w funds from Your Wallet to a U.S. checking account, and You may withdraw funds via bank wire transfers. These services will be subject to all applicable fees, as listed in this Agreement. The Wallet is designed to enhance security e goods or services at any merchant worldwide that has the ability to accept Visa cards by swiping the magnetic stripe on the card and allowing You to either enter Your PIN on a PIN-pad or sign the transaction receipt; (c) using the funds in Your Wallted in the United States. All fund loads will be subject to all applicable fees in Part XI of these Terms and Conditions. (3) Transfers of Funds: i. P2P Transfers. You will be required to wait three (3) days after Yo iii. Direct Credit Transfers. You may transfer funds by a Direct Credit Transfer to Your personal Visa and/or MasterCard credit or debit cards, which you have authenticated on Our system by one or more ofk access to or to close Your Account if: (i) You load funds onto Your Account from any source that You do not have the legal right from which to transfer funds; (ii) You violate the terms and conditions of this Agreement; or (iii) We are so directed by the order funds in Your Account, any Card(s) associated with Your Account, or any of Our Products and Services have been, are being, or may be used as payment for an illegal purchase or for any other illegal purpose, then We shall have tbit card to whom You sent the funds. In this case, We neither assume nor accept any liability for funds that You cannot recover from the recipient. XX. PRIVACY The circumstances under which We will disclosYou subsequently return to Us the old Visa Electron Card, We will refund the Visa Electron Card Re-Issuance Fee to Your Account upon Our receipt of the old Visa Electron Card. (6) Visa Electron Card Replacards, as provided in this Agreement. Your Standard Personal Account will consist of a Visa Virtual Account and a Wallet, and if purchased by You, a Visa Electron Card. Your Standard Personal Account will be subject to the terms and conditions of this Agreily load transaction limit for credit and/or debit card - 5 xi. Daily load limit by Demand Draft - US$500 xii. Daily Demand Draft transaction limit - 5 xiii. Daily withdrawal limit by ACH - US$300 xiv. Daily Direct Credit Transfer transaction limit - 1 xv. Daily withdrawal limit by Directnt and other ePassporte Business Accounts. ii. Personal Checking Account Transfers. You may transfer funds to Your personal checking account from Your Sponsor Controlled Affiliate Account by wire trard Affiliate Account through personal Visa and/or MasterCard credit and debit cards, and Demand Draft transfers from banks located in the United States of America. Personal Visa and/or MasterCard credit and debit cards used to load YoControlled Affiliate Account, You must provide a written request to ePassporte. We reserve the right to approve or disapprove this limit change request at Our sole discretion. (6) Email Address: If You cannot log into Your Account to change Your email address, We will require Youness Account owner. "Day" means the twenty-four (24) hour period running from 12:00 a.m. Pacific Time on one calendar day to 12:00 a.m. Pacific Time (Greenwich Mean Time minus 8 hours) on the next calendar day, unless otherwise specified. "Direct Credit Transfer" means a transfovided to You, including but not limited to the Peer-to-Peer Service (also known herein as "P2P"). "User ID" means the letters and characters chosen by an ePassporte Account Holder to identify their Account. "Verified By Visa" and "SecureCode" mean the respective Visa and MasterCard ig Account Reloads"). Should You become eligible for and elect to authorize Us to perform Recurring Account Reloads ("Your Election"), by this Agreement You agree that We shall be authorized to continue to perform Recurring Account Reloads, in theACE IN YOUR ACCOUNT WILL BE HELD IN EITHER YOUR WALLET OR VISA VIRTUAL ACCOUNT ACCORDING TO YOUR PREFERENCE. F. The ePassporte Peer-to-Peer Service Subject to the conditions and limitations in this Agreement, Oer via Our text message functionality, We will charge Your Account US$0.50. This Text Message Fee will be charged in addition to any other fees We may charge as specified in this Part XI. (8) Account Closing Service Fee. If Yoisk Country. Your Account is subject to the restrictions described in this Section B. Your Controlled Gift Card Account is for Your personal use and can be used to purchase goods and/or services, as provided in this Agreement. Your Wallet, Visse and/or load any other Account. All purchase and funds load transactions effected on Your Visa and/or MasterCard credit and debit cards must be authenticated by one or more of the following methods; (i) ePVerify; (ii) Verified by Visa; (iii) SecureCode; or transaction limit - 10 v. Visa Electron Card per transaction maximum amount - US$500 vi. Daily Visa Electron Card transaction limit - 10 vii. Standard daily ATM withdrawal limit - US$300 viii. Standard daily ATM transaction limit - 2 ix. Daily load limit by credit and/or debit card - US$500 x. Dailiction to be illegal or not enforceable, all other terms will remain in effect. If We take legal action against You because of default in the terms of this Agreement, You must pay reasonable attorneys" fees andn also be used to withdraw available funds from Your Account at any ATM bearing the Visa or Plus logos by swiping the magnetic stripe on the card and entering Your PIN. Notwithstanding the above regarding acceptance of Your Visa Electron Card, We reserve theur 16-digit card number, CVV2, and the expiration date of Your Visa Virtual Account, which will also be the expiration date of Your Account. The Visa Virtual Account is a proprietary form of Visa debit card. Please note that Your Visa Virtual Acc or theft of Your Account, Your Visa Virtual Account and Visa Electron Card number(s), CVV2(s), Account User ID , password and/or PIN; and, * that You will be liable for all transactions made by a person You authorize or permit to use Yous. ii. Personal Checking Account Transfers. You may transfer funds to Your personal checking account from Your Sponsor Controlled Affiliate Account by wire transfer, and by ACH transfer if the checkingthis card will provide You with all of the functionality on Your old Card. 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