Credit Card 

Line of Credit 

agreement 

and 

disCLosures

1-888-KeesLer (533-7537)
www.kfcu.org

i m p o r t a n t   t o   y o u .   i m p o r t a n t   t o   u s .

M-103524

tabLe of Contents

CREDIT CARD LINE OF AGREEMENT AND DISCLOSURES

3-6

FINANCE CHARGE CALCULATION METHODS 

MASTERCARD® LIABILITY FOR UNAUTHORIZED USE

VISA® LIABILITY FOR UNAUTHORIZED USE

YOUR BILLING RIGHTS

ERRORS OR QUESTIONS ABOUT YOUR BILL

SPECIAL RULES FOR CREDIT CARD PURCHASES

6

7

7

7

7

8

DISCLOSURE STATEMENT FOR PREAUTHORIZED EFT FOR 
CREDIT CARD PAYMENTS

8-10

GOLD MASTERCARD® OVERSEAS LIMITATIONS

INTEREST RATES AND FEES SCHEDULE

VISA PLATINUM REWARDS REBATE 
PROGRAM RULES

BRANCH LOCATIONS AND HOURS

10

11

12-14

16

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Keesler Federal Credit Union

CREdIT CARd LINE OF CREdIT 
AGREEMENT ANd dISCLOSURES

important:  pLease read tHe Credit Card 
agreement and disCLosures.

The purpose of this Agreement is to establish the terms and 
conditions of your line of Credit.

In  this  Agreement  the  words  “you”  or  “your”  means  each 
person who applied for the Keesler Federal Credit Union credit 
card or who uses the credit card or duplicate credit card.

Use of the word “card” in its singular form may also refer to 
the  plural.    The  word  “card”  also  means  your  KFCU  credit 
card and duplicates of said card.  The word “account” means 
your KFCU credit card revolving credit account with Keesler 
Federal Credit Union (the “Credit Union”).  

1.  You have applied for a line of credit that you can use from 
time to time and which may be replenished by payment on 
amounts previously drawn.
2.  This Agreement establishes your request for the issuance 
of a credit card.  The credit limit approved shall be determined 
by the Credit Union, and this credit limit will be drawn upon as 
you utilize an issued credit card.
3.  A  FINANCE  CHARGE  (interest)  will  be  charged  on  any 
outstanding balances that are not repaid within the allowable 
25-day  grace  period  established  by  the  Credit  Union.    The 
Balance  Calculation  Method  used  by  the  Credit  Union 
is  the  “average  daily  balance”  method  including  current 
transactions”.
4.  The Credit Union reserves the right to change the rate of 
the FINANCE CHARGE upon giving notice required by law.
5.  Other  charges  may  also  be  assessed  against  your 
account as follows:
a)  A late charge of up to $15.00 will be assessed against 
your  account  when  the  minimum  monthly  payment  as 
indicated  on  your  account  statement  is  not  paid  within  10 
days after the due date.
b)  A  cash  advance  fee  of  $2.50  will  be  charged  to  your 
account  for  each  cash  advance  obtained  utilizing  your 
account.
c)  A return item fee of up to $20.00 will be assessed against 
your  account  for  any  item  returned  for  non-sufficient  funds 
or closed account.  This includes but is not limited to, check 
payments mailed to our Service Center or Credit Union and 
check payments made at a local branch.  
d)  A statement copy fee of $1.00 per page, will be assessed 
against your account for requested statement copies

