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Arbitration applies to any and all such claims or disputes, whether or not they arose in the past, may possibly at the moment exist, or may well arise in the future. In the event that FDIC deposit insurance payments turn out to be essential, payments of deposits will be produced to us as your custodian. There is no distinct time period through which the FDIC must make insurance payments accessible. We will not be obligated to credit your account with funds in advance of payments received from the FDIC. You agree that deposits and withdrawals of your funds made right after a adjust to the Bank List will take place as described under below "Deposit Procedures" and "Withdrawal Procedures," respectively.

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