Disclosure: Starter Visa

Annual 
Percentage Rate 
(APR) for
Purchases and
non-Landmark
Balance Transfers

APR for 
Cash Advances

Penalty APR
and When it 
Applies

Your APR will be
22.24% 
This APR will vary with the market based 
upon the Prime Rate.

Your APR will be 26.24%  
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.

How to avoid 
Paying Interest 
on Purchases

Your due date is at least 27 days after the 
close of each billing cycle. We will not charge 
you any interest on purchases if you pay your 
entire balance by the due date each month.  

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

Annual Fees

$30.00

Transaction Fees
• Balance Transfer

None 

• Cash Advance

• Foreign 
    Transaction

Penalty Fees
• Late Payment

• Over the Credit 
   Limit
• Returned  
   Payment

Greater of $10.00 or 3% of the cash advance 
amount

1% of the amount of the transaction

Up to $25 

None

Up to $30.00

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 Line 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.

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 7 of these Regulations.

5. Rewards Program: Earn 1 point for every dollar in purchases, 
which can be redeemed for gift cards, merchandise and travel. 
Rewards points are based on qualifying net purchases (purchases 
minus any credit or returns). You may check available points and 
redeem points within your Landmark Credit Union Online or 
Mobile Banking account.

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. 

Restrictions  on  Rewards.  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.  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: 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 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 

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 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.  

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.

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 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 (Cardholder Services, P.O. 
Box 183258, Columbus, OH 43218-3258; 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.

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) You will be charged an annual fee 
of $30.00; (b) 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; (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.  

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 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 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 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.

®

Starter 16.74                                                                   0.25M 
1/19                                                                             3645052

     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 by calling: 1-866-952-8199

This card is issued by Landmark Credit Union 
pursuant to a license from Visa USA Inc. 

Credit Card Rules, Regulations, and Disclosures

Keep This Notice for Future Use. These Rules and Regulations are 
effective as of January 2019. 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 
Starter 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 Starter Visa® Platinum Card account.

How We Will Calculate Your Balance: We use a method called 
“average daily balance” (including new purchases). See Section 6 
of the Account Regulations 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 
Account Regulations.