Common use of BINDING ARBITRATION CONSENT AND AGREEMENT Clause in Contracts

BINDING ARBITRATION CONSENT AND AGREEMENT. You and we agree to attempt to informally settle any disputes arising out of, affecting, or relating to your accounts or your relationship with us. If that cannot be done, you and we agree that any claim or dispute between us (“Claim”) that is filed or initiated after the Effective Date (as defined below) of this Binding Arbitration Consent and Agreement, even if the Claim arose prior to the Effective Date of this Binding Arbitration Consent and Agreement, that arises out of or relates to this Agreement, your accounts or your use of our products or services shall, at the election of either you or us, be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) in accordance with 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 at ▇▇▇.▇▇▇.▇▇▇; or, a copy of the Rules can be obtained at any Credit Union branch upon request. As a result, if either you or we elect to resolve a particular claim through arbitration, you will give up your right to go to court to assert or defend your rights under this agreement, except for claims brought individually within small claims court 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 federal or state law or regulation to the contrary, regardless of the origin or nature of the ▇▇▇▇▇.▇▇▇ acknowledge that this Binding Arbitration Consent and Agreement does not prevent you from submitting any issue relating to your accounts for review or consideration by a federal, state, or local governmental agency or entity, nor does it prevent such agency or entity seeking relief on your behalf. By consenting to binding arbitration, you understand and agree with the following terms:

BINDING ARBITRATION CONSENT AND AGREEMENT. You and we agree to attempt to informally settle any disputes arising out of, affecting, or relating to your accounts or your relationship with us. If that cannot be done, you and we agree that any claim or dispute between us (“Claim”) that is filed or initiated after the Effective Date (as defined below) of this Binding Arbitration Consent and AgreementAgreement (“Claim”), even if the Claim arose prior to the Effective Date of this Binding Arbitration Consent and Agreement, that arises out of or relates to this Agreement, your accounts or your use of our products or services shall, whether such Claim is in contract, tort, statute, or otherwise, at the election of either you or us, be resolved by binding arbitration BINDING ARBITRATION administered by the American Arbitration Association (“AAA”) in accordance with 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 at ▇▇▇.▇▇▇.▇▇▇; or, a copy of the Rules can be obtained at any Credit Union branch upon request. As a result, if either Either you or we may elect to resolve a particular claim Claim through arbitration, you will give up your right even if one of us has already initiated litigation in court related to go 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 court to assert or defend your rights under this agreementcompel arbitration in court. AS A RESULT, except for claims brought individually within small claims court jurisdictionIF EITHER YOU OR WE ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, so long as the claim remains in small claims courtYOU WILL GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS UNDER THIS AGREEMENT (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT 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 federal or state law or regulation to the contrary, regardless of the origin or nature of the ▇▇▇▇▇.▇▇▇ Claim. You acknowledge that this Binding Arbitration Consent and Agreement does not prevent you from submitting any issue relating to your accounts for review or consideration by a federal, state, or local governmental agency or entity, nor does it prevent such agency or entity seeking relief on your behalf. By consenting to binding arbitrationBINDING ARBITRATION, you understand and agree with the following terms:

BINDING ARBITRATION CONSENT AND AGREEMENT. You and we agree to attempt to informally settle any disputes arising out of, affecting, or relating to your accounts or your relationship with us. If that cannot be done, you and we agree that any claim or dispute between us (“Claim”) that is filed or initiated after the Effective Date (as defined below) of this Binding Arbitration Consent and Agreement, even if the Claim arose prior to the Effective Date of this Binding Arbitration Consent and Agreement, that arises out of or relates to this Agreement, your accounts or your use of our products or services shall, at the election of either you or us, be resolved by binding arbitration BINDING ARBITRATION administered by the American Arbitration Association (“AAA”) in accordance with 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 at ▇▇▇.▇▇▇.▇▇▇; or, a copy of the Rules can be obtained at any Credit Union branch upon request. As a result, if either Either you or we may elect to resolve a particular claim Claim through arbitration, you will give up your right even if one of us has already initiated litigation in court related to go 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 court to assert or defend your rights under this agreementcompel arbitration in court. AS A RESULT, except for claims brought individually within small claims court jurisdictionIF EITHER YOU OR WE ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, so long as the claim remains in small claims courtYOU WILL GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS UNDER THIS AGREEMENT (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT 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 federal or state law or regulation to the contrary, regardless of the origin or nature of the ▇▇▇▇▇.▇▇▇ Claim. You acknowledge that this Binding Arbitration Consent and Agreement does not prevent you from submitting any issue relating to your accounts for review or consideration by a federal, state, or local governmental agency or entity, nor does it prevent such agency or entity seeking relief on your behalf. By consenting to binding arbitrationBINDING ARBITRATION, you understand and agree with the following terms:

BINDING ARBITRATION CONSENT AND AGREEMENT. You and we agree to attempt to informally settle any disputes arising out of, affecting, or relating to your accounts Accounts or your relationship with us. If that cannot be done, you and 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 (as defined below) of this Binding Arbitration Consent and Agreement, even if the Claim arose prior to the Effective Date of this Binding Arbitration Consent and Agreement, that which arises out of or relates to this the Account Agreement, your accounts Accounts or your use of our products or services services, shall, at the election of either you or us, be resolved by binding arbitration BINDING ARBITRATION administered by the American Arbitration Association (“AAA”) in accordance with 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 at ▇▇▇.▇▇▇.▇▇▇; or, or a copy of the Rules can be obtained at any Credit Union branch upon request. As a resultAS A RESULT, if either you or we elect to resolve a particular claim through arbitrationIF EITHER YOU OR WE ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, you will give up your right to go to court to assert or defend your rights under this agreementYOU WILL GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS UNDER THIS AGREEMENT (EXCEPT FOR CLAIMS BROUGHT IN SMALL CLAIMS COURT, except for claims brought individually within small claims court jurisdiction, so long as the claim remains in small claims courtSO 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 federal or state law or regulation to the contrary, regardless of the origin or nature of the ▇▇▇▇▇.▇▇▇ Claim. 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 you from submitting any issue relating to 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 your behalf. By consenting to binding arbitrationBINDING ARBITRATION, you understand and agree with the following terms:

BINDING ARBITRATION CONSENT AND AGREEMENT. You and we I agree to attempt to informally settle any disputes arising out of, affecting, or relating to your accounts or your relationship with usaffecting my account(s) which might arise under this Agreement and Disclosure. If that cannot be done, you and we I agree that any claim or dispute between us (“Claim”) that is filed or initiated after the Effective Date (as defined below) of this Binding Arbitration Consent and Agreement, even if the Claim is arose prior to the Effective Date of this Binding Arbitration Consent and AgreementDate, that arises whether in contract, tort, statute, or otherwise, affecting my accounts and/or arising out of or relates relating to this Agreement, your accounts or your use of our products or services shallAgreement and Disclosure will, at the election of either you or usme, be resolved by binding arbitration BINDING ARBITRATION administered by either JAMS, Inc. (“JAMS”) or the American Arbitration Association (“AAA”) in accordance with its their applicable rules and procedures for consumer disputes (“Rules”), whether such Claim is in contract, tort, statute, or otherwise. The Rules can be obtained free of charge on the JAMS website at ▇▇▇.▇▇▇▇▇▇▇.▇▇▇ or the AAA website free of charge at ▇▇▇.▇▇▇.▇▇▇; or, a copy of the Rules can be obtained at any Credit Union branch upon request. As a result, if either Either you or we I may elect to resolve a particular claim Claim through arbitration, you will give up your right even if one of us has already initiated litigation in court related to go 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 court to assert or defend your rights under this agreementcompel arbitration in court. AS A RESULT, except for claims brought individually within small claims court jurisdictionIF EITHER YOU OR I ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, so long as the claim remains in small claims courtI 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 federal or state law or regulation to the contrary, regardless of the origin or nature of the ▇▇▇▇▇.▇▇▇ acknowledge that this Claim. This Binding Arbitration Consent and Agreement does not prevent you me from submitting any issue relating to your 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 your my behalf. By I acknowledge that by consenting to binding arbitrationBINDING ARBITRATION, you 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 we I agree to attempt to informally settle any disputes arising out of, affecting, or relating to your my accounts or your my relationship with usyou. If that cannot be done, you and we I agree that any claim or dispute between us (“Claim”) that is filed or initiated after the Effective Date (as defined below) of this Binding Arbitration Consent and Agreement, even if the Claim arose prior to the Effective Date of this Binding Arbitration Consent and Agreement, that arises out of or relates to this Agreement, your my accounts or your my use of our your products or services shall, at the election of either you or usme, be resolved by binding arbitration BINDING ARBITRATION administered by the American Arbitration Association (“AAA”) in accordance with 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 at ▇▇▇.▇▇▇.▇▇▇▇ ; or, a copy of the Rules can be obtained at any Credit Union branch upon request. As a resultAS A RESULT, if either you or we elect to resolve a particular claim through arbitrationIF EITHER YOU OR I ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, you will give up your right to go to court to assert or defend your rights under this agreementI WILL GIVE UP MY RIGHT TO GO TO COURT TO ASSERT OR DEFEND MY RIGHTS UNDER THIS AGREEMENT (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION, except for claims brought individually within small claims court jurisdiction, so long as the claim remains in small claims courtSO 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 federal or state law or regulation to the contrary, regardless of the origin or nature of the ▇▇▇▇▇.▇▇▇ Claim. I acknowledge that this Binding Arbitration Consent and Agreement does not prevent you me from submitting any issue relating to your my accounts for review or consideration by a federal, state, or local governmental agency or entity, nor does it prevent such agency or entity seeking relief on your my behalf. By consenting to binding arbitrationBINDING ARBITRATION, you I understand and agree with the following terms:

