and (iv) Claims that could have been asserted as part of a class action, private attorney general or other collective, consolidated, or representative action, it being expressly understood and agreed to that the arbitration of such claims must proceed solely on an individual (non-class and non-representative) basis and the arbitrator shall have the authority to award relief only on an individual (non-class and non-representative) basis. YOU AND WE AGREE THAT NO CLASS ACTION, COLLECTIVE ACTION, CONSOLIDATED ACTION, PRIVATE ATTORNEY GENERAL OR OTHER REPRESENTATIVE CLAIMS MAY BE PURSUED IN ARBITRATION, NOR MAY SUCH ACTIONS BE PURSUED IN COURT. BY ACCEPTING THIS ARBITRATION AGREEMENT, YOU AND WE AGREE TO WAIVE THE RIGHT TO INITIATE OR PARTICIPATE IN A CLASS ACTION, REPRESENTATIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR COLLECTIVE OR CONSOLIDATED ACTION OF ANY KIND.</p> <p> <b>