ng Your credit or debit card to load Your Account. If charged, the amount of this fee and the collection of interest on the amount(s) loaded (if applicable) are set entirely at the discretion of Your bank. ineither We nor the Bank will be responsible or liable for any indirect, special or consequential, economic or other damages arising in any way out of or related to the use of Your Account. 2. The total cumulative liability of r each month in which You do not effect a transaction on Your Account until either (i) a transaction is effected by You; or (ii) the balance on Your Account reaches US$0. (11) ATM Fees. An ATM fee of US$2 will be assessed to Your Account for each transandard Gift Card Accounts and from Standard Personal Accounts. You may transfer funds by P2P funds transfer only to Standard Affiliate Accounts, Standard Gift Card Accounts, and from Standard Personal Accounts, and to a Controlled Gift Card Account if Yobject to the terms and conditions of this Agreement described in this Part IV, Section B. A. Standard Personal Accounts A Standard Personal Account is an Account purchased by an individual not located in a High Risk Country for personal use, which may be used to purchase goods and seice Fee for the Visa Virtual Account is US$5 and will be charged to Your Account annually until the Account is closed. (5) Visa Electron Card Annual Service Fee. The Annual Service Fee for the Visa Electron Card is US$35 an ii. If You believe that You have mistakenly sent funds to the wrong Visa or MasterCard credit or debit card account, You will have to resolve this mistake with the owner of the agree to receive notice of changes or revisions to this Agreement electronically rather than on paper. XXIII. GENERAL PROVISIONS This Agreement is entered into in the country of Federation of St. Kitts and Nevis ("St. Kitts"). This Agreement and We may charge You as specified below in Part XI. Funds added to Your Account will become available for use immediately upon actual transfer subject to Parts IV.A.(3), IV.B.(3), V.A.(3), VI.A.(3), and VI.B.(3), except tha Fee. If You send funds by a Direct 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 all transactions made 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, ePassportfer by Your bank or by the intermediate banks and will not be responsible for paying any of these fees. iii. If Your wire transfer is returned to Us for any reason, We will credit Your Account with the amount of Yo iv. If the sender believes that he mistakenly sent funds to the wrong Account, We will inform the recipient that the funds were sent in error, and that a dispute has been received from the sender. Within forty eight (48) hoursose Your Account immediately, report any and all relevant or potentially relevant information to the appropriate governmental authorities, revoke any funds transfers made using Our P2P Service and recover any and all per transaction for each subsequent transaction in that same day. The fee for using the P2P service will be charged to Your Account. (7) Text Message Fee. Anytime You make a balance inquiry, or add funds to Your Account or transfer fun back to the sender"s Account. If We are unable to recover the sender"s funds from the recipient, We assume no liability for the sender"s funds. The sender must resolve the dispute with the recipient. iv. If the sender believes tha hours or twenty four (24) hours a day, seven (7) days a week, up to a maximum of five (5) times in any twenty four (24) hour period, by going to Our website at www.epassporte.com. You are responsible for payiedit 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 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 nd use funds from the Wallet to purchase a Visa Virtual 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, Y originated, You must contact Us in writing no later than sixty (60) days after the transaction date. iii.. We will not be involved in P2P disputes due to non-receipt of or dissatisfaction wiolder Services Center at +1.310.301.2001 to obtain information on Your Account. XIV. FAILURE TO COMPLETE TRANSACTIONS We accept no liability for failing to complete any transaction for which You have not loaded sufficient fundrtual 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 stolen. You may move funts 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 a Visa Virtual Account and a Wallet, and may include a Visa Electr(18) years * I agree to the ePassporte Terms and Conditions * I acknowledge receipt of the ePassporte Privacy Policy for Consumers * I consent to receive disclosures in electronic form in connection with My use of the Account, includi in Your Account. When You complete Your purchase, the actual value of Your purchase (i.e. meal and any applicable taxes, plus tip) will be debited from Your Account and the prior authorization will be removed from Your Account at that time. If You do not saction date, We will not attempt to resolve the dispute. If We receive notification within the sixty (60) day time period, We will attempt to resolve the dispute with the merchant(s), and/or ATM owner and/or individual(s), in accordaest the transfer of funds. iii. Direct Credit Transfers. You may transfer funds by a Direct Credit Transfer to Your personal Visa and/or MasterCard credit or debit cards, which you have authenticated on Our sbsite at www.epassporte.com.. If You do not agree to the posted changes, modifications or increases, You may close Your Account as provided above in Part X. Your first use of Our Products and Services following the posting of any changes or revisions tont up to the full balance in Your Account, and in such event, in the absence of any intentional or grossly negligent act by Us or Our representatives, We will not be responsible for or liable to You for use of any such funds. YOU WILL NEVER BE ASKEure amendments, correspondence and communications concerning this Agreement and Your Account and any other notices that may be legally required to be provided to You, in electronic form by posting the change(s) on Our website at www.epassporte.com. 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