3

Interest on convenience checks will begin to accrue as of 

If  you  select  convenience  checks,  the  following  would 

6. 
apply:
•  Convenience  checks  when  written  are  considered  cash 
advances and would be assessed the stated cash advance 
fee per check.
• 
the date of the advance.
•  The Credit Union reserves the right to return any check 
not written for at least the minimum amounts shown on the 
check.
•  The following fees would apply for convenience checks:
-Return check - $2.00
-Check copy - $2.50
-Stop payment - $5.00 per request
7.  The  minimum  periodic  payment  required  is  the  total 
New Balance as shown on your monthly account statement 
if the amount is under $10.00.  If the New Balance exceeds 
$10.00, the minimum periodic payment is 3% of that portion 
of the New Balance which does not exceed your credit limit, 
plus the entire portion of the New Balance in excess of your 
credit limit, plus any amount past due, or $10.00, whichever 
is greater.
8.  You  promise  to  pay  any  and  all  charges  by  you  or  any 
person whom you authorized to use the credit card issued to 
you.
9.  You  also  agree  to  pay  all  costs  incurred  by  the  Credit 
Union  in  collecting  your  indebtedness  or  in  enforcing  this 
Agreement,  including  attorney’s  fees  or  10%  of  the  unpaid 
balance or such greater amount as may be reasonable and 
just,  and  also  those  costs,  expenses  and  attorney’s  fees 
incurred in appellate proceedings.
10.  You  understand  and  agree  that  the  Credit  Union  has 
the  authority  to  impress  and  enforce  a  statutory  lien  on  all 
present and future shares in your name to the extent of that 
portion of the loan balance which may be in default, including 
cost of collection and reasonable attorney’s fees.  Further you 
hereby  expressly  agree  and  consent  that  the  Credit  Union 
may apply such shares in payment of that portion of the loan 
balance which may be in default under this Agreement which 
may  include  a  FINANCE  CHARGE,  including  other  charges, 
and that such application may be pursuant to such a pledge 
or as a right of offset, and can be exercised without further 
notice to you.  If you have any loans with the Credit Union, or 
take out other loans in the future, collateral securing those 
loans will also secure your obligation under this Agreement.  
However, unless you expressly agree otherwise, your primary 
dwelling will not secure your obligation under this Agreement 
even if the Credit Union has or later acquires a mortgage on 
the dwelling.
11.  As a holder of a credit card, you understand that you can 
repay any outstanding balance prior to maturity in whole or 
part at your option without penalty.  If Promotional Balance(s) 
exists, we may allocate all of the minimum monthly payments 
to  the  promotional  balance(s)  before  the  non-promotional 
balance(s).

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12.  Foreign  transactions  conducted  in  a  foreign  currency 
will  be  converted  to  a  U.S.  dollar  amount.    Currently,  the 
conversion  rate  used  to  determine  the  transaction  amount 
in U.S. dollars for such a transaction generally will be either 
the  government  mandated  rate  or  a  wholesale  rate  for  the 
processing  cycle  in  which  the  transaction  is  processed, 
increased by an adjustment factor established from time to 
time.  The currency conversion rate used on the processing 
date may differ from the rate that would have been used on 
the purchase date or cardholder statement posting date.
13.  The  Credit  Union  is  not  responsible  for  the  refusal  or 
failure  of  any  merchant,  bank  or  automated  equipment  to 
honor or accept your credit card.  Except as indicated in the 
Billing  Rights  Summary  on  Page  7,  the  Credit  Union  is  not 
responsible for any goods or services you purchase with your 
credit card and you must resolve all disputes directly with the 
merchant.
14.  You authorize the Credit Union to pay for your account, 
all  items  reflecting  purchases  or  cash  advances  made  with 
your credit card in spite of the absence of your signature on 
a draft or the lack of your presentation of the credit card.  By 
giving  your  credit  card  to  someone  else,  you  authorize  all 
purchases and cash advances made by the person until you 
have notified us that further transactions are unauthorized.
15.  Prior to your use of the credit card that may be issued, 
you  agree  to  comply  with  all  of  the  terms  and  conditions 
established  by  the  Credit  Union’s  Board  of  directors 
pertaining to the use of such credit card.  In the event you do 
not wish to comply with the foregoing terms and conditions for 
any reason, you may terminate this Agreement and return the 
credit card to the Credit Union.
16.  You  acknowledge  and  agree  that  the  Credit  Union  may 
terminate this Agreement under the following conditions: (a) 
upon adverse reevaluation of your creditworthiness, (b) upon 
your failure to satisfy the terms of this agreement, or (c) at 
your  option  or  at  the  Credit  Union’s  option  if  it  has  a  good 
cause.
17.  If your line of credit is terminated by the Credit Union, you 
shall receive written notice of such termination; however, you 
understand and acknowledge that such termination shall not 
affect your obligation to pay any outstanding balance.
18.  You understand that the Credit Union‘s Board of directors 
may require that your loan file be reviewed periodically, and 
you  hereby  give  your  permission  and  authorize  the  Credit 
Union to investigate and reassess your creditworthiness.
19.  You  understand  that  the  Credit  Union  may  require 
reverification and approval if: (a) the credit limit is increased 
or (b) the terms of payment are extended beyond the terms of 
the original Agreement.
20.  You fully understand, acknowledge and agree that if any 
loans become delinquent or past due, your credit card shall be 
revoked unless the Credit Union determines that extenuating 
circumstances  have  contributed  to  the  delinquency.    Under 
such  circumstances,  the  Credit  Union  may  approve  your 
continued use of the credit card.

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21.  You  understand 
that  you  MUST  maintain  your 
membership  with  Keesler  Federal  Credit  Union  to  continue 
your use of the credit card.
22.  You  agree  and  understand  that  your  credit  card  is 
intended  only  for  legitimate  consumer  use  and  may  not  be 
used for any illegal transaction.

FINANCE CHARGE CALCULATION METHOdS

The FINANCE CHARGE Calculation Method applicable to your 
account  for  Cash  Advances  and  Credit  Purchases  of  Goods 
and Services that you obtain through the use of your credit 
card is specified below:

METHOd  F-  To  avoid  incurring  additional    FINANCE  CHARGE 
on the balance of Cash Advances (and Credit Purchases, if 
this Method F is specified as applicable to Credit Purchases) 
reflected  on  your  statement  on  or  before  the  Payment  Due 
date the FINANCE CHARGES for a billing cycle are computed 
by  applying  the  monthly  Periodic  Rate  to  the  Average 
daily  Balance  of  Cash  Advances  (and,  if  applicable  Credit 
Purchases), which is determined by dividing the sum of the 
daily  Balances  during  the  billing  cycle  by  the  number  of 
days in the cycle, plus applicable Cash Advance Fees.  Each 
daily  balance  of  Cash  Advances  (and  if  applicable,  Credit 
Purchases) is determined by adding to the Previous Balance 
of Cash Advances (and, if applicable, Credit Purchases), any 
new Cash Advances as of the transaction date or the first day 
of the billing cycle in which posted, whichever is later, (and, if 
applicable, any Credit Purchases as posted) and subtracting 
any  payments  as  received  and  credits  as  posted  to  your 
account, but excluding any unpaid FINANCE CHARGE.

METHOd G – To avoid incurring an additional FINANCE CHARGE 
on the balance of Credit Purchases (and Cash Advances, if 
this Method G is specified as applicable to Cash Advances) 
reflected on your statement and on any new Credit Purchases 
(and,  if  applicable,  Cash  Advances)  appearing  on  your  next 
statement,  you  must  pay  the  New  Balance  shown  on  your 
statement on or before the Payment due date.

The  FINANCE  CHARGES  for  a  billing  cycle  are  computed 
by  applying  the  monthly  Periodic  Rate  to  the  Average  daily 
Balance  of  Credit  Purchases  (and,  if  applicable,  Cash 
Advances), which is determined by dividing the sum of daily 
balances  during  the  billing  cycle  by  the  number  of  days  in 
the  cycle.    Each  daily  balance  is  determined  by  adding  to 
the Previous Balance of Credit Purchases (and, if applicable, 
Cash  Advances)  any  new  Credit  Purchases  posted  to  your 
account  (and,  if  applicable,  any  new  Cash  Advances  as  of 
the  transaction  date  or  the  first  day  of  the  billing  in  which 
posted, whichever is later) and subtracting any payments as 
received and credit as posted to your account, but excluding 
any unpaid FINANCE CHARGE.

6

MASTERCARd® LIABILITY FOR UNAUTHORIZEd USE 
You may be liable for the unauthorized use of your credit card. 
You will not be liable for unauthorized use that occurs after 
you  notify:  PSCU  FINANCIAL  SERVICES  at  P.O.  Box  31216, 
Tampa, Florida 33631, 1-800-449-7728 or in writing, of the 
loss,  theft,  or  possible  unauthorized  use.  In  any  case,  your 
liability will not exceed $50.00.

VISA® LIABILITY OR UNAUTHORIZEd USE
You will not be liable for the unauthorized use of your credit 
card.    You  most  notify:  PSCU  Financial  Services  at  P.O.  Box 
31216, Tampa, FL  33631, in writing or call 1-800-449-7728 
to report any loss, theft or possible unauthorized use.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights 
and our responsibility under the Fair Credit Billing Act.

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT 
YOUR BILL.
If you think your bill is wrong, or if you need more information 
about a transaction on your bill, write us on a separate sheet 
at  the  address  listed  on  your  bill.    Write  to  us  as  soon  as 
possible.  We must hear from you no later than 60-days after 
we sent the first bill on which the error or problem appeared.  
You can telephone us, but by doing so will not preserve your 
rights.
Your letter needs to include the following information:

• Your Name
• Credit card number
• Dollar amount of the suspected error
• Describe the error and explain if you can, why you  
   believe there is an error.

