Any dispute arising out of, resulting from or in connection with this application for credit; the grant or denial of credit; compliance with any federal or state rule or regulation concerning non-public information disclosures, credit inquiries and/ or notifications of credit rejection; use of dissemination of credit information to third persons; or any other matters directly or indirectly related to or resulting from this application for credit; shall be resolved by binding arbitration in accordance with the American Arbitration Association’s Commercial Rules or Consumer Protocol (depending on the amount and nature of the dispute in controversy). The applicant(s) herein hereby waive any right that he/she/they might have to resolve any such dispute(s) through litigation by judge or jury.

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