Applying for a new credit card? For more information on the application please refer to the document containing the prices and conditions of the offer for information on the interest rates, fees and charges in force. The terms and agreements that apply to your Chase Card will not change if you add your Chase Card to the wallet. The applicable Card Membership Agreement or account agreement that governs the Chase Card, as in effect, is inserted by reference under these Terms. Please read these agreements, where applicable, on important information about your rights and obligations when transacting through a wallet. The wallet simply offers you another opportunity to make purchases or other transactions with the Chase Card. Claims and remedies sought in a class action, private attorney general or other representative action are subject only to arbitration on an individual basis (non-collective, non-representative) and the arbitrator may only bring the action on an individual basis (non-collective, non-representative). . . .