 If it’s more information you need, describe the item you are 
not sure about.

If  you  have  authorized  us  to  pay  your  credit  card  bill 
automatically from your savings or checking account, 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  is 
correct.

After we receive your letter, we cannot try to collect any amount 
you questioned, 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 

7

 
 
 
 
 
 
while we are investigating, but you are still obligated to pay 
the parts of your bill that are 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  any  questioned 
amount.  If we didn’t 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 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 you 
to that you have a question about your bill.  And we must tell 
you  the  name  of  anyone  we  reported  you  to.    We  must  tell 
anyone  we  report  you  to  that  the  matter  has  been  settled 
between us when it finally is.
If we don’t follow these rules, we can’t collect the first $50 of 
the questioned amount, even if your bill was correct.

SPECIAL RULES FOR CREdIT CARd PURCHASES
If you have a problem with the quality or property of services 
that you purchased with a credit card, and you have tried in 
good faith to correct the problem with the merchant, you have 
the right not to pay the remaining amount due on the property 
or service.  There are two limitations on this right:
(a) You must have made the purchase in your home state or, 
if not within your home state within 100 miles of your current 
mailing address; and
(b)  The purchase price must have been more than $50.

These  limitations  do  not  apply  if  we  own  or  operate  the 
merchant,  of  if  we  mailed  you  the  advertisement  for  the 
property or services.

dISCLOSURE STATEMENT FOR PREAUTHORIZEd 
ELECTRONIC FUNdS TRANSFER FOR 
CREdIT CARd PAYMENTS 
1.  documentation of Transfers- If you have arranged for a 
preauthorized electronic fund transfer to/from your account 
at  least  once  every  60-days  from  the  same  person,  you 
may call us at 228-385-5500 to find out whether or not the 
transfer  has  been  made.    You  will  get  a  monthly  account 
statement  unless  there  is  no  balance  or  transactions  in  a 
particular month.  
2.  Types of Preauthorizations on Transfers:  We can transmit 
any electronic funds transfer to or from your account that is 
transmitted  through  the  Automated  Clearing  House  (ACH) 
System.    The  most  common  types  of  ACH  transfers  to  an 
account  are  employee  payroll,  social  Security,  Veterans 
Administration,  and  other  Federal  Government  payments.  
The  most  common  types  of  ACH  transfers  from  an  account 
are: insurance premiums, mortgage or utility payments.
3.  Unauthorized Transfers- If your account statement shows 
transfers that you did not authorize, notify us at once.  If you 

8

do not tell us within 60-days after the statement was mailed 
to you, you may not get back any money you lost after the 60 
-days if we can prove that we could have stopped someone 
from  taking  the  money  if  you  had  notified  us  in  time.    If 
extenuating  circumstances  (such  as  long  trips  or  hospital 
stay) kept you from telling us, we will extend the time period.
4.  Notification-  If  you  believe  someone  has  transferred 
or  may  transfer  money  from  your  account  without  your 
permission,  call  (228)  385-5500,  (888)  533-7537  or  write 
to  Keesler  Federal  Credit  Union,  P.O.  Box  7001,  Biloxi,  MS  
39534-7001.
5.  Business days- Our business days are Monday through 
Friday, Holidays are not included.
6.  Failure to Make Transfers-If we do not complete a transfer 
to  or  from  your  account  on  time  or  in  the  correct  amount 
according to our agreement with you, we will be liable for your 
losses  or  damages.    However,  there  are  some  exceptions.  
We will not be liable, for instance, if (1) through no fault of 
ours, you do not have enough money in your account to make 
the transfer, (2) the transfer would go over the credit limit on 
your overdraft line, (3) the system was not working properly 
due to no fault of ours, (4) circumstances beyond our control 
such as fire or flood prevent the transfer despite reasonable 
precautions that we have taken, (5) the funds are subject to 
legal process or other incumbents restricting such transfers.  
There may be other exceptions stated in our agreement.
7.  Varying Amount- In accordance with Standard ACH rules, 
if regular preauthorized transfers of your account may vary in 
the amount, the person or company you are going to pay will 
tell you 10 days before each payment, when it will be made 
and how much it will be.  You may choose instead to get this 
notice only when the payment differs by more than a certain 
amount  from  the  previous  payment  or  when  the  amount 
would  fall  outside  certain  limits  you  set.    You  hereby  agree 
to hold us harmless and at no fault due to the failure of the 
person or company to whom the payment is going to provide 
you with such notice.
8.  Failure to stop payment- If you order us to stop payment 
on  one  these  preauthorized  transfers  out  of  your  account 
three business days or more before the transfer is scheduled, 
and  we  do  not  do  so,  we  will  be  liable  for  your  losses  or 
damages.
9.  Account  information-  We  will  disclose  information  to 
third parties about your account or the transfer you make (1) 
where it is necessary for completing transfers, or (2) in order 
to verify the existence and conditions of your account for third 
parties, such as, a credit bureau or merchant, or (3) in order 
to comply with governmental agency or court orders, or (4) if 
you give us your written permission.
10.  Errors  or  Questions  About  You  Electronic  Transfer- 
Telephone us at (228) 385-5500, (888) 533-7537 or write 
us  at  Keesler  Federal  Credit  Union,  Attention  Credit  Card 
department, P.O. Box 7001, Biloxi, MS 39534-7001 as soon 
as you can, if you think your statement is wrong or if you need 
more information about a transfer listed on the statement.  We 

