SHARE SECURED 

CREDIT CARD 

LINE OF CREDIT 

AGREEMENT AND 

DISCLOSURES

1-888-KEESLER
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-107956

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Table of Contents

Credit  Card  Agreement  and  Disclosures  .  .  .  .  3-6

Finance  Charge  Calculation  .  .  .  .  .  .  .  .  .  .  .  .  .  .    6

Liability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Your Billing Rights . . . . . . . . . . . . . . . . . . . . . . . 7

In Case of Errors . . . . . . . . . . . . . . . . . . . . . . . . 7

Your Rights and our Responsibilities
with Written Notice . . . . . . . . . . . . . . . . . . . . . . 7-8

Special Rules for Credit Card Purchases . . . . . . . .8

Disclosure Statement . . . . . . . . . . . . . . . . . .8-10

Rate/Fee schedule . . . . . . . . . . . . . . . . . . . . . . 11

Locations & Hours  . . . . . . . . . . . . . . . . . . . . . 12

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KEESLER FEDERAL CREDIT UNION

SHARE SECURED 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  Share  Secured  MasterCard® 
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 Share Secured 
MasterCard®  credit  card  and  duplicates  of  said  card.  The 
word  “account”  means  your  Share  Secured  MasterCard® 
credit  card  revolving  credit  account  with  Keesler  Federal 
Credit Union (the “Credit Union”).

1.  You have applied for a Share Secured 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 Share Secured credit card. The credit limit approved shall 
be  determined  by  the  amount  of  money  deposited  into  an 
interest bearing holding account with Keesler Federal Credit 
Union, and this credit limit will be drawn upon as you utilize an 
issued credit card. The interest bearing holding account will 
earn the lowest tiered dividend rate regardless of balance.
3.  A FINANCE CHARGE (interest) will be charged on any 
outstanding  purchase  balance  that  is  not  repaid  within  the 
allowable  25-day  grace  period  established  by  the  Credit 
Union.  The  FINANCE  CHARGE  for  the  Share  Secured 
Standard MasterCard® is a 1.077% monthly periodic rate, 
which equates to a 12.9% ANNUAL PERCENTAGE RATE. 
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 balance transfer fee of $2.50 will be charged to  your 
account for each balance transfer
d) A return item fee of up to $20.00 will be charged to your 

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account for any item returned for NSF. This includes but not 
limited to, check payments mailed to our Service Center or 
Credit Union and check payments made at a local branch
e)   Card Replacement fee $5.00, this will automatically be 
assessed to your credit card
f)   A  one-percent  (1%)  foreign  transaction  fee  will  be 
charged  on  all  International  transactions,  described  in 
paragraph 13
g)   A  fee  of  $1.00  will  be  charged  for  each  copy  of  each  
statement page requested.

Additional  charges,  plus  applicable  taxes,  may  also  be 
assessed if the payment on your account is with a check that 
is not honored by your financial institution, request a copy of 
a document, or request a replacement card, if such charges 
are not prohibited by law or regulations.

6.    If  you  select  convenience  checks,  the  following  would  
apply:
•  Convenience  checks  when  written  are  considered  cash 
advances and would be assessed the stated cash advance 
fee per check.
• Interest on convenience checks will begin to accrue as of 
the date of the advance.
•  The  Credit  Union  reserves  the  right  to  return  any  check 
not  written  for  at  least  the  minimum  amount  shown  on  the 
check.
• The following fees would apply for convenience checks:
    -Return check - $2.00 per item
    -Check copy - $2.50 per copy
    -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 incurred 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 attorneys’ fees or 10% of the unpaid 
balance or such greater amount as may be reasonable and 
just,  and  also  those  costs,  expenses  and  attorneys’  fees 
incurred in appellate proceedings.
10.  You  also  agree  that  if  the  Share  Secured  credit  card 
becomes  more  than  60  days  delinquent  the  Credit  Union 
has the right to close the credit card and apply the secured 
money to pay off the credit card and that you are responsible 
for any outstanding balance.
11. 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 
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the loan balance, which may be in default, including cost of 
collection and reasonable attorneys’ 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 obligations 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.
12. 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.
13.  Foreign  transactions  conducted  in  a  foreign  currency 
will be converted to a U.S. dollar amount. The exchange rate 
between  the  transaction  currency  and  the  billing  currency 
will  be:  A  rate  selected  from  the  range  of  rates  available 
in  wholesale  currency  markets  for  the  applicable  central 
processing date, which rate may vary from the rate the credit 
card  network  itself  receives,  or  the  government  mandated 
rate in effect for the applicable central processing date.
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  was  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 re-evaluation 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 good 
cause.
17.  If  your  share  secured  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  a 
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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.
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  an  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 new 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 
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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.

