This Agreement to Arbitrate is governed by the Federal Arbitration Act (FAA) and the laws of Nevada to the extent the laws of Nevada do not conflict with the FAA. You agree that Arbitration may proceed with the American Arbitration Association (AAA) or, if we decide not to proceed with the AAA, arbitration must proceed with organization mutually agreed upon by the parties. The rules for the arbitration will be those in this Agreement to Arbitrate and the procedures of the chosen arbitration organization, but the rules in this Agreement to Arbitrate will be followed if there is disagreement between the Agreement to Arbitrate and the organization’s procedures. If the organization’s procedures change after the claim is filed, the procedures in effect when the claim was filed will apply. For a copy of the AAA’s procedures, to file a claim or for other information, please contact the AAA at 1101 Laurel Oak Rd., Suite 100, Voorhees, NJ 08043, www.adr.org, phone 1-800-778-7879. If AAA is completely unavailable, and if you and we cannot agree on a substitute, then either you or we may request that a court appoint a substitute.