Enrolling for online access is easy and takes just a few minutes. Please review and accept the following terms and conditions to continue with enrollment.

Terms and Conditions
Online Banking Agreement and Disclosure

This agreement governs the use of Dover Federal’s Online Banking Service, jointly referred to as the “Service,” provided by Dover Federal, also referred to as “Credit Union”. By using the Service to conduct transactions, you agree to the terms of this Agreement.

As used in this Agreement, “account” and “accounts” mean the Dover Federal account in which you are either the owner or joint owner. “Loan account” and “loan accounts” mean any loan you have with the Credit Union. “You”, “your”, and “yours” mean the person(s) using the Service. “We,” “our,” “us”, and “Credit Union” refer to the individual Credit Union (Dover Federal) that holds your accounts.

Required Equipment
In order to use the Online Banking Service, you need a computer (in this Agreement, your computer and the related equipment are referred to together as your “Computer”) with a web browser (Mozilla Firefox 6 or 7, Safari 5, Google Chrome 11, Microsoft Internet Explorer 8.0, 9.0, 10.0), a member number or user id, and Online Banking PIN number. The PIN number is the confidential code you use to access your account(s) through Online Banking.

You are responsible for the installation, maintenance, and operation of your Computer, browser and the software. Dover Federal is not responsible for any errors or failures from any malfunction of your Computer, the browser or the software. Dover Federal is also not responsible for any Computer virus or related problems that may be associated with the use of an online system.

The Service
To use Online Banking, you must have at least one Dover Federal share account. Through Online Banking, you will have access to your Dover Federal share accounts or loan accounts. Dover Federal reserves the right to deny access to a deposit account or loan account or to deny transactions under certain circumstances.

Description of Online Banking
The Service allows you to perform some or all of the following functions from your Computer by accessing your accounts at Dover Federal’s Website at http://www.doverfcu.com:

• Transfer funds between your accounts
• Make loan payments by transferring funds from checking and savings
• Request a transfer of funds to another Dover Federal member number
• Get information about balances, rates, deposits and withdrawals, checks cleared, loan payoff amounts and payroll deposits
• Get dividend, interest or tax information
• Estimate a loan payment
• Place stop payment on a check
• Print out an interim statement copy
• Apply for a loan
• Request a check be mailed to your home
• Change your PIN number
• Change your address, telephone number or email address.
• eStatements, eNotices and eTax Forms
• Check images
• Bank to Bank Transfer
• Popmoney Transfer
• Bill Pay
• Set up Account Alerts
• Submit Secured Message to Credit Union
• Set Up Account Nicknames

PIN number Security
Your Online Banking PIN number is required to access Dover Federal’s Online Banking functions. You agree not to give or make available your PIN number to any unauthorized individual. You may be required to change your PIN number on a periodic basis. We are entitled to act on the instructions received under your PIN number. For security purposes, it is recommended that you memorize the PIN number and do not write it down. If you believe your PIN number has been lost or stolen, someone has attempted to use the Online Banking Service without your consent, your deposit account(s) or loan account(s) have been accessed, or someone has transferred money without your permission, you must notify Dover Federal immediately at 302-678-8000 or 888-818-3328. Dover Federal does not maintain a record of your PIN number. If you lose or forget your PIN number, contact Dover Federal immediately so that you may select a new confidential PIN number.

Your Liability for Unauthorized Transfer
Tell us AT ONCE if you believe your account information and/or PIN number have been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line of credit and open-end credit). If you believe your account information and/or PIN number has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your account information and/or PIN number without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your account information and/or PIN number, and we can prove we could have stopped someone from using your account and/or PIN number without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was delivered 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 told us in time.

Errors and Questions
Telephone us as soon as you can if you think your statement is wrong or if you need more information about a transaction 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. Your inquiry must include:

1. Your name and account number,
2. A description of the error or the transaction you are unsure about and an explanation of why you believe it is an error or why you need more information,
3. The dollar amount of the suspected error, and
4. The date of occurrence.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will generally tell you the results of our investigation within 10 business days of the receipt of your complaint or question (20 business days if the transaction involved an account opened within the past 30 days). If we need more time, however, we may take up to 45 days. If we decide 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.

