Common use of Disputes Covered by Arbitration Clause in Contracts

Disputes Covered by Arbitration. Claims or disputes between you and us arising out of or relating to your Account(s), transactions involving your Account(s), safe deposit box, and any related service with us are subject to arbitration. Any claims or disputes arising from or relating to this agreement, any prior account agreement between us, or the advertising, the application for, or the approval or establishment of your account are also included. Claims are subject to arbitration, regardless of what theory they are based on or whether they seek legal or equitable remedies. Arbitration applies to any and all such claims or disputes, whether they arose in the past, may currently exist or may arise in the future. Disputes also include claims or disputes relating to the enforceability, validity, scope or interpretation of any of these arbitration provisions. Any questions about whether disputes are subject to arbitration shall be resolved by interpreting this arbitration provision in the broadest way the law will allow it to be enforced. All such disputes are referred to in this section as “Claims”. An exception to arbitration of Claims is that both you and we have the right to pursue a Claim in a small claims court instead of arbitration, if the Claim is in that court’s jurisdiction and proceeds on an individual basis. Claims or disputes arising from your status as a borrower under any loan agreement with the Credit Union are also excluded from this Resolution of Disputes by Arbitration provision. No Class Action or Joinder of Parties. YOU ACKNOWLEDGE THAT YOU AND WE AGREE THAT NO CLASS ACTION, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER PROCEEDING WHERE SOMEONE ACTS IN A REPRESENTATIVE CAPACITY, MAY BE PURSUED IN ANY ARBITRATION OR IN ANY COURT PROCEEDING, REGARDLESS OF WHEN THE CLAIM OR CAUSE OF ACTION AROSE OR ACCRUED, OR WHEN THE ALLEGATIONS OR FACTS UNDERLYING THE CLAIM OR CAUSE OF ACTION

Disputes Covered by Arbitration. Claims YOU ACKNOWLEDGE THAT IN ARBITRATION THERE WILL BE NO RIGHT TO A JURY TRIAL. Any claim or disputes between you and us dispute relating to or arising out of your Accounts or relating to your Account(s), transactions involving your Account(s), safe deposit box, and any related service with us are subject to arbitration. Any claims or disputes arising from or relating to this agreement, any prior account agreement between us, or the advertising, the application for, or the approval or establishment of your account are also included. Claims are our relationship will be subject to arbitration, regardless of what theory they are based on whether that dispute arose before or whether they seek legal after your receipt of this notice. Disputes include claims made as part of a class action, private attorney general or equitable remedies. Arbitration applies other representative action, it being expressly understood and agreed to any and all that the arbitration of such claims or disputesmust proceed on an individual (non-class, whether they arose in non-representative) basis and the pastarbitrator may award relief only on an individual (non-class, may currently exist or may arise in the futurenon-representative) basis. Disputes also include claims or disputes relating to the enforceability, validity, scope enforceability or interpretation of any of these arbitration provisions. Any questions about whether disputes are subject to arbitration shall be resolved by interpreting this arbitration provision in the broadest way the law will allow it to be enforced. All such disputes are referred subject to in this section as “Claims”. An exception to arbitration of Claims is that both you and we have the right to pursue a Claim in a small claims court instead of arbitration, if the Claim is in that court’s jurisdiction and proceeds on an individual basisno matter what legal theory they are based on, or what remedy (damages, or injunctive or declaratory relief) they seek. Claims Disputes include any unresolved claims concerning any services relating to your Accounts. Disputes include not only claims made directly by you, but also made by anyone connected with you or disputes arising from your status claiming through you, such as a borrower under any loan agreement with joint account holder, account beneficiary, employee, representative, agent, predecessor or successor, heir, assignee, or trustee in bankruptcy. Disputes include not only claims that relate directly to the Credit Union Union, but also its affiliates, successors, assignees, officers, directors, employees, and agents, and claims for which we may be directly or indirectly liable, even if we are also excluded from not properly named at the time the claim is made. Disputes include claims based on any theory of law, contract, statute, regulation, tort (including fraud or any intentional tort), or any other legal or equitable ground, and include claims asserted as counterclaims, cross-claims, third-party claims, interpleaders or otherwise; and claims made independently or with other claims. If party initiates a proceeding in court regarding a claim or dispute which is included under this Resolution of Disputes by Arbitration provision. No Class Action or Joinder , the other party may elect to proceed in arbitration pursuant to this Resolution of Parties. YOU ACKNOWLEDGE THAT YOU AND WE AGREE THAT NO CLASS ACTION, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER PROCEEDING WHERE SOMEONE ACTS IN A REPRESENTATIVE CAPACITY, MAY BE PURSUED IN ANY ARBITRATION OR IN ANY COURT PROCEEDING, REGARDLESS OF WHEN THE CLAIM OR CAUSE OF ACTION AROSE OR ACCRUED, OR WHEN THE ALLEGATIONS OR FACTS UNDERLYING THE CLAIM OR CAUSE OF ACTIONDisputes by Arbitration provision.

