2.  Within 90 days of receiving your letter, we must either 

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:
Cardholder Services
PO Box 183258
Columbus OH 43218-3258
Or, contact electronically at dispute.services@fiserv.com. 
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.

      Starter Credit Card 
Agreement and Disclosure

LANDMARK CREDIT UNION
5445 S. Westridge Drive, P.O. Box 510870
New Berlin, WI 53151-0870
(262) 796-4500, x6609

If your card is lost or stolen, notify us immediately:
In the U.S. call (866) 952-8199
Outside the U.S. call (301) 945-9967

your home and/or dwelling, home furnishings, appliances and 
clothing), including, if your balance exceeds $1,000 and except 
as otherwise expressly excluded herein, any real property.

fraudulent in handling or using your account or your Card. If 
you do not meet these conditions, or if the unauthorized use 
was at an ATM, your liability will not exceed $50.00.

11. Credits: If plan members who honor your Card give you 
credit for returns or adjustments, they will do so by sending us 
a credit slip that we will post to your Account. We will apply 
those credits first to offset your current purchases, and then 
to your previous balance. If your credits and payments exceed 
what you owe us, we will hold and apply this credit balance 
against future purchases and cash advances, or refund it on 
your written request if it is $1.00 or more. We will make a good 
faith attempt to return to you any credit balance that remains 
in your Account for more than six months.

12. Plan member Disputes: We are not responsible for refusal 
of any plan member or financial institution to honor your Card 
or Convenience Check. You must resolve directly with the 
plan member any disputes regarding goods or services 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 $50.00 and 
was made from a plan member in your state or within 100 
miles of your home.

13. Foreign Transaction Fee: A transaction that takes place 
in a foreign country will be charged 1% of the US dollar 
amount whether the transaction was made in US dollars 
or was converted from a foreign currency. For transactions 
being converted from a foreign currency, Visa® International 
will convert foreign currency to US dollars using either the 
government-mandated exchange rate or the wholesale 
exchange rate in effect one day before the date of the 
conversion, as applicable. The exchange rate is increased by 
one percent (1%) if the conversion is made in connection 
with a charge to an account and decreased by one percent 
(1%) if the conversion is made in connection with a credit 
to the Account. The date of conversion by Visa® may differ 
from the purchase date and the posting date identified in the 
monthly statement for your Account. You agree to pay charges 
and accept credit for the converted transaction amounts in 
accordance with the terms of this paragraph.

14. Unauthorized Use: You authorize us to pay from your 
Account all items reflecting credit purchases or cash advances 
made with the Card in spite of the absence of your signature 
on the draft or the lack of presentation of the Card. You may 
be liable for unauthorized use of your Visa® Platinum Card. 
However, YOU WILL NOT BE LIABLE FOR UNAUTHORIZED USE 
THAT OCCURS AFTER YOU NOTIFY US OF THE LOSS, THEFT, 
DISPUTE OR POSSIBLE UNAUTHORIZED USE OF YOUR CARD 
(Contact in writing at Cardholder Services, P.O. Box 183258, 
Columbus, OH 43218-3258; Visa® Platinum Card for Customer 
Service and to list as Lost or Stolen please call 1-866-952-8199; 
electronically at dispute.services@fiserv.com.) In addition, 
you will not be liable for unauthorized purchases with your 
Visa® Platinum Card if you have not been grossly negligent or 

15. Effect of Regulations: This agreement is the contract 
that applies to all transactions on your Account even though 
the sales, cash advances, or credit slips you sign may contain 
different terms. We may amend this Agreement from time 
to time. If required by Section 422.415, Wis. Stats., we will 
provide written notice of an amendment 90 days prior to 
the date the amendment is effective. Your use of the Card or 
Convenience Check thereafter will indicate your agreement 
to the amendments. To the extent the law permits, and 
we indicate in our notice, amendments will apply to your 
existing Account balance as well as to future transactions. 
No delay or omission in exercising any rights granted to us 
hereunder shall impair such rights or be construed to be a 
waiver thereof. No waiver whatsoever shall be valid unless 
signed in writing by us and then only to the extent set forth 
therein.

16. Fees and Charges:  (a) As permitted by Wisconsin 
Statutes, a $25.00 late payment fee will be assessed against 
your Account if we do not receive your minimum payment 
on or before the due date set forth on your periodic 
statement. (b) You will be charged a lost Card replacement 
fee of $6.00 for any lost Card which we must replace. To 
limit your personal liability, contact us immediately upon 
discovery of loss. (c) You will be provided one periodic 
statement per billing period and will be charged for each 
duplicate billing statement, draft, or machine receipt you 
request. Check our website, landmarkcu.com, or a fee 
schedule in any branch for the current fee. These fees will 
not be charged if the request is related to a billing error 
under the Fair Credit Billing Act. (d) There will be a $30.00 
charge for each check presented in payment that is returned 
unpaid. (e) There will be a cash advance fee the greater of 
$10.00 or 3% of the amount of the cash advance.  

17. Termination: If you are a resident of Wisconsin, our 
receipt of a written notice from your spouse terminating his 
or her liability for the Account will constitute an event of 
default if such termination materially impairs the condition, 
value or protection of our right to any collateral securing 
your obligations under this Agreement or your ability to pay 
the obligations due under this Agreement. You will remain 
responsible for all amounts charged to your Account both 
before and after receipt of such notice. Your privilege of 
using the Card and the Account shall expire on the date 
shown on the Card. You may terminate your Account 
relationship with us at any time by surrendering to us all 
your Cards and unused Convenience Checks, but you will 
remain liable to us for full payment of any balance on your 
Account. We may revoke your Card at any time without prior 
notification and without affecting your obligation to pay the 
Account balance.

18. Change of Address: We will send all Account statements 
and any other notices concerning this Account to your address 
as shown in our records. If you change your address, you must 
notify us of your new address within a reasonable time.

19. Applicable State Laws: The validity, construction, and 
enforcement of this Agreement and all matters arising out 
of the issuance and use of the Card shall be governed by the 
laws of Wisconsin.

20. Joint Account: You agree that all parties to your 
Account are authorized on your behalf to request Credit 
Line increases, to agree to amendments or modifications 
to the Account, to enter into settlements or agreements 
with us regarding the Account, to request additional Cards, 
or to authorize others to transact business on the Account. 
You agree to be jointly and severally liable for all charges to 
the Account made or authorized by any other party to the 
Account, whether or not such charges caused the Account 
balance to exceed the Credit Limit.

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:

Cardholder Services
PO Box 183258
Columbus OH 43218-3258

Or, contact electronically at dispute.services@fiserv.com. 

In your letter, give us the following information:

•  Account information: Your name and account number.
•  Dollar amount: The dollar amount of the suspected error.
•  Description of problem: 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 or 
electronically. 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.

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:

1.  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.

2.  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.

Starter 16.74                                                                0.6M   
8/19                                                                         3645052

®

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for
Purchases and Balance Transfers

APR for Cash Advances

Penalty APR and 
When it Applies

Paying Interest

Your APR will be
21.99% 
This APR will vary with the market based upon the Prime Rate.
25.99% 
This APR will vary with the market based upon the Prime Rate.  
29.99%
This APR may be applied to your account if a minimum payment or portion thereof is past due by more 
than 60 days.
How long will the Penalty APR apply? If your APRs are increased for the reason set forth here, the 
Penalty APR will apply until you make three consecutive minimum payments on time.

Your due date is at least 27 days after the close of each billing cycle. We will not charge you any interest on 
purchases and balance transfers if you pay your entire balance by the due date each month. We will begin 
charging interest on cash advances on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from the
Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore

Fees

Annual Fees

Transaction Fees
• Balance Transfer

• Cash Advance

$30.00

None 

Greater of $10.00 or 3% of the cash advance amount

• Foreign Transaction

1% of the amount of the transaction

Penalty Fees
• Late Payment

• Over the Credit Limit

• Returned Payment

Up to $25.00 

None

Up to $30.00

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). See Section 6 of 
the Account Agrrement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided at the end of the 
Agreement. 

This card is issued by Landmark Credit Union pursuant to a license from Visa® USA Inc. 
Balance transfers from a Landmark credit card may not be eligible. Maximum cash advance is 50% of credit limit.

Credit Card Rules, Regulations, and Disclosures

Keep This Notice for Future Use. This Agreement and 
Disclosure (“Agreement”) is effective as of August 2019. In 
this Agreement, the words “you” and “your” mean each and 
all of those who applied for or received, or who signed and 
used, the Card. The term “Card” means your Rewards Visa® 
Platinum Card issued by Landmark Credit Union, pursuant to 
a license from Visa® USA Inc., and any duplicates or renewals 
we issue. “We,” “us” and “our” means Landmark Credit Union. 
“Account” means your Landmark Credit Union Rewards Visa® 
Platinum Card account.

1. Responsibility: If you apply for and receive a Card from 
us, you agree to this Agreement. You also agree to repay 
all debts and any Finance Charges or any other fees or 
charges arising from use of the Cards and the Card account. 
For example, you are responsible for any charges made by 
yourself and anyone else to whom you give the Card. This 
responsibility continues until you recover and return the 
Card to us. Except to the extent permitted by law, you cannot 
disclaim your responsibility for such charges by notifying us, 
and your responsibility continues even though an agreement, 
divorce decree or other court judgment to which we are 
not a party, may direct you or one of the other persons 
held responsible under the Account to pay the Account. 
Any person using the Card shall be jointly responsible with 
you for the charges made, and if that person signs the card, 
and receives a copy of this Agreement, he or she is also 
responsible for all charges on the Account, including yours.

