tivating 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 liability for all the country of Federation of St. Kitts and Nevis ("St. Kitts"). This Agreement and any dispute between You and Us arising out of or related hereto, except for allegations that You have infringed or have threatened to infringe Our intellectual property rights, shall be exclusively go CAUTIONED NOT TO OPEN IT! IT IS NOT FROM EPASSPORTE AND IS LIKELY FRAUDULENT. VIII. USING YOUR EPASSPORTE ACCOUNT Each time You use Your Account, whether by using Your Wallet, Your Visa Virtual Account, or Your Vid purchased. (15) Affiliate Account Purchase Fee. If You purchase an Affiliate Account, Your Account will be charged US$5 for each Affiliate Account purchased. Should You also choose to purchase a Visa Electron Card for the Aff one or more of the authentication methods described in Section IV.A.(2). Some countries, designated by Visa, MasterCard or the specific country may not allow Direct Credit Transfers, and We have no control overuse Your Visa Electron Card by swiping the magnetic stripe on the card, and either entering Your PIN on a PIN pad or signing the transaction receipt. You may also be able to use Your Visa Electron Card at some merchantust provide a written request to US, and manually verify Your Visa and/or MasterCard credit or debit cards by submitting to Us a copy of Your current driver's license or passport, and a copy of the front and line service provider or an agent or subcontractor of any of them. Further, neither We nor the Bank will be responsible or liable for any indirect, special or consequential, economic or other damages arising in any way outBusiness Account. You may subsequently load funds onto Your Standard Affiliate Account through personal Visa and/or MasterCard credit and debit cards, and Demand Draft transfers from banks located in the United States of America. Personal Visa You may designate whether funds will be loaded directly onto Your Wallet or Your Visa Virtual Account. (3) Funds Transfers: i. P2P Transfers. You will be required to wait three (3) days after You have purchased Your Standard Personal Accourtual Account per transaction maximum amount - US$500 ii. 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 t - the Standard Personal Account. ePassporte no longer offers Controlled Personal Accounts for sale. If You currently have a Controlled Personal Account, You remain subject to the terms and conditions of this Agreement described in this Part IV, Section B. A. Standardssessment Fee. The Card Associations and Our Bank may add an International Service Assessment fee on all transactions that You perform at a Visa merchant or at an ATM. This total fee may be up to three percent (3%) of the transaction value. 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 that someone has used any of Your Carlently obtained and/or used. ePassporte Electronic Disclosure Consent You must read and agree to the following ePassporte Electronic Disclosure Consent permitting Us to send You important information relating to Your Account electronically. When You ha email address, We will require You to provide Us with additional personal identification information, solely determined by Us, in order for Us to change Your email address. B. Controlled Personal Accounts A Controlled Persona to any other fees We may charge as specified in this Part XI. (8) Account Closing Service Fee. If Your Account is closed by Us subject to the conditions in Part X(B) and there are funds remaining in Your Account, We reserve the nce of the terms and conditions of this Agreement. VII. PROTECTING YOUR EPASSPORTE ACCOUNT Your Account information, including information regarding Your Wallet, Your Visa Virtual Account number and CVV2 and, if applicable, Your Visa Electron Card number, Cn 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 Demand Draft is returned to Us by Your bank for insufficient fundthenticated on Our system by one or more of the authentication methods described in Section IV.A.(2). Some countries, designated by Visa, MasterCard or the specific country may not allow Direct Credit Transfers, and Draft to Your bank 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 s. B. We reserve the right at Our sole discretion to block access to or to close Your Account if: (i) You load funds onto Your Account from any source that You do not have the legal right from which to transfer funds; (ii) You violate the terms and condimit - 2 vii. Daily load limit by credit and/or debit card - US$500 viii. Daily load transaction limit for credit and/or debit card - 5 ix. Daily load limit by Demand Draft - US$500 x. Daily Demand Draft transaction limit - 5 xi. Daily withdrawal limit by ACH - US$300 xii. Daily Direct Credit Transfer transaction limit - 1 lf receives on the government-mandated rate in effect for the applicable central processing date. A one percent (1%) International Service Assessment fee may be charged by Visa on all international transactions. XVI. DISPUTES, RETURNS AND REFUNions, Visa and/or MasterCard rules provide that You may not be required to either enter Your PIN or sign a transaction receipt. 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