BINDING ARBITRATION CONSENT AND AGREEMENT. You and we agree to attempt to informally settle any disputes arising out of, affecting, or relating to your accounts or your relationship with us. If that cannot be done, you and we agree that any claim or dispute between us (“Claim”) that is filed or initiated after the Effective Date (as defined below) of this Binding Arbitration Arbitra- tion Consent and AgreementAgreement (“Claim”), even if the Claim arose prior to the Effective Date of this Binding Arbitration Consent and Agreement, that arises out of or relates to this Agreement, your accounts or your use of our products or services shall, whether such Claim is in contract, tort, statute, or otherwise, at the election of either you or us, be resolved by binding arbitration BINDING ARBITRATION administered by the American Arbitration Association As- sociation (“AAA”) in accordance with 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 at ▇▇▇.▇▇▇.▇▇▇; or, a copy of the Rules can be obtained at any Credit Union branch upon request. As a result, if either Either you or we may elect to resolve re- solve a particular claim Claim through arbitration, you will give up your right even if one of us has already initiated litigation in court related to go the Claim by: (a) making written ▇▇- ▇▇▇▇ for arbitration upon the other party, (b) initiating arbitration against the other party, or (c) filing a motion to court to assert or defend your rights under this agreementcompel arbitration in court. AS A RESULT, except for claims brought individually within small claims court jurisdictionIF EITHER YOU OR WE ELECT TO RESOLVE A PARTICU- LAR CLAIM THROUGH ARBITRATION, so long as the claim remains in small claims courtYOU WILL GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS UNDER THIS AGREEMENT (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT 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 federal or state law or regulation to the contrary, regardless of the origin or nature of the ▇▇▇▇▇.▇▇▇ acknowledge that this Binding Arbitration Consent and Agreement does not prevent you from submitting any issue relating to your accounts for review or consideration by a federal, state, or local governmental agency or entity, nor does it prevent such agency or entity seeking relief on your behalfClaim. By consenting to binding arbitrationBINDING ARBITRATION, you understand and agree with the following terms:

BINDING ARBITRATION CONSENT AND AGREEMENT. You and we I agree to attempt to informally settle any disputes arising out of, affecting, or relating to your my accounts or your my relationship with usyou. If that cannot be done, you and we I agree that any claim or dispute between us (“Claim”) that is filed or initiated after the Effective Date (as defined below) of this Binding Arbitration Consent and Agreement, even if the Claim arose prior to the Effective Date of this Binding Arbitration Consent and Agreement, that arises out of or relates to this Agreement, your my accounts or your my use of our your products or services shall, at the election of either you or usme, be resolved by binding arbitration BINDING ARBITRATION administered by the American Arbitration Association (“AAA”) in accordance with 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 at ▇▇▇.▇▇▇.▇▇▇; or, a copy of the Rules can be obtained at any Credit Union branch upon request. As a result, if either Either you or we I may elect to resolve a particular claim Claim through arbitration, you will give up your right even if one of us has already initiated litigation in court related to go 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 court to assert or defend your rights under this agreement, except for claims brought individually within small claims court jurisdiction, so long as the claim remains compel arbitration 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 possibleAS A RESULT, notwithstanding any federal or state law or regulation to the contraryIF EITHER YOU OR I ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, regardless of the origin or nature of the ▇▇▇▇▇.▇▇▇ acknowledge that this Binding Arbitration Consent and Agreement does not prevent you from submitting any issue relating to your accounts for review or consideration by a federalI WILL GIVE UP MY RIGHT TO GO TO COURT TO ASSERT OR DEFEND MY RIGHTS UNDER THIS AGREEMENT (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION, state, or local governmental agency or entity, nor does it prevent such agency or entity seeking relief on your behalf. By consenting to binding arbitration, you understand and agree with the following terms:SO LONG AS THE

BINDING ARBITRATION CONSENT AND AGREEMENT. You and we agree to attempt to informally settle any disputes arising out of, affectingafecting, or relating to your accounts or your relationship with us. If that cannot be done, you and we agree that any claim or dispute between us (“Claim”) that is filed fled or initiated after the Effective Efective Date (as defined defned below) of this Binding Arbitration Consent and Agreement, even if the Claim arose prior to the Effective Efective Date of this Binding Arbitration Consent and Agreement, that arises out of or relates to this Agreement, your accounts or your use of our products or services shall, at the election of either you or us, be resolved by binding arbitration BINDING ARBITRATION administered by the American Arbitration Association (“AAA”) in accordance with 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 at ▇▇▇.▇▇▇.▇▇▇; or, a copy of the Rules can be obtained at any Credit Union branch upon request. As a resultAS A RESULT, if either you or we elect to resolve a particular claim through arbitrationIF EITHER YOU OR WE ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, you will give up your right to go to court to assert or defend your rights under this agreementYOU WILL GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS UNDER THIS AGREEMENT (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION, except for claims brought individually within small claims court jurisdiction, so long as the claim remains in small claims courtSO 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 federal or state law or regulation to the contrary, regardless of the origin or nature of the ▇▇▇▇▇.▇▇▇ Claim. You acknowledge that this Binding Arbitration Consent and Agreement does not prevent you from submitting any issue relating to your accounts for review or consideration by a federal, state, or local governmental agency or entity, nor does it prevent such agency or entity seeking relief on your behalf. By consenting to binding arbitrationBINDING ARBITRATION, you understand and agree with the following terms:

BINDING ARBITRATION CONSENT AND AGREEMENT. You and we agree to attempt to informally settle any disputes arising out of, affecting, or relating to your accounts Accounts or your relationship with us. If that cannot be done, you and 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 (as defined below) of this Binding Arbitration Consent and Agreement, even if the Claim arose prior to the Effective Date of this Binding Arbitration Consent and Agreement, that which arises out of or relates to this the Account Agreement, your accounts Accounts or your use of our products or services services, shall, at the election of either you or us, be resolved by binding arbitration BINDING ARBITRATION administered by the American Arbitration Association (“AAA”) in accordance with 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 at ▇▇▇.▇▇▇.▇▇▇; or, a copy of the Rules can be obtained at any Credit Union branch Store upon request. As a resultAS A RESULT, if either you or we elect to resolve a particular claim through arbitrationIF EITHER YOU OR WE ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, you will give up your right to go to court to assert or defend your rights under this agreementYOU WILL GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS UNDER THIS AGREEMENT (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN JUSTICE COURT JURISDICTION, except for claims brought individually within small claims court jurisdiction, so long as the claim remains in small claims courtSO LONG AS THE CLAIM REMAINS IN 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 federal or state law or regulation to the contrary, regardless of the origin or nature of the ▇▇▇▇▇.▇▇▇ Claim. 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 you from submitting any issue relating to your accounts for review or consideration by a federal, state, or local governmental agency or entity, nor does it prevent such agency or entity seeking relief on your behalf. By consenting to binding arbitrationBINDING ARBITRATION, you understand and agree with the following terms: