y 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 Your oTRUTH IN LENDING ACT. If You believe that any of Your Card(s), Your Account User ID or password or Your PIN have been lost or stolen, or that someone has used any of Your Card(s), Your Account User ID or password or Your PIN withoutto purchase a Visa Electron Card for the Affiliate Account, Your Account will be charged US$35 for each Visa Electron Card purchased. (16) ACH Transfer Fee. If You send funds to Your bank account by an ACH transfer (Card Holders with a bank account in the Ununts 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 ElecWe will automatically transfer available funds on Your Visa Virtual Account to the Wallet to complete the P2P transfer. In the event that Your Visa Virtual Account has insufficient funds for the transfer, the P2P transfer wil Affiliate Account by wire transfer, and by ACH transfer if Your 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 os that are in Your Wallet are not available when You use Your Visa Electron Card until You have transferred the funds from Your Wallet to Your Visa Virtual Account. If You have purchased a Visa Electron Card, or someone purchase be exclusively governed by and subject to the laws of St. Kitts, without regard to any principles of conflicts of laws thereof, whether or not Your Account or any Cards associated therewith are used outside of St. Kitts. Venue for any suitporte Business Account" and "Business Account" means those ePassporte Accounts designated by Us and are governed by separate agreements between ePassporte and the Business Account owner. "Day" means the twenty-four (24) hour period running from 12:00 a.m. Pnk, for any reason. We have no control over any fees that may have been charged for processing Your returned wire transfer by Your bank or by any intermediate bank, and We will not be responsible for paying any of those fees.i. Daily Visa Virtual Account transaction limit - 10 iii. Visa Electron Card per transaction maximum amount - US$500 iv. Daily Visa Electron Card transaction limit - 10 v. Standard daily ATM withdrawal limit - US$300 vi. Standard daily ATM transaction limit - 2 vii. Daily load limit by credit and/or debit ds: i. P2P Transfers. You cannot transfer funds to any other Account by P2P funds transfer. You may receive P2P transfers of funds from Your Sponsor Business Account and other ePassporte Business Accounts. ii. Personal Checkdrawal 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 Our appr, and then US$1 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 transferand by entering into this Agreement You irrevocably consent to the personal jurisdiction of the courts of St. Kitts. If We allege that You have infringed or have threatened to infringe Our intellectual property rights, then in additionuding without limitation, changing or increasing fees. Any changes will be effective 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 closetermediate bank, and We will not be responsible for paying any of those fees. (13) Upgrade to Select Account Fee. Standard Personal Account Holders and Standard Affiliate Account Holders may have the option to upgt log into Your Account to change Your email address, We will require You to provide Us with additional personal information, solely determined by Us, in order for Us to change Your email address. (7) Acceptance of Terms and Conditions: O THE AFFILIATE ACCOUNT HOLDER, AND NOT THE THE PROVIDER/PURCHASER OF THE AFFILIATE ACCOUNT. A. Standard Affiliate Account Your Standard Affiliate Account was created for You by a Business Account Holder. Your Standard Affiliate Account includes a Wallet and a Visa Virtual Account, and may includ ALL USES OF YOUR ACCOUNT. YOU UNDERSTAND AND AGREE THAT YOUR ACCOUNT IS NOT A CREDIT CARD ACCOUNT AND IS NOT PROTECTED BY LAWS COVERING CREDIT CARDS SUCH AS THE UNITED STATES FEDERAL TRUTH IN LENDING ACT. If You believe that any of Your Card(s), Your Account Userty measure against unauthorized ATM transactions, all Visa Electron Cards have been enrolled in ePassporte"s ATM Protection Program. Your Visa Electron Card will have a standard daily ATM withdrawal limit of US$300 and a standard daily ATM transaction limit of two (2) tranCH transfer if Your 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 funds. iii. Direct Credit Transfers. Yted by Us in Our sole and absolute discretion, which are listed on Our website. We reserve the right to add other countries to the list of High Risk Countries and if We do so, all rules in this Agreement pertaining to High Risk Countries will apply to those newly designated High Risk Countries. We also reserve tt to the terms and conditions We have in effect at the time You request the transfer of funds. All fund transfers will be subject to the fees in this Agreement. iii. Direct Credit Transfers. You may transfer funds by a Direct Credit Tra If You are entitled to a refund for any reason for goods or services obtained with funds in Your Account, You agree to accept credits to Your Account as the only method of refund. We accept no liability to ensure that goods or services that You purchase thrount, or if Your Demand Draft Reload is rejected for any other reason or We are unable to complete Your Demand Draft Reload for any reason, We may charge Your Account a Demand Draft Return Service Fee (bounced check fee) of up to US$30. If Your Demr the specific country may not allow Direct Credit Transfers, and We have no control over the designation of those countries. You will not be allowed to make Direct Credit Transfers to these countries. (4) Usage Limithe time You purchased an Account, or when an Account was purchased for You by another party. Your Account consists of a Wallet and a Visa Virtual Account, and may include a Visa Electron Card. 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