Disclosures and Forms

The Unlawful Internet Gambling Enforcement Act prohibits persons engaged in the business of betting or wagering from knowingly accepting payments from another person engaged in unlawful internet gambling. Unlawful internet gambling means to "place, receive, or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal Lands in which the bet or wager is initiated, received or otherwise made." Your account at Dover Federal Credit Union may not be used in any way for such transactions.

The rights and privacy protection of your children are important to us at Dover Federal Credit Union. That is why, in compliance with the Children's Online Privacy Policy Act (COPPA), we do not collect or distribute personal information for the purposes of this website.

I hereby authorize Dover Federal Credit Union to initiate a charge entry on my credit or debit card in the amount equal to the amount I enter into the online PayTrace payment option. I acknowledge I am responsible for inputting the correct payment amount and my Dover Federal Credit Union Account Number. By submitting an online payment, I agree that there is a balance sufficient to pay all requested payments, and agree that Dover Federal Credit Union is not liable for any overdraft or insufficient fund situation or charge (including, but not limited to, finance charges, late fees or similar charges) caused by my failure to maintain funds sufficient to pay the payment amount I indicated. I understand that that the holder of my credit or debit card may charge cash advance fees, and it is my responsibility to be aware of these. I understand that an online payment will be processed and credited to my account within 2 to 3 business days. Any products and services accessed through this site are brought to you through an agreement between Dover Federal and PayTrace. PayTrace is responsible for the content, and they are not guaranteed by Dover Federal. Privacy and Security policies may differ between Dover Federal and PayTrace.

We Do Business in Accordance With The Federal Fair Lending Laws UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling, or Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity Department of Housing and Urban Development Washington, DC 20410 For processing under the Federal Fair Housing Act

AND TO:

National Credit Union Administration Office of Examination and Insurance 1775 Duke Street Alexandria VA 22314-3428 For processing under NCUA Regulations

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMNATE IN ANY CREDIT TRANSACTION:

On the basis of race, color, national origin, religion, sex, marital status, or age, Because income is from public assistance, or Because a right has been exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO : National Credit Union Administration Office of Examination and Insurance 1775 Duke Street Alexandria, VA 22314-3428

In accordance with Federal Law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating based on race, color, national origin, sex, age, or disability. Submit a complaint of discrimination, by mail to U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity , 1500 Pennsylvania Ave. N.W., Washington, D.C. 20220, (202) 622-1160 (phone), (202) 622-0367 (fax), or email crcomplaints@treasury.gov (email).