ns is a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives on the government-mandated rate in effect for the applicable central processing date. A one percent (1%) n You received an Account from another party, ePassporte issued a Wallet to You free of charge. If You had an existing Account, a Wallet was added to Your Account at no additional cost. To use Your Wallet, You must enter Your Account User ID and password. You can load funds onto tto any legal or equitable right, remedy or claim under or in respect to this Agreement. This Agreement and all representations, warranties, covenants, conditions and provisions hereof are intended to be and are for the exclusive benefit of You and Us. We do not give upaken place in the previous thirty (30) days. If You no longer consent to receive Your online Account statement electronically, We reserve the right to terminate and/or close Your Account as provided above in Part X. You may also call Our Account Hoedit or debit card account by a Direct Credit Transfer, Your Account will be charged a fee of US$5.00 for any amount transferred up to US$500, and one percent (1%) of the amount if the amount is above US$500. ii. Personal Checking Account Transfers. You may transfer funds available in Your Account to Your personal checking account by wire transfer, and by ACH transfer if ted any additional fees for this new card and, at minimum, this card will provide You with all of the functionality on Your old Card. Use of all Cards associated with Your Account is subject to all applicable 16-digit card number, a CVV2, and the expiration date of Your Card. Your Visa Electron Card 16-digit card number will not be the same as Your Visa Virtual Account Number, however they will have the same expiration d Fee when You have reloaded sufficient funds into Your Account. Unless otherwise expressly provided herein, no Fees hereunder are refundable at any time or for any reason. XII. AUTHORIZATIONS Each time that You use Us with additional personal information, solely determined by Us, in order for Us to change Your email address. (7) Acceptance of Terms and Conditions: Your first use of Your Controlled Gift Card Account is Your acceptaurs: (i) a settlement transaction is received from the merchant or ATM that matches the pending authorization amount; (ii) up to thirty five (35) days have passed since the transaction date; or (iii) We are in receipt of an authorization r Holders may subsequently load funds to Your Account through P2P transfers. You may not make additional loads to Your Account via credit or debit card, ACH, or any other method. (3) Transfers of Funds: i. P2P Transfers. You cannot transfer funds to any card but on that replacement anniversary You will not be charged a Visa Electron Card Annual Service Fee. B. ePassporte Account Service Fees (1) Account Load/Re-load Service Fee. i. Credit or Debit Card: Anytime You add funds to You to provide certain personal documentation as determined solely by Us. (3) Transfers of Funds: i. P2P Transfers. You may only make and receive P2P transfers to and from the Account Holder that purchased Your Contdit 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 - 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. Dailin error, We will immediately refund the available funds to the sender. vi. Should We determine in Our sole discretion that an Account Holder has received funds through fraudulent P2P transfllowed to make Direct Credit Transfers to these countries. (4) Usage Limits: The limits that will apply to Your Sponsor Controlled Affiliate Account, will be set by Your Sponsor Business Account. These limits can be found when You log into Your Acnsfers 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 ensure that goods or ses by a P2P transfer of funds by Your Sponsor Business Account. The Sponsor Business Account and other ePassporte Business Account Holders may subsequently load funds to Your Account through P2P transfers. You may not make additional loads to Your Account via credit or debit card, ACH, or aform at a Visa merchant or at an ATM. This total fee may be up to three percent (3%) of the transaction value. We reserve the right to change, modify or increase the above Fees and/or Account Service Fees from time to time without notice. Any such changes, moet 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 and maximize the protecti 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 hereunder, or (ii) 30 days following notice. If Our Products or Services or anyu want to increase any of the above limits on Your Standard Gift Card Account, You will be required to provide additional 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 emails and other communications relating to Your Account, including the terms and conditions of this Agreement governing Your use of Our Products and Services, Our Privacy Policy, any future amendments, correspondence and communications concerain cash or a balance inquiry from Your Account. This fee will be assessed at the time of the transaction, and is in addition to the fee charged by the owner of the ATM. (12) Wire Transfer Fee. i. trolled Gift Card Account because You are located in a High Risk 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 proy delays in the funds being credited to Your bank account. We are also not responsible for any fees that may be charged by Your bank or by any intermediate bank or processing organization for processing Your ACH transferd Your Controlled Gift Card on Your behalf. ii. Personal Checking Account Transfers. 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