g the ePassporte Products and/or Services. II. ELIGIBLE USERS The Products and Services are sold only to individuals who are of legal age and who are capable of forming legally binding contracts under applicable law. We may, in Our sole discretion, at any time, refuse to allow You to purchase, fund or in the terms of this Agreement, You must pay reasonable attorneys" fees and other costs of the proceedings. Your responsibility for fees and costs shall in no event exceed the maximum allowed by law. Neither We nor the Bank will be li funds added to Your Account by Demand Draft will not become available for Your use until the transfer clears Your bank or seven (7) business days, whichever is later. The minimum value that may be added to Your Account at any time is US$25. Wfor use of the P2P Service to transfer funds to another Account Holder (other than a merchant) will be US$0.30 per transaction for the first five (5) transactions per day, and then US$1 per transaction for each subsequent transaction iniii. Daily withdrawal limit by Direct Credit Transfer - US$300 (5) Modification of Account Limits: Should You want to increase any of the above limits on Your Controlled Gift Card Account, You will be required to provide additional personal documentation to Us as We may solely determineutomatically renew every twenty-four (24) months. We will notify You about the renewal of Your Account at least once prior to renewal. We will charge Your Account all applicable fees, as set forth in Part XI below, upon each annual anniversary and upon renewal of Your Account. X. CLO 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 the right to prohibit actron Card transaction limit - 10 v. Standard daily ATM withdrawal limit - US$300 vi. Standard daily ATM transaction limit - 2 vii. Daily load limit by credit and/or debit card - US$500 viii. Daily load transaction limit for credit and/or debit card - 5 ix. Daily load limit by Demand Draft - US$500 x. Daily Demand Draft transac Anytime You make a balance inquiry, or add funds to Your Account or transfer funds to another Account Holder via Our text message functionality, We will charge Your Account US$0.50. This Text Message Fee will be charged in addition tu 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 disclose information about You and/ and of any funds transfers You can make or receive daily or within any other period of time of Our choice from or to Your Account. All P2P transactions will be subject to Our P2P service fees. We neither accept nor assume any liability to ensly investigate Your complaint or question and will correct any error made by Us. XIX. DISPUTE RESOLUTION A. P2P Transactions. i. P2P TRANSACTIONS ARE LIKE SENDING CASH. We are not liable for any P2P transaction unless it is deter You use the ePassporte Products or Services, whether You purchased the ePassporte Products or Services from ePassporte or from another party, or if You received the ePassporte Products or Services from any other partFAILURE TO COMPLETE TRANSACTIONS We accept no liability for failing to complete any transaction for which You have not loaded sufficient funds into Your Account. We are not responsible if You do not have enough funds in Your Account to complete a particular transa longer offers Controlled Personal Accounts for sale. If You currently have a Controlled Personal Account, You remain subject to the terms and conditions of this Agreement described in this Part IV, Section B. A. Standard Personal Accounts A Standard Persoss. B. Controlled Personal Accounts A Controlled Personal Account is an Account that was purchased by You, based on Your country of residence, which We have determined to be a High Risk Country. Your Controlled Personal Account is for Your personaant information which You agree to keep confidential in order to prevent others from using Your Account without Your authorization. Specifically, under this Agreement and for Your protection, You agree: * not to disclose Your Account User ID or password or, if applicable, Your PIN, or otherwiYour Visa and/or MasterCard credit or debit cards by submitting to Us a copy of Your current driver's license or passport, and a copy of the front and back of the Visa and/or MasterCard credit or debit card You wish to or increases will be effective upon posting such changes, modifications or increases in a revision to this Agreement on Our website at www.epassporte.com.. If You do not agree to the posted changes, modifications or increases, You may itting to Us a copy of Your current driver's license or passport, and a copy of the front and back of the Visa and/or MasterCard credit or debit card You wish to use. Some countries, designated by Visa, MasterCard or the specific couin addition to the Fees We may charge You as specified below in Part XI. Funds added to Your Account will become available for use immediately upon actual transfer subject to Parts IV.A.(3), IV.B.(3), V.A.(3), VI.A.(3) balance. XVII. LOSS OF OR UNAUTHORIZED USE OF YOUR EPASSPORTE ACCOUNT YOU ARE RESONSIBLE FOR ALL USES OF YOUR ACCOUNT. YOU UNDERSTAND AND AGREE THAT YOUR ACCOUNT IS NOT A CREDIT CARD ACCOUNT AND IS NOT PROTECTED BY LAWS COVERING CREDITVirtual Account and the Visa Electron Card issued by Bank under a co-branding agreement between the Bank and ePassporte and sold by ePassporte. "Visa" means Visa International and any of its regional organizations. "MasterCard" means MasterCard International and any of its regional organi (3) Transfers of Funds: i. P2P Transfers. You will be required to wait three (3) days after You have received Your Standard Gift Card Account to be able to make P2P transfers of funds. After the thride Us (i) a photocopy of a valid government-issued Identification Document with Your picture on it, (ii) photocopies of the front and back of the credit card or debit card which was last used to add funds to Your Account, and (iii) other doc on Your Account. XIV. FAILURE TO COMPLETE TRANSACTIONS We accept no liability for failing to complete any transaction for which You have not loaded sufficient funds into Your Account. We are not responsible if You do not have enough funds in Your Acllowing Our request to You, We reserve the right in Our sole discretion to block Your Account or close Your Account as provided below in Part X. You may become eligible to add funds to Your Account on a recurring periodi10 iii. Visa Electron Card per transaction maximum amount - US$500 iv. Daily Visa Electron Card transaction limit - 10 v. Standard daily ATM withdrawal limit - US$300 vi. Standard daily ATM transaction limit - 2 vii. Daily load limit by credit and/or debit card - US$500 viii. Daily load transaction limit for credit igh Risk Countries and if We do so, all rules in this Agreement pertaining to countries which are not designated High Risk Countries by Us will apply to the country that has been removed. 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