account.\nFor example, you are responsible for any charges made by\nyourself and anyone else to whom you give the Card. This\nresponsibility continues until you recover and return the\nCard to us. Except to the extent permitted by law, you cannot\ndisclaim your responsibility for such charges by notifying us,\nand your responsibility continues even though an agreement,\ndivorce decree or other court judgment to which we are\nnot a party, may direct you or one of the other persons\nheld responsible under the Account to pay the Account.\nAny person using the Card shall be jointly responsible with\nyou for the charges made, and if that person signs the card,\nand receives a copy of this Agreement, he or she is also\nresponsible for all charges on the Account, including yours.\n2. Credit Line: We will establish a maximum credit limit for\nyour Account (\xe2\x80\x9cCredit Line\xe2\x80\x9d) and advise you of its amount.\nYou agree not to let the Account balance exceed the Credit\nLine, but you remain responsible for payment if it does.\nAny Account balance in excess of the Credit Line is payable\nimmediately. We reserve the right to reduce your Credit Line,\nfrom time to time, or to revoke your Card, without affecting\nyour obligation to pay all Account balances. Maximum cash\nadvance is 50% of your Credit Line. The Cards remain our\nproperty, and if we request, you must recover and surrender\nto us all Cards we issued on your Account.\n3. Use of the Card: To make a purchase or cash advance,\npresent the Card to an authorized plan member or financial\ninstitution and sign the sales or cash advance draft that\nwill be imprinted with your Card. You may also obtain a\ncash advance with the Card at certain automated terminals.\nRegular transactions are counted against your Credit Line.\nYou will receive a copy of the draft (or machine receipt at a\nterminal at which there is no attendant), which you should\nretain to verify your monthly statement. We reserve the right\nto make a reasonable charge for photostatic or duplicate\ncopies of drafts or machine receipts you may request. Your\nCard may not be used for any transaction that is illegal under\nFederal, State or local law. Also, your Card may not be used\nfor any Gambling including Internet Gambling.\n\n4. Convenience Checks: We may, from time to time, supply\nyou with personalized Convenience Checks that are subject\nto the following conditions. Only the person whose name is\nprinted on a Convenience Check may sign it. All Convenience\nChecks must be written in U.S. dollars. We will not certify a\nConvenience Check. We are entitled to return a Convenience\nCheck unpaid if there is not enough available Credit Line\non your Account to pay for it, if you are in default under\nthis Agreement, if your Card or Convenience Check has\nbeen reported lost or stolen, if your Convenience Check is\npostdated, if your right to use Convenience Checks has been\ncancelled or suspended, or if your Account has been closed.\nIn addition, we may refuse to honor a Convenience Check\nwhenever we would be entitled to dishonor an ordinary\ncheck. If we refuse, under the terms of these Regulations, to\nhonor a Convenience Check issued by you, we may charge\nyour Account a NSF fee. Check our website, landmarkcu.com,\nor a fee schedule in any branch for current fee. A\nConvenience Check cannot be used to make a payment on\nany Landmark Credit Union Visa\xc2\xae Account.\nAny Convenience Check that we pay will be posted to your\nAccount as a cash advance and will be subject to all the terms\nin this Agreement that apply to cash advances. We shall have\nno liability for any Convenience Check that we return because\nit was written for an amount in excess of your available Credit\nLine. Convenience Checks that you use and we pay will not\nbe returned to you but will be identified on your monthly\nbilling statement. The Wisconsin Uniform Commercial Code,\nas well as applicable Landmark Credit Union policies and\nfees, will apply to Convenience Checks as if they were checks\ndrawn on a checking Account.\n5. Rewards Program: Earn 1 point for every dollar\nin purchases, which can be redeemed for gift cards,\nmerchandise and travel. You may check available points and\nredeem points within your Landmark Credit Union Online or\nMobile Banking account.\nRestrictions on Rewards. Rewards points are based on\nqualifying net purchases. Rewards are not available: 1) on\ncash advances and Convenience Checks, 2) on any purchases\nthat exceed your available credit limit, 3) on any business\npurpose purchases, 4) upon your Account being closed for\nany reason, 5) past due or charged off accounts, 6) fraudulent\ncharges, 7) credit of any kind including returns, 8) balance\ntransfers. We reserve the right to discontinue providing you\nwith Rewards if you use your Card for other than consumer\nor personal purposes. We reserve the right to cancel this\nRewards program at any time.