with us All subsequent Accounts opened by you and/or subsequent Accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account is opened and/, or owners are added to the Account. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You also understand that when you agree to accept all documents electronically, you confirm that you have the ability to receive documents via the email address you provide, or you may log onto xxxxxx.xxxxxxxxxxxxxxx.xxx to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes to This Agreement We may change this Agreement at any time. We may add new terms, delete or amend existing terms, add new Accounts, and discontinue existing Accounts or services. When we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at xxxxxxxxxxxxxxx.xxx, for easy reference in the future. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change to the Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. We are not required to send you notice of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide notice. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your Account as provided in the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time to time in our sole discretion, subject to applicable law. You will be given advance notification of any change in terms to any of these agreements, schedules, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:
