Member Services Agreement - NASA Federal Credit Union

8. Severability. If any part of this Agreement or its application to anyperson or circumstance is declared void, illegal, or unenforceable, therest of this Agreement is still valid and enforceable.9. Governing Law and Waiver. This Agreement is governed byand construed in accordance with federal law. In addition, exceptas expressly stated otherwise in this Agreement or as required byapplicable law, and to the extent not inconsistent with federal law,this Agreement is governed by the internal laws of Maryland. Noterm of this Agreement is waived by us unless the waiver is in writingsigned by us. Our failure to insist upon your strict performance of anyterm of this Agreement is not a waiver of the term. Mere lapse of timeis not a waiver of any breach of this Agreement. Our waiver of anybreach does not affect our right to enforce any of our rights later anddoes not modify this Agreement. You and we agree to waive theright to a jury trial in any dispute concerning an account.10. Assignment. We may assign or delegate any of our rights orobligations under this Agreement to others. Neither your rights andobligations nor any account may be assigned or transferred withoutour written consent.11. Use of Eastern Standard/Daylight Time. In this Agreement, allreferences to specific times are to Eastern Standard or Daylight Time,as applicable.12. Collection Expenses. You will pay any losses, costs, and expenses,including our internal costs, costs to prepare or respond to legalpapers, attorneys’ fees, and costs of litigation, that we incur: inresponding to any legal proceeding relating to you or your account; inconnection with a dispute among owners or signers or resulting fromsuspicious activity; if we must take legal action to collect amounts youowe us; or as a result of any dispute. This includes disputes betweenyou and us and situations where we become involved in a disputebetween you and an authorized signer or a third party claiming aninterest in the account. It also includes situations where you or a thirdparty take action with respect to the account that causes us to seekthe advice of counsel, whether or not we actually become involved inthe dispute. We may charge such losses, costs, and expenses to youraccount without prior notice. If there are insufficient funds in youraccount, you are liable for the balance.13. New Services. We may incorporate new options into any of theServices. By using a new option, you agree to be bound by the rulesconcerning that option.7