\n6. Finance Charge: Your Account will be subject to a Finance\nCharge during any billing period during which you (a) received,\nor had outstanding, a cash advance; or (b) failed to pay in full\nthe previous balance shown on the statement during the first\n27 days of the statement (the \xe2\x80\x9cGrace Period\xe2\x80\x9d). Your Landmark\nStarter Visa\xc2\xae Platinum card Finance Charge is calculated by\n\napplying the Monthly Periodic Rate, determined as set forth in\nSection 7 of this Agreement, to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of\nyour Account. To get the \xe2\x80\x9caverage daily balance,\xe2\x80\x9d we take the\nbeginning balance of the Account each day, reduced by any\npayment you make, credits we apply, and any late payment\nfee due, and increased by any cash advances and, if the\nprevious balance was not paid in full during the Grace Period,\nall new credit purchases posted through that date. This gives\nus the daily balance. Then we add all the daily balances for\nthe billing period together and divide the total by the number\nof days in the billing period. This gives us the \xe2\x80\x9caverage daily\nbalance.\xe2\x80\x9d All accounts are subject to a Minimum Finance\nCharge of $1.00.\nYou can avoid incurring a Finance Charge on purchases\nby paying the New Balance in full within the Grace Period.\nHowever, a Finance Charge will be imposed on cash advances\nfrom the date made (on Convenience Checks from the date\ncleared), and will continue to accrue on any cash advances\nor Convenience Checks until your payment is received. If\na minimum payment or any portion thereof is past due by\nmore than 60 days, your Monthly Periodic Rate will increase\nto 2.499% (Annual Percentage Rate of 29.99%). This Penalty\nRate will be effective following any notice and waiting period\nrequired by law. Your Monthly Periodic Rate of 2.499%\n(Annual Percentage Rate of 29.99%) will remain on your\nAccount until your Account has been paid on time and with\nno other event of default for three (3) consecutive billing\nperiods after application of the Penalty Rate, at which point\nit will return to the Variable Rate determined as set forth in\nSection 7 of this Agreement.\n7. Variable Rate: Your Monthly Periodic Rate and\ncorresponding Annual Percentage Rate may vary. Effective\nMarch 1, 2020, your Annual Percentage Rate is determined by\nadding a margin of 16.74% to the Prime Rate published in the\nWall Street Journal. Effective Prime Rate for your interest rate\ncalculation will be identified on the 10th day of each month\nor the last date of publishing, if not published on the 10th. If\nPrime Rate has changed, your interest rate will also change\neffective the 1st day of the following calendar month and\nthe new rate will apply to any outstanding balance as well as\nfuture balance increases. Any promotional or penalty APR that\napplies to your card will not be affected by this change.\n8. Monthly Payment: Unless there has been no activity on\nyour Account since your last statement and your Account\nshows a zero balance, we will mail you a statement for every\nbilling period, showing your previous balance, the current\ntransactions on your Account, the remaining credit available\nunder your Credit Line, the applicable Monthly Periodic\nRate, the fees and Finance Charge, the new balance, and\nthe minimum payment due. Every billing period you must\npay at least the minimum payment by its due date. You may\npay more than the minimum or pay the new balance in full,\nwhich may reduce or avoid the Finance Charge. The minimum\npayment will be 2.0% of your new balance, or $25.00,\n\nwhichever is greater, or your full new balance if it is less than\n$25.00. We will apply your payment first to the finance charge\nand fees then to your unpaid balance in the order transactions\nwere posted to your Account. If a different Annual Percentage\nRate applies to different balances, any payment above the\nminimum payment will be applied to the balance bearing\nthe highest Annual Percentage Rate. A minimum payment is\nrequired for every billing period and any additional amount\npaid will reduce your balance but will not prepay any future\nminimum payment.\n9. Default: You will be in default if (i) your violation of\nany requirement of this Agreement materially impairs the\ncondition, value or protection of our right to any collateral\nsecuring your obligations under this Agreement or your ability\nto pay the obligations due under this Agreement; or (ii) you fail\nto make the minimum payment on or before the due date two\ntimes during any 12-month period. You will also be in default if\nyour ability to repay us or the value or protection of our right in\nany collateral securing your obligations is materially impaired\nin the event you or your spouse die, change marital status,\nchange marital domicile, or become the subject of bankruptcy\nor insolvency proceedings. If you are in default, we have a right\nto demand immediate payment of the full balance, exercise\nour right to offset and/or commence legal action to recover\ncollateral or reduce the claim to a judgment after complying\nwith all notice requirements as mandated by law.\n10. Security Interest: Each purchase and cash advance\nthrough your Account constitutes a transaction pursuant to an\nopen-end credit plan in the State of Wisconsin. You agree that\nthe Wisconsin Consumer Act applies to all these transactions\neven though you may use them for business purposes or you\nare a person not otherwise governed by the Act. To secure\neach transaction, you grant us a purchase-money security\ninterest under the Uniform Commercial Code in any goods you\npurchase with it. If you default, we will have the right to recover\nany of these goods, which have not been paid for in full.\nFor purposes of determining the amount of the unpaid balance\nsecured by our security interest, your payments will be deemed\nto have been applied first to payment of finance charges in\norder of their entry to the account and then to payment of the\nrespective amounts financed in the order in which the entries\nwere made and, for transactions made on the same day, the\nsmallest shall be deemed the first paid. By using your card\nyou are granting us a security interest in all your funds in your\npresent and future Landmark Credit Union deposit accounts,\nexcept IRAs and any other accounts exempted by state and\nfederal law, to the full amount of your credit card indebtedness\nwith us. Should you default under the terms of this Agreement,\nwe may, at our sole option, subject to any notice and right to\ncure required by Wis. Stat. Sec. 425.105, at any time thereafter,\nexercise our right of set-off and apply any portion of, or the\nentire amount of, such funds toward payment of the\noutstanding indebtedness, and/or, we may exercise our right\nto refuse to allow withdrawal from such accounts to the full\n\n\x0c'


b'on the same day, the smallest shall be deemed the first paid.\nBy using your card you are granting us a security interest in\nall your funds in your present and future Landmark Credit\nUnion deposit accounts, except IRAs and any other accounts\nexempted by state and federal law, to the full amount of your\ncredit card indebtedness with us. Should you default under the\nterms of this Agreement, we may, at our sole option, subject\nto any notice and right to cure required by Wis. Stat. Sec.\n425.105, at any time thereafter, exercise our right of set-off\nand apply any portion of, or the entire amount of, such funds\ntoward payment of the outstanding indebtedness, and/or,\nwe may exercise our right to refuse to allow withdrawal from\nsuch accounts to the full extent of the delinquent amount,\nall of which is subject to the restrictions contained in Section.\n1026.13 (d) (1) of federal Reg. Z. If you give, have given or will\ngive us any other security interests for all your debts, your\nAccount will also be secured by the property described in\nthose security agreements (except your home and/or dwelling,\nhome furnishings, appliances and clothing), including, if your\nbalance exceeds $1,000 and except as otherwise expressly\nexcluded herein, any real property.\n12. Credits: If plan members who honor your Card give you\ncredit for returns or adjustments, they will do so by sending us\na credit slip that we will post to your Account. We will apply\nthose credits first to offset your current purchases, and then\nto your previous balance. If your credits and payments exceed\nwhat you owe us, we will hold and apply this credit balance\nagainst future purchases and cash advances, or refund it on\nyour written request if it is $1.00 or more. We will make a good\nfaith attempt to return to you any credit balance that remains\nin your Account for more than six months.\n13. Plan member Disputes: We are not responsible for refusal\nof any plan member or financial institution to honor your Card\nor Convenience Check. You must resolve directly with the\nplan member any disputes regarding goods or services you\npurchase with the Card, unless: (a) your purchase was made\nin response to an advertisement we sent or participated in\nsending you, or (b) your purchase cost more than $50.00 and\nwas made from a plan member in your state or within 100\nmiles of your home.\n14. Foreign Transaction Fee: A transaction that takes place\nin a foreign country will be charged 1% of the US dollar\namount whether the transaction was made in US dollars\nor was converted from a foreign currency. For transactions\nbeing converted from a foreign currency, Visa\xc2\xae International\nwill convert foreign currency to US dollars using either the\ngovernment-mandated exchange rate or the wholesale\nexchange rate in effect one day before the date of the\nconversion, as applicable. The exchange rate is increased by\none percent (1%) if the conversion is made in connection with\na charge to an account and decreased by one percent (1%)\nif the conversion is made in connection with a credit to the\nAccount. The date of conversion by Visa\xc2\xae may differ from the\npurchase date and the posting date identified in the monthly\n\nstatement for your Account. You agree to pay charges and\naccept credit for the converted transaction amounts in\naccordance with the terms of this paragraph.\n\ncharge for each check presented in payment that is returned\nunpaid. (e) There will be a cash advance fee the greater of\n$5.00 or 3% of the amount of the cash advance.\n\n15. Unauthorized Use: You authorize us to pay from\nyour Account all items reflecting credit purchases or cash\nadvances made with the Card in spite of the absence of\nyour signature on the draft or the lack of presentation of\nthe Card. You may be liable for unauthorized use of your\nVisa\xc2\xae Platinum Card. However, YOU WILL NOT BE LIABLE\nFOR UNAUTHORIZED USE THAT OCCURS AFTER YOU\nNOTIFY US OF THE LOSS, THEFT, DISPUTE OR POSSIBLE\nUNAUTHORIZED USE OF YOUR CARD (Contact in writing at\nCardholder Services, P.O. Box 183258, Columbus, OH 432183258; Visa\xc2\xae Platinum Card for Customer Service and to list\nas Lost or Stolen please call 1-866-952-8199; electronically\nat dispute.services@fiserv.com). In addition, unless you\nhave been grossly negligent or have engaged in fraud, you\nwill not be liable for any unauthorized transactions using\nyour lost or stolen Visa card. This additional limit on liability\ndoes not apply to ATM transactions outside of the U.S., to\nATM transactions not sent over Visa [or Plus] networks, or\nto transactions using your personal identification number\nwhich are not processed by Visa, at which time your liability\nwill not exceed $50.\n\n18. Termination: If you are a resident of Wisconsin, our\nreceipt of a written notice from your spouse terminating his\nor her liability for the Account will constitute an event of\ndefault if such termination materially impairs the condition,\nvalue or protection of our right to any collateral securing\nyour obligations under this Agreement or your ability to pay\nthe obligations due under this Agreement. You will remain\nresponsible for all amounts charged to your Account both\nbefore and after receipt of such notice. Your privilege of\nusing the Card and the Account shall expire on the date\nshown on the Card. You may terminate your Account\nrelationship with us at any time by surrendering to us all\nyour Cards and unused Convenience Checks, but you will\nremain liable to us for full payment of any balance on your\nAccount. We may revoke your Card at any time without prior\nnotification and without affecting your obligation to pay the\nAccount balance.\n\n16. Effect of Regulations: This agreement is the contract\nthat applies to all transactions on your Account even though\nthe sales, cash advances, or credit slips you sign may contain\ndifferent terms. We may amend this Agreement from time\nto time. If required by Section 422.415, Wis. Stats., we will\nprovide written notice of an amendment 90 days prior to\nthe date the amendment is effective. Your use of the Card or\nConvenience Check thereafter will indicate your agreement\nto the amendments. To the extent the law permits, and\nwe indicate in our notice, amendments will apply to your\nexisting Account balance as well as to future transactions.\nNo delay or omission in exercising any rights granted to us\nhereunder shall impair such rights or be construed to be a\nwaiver thereof. No waiver whatsoever shall be valid unless\nsigned in writing by us and then only to the extent set forth\ntherein.\n17. Fees and Charges: (a) As permitted by Wisconsin\nStatutes, a $25.00 late payment fee will be assessed against\nyour Account if we do not receive your minimum payment\non or before the due date set forth on your periodic\nstatement. (b) You will be charged a lost Card replacement\nfee of $6.00 for any lost Card which we must replace. To\nlimit your personal liability, contact us immediately upon\ndiscovery of loss. (c) You will be provided one periodic\nstatement per billing period and will be charged for each\nduplicate billing statement, draft, or machine receipt you\nrequest. Check our website, landmarkcu.com, or a fee\nschedule in any branch for the current fee. These fees will\nnot be charged if the request is related to a billing error\nunder the Fair Credit Billing Act. (d) There will be a $30.00\n\n19. Change of Address: We will send all Account statements\nand any other notices concerning this Account to your address\nas shown in our records. If you change your address, you must\nnotify us of your new address within a reasonable time.\n20. Applicable State Laws: The validity, construction, and\nenforcement of this Agreement and all matters arising out\nof the issuance and use of the Card shall be governed by the\nlaws of Wisconsin.\n21. Joint Account: You agree that all parties to your\nAccount are authorized on your behalf to request Credit\nLine increases, to agree to amendments or modifications\nto the Account, to enter into settlements or agreements\nwith us regarding the Account, to request additional Cards,\nor to authorize others to transact business on the Account.\nYou agree to be jointly and severally liable for all charges to\nthe Account made or authorized by any other party to the\nAccount, whether or not such charges caused the Account\nbalance to exceed the Credit Limit.\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\n\nyour bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your\nstatement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing or\nelectronically. You may call us, but if you do we are not\nrequired to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you\nthat we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the bill\nis correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you\nare responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nYour Rights If You Are Dissatisfied With Your Credit Card\nPurchases\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good\nfaith to correct the problem with the merchant, you may\nhave the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\n\nRewards Credit Card\nAgreement and Disclosure\n\nLANDMARK CREDIT UNION\n\n5445 S. Westridge Drive, P.O. Box 510870\nNew Berlin, WI 53151-0870\n(262) 796-4500, x6609\nIf your card is lost or stolen, notify us immediately:\nIn the U.S. call (866) 952-8199\nOutside the U.S. call (301) 945-9967\n\nIf all of the criteria above are met and you are still dissatisfied\nwith the purchase, contact us in writing at:\nCardholder Services\nPO Box 183258\nColumbus OH 43218-3258\nOr, contact electronically at dispute.services@fiserv.com.\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as\ndelinquent.\n\nAfter we finish our investigation, one of two things will\nhappen:\n1. If we made a mistake: You will not have to pay the\namount in question or any interest or other fees related to\nthat amount.\n2. If we do not believe there was a mistake: You will have\nto pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the\namount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the\namount we think you owe.\n\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nCardholder Services\nPO Box 183258\nColumbus OH 43218-3258\nOr, contact electronically at dispute.services@fiserv.com.\n\nIf you receive our explanation but still believe your bill is\nwrong, you must write to us within 10 days telling us that\nyou still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those\norganizations know when the matter has been settled\nbetween us.\n\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on\n\nIf we do not follow all of the rules above, you do not have to\npay the first $50 of the amount you question even if your bill\nis correct.\n\n\xc2\xae\n15.74 (Rewards 360)\n3/20\n\n1.2M\n3645050\n\n\x0cInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases and Balance Transfers\n\n0% APR for 6 months from the account opening date. After that your APR will be\n18.99%\nThis APR will vary with the market based upon the Prime Rate.\n\nAPR for Cash Advances\n\n21.99%\nThis APR will vary with the market based upon the Prime Rate.\n\nPenalty APR and\nWhen it Applies\n\n29.99%\n\nPaying Interest\n\nYour due date is at least 27 days after the close of each billing cycle. We will not charge you any interest on\npurchases and balance transfers if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances on the transaction date.\n\nThis APR may be applied to your account if a minimum payment or portion thereof is past due by more\nthan 60 days.\nHow long will the Penalty APR apply? If your APRs are increased for the reason set forth here, the\nPenalty APR will apply until you make three consecutive minimum payments on time.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fees\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nNone\n\n\xe2\x80\xa2 Cash Advance\n\nGreater of $5.00 or 3% of the cash advance amount\n\n\xe2\x80\xa2 Foreign Transaction\n\n1% of the amount of the transaction\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $25.00\n\n\xe2\x80\xa2 Over the Credit Limit\n\nNone\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $30.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases). See Section 7 of\nthe Account Agreement for more details.\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if a minimum payment or portion thereof is\npast due by more than 60 days.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided at the end of the\nAgreement.\n\nThis card is issued by Landmark Credit Union pursuant to a license from Visa\xc2\xae USA Inc.\nBalance transfers from a Landmark credit card may not be eligible. Maximum cash advance is 50% of credit limit.\n\nCredit Card Rules, Regulations, and Disclosures\nKeep This Notice for Future Use. This Agreement and\nDisclosure (\xe2\x80\x9cAgreement\xe2\x80\x9d) is effective as of March 2020. In\nthis Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and\nall of those who applied for or received, or who signed and\nused, the Card. The term \xe2\x80\x9cCard\xe2\x80\x9d means your Rewards Visa\xc2\xae\nPlatinum Card issued by Landmark Credit Union, pursuant to\na license from Visa\xc2\xae USA Inc., and any duplicates or renewals\nwe issue. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d means Landmark Credit Union.\n\xe2\x80\x9cAccount\xe2\x80\x9d means your Landmark Credit Union Rewards Visa\xc2\xae\nPlatinum Card account.\n1. Responsibility: If you apply for and receive a Card from\nus, you agree to this Agreement. You also agree to repay\nall debts and any Finance Charges or any other fees or\ncharges arising from use of the Cards and the Card account.\nFor example, you are responsible for any charges made by\nyourself and anyone else to whom you give the Card. This\nresponsibility continues until you recover and return the\nCard to us. Except to the extent permitted by law, you cannot\ndisclaim your responsibility for such charges by notifying us,\nand your responsibility continues even though an agreement,\ndivorce decree or other court judgment to which we are\nnot a party, may direct you or one of the other persons\nheld responsible under the Account to pay the Account.\nAny person using the Card shall be jointly responsible with\nyou for the charges made, and if that person signs the card,\nand receives a copy of this Agreement, he or she is also\nresponsible for all charges on the Account, including yours.\n2. Credit Line: We will establish a maximum credit limit for\nyour Account (\xe2\x80\x9cCredit Line\xe2\x80\x9d) and advise you of its amount.\nYou agree not to let the Account balance exceed the Credit\nLine, but you remain responsible for payment if it does.\nAny Account balance in excess of the Credit Line is payable\nimmediately. We reserve the right to reduce your Credit Line,\nfrom time to time, or to revoke your Card, without affecting\nyour obligation to pay all Account balances. Maximum cash\nadvance is 50% of your Credit Line. The Cards remain our\nproperty, and if we request, you must recover and surrender\nto us all Cards we issued on your Account.\n3. Use of the Card: To make a purchase or cash advance,\npresent the Card to an authorized plan member or financial\ninstitution and sign the sales or cash advance draft that\nwill be imprinted with your Card. You may also obtain a\ncash advance with the Card at certain automated terminals.\nRegular transactions are counted against your Credit Line.\nYou will receive a copy of the draft (or machine receipt at a\nterminal at which there is no attendant), which you should\nretain to verify your monthly statement. We reserve the right\nto make a reasonable charge for photostatic or duplicate\ncopies of drafts or machine receipts you may request. Your\nCard may not be used for any transaction that is illegal under\nFederal, State or local law. Also, your Card may not be used\nfor any Gambling including Internet Gambling.\n\n4. Convenience Checks: We may, from time to time, supply\nyou with personalized Convenience Checks that are subject\nto the following conditions. Only the person whose name is\nprinted on a Convenience Check may sign it. All Convenience\nChecks must be written in U.S. dollars. We will not certify a\nConvenience Check. We are entitled to return a Convenience\nCheck unpaid if there is not enough available Credit Line\non your Account to pay for it, if you are in default under\nthis Agreement, if your Card or Convenience Check has\nbeen reported lost or stolen, if your Convenience Check is\npostdated, if your right to use Convenience Checks has been\ncancelled or suspended, or if your Account has been closed.\nIn addition, we may refuse to honor a Convenience Check\nwhenever we would be entitled to dishonor an ordinary\ncheck. If we refuse, under the terms of these Regulations, to\nhonor a Convenience Check issued by you, we may charge\nyour Account a NSF fee. Check our website, landmarkcu.com,\nor a fee schedule in any branch for current fee. A\nConvenience Check cannot be used to make a payment on\nany Landmark Credit Union Visa\xc2\xae Account.\nAny Convenience Check that we pay will be posted to your\nAccount as a cash advance and will be subject to all the terms\nin this Agreement that apply to cash advances. We shall have\nno liability for any Convenience Check that we return because\nit was written for an amount in excess of your available Credit\nLine. Convenience Checks that you use and we pay will not\nbe returned to you but will be identified on your monthly\nbilling statement. The Wisconsin Uniform Commercial Code,\nas well as applicable Landmark Credit Union policies and\nfees, will apply to Convenience Checks as if they were checks\ndrawn on a checking Account.\n5. Introductory Annual Percentage Rate and Monthly\nPeriodic Rate: Your introductory rate is 0%. This rate applies\nfor the first six billing periods (the \xe2\x80\x9cIntroductory Rate Period\xe2\x80\x9d),\nunless terminated in the event of delinquency. After the\nIntroductory Rate Period ends, your Monthly Periodic Rate\nand corresponding Annual Percentage Rate may vary as\ndescribed in Section 8.\n6. Rewards Program: Earn 1 point for every dollar\nin purchases, which can be redeemed for gift cards,\nmerchandise and travel. You may check available points and\nredeem points within your Landmark Credit Union Online or\nMobile Banking account.\nRestrictions on Rewards. Rewards points are based on\nqualifying net purchases. Rewards are not available: 1) on\ncash advances and Convenience Checks, 2) on any purchases\nthat exceed your available credit limit, 3) on any business\npurpose purchases, 4) upon your Account being closed for\nany reason, 5) past due or charged off accounts, 6) fraudulent\ncharges, 7) credit of any kind including returns, 8) balance\ntransfers. We reserve the right to discontinue providing you\nwith Rewards if you use your Card for other than consumer or\n\npersonal purposes. We reserve the right to cancel this Rewards\nprogram at any time.\n7. Finance Charge: Starting the first billing period after\nexpiration of the Introductory Rate, your Account will be\nsubject to a Finance Charge during any billing period during\nwhich you (a) received, or had outstanding, a cash advance;\nor (b) failed to pay in full the previous balance shown on\nthe statement during the first 27 days of the statement (the\n\xe2\x80\x9cGrace Period\xe2\x80\x9d).\nYour Landmark Rewards Visa\xc2\xae Platinum card Finance Charge is\ncalculated by applying the Monthly Periodic Rate, determined\nas set forth in Section 8 of this Agreement, to the \xe2\x80\x9caverage\ndaily balance\xe2\x80\x9d of your Account. To get the \xe2\x80\x9caverage daily\nbalance,\xe2\x80\x9d we take the beginning balance of the Account\neach day, reduced by any payment you make, credits we\napply, and any late payment fee due, and increased by any\ncash advances and, if the previous balance was not paid in\nfull during the Grace Period, all new credit purchases posted\nthrough that date. This gives us the daily balance. Then we\nadd all the daily balances for the billing period together and\ndivide the total by the number of days in the billing period.\nThis gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d All accounts are\nsubject to a Minimum Finance Charge of $1.00.\nYou can avoid incurring a Finance Charge on purchases\nby paying the New Balance in full within the Grace Period.\nHowever, a Finance Charge will be imposed on cash advances\nfrom the date made (on Convenience Checks from the date\ncleared), and will continue to accrue on any cash advances\nor Convenience Checks until your payment is received. If\na minimum payment or any portion thereof is past due by\nmore than 60 days, your Monthly Periodic Rate will increase\nto 2.499% (Annual Percentage Rate of 29.99%). This Penalty\nRate will be effective following any notice and waiting period\nrequired by law. Your Monthly Periodic Rate of 2.499%\n(Annual Percentage Rate of 29.99%) will remain on your\nAccount until your Account has been paid on time and with\nno other event of default for three (3) consecutive billing\nperiods after application of the Penalty Rate, at which point\nit will return to the Variable Rate determined as set forth in\nSection 8 of this Agreement.\n8. Variable Rate: Your Monthly Periodic Rate and\ncorresponding Annual Percentage Rate may vary. Effective\nMarch 1, 2020, your Annual Percentage Rate is determined by\nadding a margin of 15.74% to the Prime Rate published in the\nWall Street Journal. Effective Prime Rate for your interest rate\ncalculation will be identified on the 10th day of each month\nor the last date of publishing, if not published on the 10th. If\nPrime Rate has changed, your interest rate will also change\neffective the 1st day of the following calendar month and\nthe new rate will apply to any outstanding balance as well as\nfuture balance increases. Any promotional or penalty APR that\napplies to your card will not be affected by this change.\n\n9. Monthly Payment: Unless there has been no activity on\nyour Account since your last statement and your Account\nshows a zero balance, we will mail you a statement for every\nbilling period, showing your previous balance, the current\ntransactions on your Account, the remaining credit available\nunder your Credit Line, the applicable Monthly Periodic\nRate, the fees and Finance Charge, the new balance, and\nthe minimum payment due. Every billing period you must\npay at least the minimum payment by its due date. You may\npay more than the minimum or pay the new balance in full,\nwhich may reduce or avoid the Finance Charge. The minimum\npayment will be 2.0% of your new balance, or $25.00,\nwhichever is greater, or your full new balance if it is less than\n$25.00. We will apply your payment first to the finance charge\nand fees then to your unpaid balance in the order transactions\nwere posted to your Account. If a different Annual Percentage\nRate applies to different balances, any payment above the\nminimum payment will be applied to the balance bearing\nthe highest Annual Percentage Rate. A minimum payment is\nrequired for every billing period and any additional amount\npaid will reduce your balance but will not prepay any future\nminimum payment.\n10. Default: You will be in default if (i) your violation of\nany requirement of this Agreement materially impairs the\ncondition, value or protection of our right to any collateral\nsecuring your obligations under this Agreement or your ability\nto pay the obligations due under this Agreement; or (ii) you\nfail to make the minimum payment on or before the due date\ntwo times during any 12-month period. You will also be in\ndefault if your ability to repay us or the value or protection\nof our right in any collateral securing your obligations is\nmaterially impaired in the event you or your spouse die,\nchange marital status, change marital domicile, or become the\nsubject of bankruptcy or insolvency proceedings. If you are\nin default, we have a right to demand immediate payment of\nthe full balance, exercise our right to offset and/or commence\nlegal action to recover collateral or reduce the claim to a\njudgment after complying with all notice requirements as\nmandated by law.\n11. Security Interest: Each purchase and cash advance\nthrough your Account constitutes a transaction pursuant to an\nopen-end credit plan in the State of Wisconsin. You agree that\nthe Wisconsin Consumer Act applies to all these transactions\neven though you may use them for business purposes or you\nare a person not otherwise governed by the Act. To secure\neach transaction, you grant us a purchase-money security\ninterest under the Uniform Commercial Code in any goods you\npurchase with it. If you default, we will have the right to recover\nany of these goods, which have not been paid for in full.\nFor purposes of determining the amount of the unpaid\nbalance secured by our security interest, your payments will\nbe deemed to have been applied first to payment of finance\ncharges in order of their entry to the account and then to\npayment of the respective amounts financed in the order\nin which the entries were made and, for transactions made\n\n\x0c'