No Signature Required
When using Online Banking to conduct transactions, you agree that the Credit Union may debit your account to complete the transactions or honor debits you have not signed.

Disclosure of Account Information to Third Parties

We will disclose information to third parties about your account or transfers you made:

1. When it is necessary to complete the transfers;
2. In order to verify the existence and conditions of your account for a third party, such as a credit bureau or merchant;
3. In order to comply with a government agency or court orders; or
4. If you give us written permission.

You will not be charged for the “view accounts”, or “transfer funds” features of Dover Federal’s Online Banking. NOTE: Your accounts and loan accounts are still subject to the fees, charges, balance requirements, etc. articulated in the Account Agreement and Disclosures and any Loan Agreement.

Alterations and Amendments
The terms of this Agreement, applicable fees, and service charges may be altered or amended by Dover Federal from time to time. In such event, Dover Federal shall send notice to you either at your address as it appears on Dover Federal’s records or by online notice through Online Banking. Any continuation of Online Banking after Dover Federal sends you a notice of change will constitute your agreement to such change(s). Further, Dover Federal may, from time to time, revise or update the Online Banking program, services, and/or related material(s) rendering such prior versions obsolete. Consequently, Dover Federal reserves the right to terminate this Agreement as to all such prior versions of Dover Federal’s programs, services, and/or related material(s) and limit access to Dover Federal’s more recent versions and updates.

Termination and Discontinuation
The use of Online Banking does not require enrollment on your behalf; therefore, termination of Online Banking by you is done by not accessing or using the Service. However, any transactions or payments you have previously authorized will be completed as instructed. Neither termination nor discontinuation shall affect your liability or obligation under this Agreement.

Payee Limitation
Dover Federal reserves the right to impose frequency or dollar limit on or refuse to make any payment you have directed.

In the event of a dispute regarding Online Banking, you and Dover Federal agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and Dover Federal, which supersedes any proposal or prior agreement, oral or written, and any other communications between you and Dover Federal relating to the subject matter of this Agreement. If there is a conflict between what one of Dover Federal’s employees says and the terms of this Agreement, the terms of this Agreement have final control.

Dover Federal’s Liability
Our liability to you is set forth in any agreements, notices, and disclosures that we separately provide to you from time to time regarding your accounts and Online Banking. This section explains our liability to you only to the extent that our liability has not been separately disclosed to you by any of these agreements, notices, or disclosures. Under no circumstances, will we have any liability to you for failing to provide you access to your accounts or Online Banking. Furthermore, unless otherwise required by applicable law, we will only be responsible for performing the Online Banking Services as expressly stated in this Agreement and will only be liable for material losses incurred by you to the extent such losses directly result from our gross negligence or intentional misconduct in performing these services.

In no event will we have liability for any consequential, special, punitive or indirect loss or damage whether or not any claim for such damage is based on tort or contract or if we knew or should have known the likelihood of such damages in any circumstances.

Except to the extent that we are liable under the terms of this Agreement or an agreement that otherwise governs you accounts, if you are an owner of an account, you agree to indemnify and hold us, our directors, officers, employees, and agents harmless from all loss, liability, claims, demands, judgments, and expenses arising out of or in any way connected with an Account or the performance of Online Banking Services. This indemnification is provided without regard to whether our claim for indemnification is due to the use of the Online Banking Services by you or your authorized representative.

Governing Law
This Agreement shall be governed by the laws of the jurisdiction in which Dover Federal is located and by applicable Federal laws and regulations.

Federal Disclosure
You agree to accept this disclosure online rather than a paper disclosure. We recommend you print the entire Agreement and Disclosure for your records. If you are unable to print this, please request a paper disclosure to be mailed to you.

Contact Information
Dover Federal Credit Union
1075 Silver Lake Blvd.
Dover, DE 19904

Telephone 302-678-8000
Toll-Free 888-818-3328
Fax 302-678-4391
Dover Federal Credit Union, 2013. All Rights Reserved.