Disputes Covered by Arbitration. Claims YOU ACKNOWLEDGE THAT IN ARBITRATION THERE WILL BE NO RIGHT TO A JURY TRIAL. Any claim or disputes between you and us dispute relating to or arising out of your accounts or relating to your Account(s), transactions involving your Account(s), safe deposit box, and any related service with us are subject to arbitration. Any claims or disputes arising from or relating to this agreement, any prior account agreement between us, or the advertising, the application for, or the approval or establishment of your account are also included. Claims are our relationship will be subject to arbitration, regardless of what theory they are based on whether that dispute arose before or whether they seek legal after your receipt of this notice. Disputes include claims made as part of a class action, private attorney general or equitable remedies. Arbitration applies other representative action, it being expressly understood and agreed to any and all that the arbitration of such claims or disputesmust proceed on an individual (non-class, whether they arose in non-representative) basis and the pastarbitrator may award relief only on an individual (non-class, may currently exist or may arise in the futurenon- representative) basis. Disputes also include claims or disputes relating to the enforceability, validity, scope enforceability or interpretation of any of these arbitration provisions. Any questions about whether disputes are subject to arbitration shall be resolved by interpreting this arbitration provision in the broadest way the law will allow it to be enforced. All such disputes are referred subject to in this section as “Claims”. An exception to arbitration of Claims is that both you and we have the right to pursue a Claim in a small claims court instead of arbitration, if the Claim is in that court’s jurisdiction and proceeds on an individual basisno matter what legal theory they are based on, or what remedy (damages, or injunctive or declaratory relief) they seek. Claims Disputes include any unresolved claims concerning any services relating to your accounts. Disputes include not only claims made directly by you, but also made by anyone connected with you or disputes arising from your status claiming through you, such as a borrower joint account holder, account beneficiary, employee, representative, agent, predecessor or successor, heir, assignee, or trustee in bankruptcy. Disputes include not only claims that relate directly to the credit union, but also its parent (if any), affiliates, successors, assignees, employees, and agents, and claims for which we may be directly or indirectly liable, even if we are not properly named at the time the claim is made. Disputes include claims based on any theory of law, contract, statute, regulation, tort (including fraud or any intentional tort), or any other legal or equitable ground, and include claims asserted as counterclaims, cross-claims, third-party claims, interpleaders or otherwise; and claims made independently or with other claims. If a party initiates a proceeding in court regarding a claim or dispute which is included under any loan agreement with this Section 31, the Credit Union are also excluded from other party may elect to proceed in arbitration pursuant to this Resolution of Disputes by Arbitration provision. No Class Action or Joinder of Parties. YOU ACKNOWLEDGE THAT YOU AND WE AGREE THAT NO CLASS ACTION, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER PROCEEDING WHERE SOMEONE ACTS IN A REPRESENTATIVE CAPACITY, MAY BE PURSUED IN ANY ARBITRATION OR IN ANY COURT PROCEEDING, REGARDLESS OF WHEN THE CLAIM OR CAUSE OF ACTION AROSE OR ACCRUED, OR WHEN THE ALLEGATIONS OR FACTS UNDERLYING THE CLAIM OR CAUSE OF ACTIONSection 31.

Disputes Covered by Arbitration. Claims YOU ACKNOWLEDGE THAT IN ARBITRATION THERE WILL BE NO RIGHT TO A JURY TRIAL. Any claim or disputes between you and us dispute relating to or arising out of Your Accounts or relating to your Account(s), transactions involving your Account(s), safe deposit box, and any related service with us are subject to arbitration. Any claims or disputes arising from or relating to this agreement, any prior account agreement between us, or the advertising, the application for, or the approval or establishment of your account are also included. Claims are our relationship will be subject to arbitration, regardless of what theory they are based on whether that dispute or whether they seek legal the facts underlying or equitable remediesgiving rise to that dispute arose before or after your receipt of this notice. Arbitration applies Disputes include claims made as part of a class action, private attorney general or other representative action, it being expressly understood and agreed to any and all that the arbitration of such claims or disputesmust proceed on an individual (non-class, whether they arose in non-representative) basis and the pastarbitrator may award relief only on an individual (non-class, may currently exist or may arise in the futurenon-representative) basis. Disputes also include claims or disputes relating to the enforceability, validity, scope scope, or interpretation of any of these arbitration provisions. Any questions about whether disputes are subject to arbitration shall be resolved by interpreting this arbitration provision in the broadest way the law will allow it to be enforced. All such disputes are referred subject to in this section as “Claims”. An exception to arbitration of Claims is that both you and we have the right to pursue a Claim in a small claims court instead of arbitration, if the Claim is in that court’s jurisdiction and proceeds on an individual basisno matter what legal theory they are based on, or what remedy (damages, or injunctive or declaratory relief) they seek. Claims Disputes include any unresolved claims concerning any services relating to Your Accounts. Disputes include not only claims made directly by You, but also made by anyone connected with You or disputes arising from your status claiming through You, such as a borrower under any loan agreement with joint account holder, account beneficiary, employee, representative, agent, predecessor or successor, heir, assignee, or trustee in bankruptcy. Disputes include not only claims that relate directly to the Credit Union Union, but also its parent, affiliates, successors, assignees, employees, and agents, and claims for which We may be directly or indirectly liable, even if We are also excluded from not properly named at the time the claim is made. Disputes include claims based on any theory of law, contract, statute, regulation, tort (including fraud or any intentional tort), or any other legal or equitable ground, and include claims asserted as counterclaims, cross-claims, third-party claims, interpleaders or otherwise; and claims made independently or with other claims. If party initiates a proceeding in court regarding a claim or dispute which is included under this Resolution of Disputes by Arbitration provision. No Class Action or Joinder , the other party may elect to proceed in arbitration pursuant to this Resolution of Parties. YOU ACKNOWLEDGE THAT YOU AND WE AGREE THAT NO CLASS ACTION, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER PROCEEDING WHERE SOMEONE ACTS IN A REPRESENTATIVE CAPACITY, MAY BE PURSUED IN ANY ARBITRATION OR IN ANY COURT PROCEEDING, REGARDLESS OF WHEN THE CLAIM OR CAUSE OF ACTION AROSE OR ACCRUED, OR WHEN THE ALLEGATIONS OR FACTS UNDERLYING THE CLAIM OR CAUSE OF ACTIONDisputes by Arbitration provision.

Disputes Covered by Arbitration. Claims You acknowledge that in arbitration there will be no right to a jury trial. Any claim or disputes between you and us dispute relating to or arising out of your Accounts or relating to your Account(s), transactions involving your Account(s), safe deposit box, and any related service with us are subject to arbitration. Any claims or disputes arising from or relating to this agreement, any prior account agreement between us, or the advertising, the application for, or the approval or establishment of your account are also included. Claims are our relationship will be subject to arbitration, regardless of what theory they are based on whether that dispute arose before or whether they seek legal after your receipt of this notice. Disputes include claims made as part of a class action, private attorney general or equitable remedies. Arbitration applies other representative action, it being expressly understood and agreed to any and all that the arbitration of such claims or disputesmust proceed on an individual (non-class, whether they arose in non-representative) basis and the pastarbitrator may award relief only on an individual (non-class, may currently exist or may arise in the futurenon-representative) basis. Disputes also include claims or disputes relating to the enforceability, validity, scope enforceability or interpretation of any of these arbitration provisions. Any questions about whether disputes are subject to arbitration shall be resolved by interpreting this arbitration provision in the broadest way the law will allow it to be enforced. All such disputes are referred subject to in this section as “Claims”. An exception to arbitration of Claims is that both you and we have the right to pursue a Claim in a small claims court instead of arbitration, if the Claim is in that court’s jurisdiction and proceeds on an individual basisno matter what legal theory they are based on, or what remedy (damages, or injunctive or declaratory relief) they seek. Claims Disputes include any unresolved claims concerning any services relating to your Accounts. Disputes include not only claims made directly by you, but also made by anyone connected with you or disputes arising from your status claiming through you, such as a borrower under any loan agreement with joint account holder, account beneficiary, employee representative, agent, predecessor or successor, heir, assignee, or trustee in bankruptcy. Disputes include not only claims that relate directly to the Credit Union Union, but also its parent, affiliates, successors, assignees, employees, and agents, and claims for which we may be directly or indirectly liable, even if we are also excluded from not properly named at the time the claim is made. Disputes include claims based on any theory of law, contract, statute, regulation, tort (including fraud or any intentional tort), or any other legal or equitable ground, and include claims asserted as counterclaims, cross-claims, third-party claims, interpleaders or otherwise; and claims made independently or with other claims. If a party initiates a proceeding in court regarding a claim or dispute which is included under this Resolution of Disputes by Arbitration provision. No Class Action or Joinder , the other party may elect to proceed in arbitration pursuant to this Resolution of Parties. YOU ACKNOWLEDGE THAT YOU AND WE AGREE THAT NO CLASS ACTION, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER PROCEEDING WHERE SOMEONE ACTS IN A REPRESENTATIVE CAPACITY, MAY BE PURSUED IN ANY ARBITRATION OR IN ANY COURT PROCEEDING, REGARDLESS OF WHEN THE CLAIM OR CAUSE OF ACTION AROSE OR ACCRUED, OR WHEN THE ALLEGATIONS OR FACTS UNDERLYING THE CLAIM OR CAUSE OF ACTIONDisputes by Arbitration provision.

Disputes Covered by Arbitration. Claims YOU ACKNOWLEDGE THAT IN ARBITRATION THERE WILL BE NO RIGHT TO A JURY TRIAL. Any claim or disputes between you and us dispute relating to or arising out of your Accounts or relating to your Account(s), transactions involving your Account(s), safe deposit box, and any related service with us are subject to arbitration. Any claims or disputes arising from or relating to this agreement, any prior account agreement between us, or the advertising, the application for, or the approval or establishment of your account are also included. Claims are our relationship will be subject to arbitration, regardless of what theory they are based on whether that dispute arose before or whether they seek legal after your receipt of this notice. Disputes include claims made as part of a class action, private attorney general or equitable remedies. Arbitration applies other representative action, it being expressly understood and agreed to any and all that the arbitration of such claims or disputesmust proceed on an individual (non-class, whether they arose in non-representative) basis and the pastarbitrator may award relief only on an individual (non-class, may currently exist or may arise in the futurenon-representative) basis. Disputes also include claims or disputes relating to the enforceability, validity, scope enforceability or interpretation of any of these arbitration provisions. Any questions about whether disputes are subject to arbitration shall be resolved by interpreting this arbitration provision in the broadest way the law will allow it to be enforced. All such disputes are referred subject to in this section as “Claims”. An exception to arbitration of Claims is that both you and we have the right to pursue a Claim in a small claims court instead of arbitration, if the Claim is in that court’s jurisdiction and proceeds on an individual basisno matter what legal theory they are based on, or what remedy (damages, or injunctive or declaratory relief) they seek. Claims Disputes include any unresolved claims concerning any services relating to your Accounts. Disputes include not only claims made directly by you, but also made by anyone connected with you or disputes arising from your status claiming through you, such as a borrower under any loan agreement with joint account holder, account beneficiary, employee, representative, agent, predecessor or successor, heir, assignee, or trustee in bankruptcy. Disputes include not only claims that relate directly to the Credit Union Union, but also its affiliates, successors, assignees, officers, directors, employees, and agents, and claims for which we may be directly or indirectly liable, even if we are also excluded from not properly named at the time the claim is made. Disputes include claims based on any theory of law, contract, statute, regulation, tort (including fraud or any intentional tort), or any other legal or equitable ground, and include claims asserted as counterclaims, cross-claims, third-party claims, interpleaders or otherwise; and claims made independently or with other claims. If a party initiates a proceeding in court regarding a claim or dispute which is included under this Resolution of Disputes by Arbitration provision. No Class Action or Joinder , the other party may elect to proceed in arbitration pursuant to this Resolution of Parties. YOU ACKNOWLEDGE THAT YOU AND WE AGREE THAT NO CLASS ACTION, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER PROCEEDING WHERE SOMEONE ACTS IN A REPRESENTATIVE CAPACITY, MAY BE PURSUED IN ANY ARBITRATION OR IN ANY COURT PROCEEDING, REGARDLESS OF WHEN THE CLAIM OR CAUSE OF ACTION AROSE OR ACCRUED, OR WHEN THE ALLEGATIONS OR FACTS UNDERLYING THE CLAIM OR CAUSE OF ACTIONDisputes by Arbitration provision.

Disputes Covered by Arbitration. Claims YOU ACKNOWLEDGE THAT IN ARBITRATION THERE WILL BE NO RIGHT TO A JURY TRIAL. Any claim or disputes between you and us dispute relating to or arising out of Your Accounts or relating to your Account(s), transactions involving your Account(s), safe deposit box, and any related service with us are subject to arbitration. Any claims or disputes arising from or relating to this agreement, any prior account agreement between us, or the advertising, the application for, or the approval or establishment of your account are also included. Claims are our relationship will be subject to arbitration, regardless of what theory they are based on whether that dispute arose before or whether they seek legal after Your receipt of this notice. Disputes include claims made as part of a class action, private attorney general or equitable remedies. Arbitration applies other representative action, it being expressly understood and agreed to any and all that the arbitration of such claims or disputesmust proceed on an individual (non-class, whether they arose in non-representative) basis and the pastarbitrator may award relief only on an individual (non-class, may currently exist or may arise in the futurenon-representative) basis. Disputes also include claims or disputes relating to the enforceability, validity, scope enforceability or interpretation of any of these arbitration provisions. Any questions about whether disputes are subject to arbitration shall be resolved by interpreting this arbitration provision in the broadest way the law will allow it to be enforced. All such disputes are referred subject to in this section as “Claims”. An exception to arbitration of Claims is that both you and we have the right to pursue a Claim in a small claims court instead of arbitration, if the Claim is in that court’s jurisdiction and proceeds on an individual basisno matter what legal theory they are based on, or what remedy (damages, or injunctive or declaratory relief) they seek. Claims Disputes include any unresolved claims concerning any services relating to Your Accounts. Disputes include not only claims made directly by You, but also made by anyone connected with You or disputes arising from your status claiming through You, such as a borrower under any loan agreement with joint account holder, account beneficiary, employee, representative, agent, predecessor or successor, heir, assignee, or trustee in bankruptcy. Disputes include not only claims that relate directly to the Credit Union Union, but also its parent, affiliates, successors, assignees, employees, and agents, and claims for which We may be directly or indirectly liable, even if We are also excluded from not properly named at the time the claim is made. Disputes include claims based on any theory of law, contract, statute, regulation, tort (including fraud or any intentional tort), or any other legal or equitable ground, and include claims asserted as counterclaims, cross-claims, third-party claims, interpleaders or otherwise; and claims made independently or with other claims. If party initiates a proceeding in court regarding a claim or dispute which is included under this Resolution of Disputes by Arbitration provision. No Class Action or Joinder , the other party may elect to proceed in arbitration pursuant to this Resolution of Parties. YOU ACKNOWLEDGE THAT YOU AND WE AGREE THAT NO CLASS ACTION, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER PROCEEDING WHERE SOMEONE ACTS IN A REPRESENTATIVE CAPACITY, MAY BE PURSUED IN ANY ARBITRATION OR IN ANY COURT PROCEEDING, REGARDLESS OF WHEN THE CLAIM OR CAUSE OF ACTION AROSE OR ACCRUED, OR WHEN THE ALLEGATIONS OR FACTS UNDERLYING THE CLAIM OR CAUSE OF ACTIONDisputes by Arbitration provision.

Disputes Covered by Arbitration. Claims You acknowledge that in arbitration there will be no right to a jury trial. Any claim or disputes between you and us dispute relating to or arising out of your Accounts or relating to your Account(s), transactions involving your Account(s), safe deposit box, and any related service with us are subject to arbitration. Any claims or disputes arising from or relating to this agreement, any prior account agreement between us, or the advertising, the application for, or the approval or establishment of your account are also included. Claims are our relationship will be subject to arbitration, regardless of what theory they are based on whether that dispute arose before or whether they seek legal after your receipt of this notice. Disputes include claims made as part of a class action, private attorney general or equitable remedies. Arbitration applies other representative action, it being expressly understood and agreed to any and all that the arbitration of such claims or disputesmust proceed on an individual (non-class, whether they arose in non-representative) basis and the pastarbitrator may award relief only on an individual (non-class, may currently exist or may arise in the futurenon-representative) basis. Disputes also include claims or disputes relating to the enforceability, validity, scope enforceability or interpretation of any of these arbitration provisions. Any questions about whether disputes are subject to arbitration shall be resolved by interpreting this arbitration provision in the broadest way the law will allow it to be enforced. All such disputes are referred subject to in this section as “Claims”. An exception to arbitration of Claims is that both you and we have the right to pursue a Claim in a small claims court instead of arbitration, if the Claim is in that court’s jurisdiction and proceeds on an individual basisno matter what legal theory they are based on, or what remedy (damages, or injunctive or declaratory relief) they seek. Claims Disputes include any unresolved claims concerning any services relating to your Accounts. Disputes include not only claims made directly by you, but also made by anyone connected with you or disputes arising from your status claiming through you, such as a borrower under any loan agreement with joint account holder, account beneficiary, employee representative, agent, predecessor or successor, heir, assignee, or trustee in bankruptcy. Disputes include not only claims that relate directly to the Credit Union Union, but also its parent, affiliates, successors, assignees, employees, and agents, and claims for which we may be directly or indirectly liable, even if we are also excluded from not properly named at the time the claim is made. Disputes include claims based on any theory of law, contract, statute, regulation, tort (including fraud or any intentional tort), or any other legal or equitable ground, and include claims asserted as counterclaims, cross-claims, third-party claims, interpleaders or otherwise; and claims made independently or with other claims. If a party initiates a proceeding in court regarding a claim or dispute which is included under this Resolution of Disputes by Arbitration provision, the other party may elect to proceed in arbitration pursuant to this Resolution of Disputes by Arbitration provision. No Class Action Disputes Excluded From Arbitration. Disputes filed by you or Joinder by us individually in a small claims court are not subject to arbitration, so long as the disputes remain in such court and advance only an individual (non-class, non-representative) claim for relief. However, if a matter in small claims court is removed, transferred, or appealed to a non-small claims court, that claim shall be subject to this Resolution of PartiesDisputes by Arbitration provision. YOU ACKNOWLEDGE THAT YOU AND WE AGREE THAT NO CLASS ACTIONDisputes filed by us related to the administration, CLASScollection or enforcement of our security interest in business credit transactions will also be excluded from arbitration. Commencing an Arbitration. The arbitration much be filed with the American Arbitration Association. If you initiate the arbitration, you must notify us in writing at: Truliant Federal Credit Union, Attn: Legal Department, 0000 Xxxxxxxx Xxx, Xxxxxxx-WIDE ARBITRATIONXxxxx, PRIVATE ATTORNEY GENERAL ACTIONXX 00000. If we initiate the arbitration, OR OTHER PROCEEDING WHERE SOMEONE ACTS IN A REPRESENTATIVE CAPACITYwe will notify you in writing at your last known address on file. You may obtain a copy of the arbitration rules, MAY BE PURSUED IN ANY ARBITRATION OR IN ANY COURT PROCEEDINGas well as additional information about initiating an arbitration by contacting the American Arbitration Association. The arbitration shall be conducted in the same city as the U.S. District Court closest to our headquarters, REGARDLESS OF WHEN THE CLAIM OR CAUSE OF ACTION AROSE OR ACCRUED, OR WHEN THE ALLEGATIONS OR FACTS UNDERLYING THE CLAIM OR CAUSE OF ACTIONunless the parties agree to a different location in writing.

Disputes Covered by Arbitration. Claims YOU ACKNOWLEDGE THAT IN ARBITRATION THERE WILL BE NO RIGHT TO A JURY TRIAL. Any claim or disputes between you and us dispute relating to or arising out of or relating to your Account(s), transactions involving your Account(s), safe deposit box, and any related service with us are subject to arbitration. Any claims or disputes arising from or relating to this agreement, any prior account agreement between usaccounts, or the advertising, the application for, or the approval or establishment of your account are also included. Claims are our relationship will be subject to arbitration, regardless of what theory they are based on whether that dispute or whether they seek legal the facts underlying or equitable remediesgiving rise to that dispute arose before or after your receipt of this notice. Arbitration applies Disputes include claims made as part of a class action, private attorney general or other representative action, it being expressly understood and agreed to any and all that the arbitration of such claims or disputesmust proceed on an individual (non- class, whether they arose in non-representative) basis and the pastarbitrator may award relief only on an individual (non-class, may currently exist or may arise in the futurenon- representative) basis. Disputes also include claims or disputes relating to the enforceability, validity, scope scope, or interpretation of any of these this arbitration provisionsprovision. Any questions about whether disputes are subject to arbitration shall be resolved by interpreting this arbitration provision in the broadest way the law will allow it to be enforced. All such disputes are referred subject to in this section as “Claims”. An exception to arbitration of Claims is that both you and we have the right to pursue a Claim in a small claims court instead of arbitration, if the Claim is in that court’s jurisdiction and proceeds on an individual basisno matter what legal theory they are based on, or what remedy (damages, or injunctive or declaratory relief) they seek. Claims Disputes include any unresolved claims concerning any services relating to your accounts. Disputes include not only claims made directly by you, but also made by anyone connected with you or disputes arising from your status claiming through you, such as a borrower under any loan agreement with joint account holder, account beneficiary, employee, representative, agent, predecessor or successor, heir, assignee, or trustee in bankruptcy. Disputes include not only claims that relate directly to the Credit Union Union, but also its parent, affiliates, successors, assignees, employees, and agents, and claims for which we may be directly or indirectly liable, even if we are also excluded from not properly named at the time the claim is made. Disputes include claims based on any theory of law, contract, statute, regulation, tort (including fraud or any intentional tort), or any other legal or equitable ground, and include claims asserted as counterclaims, crossclaims, third-party claims, interpleaders or otherwise; and claims made independently or with other claims. If party initiates a proceeding in court regarding a claim or dispute which is included under this Resolution of Disputes by Arbitration arbitration provision. No Class Action or Joinder of Parties. YOU ACKNOWLEDGE THAT YOU AND WE AGREE THAT NO CLASS ACTION, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER PROCEEDING WHERE SOMEONE ACTS IN A REPRESENTATIVE CAPACITY, MAY BE PURSUED IN ANY ARBITRATION OR IN ANY COURT PROCEEDING, REGARDLESS OF WHEN THE CLAIM OR CAUSE OF ACTION AROSE OR ACCRUED, OR WHEN THE ALLEGATIONS OR FACTS UNDERLYING THE CLAIM OR CAUSE OF ACTIONthe other party may elect to proceed in arbitration pursuant to this arbitration provision.

Disputes Covered by Arbitration. Claims YOU ACKNOWLEDGE THAT in arbitration THERE WILL BE NO RIGHT TO A JURY TRIAL. Any claim or disputes between you and us dispute relating to or arising out of your Accounts or relating to your Account(s), transactions involving your Account(s), safe deposit box, and any related service with us are subject to arbitration. Any claims or disputes arising from or relating to this agreement, any prior account agreement between us, or the advertising, the application for, or the approval or establishment of your account are also included. Claims are our relationship will be subject to arbitration, regardless of what theory they are based on whether that dispute arose before or whether they seek legal after your receipt of this notice. Disputes include claims made as part of a class action, private attorney general or equitable remedies. Arbitration applies other representative action, it being expressly understood and agreed to any and all that the arbitration of such claims or disputesmust proceed on an individual (non-class, whether they arose in non-representative) basis and the pastarbitrator may award relief only on an individual (non-class, may currently exist or may arise in the futurenon-representative) basis. Disputes also include claims or disputes relating to the enforceability, validity, scope enforceability or interpretation of any of these arbitration provisions. Any questions about whether disputes are subject to arbitration shall be resolved by interpreting this arbitration provision in the broadest way the law will allow it to be enforced. All such disputes are referred subject to in this section as “Claims”. An exception to arbitration of Claims is that both you and we have the right to pursue a Claim in a small claims court instead of arbitration, if the Claim is in that court’s jurisdiction and proceeds on an individual basisno matter what legal theory they are based on, or what remedy (damages, or injunctive or declaratory relief) they seek. Claims Disputes include any unresolved claims concerning any services relating to your Accounts. Disputes include not only claims made directly by you, but also made by anyone connected with you or disputes arising from your status claiming through you, such as a borrower under any loan agreement with joint account holder, account beneficiary, employee, representative, agent, predecessor or successor, heir, assignee, or trustee in bankruptcy. Disputes include not only claims that relate directly to the Credit Union Union, but also its affiliates, successors, assignees, officers, directors, employees, and agents, and claims for which we may be directly or indirectly liable, even if we are also excluded from not properly named at the time the claim is made. Disputes include claims based on any theory of law, contract, statute, regulation, tort (including fraud or any intentional tort), or any other legal or equitable ground, and include claims asserted as counterclaims, cross-claims, third-party claims, interpleaders or otherwise; and claims made independently or with other claims. If party initiates a proceeding in court regarding a claim or dispute which is included under this Resolution of Disputes by Arbitration provision. No Class Action or Joinder , the other party may elect to proceed in arbitration pursuant to this Resolution of Parties. YOU ACKNOWLEDGE THAT YOU AND WE AGREE THAT NO CLASS ACTION, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER PROCEEDING WHERE SOMEONE ACTS IN A REPRESENTATIVE CAPACITY, MAY BE PURSUED IN ANY ARBITRATION OR IN ANY COURT PROCEEDING, REGARDLESS OF WHEN THE CLAIM OR CAUSE OF ACTION AROSE OR ACCRUED, OR WHEN THE ALLEGATIONS OR FACTS UNDERLYING THE CLAIM OR CAUSE OF ACTIONDisputes by Arbitration provision.