Common use of BINDING ARBITRATION CONSENT AND AGREEMENT Clause in Contracts

BINDING ARBITRATION CONSENT AND AGREEMENT. You and I agree to attempt to informally settle any disputes affecting my account(s) which might arise under this Agreement and Disclosure. If that cannot be done, you and I agree that any claim or dispute between us (“Claim”) that is filed or initiated after the Effective Date (defined below) of this Binding Arbitration Consent and Agreement, even if the Claim is arose prior to the Effective Date, whether in contract, tort, statute, or otherwise, affecting my accounts and/or arising out of or relating to this Agreement and Disclosure will, at the election of either you or me, be resolved by BINDING ARBITRATION administered by either JAMS, Inc. (“JAMS”) or the American Arbitration Association (“AAA”) in accordance with their applicable rules and procedures for consumer disputes (“Rules”). The Rules can be obtained free of charge on the JAMS website at xxx.xxxxxxx.xxx or the AAA website at xxx.xxx.xxx; or, a copy of the Rules can be obtained at any Credit Union branch upon request. Either you or I may elect to resolve a particular Claim through arbitration, even if one of us has already initiated litigation in court related to the Claim by: (a) making written demand for arbitration upon the other party, (b) initiating arbitration against the other party, or (c) filing a motion to compel arbitration in court. AS A RESULT, IF EITHER YOU OR I ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, I WILL GIVE UP MY RIGHT TO GO TO COURT TO ASSERT OR DEFEND MY RIGHTS UNDER THIS AGREEMENT AND DISCLOSURE (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION THAT REMAIN IN SMALL CLAIMS COURT). This Binding Arbitration Consent and Agreement will be interpreted and enforced in accordance with the Federal Arbitration Act in Title 9 of the U.S. Code to the fullest extent possible, notwithstanding any state law to the contrary, regardless of the origin or nature of the Claim. This Binding Arbitration Consent and Agreement does not prevent me from submitting any issue relating to my accounts for review or consideration by a federal, state, or local governmental agency or entity, nor does it prevent such agency or entity from seeking relief on my behalf. I acknowledge that by consenting to BINDING ARBITRATION, I understand and agree with the following terms: • SELECTION OF ARBITRATION: If either you or I elect to resolve a Claim through binding Arbitration, my rights will be determined by a neutral arbitrator and NOT a judge or jury, in accordance with all applicable laws and Rules. The neutral arbitrator will be selected in accordance with the Rules. In the event of a conflict between the Rules and this Binding Arbitration Consent and Agreement, this Binding Arbitration Consent and Agreement will supersede the conflicting Rules only to the extent of the inconsistency. The party filing a Claim in arbitration will select either JAMS or AAA as the arbitration administrator. If both JAMS and AAA are unavailable to resolve the Claim, and if you and I do not agree on a substitute, then I can select the forum for resolution of the Claim.

BINDING ARBITRATION CONSENT AND AGREEMENT. You and I agree to attempt to informally settle any disputes affecting arising out of, affecting, or relating to my account(s) which might arise under this Agreement and Disclosureaccounts or my relationship with you. If that cannot be done, you and I agree that any claim or dispute between us (“Claim”) that is filed or initiated after the Effective Date (defined below) of this Binding Arbitration Consent and Agreement, even if the Claim is arose prior to the Effective DateDate of this Binding Arbitration Consent and Agreement, whether in contract, tort, statute, or otherwise, affecting my accounts and/or arising that arises out of or relating relates to this Agreement and Disclosure willAgreement, my accounts or my use of your products or services shall, at the election of either you or me, be resolved by BINDING ARBITRATION administered by either JAMS, Inc. (“JAMS”) or the American Arbitration Association (“AAA”) in accordance with their its applicable rules and procedures for consumer disputes (“Rules”), whether such Claim is in contract, tort, statute, or otherwise. The Rules can be obtained on the AAA website free of charge on the JAMS website at xxx.xxxxxxx.xxx or the AAA website at xxx.xxx.xxx; or, a copy of the Rules can be obtained at any Credit Union branch upon request. Either you or I may elect to resolve a particular Claim through arbitration, even if one of us has already initiated litigation in court related to the Claim by: (a) making written demand for arbitration upon the other party, (b) initiating arbitration against the other party, or (c) filing a motion to compel arbitration in court. AS A RESULT, IF EITHER YOU OR I ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, I WILL GIVE UP MY RIGHT TO GO TO COURT TO ASSERT OR DEFEND MY RIGHTS UNDER THIS AGREEMENT AND DISCLOSURE (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION THAT REMAIN JURISDICTION, SO LONG AS THE CLAIM REMAINS IN SMALL CLAIMS COURT). This Binding Arbitration Consent and Agreement will be interpreted and enforced in accordance with the Federal Arbitration Act in Title 9 of the U.S. Code to the fullest extent possible, notwithstanding any state law to the contrary, regardless of the origin or nature of the Claim. This I acknowledge that this Binding Arbitration Consent and Agreement does not prevent me from submitting any issue relating to my accounts for review or consideration by a federal, state, or local governmental agency or entity, nor does it prevent such agency or entity from seeking relief on my behalf. I acknowledge that by By consenting to BINDING ARBITRATION, I understand and agree with the following terms: • SELECTION OF ARBITRATIONARBITRATOR: If either you or I elect to resolve a Claim through binding Arbitrationarbitration, my rights will be determined by a neutral arbitrator and NOT a judge or jury, in accordance with all applicable laws and Rules. The neutral arbitrator will be selected in accordance with the Rules, and must have experience and knowledge in the types of financial transactions at issue in the Claims. In the event of a conflict between the Rules and this Binding Arbitration Consent and Agreement, this Binding Arbitration Consent and Agreement will supersede the conflicting Rules only to the extent of the inconsistency. The party filing a Claim in arbitration will select either JAMS or If AAA as the arbitration administrator. If both JAMS and AAA are is unavailable to resolve the Claim, and if you and I do not agree on a substitute, then I can select the appropriate forum for resolution of the Claim.

BINDING ARBITRATION CONSENT AND AGREEMENT. You and I agree to attempt to informally settle any disputes affecting arising out of, affecting, or relating to my account(s) which might arise under this Agreement and Disclosureaccounts or my relationship with you. If that cannot be done, you and I agree that any claim or dispute between us (“Claim”) that is filed or initiated after the Effective Date (defined below) of this Binding Arbitration Consent and Agreement, even if the Claim is arose prior to the Effective DateDate of this Binding Arbitration Consent and Agreement, whether in contract, tort, statute, or otherwise, affecting my accounts and/or arising that arises out of or relating relates to this Agreement and Disclosure willAgreement, my accounts or my use of your products or services shall, at the election of either you or me, be resolved by BINDING ARBITRATION administered by either JAMS, Inc. (“JAMS”) or the American Arbitration Association (“AAA”) in accordance with their its applicable rules and procedures for consumer disputes (“Rules”), whether such Claim is in contract, tort, statute, or otherwise. The Rules can be obtained on the AAA website free of charge on the JAMS website at xxx.xxxxxxx.xxx or the AAA website at xxx.xxx.xxxxxx.xxx.xxx ; or, a copy of the Rules can be obtained at any Credit Union branch upon request. Either you or I may elect to resolve a particular Claim through arbitration, even if one of us has already initiated litigation in court related to the Claim by: (a) making written demand for arbitration upon the other party, (b) initiating arbitration against the other party, or (c) filing a motion to compel arbitration in court. AS A RESULT, IF EITHER YOU OR I ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, I WILL GIVE UP MY RIGHT TO GO TO COURT TO ASSERT OR DEFEND MY RIGHTS UNDER THIS AGREEMENT AND DISCLOSURE (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION THAT REMAIN JURISDICTION, SO LONG AS THE CLAIM REMAINS IN SMALL CLAIMS COURT). This Binding Arbitration Consent and Agreement will be interpreted and enforced in accordance with the Federal Arbitration Act in Title 9 of the U.S. Code to the fullest extent possible, notwithstanding any state law to the contrary, regardless of the origin or nature of the Claim. This I acknowledge that this Binding Arbitration Consent and Agreement does not prevent me from submitting any issue relating to my accounts for review or consideration by a federal, state, or local governmental agency or entity, nor does it prevent such agency or entity from seeking relief on my behalf. I acknowledge that by By consenting to BINDING ARBITRATION, I understand and agree with the following terms: • SELECTION OF ARBITRATIONARBITRATOR: If either you or I elect to resolve a Claim through binding Arbitrationarbitration, my rights will be determined by a neutral arbitrator and NOT a judge or jury, in accordance with all applicable laws and Rules. The neutral arbitrator will be selected in accordance with the Rules, and must have experience and knowledge in financial transactions. In the event of a conflict between the Rules and this Binding Arbitration Consent and Agreement, this Binding Arbitration Consent and Agreement will supersede the conflicting Rules only to the extent of the inconsistency. The party filing a Claim in arbitration will select either JAMS or If AAA as the arbitration administrator. If both JAMS and AAA are is unavailable to resolve the Claim, and if you and I do not agree on a substitute, then I can select the appropriate forum for resolution of the Claim.

