for collection as many times as is allowed by applicable law, and to access Your US bank account a bounced check fee as is allowed by applicable law. (4) Visa Virtual Account Annual Service Fee. The Annualby 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 funds. All fund transfers will be subject to the fees in this Agrt any time change the terms and conditions of this Agreement or any policies or terms of service governing use of Your Account, including without limitation, changing or increasing fees. Any changes will be effective upon postin 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 User ID or password or Your PIN have been lost or stolen, or thatt by them and will reflect currency conversion rates in effect by the international banks at that time. They may add a Currency Conversion Fee which will not exceed two percent (2%) of the transaction value. (19) International Service Assessment Fee.hat You have infringed or have threatened to infringe Our intellectual property rights, shall 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 orby swiping the magnetic stripe on the card and entering Your PIN. Notwithstanding the above regarding acceptance of Your Visa Electron Card, We reserve the right to prohibit acceptance of Your Visa Electron Card at certain . 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 ACH - US$300 xiv. Da negative balance due to delayed or erroneous posting of any transaction due to processing or operational errors, ePassporte reserves the absolute right to make a charge or charges to Your loading payment mechanism in order to bring Your Account to a zero (US$rged to Your Account annually until the Account is closed. On the year that You are charged a Visa Electron Card Replacement Fee, You will not be charged the Visa Electron Card Annual Service Fee. (6) Peer-to-Peer Service Fnties, covenants, conditions and provisions hereof are intended to be and are for the exclusive benefit of You and Us. We do not give up Our rights by delaying or failing to exercise them at any time. If any term of this Agreement is fou discretion consider appropriate. Any such variations to these term and conditions will be contained in the Business Account Agreement executed between Us and the business. Your Account, the funds in Your Us of up 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 Yomanner authorized under the terms and conditions of this Agreement; and, * to promptly notify Us of any loss, compromise or theft of Your Account, Your Visa Virtual Account and Visa Electron Card number(s), CVV2(s), Account User ID , pabe immediately deducted from Your Account balance. We 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 oged by ePassporte for processing the withdrawal cannot be refunded as ePassporte processed the transaction, but the transaction was rejected by Your bank due to policies outside of ePassporte's control. (ling currency that is used for processing international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives on the government iii. Visa Virtual Account per transaction maximum amount - Set by Sponsor iv. Daily Visa Virtual Account transaction limit - Set by Sponsor v. Visa Electron Card per transaction maximum amount - Set by Sponsor vi. Daily Visa Electron Card transaction limit - Set by Sponsoder a co-branding agreement between the Bank and ePassporte and sold by ePassporte. "Visa" means Visa International and any of its regional organizations. "MasterCard" means MasterCard International and any of its regional organizations. "We", "Us", and "Our" mean ePasspits: The following limits apply to Your Standard 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 Acco Gift Card Account to be able to make P2P transfers of funds. After the three (3) day period, You may send and receive P2P transfers of funds to Standard Personal Accounts, Standa Card are subject to the terms and conditions of this Agreement described in this Section A. 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