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fers can be made electronically by You to other Account Holders, or by other Account Holders to You. If You are trying to transfer funds to another Account Holder and there are insufficient funds on Your Wallet, We will automatically transfer available funds on Your Visa Virtual Accountions in this Agreement, Our P2P Service can be used to effect secure, online Account-to-Account funds transfers over the Internet using the funds in Your Wallet. Funds transfers can be made electronically by You to other Account Holders, or by other Account Holders00 xii. Daily Demand Draft transaction limit - 5 xiii. Daily withdrawal limit by ACH - US$300 xiv. Daily Direct Credit Transfer transaction limit - 1 xv. Daily withdrawal limit by Direct Credit Transfer - US$300 (5) Modification of Limits: Should You want to increases to Your personal checking account if it is located in the United States of America or (e) using Your Visa Electron Card to withdraw funds at any ATM bearing the Visa or Plus logos. You may also receive any remaining funds in Your Account by prounts; and (ii) Controlled Gift Card Accounts. "YOU" AND "YOUR" IN THIS PART V REFERS TO THE GIFT CARD ACCOUNT HOLDER AND NOT TO THE PURCHASER OF THE GIFT CARD ACCOUNT. A. Standard Gift Card Accounts Your Standard Gift Card Account has been purchased foYOU WILL NEVER BE ASKED BY US, WHETHER BY VIA EMAIL, REGULAR MAIL OR TELEPHONE, FOR ANY REASON, TO DISCLOSE YOUR ACCOUNT PASSWORD OR PIN. INQUIRIES BY US ASKING YOU TO PROVIDE YOUR ACCOUNT PASSWORD AND/OR PIN WILLfees We may charge as specified in this Part XI. (8) Account Closing Service Fee. If Your Account is closed by Us subject to the conditions in Part X(B) and there are funds remaining in Your Account, We reserve the absolute riServices Center at +1.310.301.2001. You may also write to Us at: ePassporte, N.V., c/o United International Trust N.V., Landhuis Joonchi, Kaya Richard J. Beaujon z/n, P.O. Box 837, Willemstad, Curacao, Netherlands Antilles. When You contacAccount can be used at any Internet merchant website throughout the world that accepts Visa. To use Your Visa Virtual Account, provide Your 16-digit card number, CVV2, if applicable, and expiration date to the Inter as the only method of refund. We accept no liability to ensure that goods or services that You purchase through any transaction will meet Your satisfaction. You are responsible for all transactions made on Your Account, exto Your Standard Affiliate Account. i. Wallet per transaction maximum amount - US$500 ii. Daily Wallet transaction limit - 10 iii. Visa Virtual Account per transaction maximum amount - US$500 ii. Daily Visa Virtual Account transaction limion. If a transaction is denied because of insufficient funds in Your Account, You may 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 Accountre funds in Your Account to You. This fee will be charged to Your Account prior to the wire being sent. ii. In addition, intermediate banks and Your bank may chd/or services, as provided in this Agreement. Your Wallet, Visa Virtual Account and, if applicable, Your Visa Electron Card are subject to the terms and conditions of this Agreement described in this Section B. (1) Accountonal Visa and/or MasterCard credit or debit card, which must be authenticated by one or more of the following methods; (i) ePVerify; (ii) Verified by Visa; (iii) SecureCode; or (iv) Our manual process which will require You to provide certar Sponsor Controlled Affiliate Account, You must provide a written request to ePassporte. We reserve the right to approve or disapprove this limit change request at Our sole discretion. (6) Email Address: If You cannot log into Your Account to change Your email address, We willimits apply to Your Controlled Personal Account. i. Wallet per transaction maximum amount - US$500 ii. Daily Wallet transaction limit - 10 iii. Visa Virtual Account per transaction maximum amount - US$500 iv. Daily Visa Virtual Account transac. 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 use any of the ePassporte Products or Services. there are unused funds in Your Account, We reserve the right to convert all such unused funds into an Account Closing Service Fee as set forth in Part XI below. Notwithstanding the above regarding acceptance of Your VYou 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 perform Recurring Account Reloads, in the amount You select at the time ofrom 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 balance in Your Account by any individual transaction or series of transactions. Subject personal documentation, such documentation to be determined solely by Us. (2) Loading of Funds: The initial load of funds to Your Standard Affiliate Account was by a P2P transfer of funds from an ePassporte Business Account. You may subsequ i. P2P Transfers. You may only make and receive P2P transfers to and from the Account Holder that purchased Your Controlled Gift Card on Your behalf. ii. Personal Checking Account Transfers. You may transfer funds available i, and any such claims shall be governed by the laws of the State of California in the United States of America, without regard for any principles of conflicts of laws thereof. Any claim that You seek to initiate arising out of or related to this Agreement mective upon posting the changes or revisions on Our web site at www.epassporte.com. If You do not agree to the posted changes or revisions, You may terminate and/or close Your Account as provided above in Part X. Your first use of Our 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 transaction maximum amount - US$500de a Visa Electron Card if purchased by You, or by an ePassporte Business Account Holder. The Standard Affiliate Account is for Your personal use and can be used to purchase goods and/or services, as provided in this Agreement. Your Wallet, Visa Virtual Account, and if appand, * not to disclose Your Wallet information, Your Visa Virtual Account and Visa Electron Card number(s) or CVV2(s), or otherwise make these available to any other person, unless You intend to make a purchase from thaGIFT CARD ACCOUNT. A. Standard Gift Card Accounts Your Standard Gift Card Account has been purchased for You by a Standard Personal Account Holder or by a Standard Affiliate Account Holder. Included in this purchase are ads by swiping the magnetic stripe on the card and allowing You to either enter Your PIN on a PIN-pad or sign the transaction receipt; (c) using the funds in Your Wallet on any internet merchant that accepts payments where the ePassporte logo is disnd conditions of this Agreement described in this Part IV, Section B. A. 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