tandard 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 transaction limit - 10 v. 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 to the restriction Your Account at the time of the loss 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 policiesble for paying any applicable taxes on funds added to Your Account, which will be in addition to the Fees We may charge You as specified below in Part XI. Funds added to Your Account will become available for usent funds into Your Account. We are not responsible if You do not have enough funds in Your Account to complete a particular transaction. If a transaction is denied because of insufficient funds in Your Account, You may access Our online services by visiting Our website at witions in Part X(B) and there are funds remaining in Your Account, We reserve the absolute right to charge Your Account an Account Closing Service Fee up to the balance in Your Account. (9) Funds Return Processing Fee. Ionsor Controlled Affiliate Account was 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 tcount 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. checkit - 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 - US$500 xii. Daily Demand Draft transaction limit - 5 xiii. Daily withdrawal limit by you have authenticated on Our system by one or more of the authentication methods described in Section V.B.(2). Some countries, designated by Visa, MasterCard or the specific co 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) hours of notification to the recipient, if the recipient agrees that ta Electron Card per transaction maximum amount - US$500 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 withdrawal limit by ACH - US$300 x. Daily Direct Credit Transfer transaction limit - 1 xi. Daily withdrawty five (35) days. Once You notify Us of Your intention to close Your Account, You may withdraw any remaining funds in Your Account by either: (a) using Your Visa Virtual Account to purchase goods or services at any Internet merchant website wore legal right from which to transfer funds; (ii) You violate the terms and conditions of this Agreement; or (iii) We are so directed by the order of a court of competent jurisdiction. Should We close or block access to Your Accouo purchase Your Account using a Demand Draft transfer, the Account Purchase and Load Fee will be US$5. (2) Demand Draft Reload Service Fee. Anytime You reload funds to Your Account using funds in Yt. B. Sponsor Controlled Affiliate Account Your Sponsor Controlled Affiliate Account was created for You by a Business Account Holder ("Sponsor Business Account"). Your Account includes a Wallet and Visa Virtual Account, and may include a Visa Electron Card ate Account. ii. Personal Checking Account Transfers. You may transfer funds to Your personal checking account from Your Standard Personal Account by wire transfer, and by ACH transfer if Your checking account is in a bans received funds through fraudulent P2P transfers, We will attempt to recoup the funds and will refund all recovered funds to the recipients. B. Direct Credit Transfer Transactions. i. If 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, designated by Visa, Mgreement, You must pay reasonable attorneys" fees and other costs of the proceedings. Your responsibility for fees and costs shall in no event exceed the maximum allowed by law. Neither We nor the Bank will be liable for thill take no action to resolve disputes between You or the recipient of Your P2P transaction. IV. PERSONAL ACCOUNTS ePassporte currently offers one type of Personal Account - the Standard Personal Account. ePassporte no longer offers nk will have any liability whatsoever for the failure of any merchant or ATM owner to accept or honor Your Visa Virtual Account or Your Visa Electron Card. XV. INTERNATIONAL TRANSACTONS The exchange rate between the transaction currency and Your billing to prohibit acceptance of Your Visa Virtual 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 Virtua ("PIN"). DO NOT KEEP YOUR PIN WRITTEN DOWN IN ANY LOCATION THAT MAY BE ACCESSED BY ANYONE NOT AUTHORIZED BY YOU. Your Visa Electron Card can be used at any merchant worldwide that has the ability to accept Visa cards. You can use Your Visa Electron Cnsfers of Funds: i. P2P Transfers. You may not make P2P transfers of funds to any other Account, and You may only receive P2P transfers of funds from an ePassporte Business Account. ii. Personal Checking Account Transfers. You may transfer funds to Your perre 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 have reloaded sufficient funds into Your Accoun Account Purchases: You cannot purchase any other Account from Your Controlled Gift Card Account. (2) Loading of Funds: The initial load of funds to Your Controlled Gift Card Account was made by a P2P transfer of funds from the Standard Personal Acly 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 provide additional personal documentation to Us, as We may solely determine. All limit increases will be subject to Ourcumentation to be determined solely by Us. (3) Transfers of Funds: i. P2P Transfers. You will be required to wait three (3) days after You have received Your Standard Affiliate Account before starting to make P2P transfers of funds. You mayl be charged US$35 for each Visa Electron Gift Card purchased. (15) Affiliate Account Purchase Fee. If You purchase an Affiliate Account, Your Account will be charged US$5 for each Affiliate Account purchased. Should You alsonal Account - the Standard Personal Account. ePassporte no longer offers Controlled Personal Accounts for sale. 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