unds to the sender. vi. Should We determine in Our sole discretion that an Account Holder has received funds through fraudulent P2P transfers, We will attempt to recoup the funds and will refund aree to accept and assume full liability for all unauthorized ATM transactions while the Personal ATM Limits are activated. If You choose to opt-out of ATM Protection Program completely and set Your Personal ATM Limits as Your default limits, the sender"s Account. If We are unable to recover the sender"s funds from the recipient, We assume no liability for the sender"s funds. The sender must resolve the dispute with the recipient. iv. If the sender believes that he murchase goods and services, as provided in the terms and conditions of this Agreement. The rights of Controlled Personal Account Holders are more limited than Standard Personal Account Holders. Your Wallet, Your Visa Your Account through P2P transfers. You may not make additional loads to Your Account via credit or debit card, ACH, or any other method. (3) Transfers of Funds: i. P2P Transfers. You cannot transfer funds to any other Account by r 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. V. GIFT CARD ACCOUNTS ePassporte offers two types of Gift Carts. ii. Personal Checking Account Transfers. You may transfer funds to Your personal checking account from Your Sponsor Controlled Affiliate Account by wire transfer, and by ACH transfer if the checkilder, to a Visa or MasterCard credit or debit card. "ePassporte Visa Virtual Account" or "Visa Virtual Account" means a virtual Visa prepaid card that an ePassporte Account Holder may purchase from Us. "ePassporte Visa Electron Card" or "Visa Eo Us. ii. If You believe that You have mistakenly sent funds to the wrong Visa or MasterCard credit or debit card account, You will have to resolve this mistake with the owner oUCH 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 ACCOUNT ACCORDING TO YOUR PREFERENCE. F. The ePassporte Peer-to-Peered for performing such obligations shall be extended by a period 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, warcurrency 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-mandatansaction 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. Daily Direct Credit Transfer transaction limit - 1 xv. Daily withdrawal limit by Direct Credit TraS 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 Card(s), Your Account User ID or password or xt message functionality, We will charge Your Account US$0.50. This Text Message Fee will be charged in addition to any other fees We may charge as specified in this Part XI. (8) Account Closing Service Fee. If Your Accr 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 subject to Parts IV.A.(3),UR EPASSPORTE ACCOUNT, HOW TO DISPUTE ERRORS If You need more information about a transaction shown on Your online Account statement, or if You think there is an error on Your online Account statement, You may contact Us via emaind Your Visa Virtual Account. By keeping funds in Your Wallet until You are ready to spend the funds via Your Visa Virtual Account and/or Visa Electron Card, You can ensure that funds in Your Account are safe in the event that Your Visa ank will be liable for the failure of Us or the Bank to perform any obligations under this Agreement due to events beyond Our control and/or the control of the Bank, and the time provided for performing such obligations shall be extendete Account was created for You by a Business Account Holder. Your Standard Affiliate Account includes a Wallet and a Visa Virtual Account, and may include a Visa Electron Card if purchased by You, or by an ePassporte Business Account Holder. The Standard Affiliate Account is for Your personal use and canto 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 suit or claim arising out of or related hereto, except for allegations that You have inf merchant websites wherever the ePassporte logo is displayed. Additionally, You may withdraw funds from Your Wallet to a U.S. checking account, and You may withdraw funds via bank wire transfers. These services will OR PIN TO ANYONE WHOM YOU DO NOT INTEND TO AUTHORIZE TO USE YOUR ACCOUNT. We will promptly investigate Your complaint or question and will correct any error made by Us. XIX. DISPUTE RESOLUTION A. P2P Transactions. i.nal personal documentation to Us as We may solely determine. All limit increases will be subject to Our approval. (6) Email Address: If You cannot log into Your Account to change Your email address, We will require You to provide Us with additional personal infort recover from the recipient. XX. PRIVACY The circumstances under which We will disclose information about You and/or Your Account are fully described in Our Privacy Policy, which You may view anytime on Oare returned to Us by Your bank. The fee that You were charged 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 ou. We neither accept nor assume any liability to ensure that goods or services that You purchase using Your Visa Electron Card are as advertised for sale or will meet Your satisfaction. E. THE WALLET, VISA VIRTUAL ACCOUNT, AND THE VISA ELETE WEBSITE. EPASSPORTE WILL NEVER SEND YOU AN EMAIL REQUESTING THAT YOU ACCESS THE EPASSPORTE WEBSITE BY CLICKING ON AN EMBEDDED LINK IN THE EMAIL AND THEN REQUIRE YOU TO PROVIDE YOUR ACCOUNT PASSWORD AND/OR PIN. 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