BINDING ARBITRATION CONSENT AND AGREEMENT. You and I agree to attempt to informally settle any disputes affecting my account(s) which might arise under this Agreement and Disclosure. If that cannot be done, you and I agree that any claim or dispute between us (“Claim”) that is filed or initiated after the Effective Date (defined below) of this Binding Arbitration Consent and Agreement, even if the Claim is arose prior to the Effective Date, whether in contract, tort, statute, or otherwise, affecting my accounts and/or arising out of or relating to this Agreement and Disclosure will, at the election of either you or me, be resolved by BINDING ARBITRATION administered by either JAMS, Inc. (“JAMS”) or the American Arbitration Association (“AAA”) in accordance with their applicable rules and procedures for consumer disputes (“Rules”). The Rules can be obtained free of charge on the JAMS website at xxx.xxxxxxx.xxx or the AAA website at xxx.xxx.xxx; or, a copy of the Rules can be obtained at any Credit Union branch upon request. Either you or I may elect to resolve a particular Claim through arbitration, even if one of us has already initiated litigation in court related to the Claim by: (a) making written demand for arbitration upon the other party, (b) initiating arbitration against the other party, or (c) filing a motion to compel arbitration in court. AS A RESULT, IF EITHER YOU OR I ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, I WILL GIVE UP MY RIGHT TO GO TO COURT TO ASSERT OR DEFEND MY RIGHTS UNDER THIS AGREEMENT AND DISCLOSURE (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION THAT REMAIN IN SMALL CLAIMS COURT). This Binding Arbitration Consent and Agreement will be interpreted and enforced in accordance with the Federal Arbitration Act in Title 9 of the U.S. Code to the fullest extent possible, notwithstanding any state law to the contrary, regardless of the origin or nature of the Claim. This Binding Arbitration Consent and Agreement does not prevent me from submitting any issue relating to my accounts for review or consideration by a federal, state, or local governmental agency or entity, nor does it prevent such agency or entity from seeking relief on my behalf. I acknowledge that by consenting to BINDING ARBITRATION, I understand and agree with the following terms: •  SELECTION OF ARBITRATION: If either you or I elect to resolve a Claim through binding Arbitration, my rights will be determined by a neutral arbitrator and NOT a judge or jury, in accordance with all applicable laws and Rules. The neutral arbitrator will be selected in accordance with the Rules. In the event of a conflict between the Rules and this Binding Arbitration Consent and Agreement, this Binding Arbitration Consent and Agreement will supersede the conflicting Rules only to the extent of the inconsistency. The party filing a Claim in arbitration will select either JAMS or AAA as the arbitration administrator. If both JAMS and AAA are unavailable to resolve the Claim, and if you and I do not agree on a substitute, then I can select the forum for resolution of the Claim.

BINDING ARBITRATION CONSENT AND AGREEMENT. You and I we agree to attempt to informally settle any disputes affecting my account(s) which might arise under this Agreement and Disclosurearising out of, affecting, or relating to your Accounts or your relationship with us. If that cannot be done, you and I we agree that any claim or dispute between us (“Claim”) based on conduct, activities, actions, or omissions that is filed occur on or initiated after the Effective Date (defined below) of this Binding Arbitration Consent and Agreement, even if the Claim is arose prior to the Effective Date, whether in contract, tort, statute, or otherwise, affecting my accounts and/or arising and which arises out of or relating relates to this Agreement and Disclosure willthe Account Agreement, your Accounts or your use of our products or services, shall, at the election of either you or meus, be resolved by BINDING ARBITRATION administered by either JAMS, Inc. (“JAMS”) or the American Arbitration Association (“AAA”) in accordance with their its applicable rules and procedures for consumer disputes (“Rules”), whether such Claim is in contract, tort, statute, or otherwise. The Rules can be obtained on the AAA website free of charge on the JAMS website at xxx.xxxxxxx.xxx or the AAA website at xxx.xxx.xxx; or, or a copy of the Rules can be obtained at any Credit Union branch upon request. Either you or I may elect to resolve a particular Claim through arbitration, even if one of us has already initiated litigation in court related to the Claim by: (a) making written demand for arbitration upon the other party, (b) initiating arbitration against the other party, or (c) filing a motion to compel arbitration in court. AS A RESULT, IF EITHER YOU OR I WE ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, I YOU WILL GIVE UP MY YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND MY YOUR RIGHTS UNDER THIS AGREEMENT AND DISCLOSURE (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN IN SMALL CLAIMS COURT JURISDICTION THAT REMAIN COURT, SO LONG AS THE CLAIM REMAINS IN SMALL CLAIMS COURT). This Binding Arbitration Consent and Agreement will be interpreted and enforced in accordance with the Federal Arbitration Act in Title 9 of the U.S. United States Code to the fullest extent possible, notwithstanding any state law to the contrary, regardless of the origin or nature of the Claim. This The Texas Arbitration Act will not apply to this Binding Arbitration Consent and Agreement or to any Claims between us. You acknowledge that this Binding Arbitration Consent and Agreement does not prevent me you from submitting any issue relating to my your accounts for review or consideration by a federal, state, or local governmental agency or entity, nor does it prevent such agency or entity from seeking relief on my your behalf. I acknowledge that by By consenting to BINDING ARBITRATION, I you understand and agree with the following terms: • SELECTION OF ARBITRATION: If either you or I elect to resolve a Claim through binding Arbitration, my rights will be determined by a neutral arbitrator and NOT a judge or jury, in accordance with all applicable laws and Rules. The neutral arbitrator will be selected in accordance with the Rules. In the event of a conflict between the Rules and this Binding Arbitration Consent and Agreement, this Binding Arbitration Consent and Agreement will supersede the conflicting Rules only to the extent of the inconsistency. The party filing a Claim in arbitration will select either JAMS or AAA as the arbitration administrator. If both JAMS and AAA are unavailable to resolve the Claim, and if you and I do not agree on a substitute, then I can select the forum for resolution of the Claim.:

BINDING ARBITRATION CONSENT AND AGREEMENT. You and I we agree to attempt to informally settle any disputes affecting my account(s) which might arise under this Agreement and Disclosurearising out of, afecting, or relating to your accounts or your relationship with us. If that cannot be done, you and I we agree that any claim or dispute between us (“Claim”) that is filed fled or initiated after the Effective Efective Date (defined as defned below) of this Binding Arbitration Consent and Agreement, even if the Claim is arose prior to the Effective DateEfective Date of this Binding Arbitration Consent and Agreement, whether in contract, tort, statute, or otherwise, affecting my accounts and/or arising that arises out of or relating relates to this Agreement and Disclosure willAgreement, your accounts or your use of our products or services shall, at the election of either you or meus, be resolved by BINDING ARBITRATION administered by either JAMS, Inc. (“JAMS”) or the American Arbitration Association (“AAA”) in accordance with their its applicable rules and procedures for consumer disputes (“Rules”), whether such Claim is in contract, tort, statute, or otherwise. The Rules can be obtained on the AAA website free of charge on the JAMS website at xxx.xxxxxxx.xxx or the AAA website at xxx.xxx.xxx; or, a copy of the Rules can be obtained at any Credit Union branch upon request. Either you or I may elect to resolve a particular Claim through arbitration, even if one of us has already initiated litigation in court related to the Claim by: (a) making written demand for arbitration upon the other party, (b) initiating arbitration against the other party, or (c) filing a motion to compel arbitration in court. AS A RESULT, IF EITHER YOU OR I WE ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, I YOU WILL GIVE UP MY YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND MY YOUR RIGHTS UNDER THIS AGREEMENT AND DISCLOSURE (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION THAT REMAIN JURISDICTION, SO LONG AS THE CLAIM REMAINS IN SMALL CLAIMS COURT). This Binding Arbitration Consent and Agreement will be interpreted and enforced in accordance with the Federal Arbitration Act in Title 9 of the U.S. Code to the fullest extent possible, notwithstanding any state law to the contrary, regardless of the origin or nature of the Claim. This You acknowledge that this Binding Arbitration Consent and Agreement does not prevent me you from submitting any issue relating to my your accounts for review or consideration by a federal, state, or local governmental agency or entity, nor does it prevent such agency or entity from seeking relief on my your behalf. I acknowledge that by By consenting to BINDING ARBITRATION, I you understand and agree with the following terms: • SELECTION OF ARBITRATION: If either you or I elect to resolve a Claim through binding Arbitration, my rights will be determined by a neutral arbitrator and NOT a judge or jury, in accordance with all applicable laws and Rules. The neutral arbitrator will be selected in accordance with the Rules. In the event of a conflict between the Rules and this Binding Arbitration Consent and Agreement, this Binding Arbitration Consent and Agreement will supersede the conflicting Rules only to the extent of the inconsistency. The party filing a Claim in arbitration will select either JAMS or AAA as the arbitration administrator. If both JAMS and AAA are unavailable to resolve the Claim, and if you and I do not agree on a substitute, then I can select the forum for resolution of the Claim.:

BINDING ARBITRATION CONSENT AND AGREEMENT. You and I we agree to attempt to informally settle any disputes affecting my account(s) which might arise under this Agreement and Disclosurearising out of, affecting, or relating to your Accounts or your relationship with us. If that cannot be done, you and I we agree that any claim or dispute between us (“Claim”) based on conduct, activities, actions, or omissions that is filed occur on or initiated after the Effective Date (defined below) of this Binding Arbitration Consent and Agreement, even if the Claim is arose prior to the Effective Date, whether in contract, tort, statute, or otherwise, affecting my accounts and/or arising and which arises out of or relating relates to this Agreement and Disclosure willthe Account Agreement, your Accounts or your use of our products or services, shall, at the election of either you or meus, be resolved by BINDING ARBITRATION administered by either JAMS, Inc. (“JAMS”) or the American Arbitration Association (“AAA”) in accordance with their its applicable rules and procedures for consumer disputes (“Rules”), whether such Claim is in contract, tort, statute, or otherwise. The Rules can be obtained on the AAA website free of charge on the JAMS website at xxx.xxxxxxx.xxx or the AAA website at xxx.xxx.xxx; or, a copy of the Rules can be obtained at any Credit Union branch Store upon request. Either you or I may elect to resolve a particular Claim through arbitration, even if one of us has already initiated litigation in court related to the Claim by: (a) making written demand for arbitration upon the other party, (b) initiating arbitration against the other party, or (c) filing a motion to compel arbitration in court. AS A RESULT, IF EITHER YOU OR I WE ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, I YOU WILL GIVE UP MY YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND MY YOUR RIGHTS UNDER THIS AGREEMENT AND DISCLOSURE (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS JUSTICE COURT JURISDICTION THAT REMAIN JURISDICTION, SO LONG AS THE CLAIM REMAINS IN SMALL CLAIMS JUSTICE YOU’LL COURT). This Binding Arbitration Consent and Agreement will be interpreted and enforced in accordance with the Federal Arbitration Act in Title 9 of the U.S. Code to the fullest extent possible, notwithstanding any state law to the contrary, regardless of the origin or nature