2. Credit Line: We will establish a maximum credit limit for 
your Account (“Credit Line”) and advise you of its amount. 
You agree not to let the Account balance exceed the Credit 
Line, but you remain responsible for payment if it does. 
Any Account balance in excess of the Credit Line is payable 
immediately. We reserve the right to reduce your Credit Line, 
from time to time, or to revoke your Card, without affecting 
your obligation to pay all Account balances. Maximum cash 
advance is 50% of your Credit Line. The Cards remain our 
property, and if we request, you must recover and surrender 
to us all Cards we issued on your Account.

3. Use of the Card: To make a purchase or cash advance, 
present the Card to an authorized plan member or financial 
institution and sign the sales or cash advance draft that 
will be imprinted with your Card. You may also obtain a 
cash advance with the Card at certain automated terminals. 
Regular transactions are counted against your Credit Line. 
You will receive a copy of the draft (or machine receipt at a 
terminal at which there is no attendant), which you should 
retain to verify your monthly statement. We reserve the right 
to make a reasonable charge for photostatic or duplicate 
copies of drafts or machine receipts you may request. Your 
Card may not be used for any transaction that is illegal under 
Federal, State or local law. Also, your Card may not be used 
for any Gambling including Internet Gambling.

4. Convenience Checks: We may, from time to time, supply 
you with personalized Convenience Checks that are subject 
to the following conditions. Only the person whose name is 
printed on a Convenience Check may sign it. All Convenience 
Checks must be written in U.S. dollars. We will not certify a 
Convenience Check. We are entitled to return a Convenience 
Check unpaid if there is not enough available Credit Line 
on your Account to pay for it, if you are in default under 
this Agreement, if your Card or Convenience Check has 
been reported lost or stolen, if your Convenience Check is 
postdated, if your right to use Convenience Checks has been 
cancelled or suspended, or if your Account has been closed. 
In addition, we may refuse to honor a Convenience Check 
whenever we would be entitled to dishonor an ordinary 
check. If we refuse, under the terms of these Regulations, to 
honor a Convenience Check issued by you, we may charge 
your Account a NSF fee. Check our website, landmarkcu.
com, or a fee schedule in any branch for current fee. A 
Convenience Check cannot be used to make a payment on 
any Landmark Credit Union Visa® Account.

Any Convenience Check that we pay will be posted to your 
Account as a cash advance and will be subject to all the terms 
in this Agreement that apply to cash advances. We shall have 
no liability for any Convenience Check that we return because 
it was written for an amount in excess of your available Credit 
Line. Convenience Checks that you use and we pay will not 
be returned to you but will be identified on your monthly 
billing statement. The Wisconsin Uniform Commercial Code, 
as well as applicable Landmark Credit Union policies and 
fees, will apply to Convenience Checks as if they were checks 
drawn on a checking Account.

5. Rewards Program: Earn 1 point for every dollar 
in purchases, which can be redeemed for gift cards, 
merchandise and travel. You may check available points and 
redeem points within your Landmark Credit Union Online or 
Mobile Banking account.

Restrictions on Rewards. Rewards points are based on 
qualifying net purchases Rewards are not available: 1) on cash 
advances and Convenience Checks, 2) on any purchases that 
exceed your available credit limit, 3) on any business purpose 
purchases, 4) upon your Account being closed for any reason, 
5) past due or charged off accounts, 6) fraudulent charges,    
7) credit of any kind including returns. We reserve the right to 
discontinue providing you with Rewards if you use your Card 
for other than consumer or personal purposes. We reserve 
the right to cancel this Rewards program at any time.

6. Finance Charge: Starting the first billing period after 
expiration of the Introductory Rate, your Account will be 
subject to a Finance Charge during any billing period during 
which you (a) received, or had outstanding, a cash advance; 
or (b) failed to pay in full the previous balance shown on 
the statement during the first 27 days of the statement (the 
“Grace Period”). 

 Your Landmark Starter Visa® Platinum card Finance Charge is 
calculated by applying the Monthly Periodic Rate, determined 
as set forth in Section 8 of this Agreement, to the “average 
daily balance” of your Account. To get the “average daily 
balance,” we take the beginning balance of the Account 
each day, reduced by any payment you make, credits we 
apply, and any late payment fee due, and increased by any 
cash advances and, if the previous balance was not paid in 
full during the Grace Period, all new credit purchases posted 
through that date. This gives us the daily balance. Then we 
add all the daily balances for the billing period together and 
divide the total by the number of days in the billing period. 
This gives us the “average daily balance.” All accounts are 
subject to a Minimum Finance Charge of $1.00.

You can avoid incurring a Finance Charge on purchases 
by paying the New Balance in full within the Grace Period. 
However, a Finance Charge will be imposed on cash advances 
from the date made (on Convenience Checks from the date 
cleared), and will continue to accrue on any cash advances 
or Convenience Checks until your payment is received. If 
a minimum payment or any portion thereof is past due by 
more than 60 days, your Monthly Periodic Rate will increase 
to 2.499% (Annual Percentage Rate of 29.99%). This Penalty 
Rate will be effective following any notice and waiting period 
required by law. Your Monthly Periodic Rate of 2.499% 
(Annual Percentage Rate of 29.99%) will remain on your 
Account until your Account has been paid on time and with 
no other event of default for three (3) consecutive billing 
periods after application of the Penalty Rate, at which point 
it will return to the Variable Rate determined as set forth in 
Section 8 of this Agreement.

7. Variable Rate: Your Monthly Periodic Rate and 
corresponding Annual Percentage Rate may vary. Your Annual 
Percentage Rate is determined by adding a margin of 16.74% 
to the Prime Rate published in the Wall Street Journal on the 
first business day of the calendar month preceding the month 
in which the billing period in which the rate will apply begins. 

8. Monthly Payment: Unless there has been no activity on 
your Account since your last statement and your Account 
shows a zero balance, we will mail you a statement for every 
billing period, showing your previous balance, the current 
transactions on your Account, the remaining credit available 
under your Credit Line, the applicable Monthly Periodic 
Rate, the fees and Finance Charge, the new balance, and 
the minimum payment due. Every billing period you must 
pay at least the minimum payment by its due date. You 
may pay more than the minimum or pay the new balance 
in full, which may reduce or avoid the Finance Charge. The 
minimum payment will be 2.0% of your new balance, or 
$25.00, whichever is greater, or your full new balance if it 
is less than $25.00. We will apply your payment first to the 
finance charge and fees then to your unpaid balance in the 
order transactions were posted to your Account. If a different 
Annual Percentage Rate applies to different balances, any 

payment above the minimum payment will be applied to 
the balance bearing the highest Annual Percentage Rate. A 
minimum payment is required for every billing period and any 
additional amount paid will reduce your balance but will not 
prepay any future minimum payment.

9. Default: You will be in default if (i) your violation of 
any requirement of this Agreement materially impairs the 
condition, value or protection of our right to any collateral 
securing your obligations under this Agreement or your ability 
to pay the obligations due under this Agreement; or (ii) you fail 
to make the minimum payment on or before the due date two 
times during any 12-month period. You will also be in default if 
your ability to repay us or the value or protection of our right in 
any collateral securing your obligations is materially impaired 
in the event you or your spouse die, change marital status, 
change marital domicile, or become the subject of bankruptcy 
or insolvency proceedings. If you are in default, we have a right 
to demand immediate payment of the full balance, exercise 
our right to offset and/or commence legal action to recover 
collateral or reduce the claim to a judgment after complying 
with all notice requirements as mandated by law.

10. Security Interest: Each purchase and cash advance 
through your Account constitutes a transaction pursuant to an 
open-end credit plan in the State of Wisconsin. You agree that 
the Wisconsin Consumer Act applies to all these transactions 
even though you may use them for business purposes or you 
are a person not otherwise governed by the Act. To secure 
each transaction, you grant us a purchase-money security 
interest under the Uniform Commercial Code in any goods you 
purchase with it. If you default, we will have the right to recover 
any of these goods, which have not been paid for in full. 

For purposes of determining the amount of the unpaid balance 
secured by our security interest, your payments will be deemed 
to have been applied first to payment of finance charges in 
order of their entry to the account and then to payment of the 
respective amounts financed in the order in which the entries 
were made and, for transactions made on the same day, the 
smallest shall be deemed the first paid. By using your card 
you are granting us a security interest in all your funds in your 
present and future Landmark Credit Union deposit accounts, 
except IRAs and any other accounts exempted by state and 
federal law, to the full amount of your credit card indebtedness 
with us. Should you default under the terms of this Agreement, 
we may, at our sole option, subject to any notice and right to 
cure required by Wis. Stat. Sec. 425.105, at any time thereafter, 
exercise our right of set-off and apply any portion of, or the
 entire amount of, such funds toward payment of the 
outstanding indebtedness, and/or, we may exercise our right 
to refuse to allow withdrawal from such accounts to the full 
extent of the delinquent amount, all of which is subject to 
the restrictions contained in Section. 1026.13 (d) (1) of federal 
Reg. Z. If you give, have given or will give us any other security 
interests for all your debts, your Account will also be secured 
by the property described in those security agreements (except