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to Your Controlled Gift Card Account was made by a P2P transfer of funds from the Standard Personal Account or Standard Affiliate Account that purchased Your Account. For subsequent loads to Your Account, You may use a credit and/or debit card provided that Your credit and/or dd 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 that funds added to Your Account by Demand Draft will not become xii. Daily Demand 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 ly Demand 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 Limits: Should You want to increase any of the above limits on option of deactivating the Standard ATM Limits and activating the Personal ATM Limits when You access Your ePassporte Account online for three (3) hour periods. Please note that if You choose to deactivate the Standard ATM Limits, You agree to accept and assume full ln Account Holder has 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 Transacer You have received Your Standard Affiliate Account before starting to make P2P transfers of funds. You may receive P2P transfers of funds from ePassporte Business Accounts, Standard Affiliate Accounts, Standard Gift Card and You subsequently return to Us the old Visa Electron Card, We will refund the Visa Electron Card Re-Issuance Fee to Your Account upon Our receipt of the old Visa Electron Card. (6) Visa Electron Cgnated 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. Pacific Time on one calendar day to 12:00 a.m. Pacific Time (Greenwich Mean Time minus 8 hours) on the next calendar dayou will be responsible for all transactions made by that person with the Visa Virtual Account and Visa Electron Card, and/or Your Wallet; and, * that any unauthorized person who obtains access to Your Visa Electron Card, Your Card number(r not Your Account or any Cards associated therewith are used outside of St. Kitts. Venue for any suit or claim arising out of or related hereto, except for allegations that You have infringed or have threatened to infringe Our intellectual property rightperiod of time equal to the duration of such events. Events beyond Our control and/or the control of the Bank include, but are not limited to, acts of God, war, civil commotion, labor disputes, equipment failures, bank failuate Yourself, activate Your Visa Electron Card, and create Your own Personal Identification Number ("PIN"). DO NOT KEEP YOUR PIN WRITTEN DOWN IN ANY LOCATION THAT MAY BE ACCESSED BY ANYONE NOT AUTHORIZED BY YOU. Your Visa Electron C INTEREST WILL BE PAID ON THE FUNDS YOU TRANSFER INTO YOUR ACCOUNT AND SUCH FUNDS ARE NOT INSURED BY EPASSPORTE OR ANY GOVERNMENT AGENCY. ALL FUNDS YOU PLACE IN YOUR ACCOUNT WILL BE HELD IN EITHER YOUR WALLET OR VISA VIRTUAL ACCOUNfirst settle 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 don Card, or the ePassporte Peer-to-Peer Service to make a purchase or transfer funds to another Account Holder, the amount of the transaction will be immediately deducted from Your Account balance. We will also deduct from Your Account balance all applica an ePassporte Business Account Holder. The Standard Affiliate Account is for Your personal use and can be used to purchase goods and/or services, as provided in this Agreement. 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