9

must hear from you no later than 60-days after we sent the first 
statement on which the problem or error appeared.  Provide us 
with the following information: (1) tell us your name and account 
number  (if  any)  (2)  describe  the  error  or  the  transfer  you  are 
unsure about, and explain as clearly as you can why you believe 
it  is  an  error  or  why  you  need  information,  and  (3)  tell  us  the 
dollar amount of the suspected error.

If  you  tell  us  orally,  we  may  require  that  you  send  us  your 
complaint or question in writing within 10 business days.  We 
will tell you the results of our investigation within 10 business 
days after we hear from you and will correct any error promptly.  
If we need more time, however, we may take up to 45 days to 
investigate  your  complaint  or  question.    If  we  decide  to  do 
this,  we  will  re-credit  your  account  within  10  business  days 
for the amount you think is in error, so that you will have the 
use of the money during the time it takes us to complete our 
investigation.  If we ask you to put your complaint or question 
in writing and we do not receive it within 10 business days, we 
may not re-credit your account.  If we decide that there was 
no error, we will send you a written explanation within three 
business days after we finish our investigation.  You may ask 
for copies of the documents that we used in our investigation.  
There may be a charge imposed to your account to recover 
investigation expenses.

GOLd MASTERCARd® OVERSEAS LIMITATIONS

In an effort to prevent fraudulent  
international  charges 
on your Keesler Federal Credit Union Gold MasterCard®, use 
of your gold card will be restricted in the following countries:  
Australia  
Hong Kong   Morocco 
Taiwan  
Japan       

     Indonesia        Singapore 
     North Korea    Turkey 

South Korea    China               Malaysia 

Please  note  that  use  of  your  Gold  MasterCard®  within  the 
borders of the countries listed above will be restricted to ATM 
transactions only, which requires your Personal Identification 
Number (PIN). You can advance up to $200 per day on ATM 
transactions.  Because  we  take  fraud  prevention  seriously 
and  strive  to  provide  all  available  protections  for  members, 
Merchant  transaction  and  cash  advances  (other  than  ATM 
withdrawals) will not be authorized.

The  Keesler  Federal  Standard  MasterCard®  or  VISA  Classic 
accounts are not limited to these same restrictions and can be 
used  worldwide  at  any  merchant  or  ATM  machine  within  our 
network. If you anticipate traveling in any of these countries, you 
may want to consider switching to the standard card program. 
If you would like to convert your Gold to our standard program 
at  a  slightly  higher  rate,  please  call  one  of  our  credit  card 
representatives at 1-888-KEESLER (533-7537), ext. 6240.

We extend our apologies in the event that you are affected by 
these gold card restrictions and appreciate this opportunity 
to serve you.     

10

 
 
 
 
 
 
 
 
 
 
 
 
IMPORTANT CREDIT CARD DISCLOSURES
The information about the costs of the card described is accurate as of 
5/1/2011 and may have changed after that date.  To find out what may 
have changed, write us at P.O. Box 7001, Biloxi,MS 39534-7001.

