if the arbitrator issues you an award that is greater than the value of our last written settlement offer made before an arbitrator was selected -lrb- or if we did not make a settlement offer before an arbitrator was selected -rrb- , then we will pay you the amount of the award or usd 5,000 , whichever is greater , and pay your legal adviser , if any , the amount of legal fees incurred , and reimburse any expenses -lrb- including expert witness fees and costs -rrb- that you or your legal adviser reasonably accrue for investigating , preparing and pursuing your claim in arbitration .