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Neither you nor LTD may work as a class agent or private attorney general, nor engage as an associate of a course of claimants, pertaining to any Claim.

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The LTD will pay as much of the administrative costs and arbitrator’s fees required for the arbitration as the arbitrator deems necessary to prevent the cost of the arbitration from being prohibitive if you demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation....
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