into an Account Closing Service Fee as set forth in Part XI below. Notwithstanding the above regarding acceptance of Your Visa Virtual Account or Your Visa Electron Card, We reserve the right, at Our absolute discretion, t or Services or any Account are to be issued to or used by any business, We reserve the right to vary and/or add to these terms and conditions as We may in Our sole discretion consider appropriate. Any such variations to these term and conditions wicient 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 Your Account the transaction will be electre of US$3.00 for each transfer We process. We have no control over this transaction once it is submitted to the ACH processing system and are not responsible for any delays in the funds being credited to Your bankwww.epassporte.com. You may review online at any time all transactions that have taken 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 Accountriod thereafter until You specifically inform Us, in writing, that future Recurring Account Reloads are not authorized from that funding method. IX. ACCOUNT RENEWAL Your Account will automatically renew every twenty-four (24) months. ount is closed. (5) Visa Electron Card Annual Service Fee. The Annual Service Fee for the Visa Electron Card is US$35 and will be charged to Your Account annually until the Account is closed. On the year that You are charged a Vank will be liable for the failure of Us or the Bank to perform any obligations under this Agreement due to events beyond Our control and/or the control of the Bank, and the time provided for performing such obligations shall be extendeYour personal checking account by wire transfer, and by ACH transfer if the checking account is in a bank in the United States of America, subject to the terms and conditions, and fees WDemand 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 Account Limits: Should You want to increase any of Virtual Account to purchase goods or services at any Internet merchant website worldwide that accepts Visa; (b) using Your Visa Electron Card to purchase goods or services at any merchant worldwide that has the abilersonal 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 Standard Affiliate Account by wire transfer, and by and/or debit card provided that Your credit and/or debit card was approved prior to March 15th, 2006. You will be required to authenticate Your Visa or MasterCard credit or debit card by one or more or the following methods: (i) ePis 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 servis. You will not be allowed to make Direct Credit Transfers to these countries. (4) Usage Limits: The following limits apply to Your Standard Personal Account. i. Wallet per transaction maximum amount - US$500 ii. Daily Wallet transaction limit -sa Electron Card Re-Issuance Fee. If Your Visa Electron Card is reported lost or stolen, or if You request a replacement Visa Electron Card for any other reason after Your Visa Electron Card is activated, a Visa Electron Card Re-Issuanccount limits. A fee of US$5 will be charged to Your Account for this upgrade. (14) Gift Card Purchase Fee. If You purchase a Gift Card Account, Your Account will be charged US$5 for each Gift Card Account purchased. Should You also choose to purchase a Visae. If You purchase a Visa Electron Card, a US$35 Visa Electron Card Issuance Fee will be charged to Your Account. (5). Visa Electron Card Re-Issuance Fee. If Your Visa Electron Card is reported lost or stolen, or if You request a Controlled Affiliate Account by wire transfer, and by ACH transfer if the checking account is in a bank in the United States of America, subject to the terms and conditions We have in effect at the time You request the transfer of fun all disputes concerning transactions You make using the funds in Your Account with the merchant(s), and/or ATM owner and/or individual(s) with whom You made those transactions. If You notify Us that You dispute a transaction and You have not first attempted to settle that dispute, E RESOLUTION A. P2P Transactions. i. P2P TRANSACTIONS ARE LIKE SENDING CASH. We are not liable for any P2P transaction unless it is determined in Our sole discretion that an error had been made by Our systems. ii.. 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