2%) of the transaction value. (19) International Service Assessment 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 aed ATM transactions up to US$300, per day. Your ePassporte Account may have been previously approved for higher daily ATM withdrawal and/or transaction limits ("Personal ATM Limits"). You have the option of deactivating the Standard ATM Limits and activaercent (2%) of the transaction value. (19) International Service Assessment Fee. The Card Associations and Our Bank may add an International Service Assessment fee on all transactions that You perform at a Visa mercant(s), and/or ATM owner and/or individual(s), in accordance with the relevant Visa International regulations in force at the time of Your transaction. If You are entitled to a refund for any reason for goods or services obtained witsale or will meet Your satisfaction. E. THE WALLET, VISA VIRTUAL ACCOUNT, AND THE VISA ELECTRON CARD ARE NOT CREDIT CARDS. NO INTEREST WILL BE PAID ON THE FUNDS YOU TRANSFER INTO YOUR ACCOUNT AND SUCH FUNDS ARE NOT INSURby visiting Our website at www.epassporte.com and load additional funds into Your Account. The fee for loading additional funds into Your Account is listed above in Part XI. If You are uncertain as to the exact balance available in ending charge on Your Account and deduct such Fee when You have reloaded sufficient funds into Your Account. Unless otherwise expressly provided herein, no Fees hereunder are refundable at any time or for any reason. XII. AUTHORIWe also reserve the right to remove countries from the list of High Risk Countries and if We do so, all rules in this Agreement pertaining to countries which are not designated High Risk Countries by Us will apply to trespective 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 Account and the Visa Electron Card issued by Bank under a co-branding agreement between thOT AUTHORIZED BY YOU. Your Visa Electron Card can be used at any merchant worldwide that has the ability to accept Visa cards. You can use Your Visa Electron Card by swiping the magnetic stripe on the card, and either entering Your PIN on a PIN into Your Account is listed above in Part XI. If You are uncertain as to the exact balance available in Your Account, please review Your online Account statement at www.epassporte.com, or call Our Account Holder Services Center at +1.310.301.2001 to veisa, MasterCard or the specific country may not allow Direct Credit Transfers, and We have no control over the designation of those countries. You will not be allowed to make Direct Credit Transfers to these couns. Prior to a transfer of funds by a Direct Credit Transfer to Your personal Visa and/or MasterCard credit or debit cards, You must provide a written request to US, and manually verify Your Visa and/or alance in Your Account, whichever is less, will be charged to Your Account before We return any such funds. (10) Monthly Dormant Account Processing Fee. If We have not processed a transaction against Your Account for one hundred$50 Funds Return Processing Fee which will be deducted from Your Account before such funds are returned to You. If, after You close Your Account, there are unused funds in Your Account, We reserve thcard that an ePassporte Account Holder may purchase from Us. "ePassporte Visa Electron Card" or "Visa Electron Card" means a physical Visa Electron prepaid card that an ePassporte Account Holder may purchase from Us for use at certain ATMs and certain retail merchants,t acceptance of Your Visa Virtual Account 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 You the minimum value and to set and change a maximum value that may be added to Your Account at any given time and without notification to You. As a security measure and for Your protection, in the event that the a or ordinance, whether federal, state, or local, becomes effective which substantially alters Our ability to perform services hereunder, We shall have the right to cancel this Agreement, with notice, if reasonably possible, effective upon the earlier of (i) the date upon whiers of Funds: i. P2P Transfers. You cannot transfer 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 Chund the Visa Electron Card Re-Issuance Fee to Your Account upon Our receipt of the old Visa Electron Card. (6) Visa Electron Card Replacement Fee. Your Visa Electron Card will be replaced by Us on a protected against unauthorized ATM transactions up to US$300, per day. Your ePassporte Account may have been previously approved for higher daily ATM withdrawal and/or transaction limits ("Personal ATM Limits"). You have the option ofin Your Account, and in such event, in the absence of any intentional or grossly negligent act by Us or Our representatives, We will not be responsible for or liable to You for use of any such funds. YOU WILL NEVER BE ASKED BY US, WHETibed in Section V.A.(2). Some countries, designated by Visa, MasterCard or the specific country may not allow Direct Credit Transfers, and We have no control over the designation of those countries. You will not be allowed to make Direct Cansaction is denied at the AFD, You may still be able to purchase an amount of fuel less than US$75, up to the amount You have remaining in Your Account, by making Your purchase through the attendant at the fueling facility. m. You have the right to withdraw this consent, but if You do, We will immediately terminate Your Visa Virtual Account and/or Your Visa Electron Card and close Your Account. To withdraw Your consent, please contact Us by using Our online services at www.epassporte.com oNT IS NOT A CREDIT CARD 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 m, We will not be further involved in resolving the dispute. The sender must resolve the dispute with the recipient. v. Should a recipient of a P2P transfer of funds notify Us of funds received in error, We will immediately refundent fee may be charged by Visa on all international transactions. XVI. DISPUTES, RETURNS AND REFUNDS You agree to attempt to first settle all disputes concerning transactions You make using the funds in Your Account with the merchant(s), and/or ATM owner and/or individual(sectron Card, We reserve the right to prohibit acceptance of Your Visa Electron Card at certain merchants and/or merchant categories and/or ATMs that accept Visa at Our sole discretion. 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