Interest Rates and Interest Charges

Annual Percentage 
Rate (APR) for 
Purchases

APR for Balance 
Transfer

APR for Cash 
Advances

Penalty APR and 
When it Applies

How to Avoid 
Paying Interest

Non-Rewards           Platinum Rewards
9.9-16.9% 
8.9-15.9% 
depending on 
depending on 
credit history 
credit history  
9.9-16.9% 
8.9-15.9% 
depending on 
depending on 
credit history 
credit history  
9.9-16.9% 
8.9-15.9% 
depending on 
depending on 
credit history 
credit history  

No Penalty APR

Your due date is at least 25 days after the 
close of each billing cycle. We will not charge 
you interest on purchases if you pay your entire 
balance by the due date each month. We will 
begin charging interest on cash advances and 
balance transfers on the transaction date.

Minimum Interest 
Charge

None

For Credit Card Tips 
from the Federal 
Reserve Board

To learn more about factors to consider when 
applying for or using a credit card visit the 
website of the Federal Reserve Board at http://
www.federalreserve.gov/credit card

Fees
Set Up and 
Maintenance Fees:
Annual Fee

Transaction Fees:
• Balance Transfer
• Cash Advance
• Foreign Transaction

Penalty Fees:
• Late Payment
• Returned Item

None

$2.50
$2.50
1%

up to $15.00
up to $20.00

How we will Calculate Your Balance: We use a method called “average daily 
balance (including new purchases)”. See page 6 For more information.     

Billing Rights: Information on your rights to dispute transactions and how to 
exercise those rights is provided elsewhere in this account agreement.

Refer to the “Important Credit Card Disclosures” sheet you received upon 
account approval.

11

VISA PLATINUM REWARdS REBATE 
PROGRAM RULES
1.  Your Visa Platinum rewards (account) issued by Keesler 
Federal Credit Union (herein after “we”, “our”, “us”) located 
in Biloxi, MS. In these Program Rules “you”, “your” means the 
KFCU  Cardholder  obligated  on  the  Account  enrolled  in  the 
Platinum Rewards Program noted below.
2.  Points expire after five (5) calendar years.
3.  “Program points” shall be awarded as (1) one Program 
point  for  each  ($1)  one  dollar  of  net  purchase  charged  to 
the eligible account. Any additional points may be added or 
awarded by the Credit Union at its sole discretion.
4.  Points can be used to order the awards described in the 
current brochure or the program web site, www.CURewards.
com,  which  may  be  updated  from  time  to  time.  Point 
requirements are subject to change from time to time without 
notice, and awards may be discontinued or substituted at any 
time. Award suppliers have agreed that, to the best of their 
ability, merchandise featured in the Program will be available 
in sufficient quantities to meet expected demand. However, 
there  may  be  instances  in  which  product  demand  exceeds 
supply,  in  which  case  the  Program  reserves  the  right  to 
substitute a similar item of equal value or withdraw the offer 
for that product. If it is not replaced Participant will be advised 
to make an alternate selection.
5.  Accounts  must  be  open  and  in  good  standing  (not 
canceled or terminated by either party; not delinquent, over 
limit or otherwise not available to use for charges) at times 
of redemption. Awards are not available when a cardholder 
is  in  default  under  the  card  agreement.  The  sponsoring 
credit  union  reserves  the  right  to  suspend  the  cardholder’s 
participation  in  the  program  until  the  account  is  in  good 
standing. 
6.  Merchandise will be shipped via parcel post service or by 
the U.S. Postal Service and should arrive in 4-6 weeks after 
the order is received; otherwise, the Participant will receive an 
acknowledgement  stating  the  anticipated  alternate  delivery 
date,  except  as  noted  on  the  items  shipped  directly  from 
the  manufacturer.  Items  that  need  to  be  shipped  from  the 
manufacturer may not be available in some locations. There 
will be no charge for Standard delivery. Shipments cannot be 
to a post office box or outside the 50 United States and its 
territories, no international shipments are permitted. A street 
address and home phone number are required to accept an 
order. 
7.  A  product  which  is  received  damaged  or  defective  may 
be  returned  to  the  shipper  within  10  days  of  receipt  for 
replacement.  All  parts,  instructions,  warranty  cards  and 
original packaging material must be returned with the product. 
Instructions on how to return damaged merchandise will be 
included in each shipment. Be sure to note any exceptions, 
damages or shortages on the deliver receipt before signing to 
accept freight delivery from the carrier. 
8.  The  merchandise  offered  in  the  Program  may  be 
subject to standard manufacturers warranties. Any warranty 

