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We could alter or terminate this Agreement with no notice at our discretion or to comply with any proper federal or state law or regulation. We have the proper to set-off any liability, direct or contingent, previous, present or future that you owe against any account you have with us. This implies that we can take any funds in you Dave Spending Account or any other account you have with us to spend any debt or liability you owe us. You acknowledge that this safety interest is consensual and in addition to any ideal of set-off. You waive any conditions or limits to our ideal of set-off to the maximum extent permitted by law. We will notify you if we exercising our proper to set-off if essential by law.

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