l such changes or revisions. If there are insufficient funds in Your Account to satisfy any Fees at the time any such Fee is assessed, We reserve the right to place a pending charge on Your Account and deduct such Fee when You hs. 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 transaction maximum amount - US$500 ii. Daily Wallet transaction limit er Account from Your Sponsor Controlled Affiliate Account. (2) Loading of Funds: The initial load of funds to Your Sponsor Controlled Affiliate Account was by a P2P transfer of funds by Your Sponsor Business Account. The Sponsor Business Account and other ePassal, becomes effective which substantially alters Our ability to perform services hereunder, We shall have the right to cancel this Agreement, with notice, if reasonably possible, effective upon the earlier of (i) the date upon which We are unable to provide Our customary services heansfer funds to another Account Holder, the amount of the transaction will be immediately deducted from Your Account balance. We will also deduct from Your Account balance all applicable Fees as specified below in Part XI. You are not allowed to exceed the funded balancucts or Services. III. EPASSPORTE ACCOUNTS, PRODUCTS, AND SERVICES A. ePassporte Accounts An ePassporte Account was opened for You at the time You purchased an Account, or when an Account was purchased for YoWe have determined to be a High Risk Country. Your Controlled Personal Account is for Your personal use, and may be used to purchase goods and services, as provided in the terms and conditions of this Agreement. The rights of Controlled Personal Account Holders are more limitedde on Your Account, except as otherwise provided in this Agreement. Should Your Account develop a negative balance due to delayed or erroneous posting of any transaction due to processing or operational errors, ePassporte reserves the absolute r transfer if Your checking account is in a bank in the United States of America, subject to the terms and conditions We have in effect at the time You request the transfer of funds. iii. Direct Credit Transfers. count 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 XI of these Terms and Conditions. (3) Transfers of Funds: i. P2P Transfers. You Your Sponsor Controlled Affiliate Account, will be set by Your Sponsor Business Account. These limits can be found when You log into Your Account at www.epassporte.com. i. Wallet per transaction maximum amount - Set by Sponsor ii. Dai applicable central processing date. A one percent (1%) International Service Assessment fee may be charged by Visa on all international transactions. XVI. DISPUTES, RETURNS AND REFUNDS You agree to attempt to first settle all dispute/or MasterCard credit or debit cards, which you have authenticated on Our system by one or more of the authentication methods described in Section V.A.(2). Some countries, Holder may purchase from Us for use at certain ATMs and certain retail merchants, which 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" mccount. You may use a personal Visa or MasterCard credit or debit card to load additional funds to Your Standard Gift Card Account. All funds load transactions effected on Your Visa and/or MasterCard credit and debit cards must be authenticated by one or more of the following meach Visa Electron Card purchased. (16) ACH Transfer Fee. If You send funds to Your bank account by an ACH transfer (Card Holders with a bank account in the United States of America only may use this service) Your Account will being in any way out of or related to the use of Your Account. 2. The total cumulative liability of Us and the Bank to You for any direct damages arising in any way out of or related to Your use of Your Account shall be limited to the total amount o total cumulative liability of Us and the Bank to You for any direct damages arising in any way out of or related to Your use of Your Account shall be limited to the total amount of funds in Your Account at the time of the loAccount is Your acceptance of the terms and conditions of this Agreement. VI. AFFILIATE ACCOUNTS ePassporte offers two types of Affiliate Accounts: (i) Standard Affiliate Accounts; and (ii) Sponsor Controlled Affiliate Accounts. "YOU" AND "YOU - 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. Daily load transaction limit for credit and/or debit card - 5 xi. Daily load limit by Demand Draft - Uand by ACH transfer if Your checking account is in a bank in the United States of America, subject to the terms and conditions We have in effect at the time You request the transfer of funds. iii. Direct Credit Transfers.arts IV through Part VI, You may add funds to Your Account by using a credit card, debit card, Demand Draft or, if and when offered by Us, by any other funding method which may be made available to You. You may add funds by one of these methods t funds via Your Visa Virtual Account and/or Visa Electron Card, You can ensure that funds in Your Account are safe in the event that Your Visa Virtual Account Number is compromised or Your Visa Electron Card is lost or or someone purchased a Visa Electron Card for You, We will mail Your Visa Electron Card to the address that was provided to Us. The Visa Electron Card will display Your name, a 16-digit card number, a CVV2, and the expiralute discretion, which are listed on Our website. We reserve the right to add other countries to the list of High Risk Countries and if We do so, all rules in this Agreement pertaining to High Risk Countries will apply to those newly designated High Risk Countries. We also reserve the right to remove col Account and a Visa Electron Card. You may use the Wallet to make purchases at Internet merchant websites wherever the ePassporte logo is displayed. Additionally, You may withdraw funds from Your Wallet to a U.S. checking escribed in this Section A. (1) Account Purchases: Subject to the terms and conditions of this Agreement, You may purchase and/or load Standard and Controlled Gift Card Accounts (see Part V) by a P2P funds transfer using funfollowing information: * Your name and Your Visa Virtual Account number and/or 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 explg Account Transfers. You may transfer funds to Your personal checking account from Your Controlled Personal Account by wire transfer, and by ACH transfer if Your checking account is in a bank in the U funding method ("Recurring 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 pesociated with Your Account, and all of Our Products and Services shall not be used as payment for an illegal transaction or for any other illegal purpose. 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