isa Electron Card, CVV2(s), Account User ID and password and, PIN only in a manner authorized under the terms and conditions of this Agreement; and, * to promptly notify Us of any loss, compromise or theft of Your Account, Your Visaft Reload is rejected because there are insufficient funds in Your US bank account, or if Your Demand Draft Reload is rejected for any other reason or We are unable to complete Your Demand Draft Reload for any reason, We may charge Your sustained by You. XXII. CHANGE OF TERMS, NOTICES Except as otherwise provided by law, We may at any time change the terms and conditions of this Agreement or any policies or terms of sepresentations, warranties, covenants, conditions and provisions hereof are intended to be and are for the exclusive benefit of You and Us. We do not give up Our rights by delaying or failing to exercise them at any time. n limit - 2 ix. Daily withdrawal limit by ACH - US$300 x. Daily Direct Credit Transfer transaction limit - 1 xi. 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 Personal Account, You will be required to provid, war, civil commotion, labor disputes, equipment failures, bank failures, Card Association failures, strikes, fire, flood, earthquake or other casualty, shortages of labor or material, government regulation or restriction,rd - US$500 (subject to the conditions in this Section B(2) above.) x. Daily load transaction limit for credit and/or debit card - 5, (subject to the conditions in this Section B(2) above.) xi. Daily withdrawal limit by ACH - US$300 xii. Daily Direct Credit Transfer transaction limit - 1 xiii. cannot log into Your Account to change Your email address, We will require You to provide Us with additional personal identification information, solely determined by Us, in order for Us to change Your email address. B. Contro Account at certain Internet merchant websites that accept Visa. You may fund Your Visa Virtual Account with money in Your Wallet, or You may choose to load funds directly onto Your Visa Virtual Account using Your debit or credit card or Yorect Credit Transfer, Our vendor may perform the currency conversion necessary to credit the funds to Your Visa or MasterCard credit or debit card. The conversion rate is set by them and will reflect currency conversion rates in effect by the international banks at that ction unless it is determined in Our sole discretion that an error had been made by Our systems. ii.. If You believe that a problem has occurred with a P2P transaction that You os. We do not give up Our rights by delaying or failing to exercise them at any time. If any term of this Agreement is found by a court of competent jurisdiction to be illegal or not enforceable, all other terms will remain in effect. If Weift Card Accounts, and from Standard Personal Accounts, and to a Controlled Gift Card Account if You purchased that Controlled Gift Card Account. ii. Personal Checking Account Transfers. You may transfer funds to Your personal checking account from Your Sta by these intermediate banks and Your bank. These fees may be deducted by these banks from the wire transfer amount, and if that happens, You will receive less than the amount that We originme period, We will attempt to resolve the dispute with the merchant(s), and/or ATM owner and/or individual(s), in accordance with the relevant Visa International regulations in force at the time of Your transaction. If You are e Your Wallet, Your Visa Virtual Account, and if applicable, Your Visa Electron Card will be subject to the terms and conditions of this Agreement described in this Section A. (1) Account Purchases: You cannot purchaseditional personal documentation to Us as We may solely determine. All limit increases will be subject to Our approval. (6) Email Address: If You cannot log into Your Account to change Your email address, We will require You to provide Us with additional persour personal checking account from Your Standard Affiliate Account by wire transfer, and 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 e24) hour period ("Standard ATM Limits"). While Your Standard ATM Limits are active, You are protected against unauthorized ATM transactions up to US$300, per day. Your ePassporte Account may have been previously approved for higher daily ATM withYour Account for the reason identified in this Section B(i) and/or this Section B(ii), You immediately forfeit the remaining funds in Your Account. XI. FEES The following fees apply to Your Account. We will dedUs, in order for Us to change Your email address. V. GIFT CARD ACCOUNTS ePassporte offers two types of Gift Card Accounts that may be purchased by an ePassporte Account Holder for a third party: (i) Standard Gift Card Accounts; and (ii) Controhat accept Visa at Our sole discretion. As an increased security measure against unauthorized ATM transactions, all Visa Electron Cards have been enrolled in ePassporte"s ATM Protection Program. Your Visa Electron Card will have a standard daily ATM withdNG TO YOUR EPASSPORTE ACCOUNT, HOW TO DISPUTE ERRORS If You need more information about a transaction shown on Your online Account statement, or if You think there is an error on Your online Account statement, You may contact Us viaur personal checking account from Your Standard Affiliate Account by wire transfer, and 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 effour Visa Virtual Account has insufficient funds for the transfer, the P2P transfer will be denied and You must load additional funds into Your Wallet. We reserve the right, in Our sole discretion, to limit the number and/or individual trans the right to terminate and/or close Your Account as provided above in Part X. You may also call Our Account Holder Services Center at +1.310.301.2001 to obtain information on Your Account. XIV. FAILURE TO COMPLETE TRANSACTIONS We accept no 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 (subject to the conditions in this Section B(2) above.) x. Daily load transaction limit for credit and/or der Demand Draft Reload is rejected for any other reason or We are unable to complete Your Demand Draft Reload for any reason, We may charge Your Account a Demand Draft Return Service Fee (bounced check fee) of up to US$30. If Your Demand Drafty regulations in the country where Your credit/debit card was issued or the internal policies of Your bank may not allow funds to be credited to Your personal credit/debit card. The funds Youmake a purchase at a merchant or a cash withdrawal from an ATM, We receive an authorization from the merchant or ATM provider which reduces the amount of funds in Your Account that are available to spend by the amount of the authorized purchase or ATM withdrawal. This is a pending authorization andt use of Our Products and Services following the posting of any changes or revisions to the terms of this Agreement will constitute Your acceptance of changes or revisions. 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