The provisions of this section apply only to electronic money transfers (EFTs) that debit or credit a consumer cheque, savings account or other asset account and are subject to Regulation E, which implements the Federal Electronic Money Transfers Act. The terms and conditions that apply to EFTs that debit or credit a brokerage account can be found in your brokerage account agreement, not in this agreement. If you breach any of the terms of this Agreement (including failure to pay fees in accordance with any applicable fee schedule) or any other agreement you have entered into with us, you agree that we may suspend or terminate your access to any of your eligible online financial accounts and services. We have no obligation to restore or reactivate your access. Financing fees (such as interest and transaction fees) may apply to bill payments funded by a credit account. These fees will be indicated to you during the payment planning process. For more information, see your credit account agreement and all written disclosure statements. This arbitration clause constitutes the entire agreement between you and us and supersedes all prior agreements and other dispute resolution notices.