Billing Rights: Information on your rights to dispute transactions 
and how to exercise those rights is provided at the end of the 
Account Regulations below. 

1. Responsibility: If you apply for and receive a Card from us, you 
agree to these Regulations. 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 these Regulations, 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 limit. 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 on your Account to pay for it, if you 
are in default under these Regulations, 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
these Regulations 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. Finance Charge: 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 Platinum Visa® Finance Charge is calculated by 
applying the Monthly Periodic Rate, determined as set forth in 
Section 7 of these Regulations, 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 6 of these 
Regulations.

6. Variable Rate: Your Monthly Periodic Rate and corresponding 
Annual Percentage Rate may vary. Your Monthly Periodic Rate is
determined by adding a margin of 16.74% for purchases and 
20.74% for cash advances 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. 

7. 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 
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.

8. Default: You will be in default if (i) your violation of any 
requirement of these Regulations materially impairs the condition, 
value or protection of our right to any collateral securing your 
obligations under these Regulations or your ability to pay the 
obligations due under these Regulations; 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 the right to demand immediate payment 
of your full Account balance and commence legal action to recover 
collateral or reduce the claim to a judgment, if you do not cure your 
default within 15 days after we mail you a written default notice.

9. 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. You are hereby 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 these 

Regulations, 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 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.

10. 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.

11. 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.

12. 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 an 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.

13. 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, OR POSSIBLE 
UNAUTHORIZED USE OF YOUR CARD (Customer Service, 
P.O. Box 31535, Tampa, FL 33631-3535; VISA® Platinum Card 
Telephone for Customer Service and to list as Lost or Stolen 
please call 1-866-952-8199.) In addition, you will not be liable for 
unauthorized purchases with your VISA® Platinum Card if you 
have not been grossly negligent or 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.

14. Effect of Regulations: These Regulations are 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 these Regulations 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.

15. Fees and Charges: (a) You will be charged an annual fee 
of $30.00; (b) As permitted by Wisconsin Statues, 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; (c) You will be charged a lost Card 
replacement fee of $10.00 for any lost Card which we must replace. 
To limit your personal liability, contact us immediately upon 
discovery of loss. (d) 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. (e) There will be a 
$30.00 charge for each check presented in payment that is returned 
unpaid. (f) There will be a cash advance fee the greater of $10.00 or 
3% of the amount of the cash advance.  

16. 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 these Regulations or 
your ability to pay the obligations due under these Regulations. 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.

17. 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.

18. Applicable State Laws: The validity, construction, and 
enforcement of these Regulations and all matters arising out of 
the issuance and use of the Card shall be governed by the laws of 
Wisconsin.

19. Joint Account: You agree that all parties to your Account 
are authorized on your behalf to request credit limit 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 NOTICE FOR FUTURE USE

This notice contains important information about your rights and our 
responsibilities under the Fair Credit Billing Act. Notify us in Case 
of Errors or Questions About Your Statement.

If you think your bill is incorrect, or if you need more information 
about a transaction on your bill, write us at the address listed on 
your bill. Write us as soon as possible. We must receive written 
notice from you no later than 60 days after the transaction date 
of the charge(s) in question. You can telephone us, but doing so 
will not preserve your rights. In your letter, provide the following 
information:

- Your name and Account number.

- The dollar amount of the suspected error.

- Describe the error and explain why you believe there is an error.

- If you need more information, describe the item not understood.

If you have authorized us to pay your bill automatically from your 
other Accounts with us, you can stop the payment on any amount you 
think is wrong. To stop the payment, your letter must reach us three 
business days before the automatic payment is scheduled to occur.

YOUR RIGHTS AND OUR RESPONSIBILITIES 

AFTER WE RECEIVE YOUR WRITTEN NOTICE.

We must acknowledge your letter within 30 days, unless we have 
corrected the error by then. Within 90 days, we must either correct the 
error or explain why we believe the bill was correct. After we receive 
your letter, we cannot try to collect any amount you question, or 
report you as delinquent. We can continue to bill you for the amount 
you question, including Finance Charges, and we can apply any 
unpaid amount against your credit limit. You do not have to pay any 
questioned amount while we are investigating, but you are responsible 
for the remaining balance of your bill that is not in question.

If we find that we made a mistake on your bill, you will not have to 
pay any Finance Charges related to the questioned amount. If we 
did not make a mistake, you may have to pay Finance Charges, and 

you will have to make up any missed payments on the questioned 
amount. In either case, we will send you a statement of the amount 
you owe and the date that it is due. If you fail to pay the amount 
that we think you owe, we may report you as delinquent. However, 
if our explanation does not satisfy you and you write to us within 
ten days telling us that you still refuse to pay, we must tell anyone 
we report to that you have a question about your bill. And, we must 
tell you the name of anyone to whom we report you. We must tell 
anyone we report you to that the matter has been settled between 
you and us when it finally is. If we do not follow these rules, we 
cannot collect the first $50.00 of the questioned amount, even if 
your bill was correct.

SPECIAL RULE FOR CREDIT CARD PURCHASES

If you have a problem with the quality of property or services that 
you purchased with the Card, and you have tried in good faith to 
correct the problem with the merchant, you may have the right 
not to pay the remaining amount due on the property or services. 
There are two limitations on this right: (a) You must have made 
the purchase in your home state, or if not, within 100 miles of your 
current mailing address; and (b) The purchase price must have been 
more than $50.00. These limitations do not apply if we own or 
operate the merchant, or if we mailed you the advertisement for the 
property or service.

®

0.5M
0115                                                    I002360

     platinum Starter 
Credit Card 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 by calling: 1-800-325-3678

Credit Card Rules, Regulations, and Disclosures

Keep This Notice for Future Use. These Regulations are effective 
as of January, 2015. In these Regulations, 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 
VISA® Platinum Card issued by Landmark Credit Union and any 
duplicates or renewals we issue. “We,” “us” and “our” means 
Landmark Credit Union. “Account” means your Landmark Credit 
Union VISA® Platinum Card account.

See insert for current rate and fee information.

How We Will Calculate Your Balance: We use a method called 
“average daily balance” (including new purchases. See Section 6 of 
the Account Regulations below for more details.