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 Charge 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 have 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 an 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. Introductory Annual Percentage Rate and Monthly Periodic 
Rate: Your introductory rate is 0%. This rate applies for the 
first six billing periods (the “Introductory Rate Period”), unless 
terminated in the event of delinquency. After the Introductory 
Rate Period ends, your Monthly Periodic Rate and corresponding 
Annual Percentage Rate may vary as described in Section 7.

6. 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 6 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 
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.

7. Variable Rate: Your Monthly Periodic Rate and corresponding 
Annual Percentage Rate may vary. Your Monthly Periodic Rate 
is determined by adding a margin of 7.74% 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% 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.

9. 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 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. 

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.

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.

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 

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 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.

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, 
OR POSSIBLE UNAUTHORIZED USE OF YOUR CARD (Customer 
Service, P.O. Box 31535, Tampa, FL 33631-3535; VISA® Platinum 
Card Telephone: 1-800-325-3678.) 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.

15. 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.

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; this amount may 
be reduced to $20.00 if the balance on your account at the time 
of the late fee is less than $1,000. (b) 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. (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 $5.00 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 
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.

18. Change of Address: We will send all Account statements 
and any other notices concerning this Account to your address 
as shown on 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 these Regulations 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 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 we have sent you 
the first bill on which the error or problem appeared. 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 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 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.

 Rewards Credit Card
Disclosure

LANDMARK CREDIT UNION
5445 S. Westridge Drive, P.O. Box 510870
New Berlin, WI 53151-00870
(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  June  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 5 
of the Account Regulations below for more details.

7.74 (Rewards 680 / VPL 600)                                           1M 
615                                                                               1002451

Loss of Introductory APR: We may end your introductory APR 
and apply the Penalty APR if a minimum payment or portion 
thereof is past due by more than 60 days.