MASTERCARD® LIABILITY FOR UNAUTHORI ZED 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  SERVICE  CENTERS,  INC.  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.

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 
you the first bill on which the error or problem appeared. You 
can telephone us, but 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 you need more information, describe the
transaction in question.

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 question, or report you as delinquent. We can continue 
to  bill  you  for  the  amount  you  question,  including  finance 
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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 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 of property or 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 services. 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 addres; 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 you 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.  
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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 
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 out 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 differ 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  accounts  for 
third  party,  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  Your  Electronic  Transfer- 
Telephone us at (228) 385-5500, (888) 533-7537 or write 
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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 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 
was 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.

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Interest Rates and Interest Charges
Annual Percentage Rate 
(APR) for Purchases

12.9% 
12.9% 
APR for Balance 
Transfer
APR for Cash Advances 12.9% 
Penalty APR and When 
it Applies

No Penalty APR

How to Avoid Paying 
Interest

Minimum Interest 
Charge

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau

Fees
Set Up and 
Maintenance Fees:
Annual Fee

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

Penalty Fees:
• Late Payment
• Returned Item

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 inter-
est on cash advances and balance 
transfers on the transaction date.

None

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 http://www.consumerfi-
nance.gov/learnmore

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.

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L O C AT I O N S

Loans by Phone: (US) 1-888-KEESLER (533-7537) 
(UK) 0-800-585-765
Web address: kfcu.org

U.S. LOCATIONS

HARRISON COUNTY, MS
• Int’l Headquarters
2602 Pass Road-Biloxi

• D’Iberville Branch
10521 Auto Mall Parkway

• Keesler AFB Branch
Corner of Larcher & Meadows

• Lakeview Branch (D’Iberville)
11505 Cinema Dr., Suite 1

• Long Beach Branch
113 North Cleveland Ave.
(Zuppardo’s Shopping Ctr.)

• Orange Grove
Mortgage Loan Office
12196 Hwy 49 North

• Orange Grove Branch
12240 Highway 49 North

• Pass Road Branch-Biloxi
2602 Pass Road

• Seaway Branch-Gulfport
13083 Seaway Road

HANCOCK COUNTY, MS
• Bay-Waveland Branch
481 Highway 90

• Diamondhead Branch
5411 Indian Hill Blvd

• Stennis Space Ctr Branch, 
Bldg 1100, SSC

JACKSON COUNTY, MS
• Gautier Branch
2800 Hwy 90, Ste 1000
(Singing River Mall)

• Ocean Springs Branch
2420 Bienville Boulevard

• Pascagoula Branch
1509 Telephone Road

PEARL RIVER COUNTY, MS
• Picayune Branch
2270 Highway 43 South

STONE COUNTY, MS
• Wiggins Branch
1107 East Frontage Road

U.K. LOCATIONS

• RAF Alconbury
Building 582
Direct (01480) 451898
Base (01480) 843861

• RAF Lakenheath
Building 987
Direct (01638) 533268
Base (01638) 522115

• RAF Mildenhall
Building 131
Direct (01638) 515717
Base (01638) 542686

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

NCUA 10-12

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

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