of the Claim. This The Texas Arbitration Act will not apply to this Binding Arbitration Consent and Agreement or to any Claims between us. You acknowledge that this Binding Arbitration Consent and Agreement does not prevent me you from submitting any issue relating to my your accounts for review or consideration by a federal, state, or local governmental agency or entity, nor does it prevent such agency or entity from seeking relief on my your behalf. I acknowledge that by By consenting to BINDING ARBITRATION, I you understand and agree with the following terms: • SELECTION OF ARBITRATION: If either you or I elect to resolve a Claim through binding Arbitration, my rights will be determined by a neutral arbitrator and NOT a judge or jury, in accordance with all applicable laws and Rules. The neutral arbitrator will be selected in accordance with the Rules. In the event of a conflict between the Rules and this Binding Arbitration Consent and Agreement, this Binding Arbitration Consent and Agreement will supersede the conflicting Rules only to the extent of the inconsistency. The party filing a Claim in arbitration will select either JAMS or AAA as the arbitration administrator. If both JAMS and AAA are unavailable to resolve the Claim, and if you and I do not agree on a substitute, then I can select the forum for resolution of the Claim.:

BINDING ARBITRATION CONSENT AND AGREEMENT. You and I agree to attempt to informally settle any disputes affecting arising out of, affecting, or relating to my account(s) which might arise under this Agreement and Disclosureaccounts or my relationship with you. If that cannot be done, you and I agree that any claim or dispute between us (“Claim”) that is filed or initiated after the Effective Date (defined below) of this Binding Arbitration Consent and Agreement, even if the Claim is arose prior to the Effective DateDate of this Binding Arbitration Consent and Agreement, whether in contract, tort, statute, or otherwise, affecting my accounts and/or arising that arises out of or relating relates to this Agreement and Disclosure willAgreement, my accounts or my use of your products or services shall, at the election of either you or me, be resolved by BINDING ARBITRATION administered by either JAMS, Inc. (“JAMS”) or the American Arbitration Association (“AAA”) in accordance with their its applicable rules and procedures for consumer disputes (“Rules”), whether such Claim is in contract, tort, statute, or otherwise. The Rules can be obtained on the AAA website free of charge on the JAMS website at xxx.xxxxxxx.xxx or the AAA website at xxx.xxx.xxxxxx.xxx.xxx ; or, a copy of the Rules can be obtained at any Credit Union branch upon request. Either you or I may elect to resolve a particular Claim through arbitration, even if one of us has already initiated litigation in court related to the Claim by: (a) making written demand for arbitration upon the other party, (b) initiating arbitration against the other party, or (c) filing a motion to compel arbitration in court. AS A RESULT, IF EITHER YOU OR I ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, I WILL GIVE UP MY RIGHT TO GO TO COURT TO ASSERT OR DEFEND MY RIGHTS UNDER THIS AGREEMENT AND DISCLOSURE (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION THAT REMAIN JURISDICTION, SO LONG AS THE CLAIM REMAINS IN SMALL CLAIMS COURT). This Binding Arbitration Consent and Agreement will be interpreted and enforced in accordance with the Federal Arbitration Act in Title 9 of the U.S. Code to the fullest extent possible, notwithstanding any state law to the contrary, regardless of the origin or nature of the Claim. This I acknowledge that this Binding Arbitration Consent and Agreement does not prevent me from submitting any issue relating to my accounts for review or consideration by a federal, state, or local governmental agency or entity, nor does it prevent such agency or entity from seeking relief on my behalf. I acknowledge that by By consenting to BINDING ARBITRATION, I understand and agree with the following terms: • SELECTION OF ARBITRATION: If either you or I elect to resolve a Claim through binding Arbitration, my rights will be determined by a neutral arbitrator and NOT a judge or jury, in accordance with all applicable laws and Rules. The neutral arbitrator will be selected in accordance with the Rules. In the event of a conflict between the Rules and this Binding Arbitration Consent and Agreement, this Binding Arbitration Consent and Agreement will supersede the conflicting Rules only to the extent of the inconsistency. The party filing a Claim in arbitration will select either JAMS or AAA as the arbitration administrator. If both JAMS and AAA are unavailable to resolve the Claim, and if you and I do not agree on a substitute, then I can select the forum for resolution of the Claim.: