Products or Services, You agree to be bound by the terms and conditions contained in this Agreement, and as it may be amended as provided below. Also, You agree that You are bound by this Agreement if You use the ePassporte Products or Services, whether You purchased the eIssuance Fee. 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, oowed to make Direct Credit Transfers to these countries. (4) Usage Limits: The following limits apply to Your Controlled Personal Account. i. Wallet per transaction maximum amount - US$500 ii. Daily Wallet transaction ount 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 Virtual Account using Your debit or credit card or Your bank s 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 use immediately upon actual transfer subliability for the sender"s funds. The sender must resolve the dispute with the recipient. iv. If the sender believes that he mistakenly sent funds to the wrong Account, We will inform the recipient that . ePassporte Wallet When You signed up for an Account, or when You received an Account from another party, ePassporte issued a Wallet to You free of charge. If You had an existing Account, a Wallet was added to Your Account at no additional cost. To use Your Wallet, You must entam. 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) transactions per twenty-four (24) hour period ("Standard ATM Limits"). While Your Standard ATM Limits are active, You are protected against una Electron Card, and/or Your Wallet; and, * that any unauthorized person who obtains access to Your Visa Electron Card, Your Card number(s), CVV2(s), Account User ID and password and/or PIN may use the funds in Your Account up to thm a bank account located in the United States. All fund loads will be subject to all applicable fees in Part XI of these Terms and Conditions. (3) Transfers of Funds: i. P2P Transfers. You will be required to wait threetify the transaction. * The US Dollar amount of the transaction in question * The date of the transaction. NEVER GIVE YOUR ACCOUNT PASSWORD OR PIN TO ANYONE WHOM YOU DO NOT INTEND TO AUTHORIZE TO USE YOUR ACCOUNT. 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 of funds. iii. Direct Credit Transfers. ion limit - 1 xv. Daily 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 Account, You will be required to provide additional personal documentation to Us as We may solely determine at the timunts, with different limits and restrictions. Please refer to the following sections of this Agreement for additional information about Your: Personal Account - Part IV Gift Card Account - Part V Affiliate Account - Part VI Be 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 if purchased by You, or by Your Sponsor Business Account. The Sponsor Controlled Affiliate Account is ders who help Us meet Your needs by providing or offering Our services. XXI. RELEASE FROM THIRD PARTY LIABILITY 1. Except as specifically provided in this Agreement, neither We nor the Bank will be liable for any loss or liability resulting in whole or iup to US$50 to wire 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 bader to identify their Account. "Verified By Visa" and "SecureCode" mean the respective Visa and MasterCard identity authentication systems operated by Visa, MasterCard respectively, and their member banks. "Visa Card(s)" or "Card(s)" means the ePassporte Visa Virtual Accountrms and Conditions. (3) Transfers of Funds: i. P2P Transfers. You will be required to wait three (3) days after You have received Your Standard Gift Card Account to be able to make P2P trans day to 12:00 a.m. Pacific Time (Greenwich Mean Time minus 8 hours) on the next calendar day, unless otherwise specified. "Direct Credit Transfer" means a transfer of funds, initiated by an ePassporte Account Holder, to a Visa or MasterCard credit or debit cardction 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 withdrawal limit by Direct Credit Transfer - US$300 (5) Modification of Account Limits: Should Yoount. The Sponsor Controlled Affiliate Account is for Your personal use and can be used to purchase goods and/or services, as provided in this Agreement. Your Wallet, Your Visa Virtual Account, and if applicable, Your Visa Electron Card will bprovided in this Agreement. Your Standard Personal Account will consist of a Visa Virtual Account and a Wallet, and if purchased by You, a Visa Electron Card. Your Standard Personal Account will be subject to the terms and conditions of this Agreement desclely 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 subsequently load funds onto Your Standard Affiliate Account through personal Visa ans. We will notify You about the renewal of Your Account at least once prior to renewal. We will charge Your Account all applicable fees, as set forth in Part XI below, upon each annual anniversary and upon renewal of Your Account. X. CLOSING YOUR EPASSPORTE ACCOUNT A. Should You wish to close Your A 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 Checkinnization for processing Your ACH transfer. (17) Direct Credit Transfer Fee. i. 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