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 to any other fet (48) hours of notification to the recipient, if the recipient agrees that the P2P transaction was made in error, and the funds are still available in the recipient"s Account, We will refund the available funds to theused at any merchant worldwide that has the ability to accept Visa cards. You can use Your Visa Electron Card by swiping the magnetic stripe on the card, and either entering Your PIN on a PIN pad or signing the transaction receipt. You may alee (3) hour periods. Please note that if You choose to deactivate the Standard ATM Limits, You agree to accept and assume full liability for all unauthorized ATM transactions while the Personal ATM Limits are activated. If You choose to opt-out of ATM Protection Prote Accounts: (i) Standard Affiliate Accounts; and (ii) Sponsor Controlled Affiliate Accounts. "YOU" AND "YOUR" IN THIS PART VI REFERS TO THE AFFILIATE ACCOUNT HOLDER, AND NOT THE THE PROVIDER/PURCHASER OF THE AFFILIATE ACCOUNT. A. Standard Affiliate Account Your Standareported lost or stolen, or if You request a replacement Visa Electron Card for any other reason after Your Visa Electron Card is activated, a Visa Electron Card Re-Issuance Fee of US$20 will be charged to Your Account each time We issuerect Credit Transfer to Your personal Visa and/or MasterCard credit or debit cards, which you have authenticated on Our system by one or more of the authentication methods described in Section VI.A.(2ecurring Account Reloads, in the amount You select at the time of Your Election, from the available funding method You select at the time of Your Election, and on the recurring periodic basis specified at the time of Your Election, without Your further consentor will meet Your satisfaction. C. The Visa Virtual Account You were issued a Visa Virtual Account when You purchased an Account, or when You received the Account from another party. Your Visa Virtual Account was delivered to You is linked to a Visa Virtual Account. "ePassporte Wallet" or "Wallet" means the virtual electronic purse provided free of charge to each ePassporte Account Holder. "ePVerify" means Our proprietary identity authentication system. "High Risk Countries" means (5). Visa Electron Card Re-Issuance Fee. If Your Visa Electron Card is reported lost or stolen, or if You request a replacement Visa Electron Card for any other reason after Your Visa Electron Card is activated, a Visa Eles to Your Account, You may use a credit and/or debit card provided that Your credit and/or debit card was approved prior to March 15th, 2006. You will be required to authenticate Your Visa or MasterCard credit or debit card by one or more or the following mt Transfers, and We have no control over the designation of those countries. You will not be allowed to make Direct Credit Transfers to these countries. (4) Usage Limits: The following limits apply to Your Standard Affiliate Account. i. Wallet per tray withdraw any remaining funds in Your Account by either: (a) using Your Visa Virtual Account to purchase goods or services at any Internet merchant website worldwide that accepts Visa; (b) using Your Visa Electraft Reload Service Fee. Anytime You reload funds to Your Account using funds in Your US bank account (a "Demand Draft Reload"), We will charge Your Account a Demand Draft Reload Service Fee of US$3.00. (3) Demransaction, but the transaction was rejected by Your bank due to policies outside of ePassporte's control. (18) Currency Conversion Fee. If You send funds by a Direct Credit Transfer, Our vendor may perform the currency converrsonal documentation as We may determine. You may also load funds onto Your Standard Gift Card Account by a Demand Draft transfer from a bank account located in the United States. All fund loads will be subject to all applicable fees in Part 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 of a court of competent jurisdiction. Should We close or block access to Yo Visa Electron Card number. * The name of the merchant as it appears in Your online Account statement. * A description of the error or the transaction You are unsure about and an explanation of why You believe it is an error or why You need more information in order o 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 identity authentication systems operated by Visa, MasterCard respectively, and tmay access Our online services by visiting Our website at www.epassporte.com and load additional funds into Your Account. The fee for loading additional funds into Your Account is listed above in Part XI. If You are uncertain as to thd are subject to the terms and conditions of this Agreement described in this Section B. (1) Account Purchases: You cannot purchase any other Account from Your Controlled Personal Account. (2) Loading of Funds: The only method that funds may be loade 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. 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