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YOU AND UCB Agree to ARBITRATE IN A Remaining BINDNG Manner PURSUANT TO THE FEDERAL ARBITRATION ACT AND ADMINISTERED BY THE AMERICAN ARBITRATION Association IN ACCORDANCE WITH ITS Industrial ARBITRATION Rules IN JEFFERSON COUNTY, TEXAS ALL CONTROVERSIES BETWEEN YOU AND UCB, IT’S Owners, REPRESENTATIVES OR Agents That can not be AMICABLY RESOLVED BY DIRECT NEGOTIATION OR Via PRE-ARBITRATION MEDIATION ARISING OUT OF OR RELATING IN ANY Way To these Phrases AND Circumstances OR ANY TRANSACTION WITH UCB, YOUR ACCOUNT, OR ANY SERVICE Offered BY UCB TO YOU. The decision to buy, promote, or borrow valuable metals, and which valuable metals to buy, borrow, or sell, are made at the customer’s sole discretion. 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