THE TERMS OF THE ARBITRATION PROVISION APPEAR AT ,THE END OF THIS AGREEMENT.,3,1.Getting Started,a.General. YourAccount is a deposit account.Money in your primary deposit account will ,not earn interest. Money in your Savings Account will earn interest as described herein. To ,open and use an Account, you must be 18 years of age or older and a citizen or lawfully ,residing in one of the 50 states of the United Statesand the District of Columbia,(collectively, the “U.S.”).