We or the Bank choose another arbitration forum when the AAA suspends its activities. In the absence of this arbitration clause, you may have had the right or opportunity to argue a claim before a judge or jury and to participate in litigation brought by others (including class actions). You waive those rights and any rights you have must now be resolved through arbitration. All claims are subject to arbitration, regardless of their theory. These include claims based on contractual, unlawful acts (including intentional illegality), fraud, agency, negligence, legal or regulatory provisions or other sources of law. Claims and appeals brought in the context of a group action, a private lawyer or other representative remedy are subject to arbitration proceedings only on an individual basis (non-category and non-representative) and the arbitrator may grant discharge only on an individual basis (non-class, non-representative). Arbitration is made before a single arbitrator and is limited exclusively to the debt between you, on the one hand, and us or the bank, on the other. Arbitration or part of it is not consolidated by another arbitration and is not implemented on a collective action or class basis.