12

information will accompany the merchandise shipment. The 
program makes no warranty, expressed or implied, concerning 
the  merchantability  or  fitness  for  a  particular  purpose  of 
production  and/or  services  provided  through  the  Program. 
Warranty claims must be directed to the manufacturer.
9.  Points have no cash value.
10.  Points in this Program cannot be exchanged for cash or 
credit, may not be used with any offer, promotion or discount, 
cannot  be  combined  with  cash  to  obtain  awards,  cannot 
be earned from, transferred to, or combined with any other 
account’s points for redemption and cannot be used to pay 
off any obligation on the cardholder’s account. 
11.  Points  in  this  Program  cannot  be  deducted  from  the 
total  points  available  for  redemptions  and  for  any  returns 
of  credits  associated  with  the  account.  Points  deducted  for 
credits to an account will be at the same rate at which the 
original charges earned those points. The participant’s Credit 
Card account may be charged for the actual cash difference 
between the cost of the award redeemed and the net value of 
the actual points for redemption in the event the participant 
has unearned points.
12.  Points may be forfeited due to Rules violations.
13.  This program is void where prohibited or restricted by law. 
14.  Participant is responsible for any federal, state, or local 
income or other taxes or gratuities, if applicable. 
15.  Participants agree to hold PSCU Financial Services, Inc. 
(PSCU-SF)  and  any  vendor  associated  with  the  program, 
as  well  as  any  credit  card  association  that  their  Sponsor  is 
a member of, totally harmless if their Sponsor fails to meet 
its  contractual  and  other  obligations  with  PSCU-FS  which 
results in the program being interrupted or terminated prior 
to giving the participant the opportunity to redeem the Points 
or receive the gift/travel awards. Also, the Participant agrees 
to hold PSCU-FS harmless, if a vendor files for bankruptcy or 
otherwise goes out of business, after points are redeemed for 
an award from the vendor but the Participant was not able to 
receive the award. 
16.  Certain restrictions may apply to travel certificates, tickets 
and documents. Travel certificates, tickets and documents are 
not  exchangeable,  refundable,  transferable  or  redeemable 
for cash. All travel certificates, tickets and documents will be 
mailed first class US Mail and will not be replaceable in the 
event  of  loss,  destruction  or  theft.  Participant  may  request 
travel certificates, tickets and documents to be delivered by 
overnight carrier and agrees to pay the associated addition 
delivery fees by credit card. Participant is responsible for any 
applicable fees and taxes associated with travel redemptions. 
17.  This  Program  is  available  to  cardholders  (”Participant”) 
whose  Sponsor  (1)  has  enrolled  as  a  sponsoring  member 
of  PSCU-FS,  and  (2)  has  contracted  with  PSCU-FS  for  this 
Program for the Participant. All Program Rule determinations 
by  PSCU-FS  are  final.  The  Participant’s  use  of  their  credit 
card(s)  following  receipt  of  these  Rules  will  indicate  their 
agreement to comply with and abide by these Rules. 
18.  The Program reserves the right to terminate the Program 

13

or portions thereof at any time without restriction or penalty. 
This means that regardless of a Participant’s level of activity 
in  the  program,  the  ability  to  accumulate  points  or  claim 
rewards can be terminated with or without prior notice. The 
redemption  value  of  Points  already  accumulated  may  be 
changed at any time without notice and without restriction or 
penalty. 
19.  The list of merchandise, airlines, hotel , rental car, cruise 
or tour companies and any other listed award available in the 
Program is subject to change and maybe discontinued all or 
in part without notice. 
20.  All  travel  awards  are  subject  to  specific  terms  and 
conditions.  Unless  otherwise  noted,  airline  reservations 
must originate from the contiguous 48 United States. Airlines 
reservations  must  be  made  21  days  in  advance  of  travel, 
requires  a  Saturday  night  stay  and  may  have  restrictions, 
blackout  dates  and  exclusions.  The  Program  reserves  the 
right to book all airline tickets on the carrier with the lowest 
available fare for the round trip between the cities requested. 
Certificates have no value except when used under the terms 
and conditions accompanying them. The terms and conditions 
of any travel offer may be amended by the Program at any time. 
Certificate  and  ticket  issued  travel  awards  must  be  issued 
in the name of the redeeming account holder or a member 
of  their  immediate  family.  The  Program  is  not  responsible 
for  performance  of  the  travel  providers  associated  with  the 
Program. All reservations are made subject to conditions of 
carriage, supply or business of the party providing the service, 
which includes exclusions and limitations of liability. 
21.  All travel awards are subject to the rules and restrictions 
imposed  by  travel  companies,  airlines,  hotels,  rental  car, 
and cruise line and tour companies. Compliance with these 
rules  is  the  responsibility  of  the  Participant.  Airline  ticket 
travel  awards  are  not  refundable  nor  may  they  be  returned 
to the Program for a credit of points to the original account. 
They  are  non-changeable  unless  permitted  by  the  airline 
issuing the ticket. Fees that apply due to permitted changes 
by the airlines are the responsibility of the traveler. En-route 
stopovers are not permitted unless they are to make direct 
connections within the carrier’s rules. Air travel must be all on 
the same airline. Minimum or maximum stays are required by 
the carrier may apply. 
22.  Issuance of some travel certificates does not constitute a 
reservation. In such cases the certificate holder is responsible 
for making all reservations with the company that issues the 
certificate. 
23.  Every effort has been made to ensure that the information 
in the Program communications is accurate. The Program is 
not responsible for errors or omissions and reserves the right 
to correct such errors at any time, even if it affects a pending 
award redemptions order.
24.  Some sponsoring credit unions of CURewards may choose 
to  add  local  additional  rules  and  Program  opportunities. 
Please inquire with your sponsor to see if such are applicable 
in the Program.

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15

Locations & Hours

Loans by Phone: (US) 1-888-KEESLER (533-7537) 
(UK) 0-800-585-765

U.S. LOCATIONS

Harrison County, ms
• Int’l Headquarters
2602 Pass Road-Biloxi
Administrative Offices:
Mo-Fr 8:30-4:00

• D’Iberville Branch
10521 Auto Mall Parkway
Mo-Th 9:30-5:00
Fr 9:30-5:30, Sa 9:00-1:00

• Keesler AFB Branch
Corner of Larcher & Meadows
Mo-Th 9:00-4:30 
Fr 9:00-5:00 

• Lakeview Branch (D’Iberville)
11505 Cinema dr., Suite 1
Mo-Th 9:30-5:00
Fr 9:30-5:30, Sa 9:00-1:00 

• Long Beach Branch
113 North Cleveland Ave.
(Zuppardo’s Shopping Ctr.)
Mo-Th 9:30-5:00
Fr 9:30-5:30

• Orange Grove
Mortgage Loan Office
12196 Hwy 49 North
Mo-Fr 8:30-5:00

• Orange Grove Branch
12240 Highway 49 North
Mo-Th 9:30-5:00
Fr 9:30-5:30, Sa 9:00-1:00

• Pass Road Branch-Biloxi
2602 Pass Road
Mo-Th 9:30-5:00
Fr 9:30-5:30, Sa 9:00-1:00

• Seaway Branch-Gulfport
13083 Seaway Road
Mo-Th 9:30-5:00
Fr 9:30-5:30

HanCoCK County, ms
• Bay-Waveland Branch
481 Highway 90
Mo-Th 9:30-5:00
Fr 9:30-5:30, Sa 9:00-1:00

• Diamondhead Branch
5411 Indian Hill Blvd
Tu-Th 9:30-5:00
Fr 9:30-5:30, Sa 9:00-1:00

• Stennis Space Ctr Branch, Bldg 
1100, SSC
Mo-Fr 9:00-4:30

JaCKson County, ms
• Gautier Branch
2800 Hwy 90, Ste 1000
(Singing River Mall)
Mo-Th, 9:30-5:00
Fr 9:30-5:30, Sa 9:00-1:00

• Ocean Springs Branch
2420 Bienville Boulevard
Mo-Th 9:30-5:00
Fr 9:30-5:30, Sa 9:00-1:00

• Pascagoula Branch
1509 Telephone Road
Mo-Th, 9:30-5:00
Fr 9:30-5:30, Sa 9:00-1:00

pearL riVer County, ms
• Picayune Branch
2270 Highway 43 South
Mo-Th 9:30-5:00
Fr 9:30-5:30, Sa 9:00-1:00

U.K. LOCATIONS

• RAF Alconbury
Building 582
direct (01480) 451898
Base (01480) 843861
Tu-Fr 9:00-4:00, Sa 9:00-1:00

• RAF Lakenheath
Building 987
direct (01638) 533268
Base (01638) 522115
Mo-Fr 8:30-4:00 Sa 9:00-12:30

• RAF Mildenhall
Building 131
direct (01638) 515717
Base (01638) 542686
Mo-Fr 8:30-4:00

Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government

NCUA

National Credit Union Administration, a U.S. Government Agency

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