This Agreement is between you, the authorized cardholder, Ecash Services, S.A,. It governs the respective rights and obligations of both parties in connection with the issuance and use of the Card. If you use or authorize the use of the Card, by that act, you are accepting the terms of this Agreement and agreeing to be bound by them. The Card enables you to withdraw and transfer funds that you have prepaid/loaded on the Card at participating Merchant Points-of-Sale ("MPOS") and Retail Loading Centers ("LC"), As well as at EcashWorldCard.com.We will maintain accounting records of the funds that you have loaded,withdrawn and transferred using the Card.   EcashWorldCard will maintain accounting records of what is loaded through them.You cannot withdraw or transfer more funds than the available balance in your Card Account. If you try to do so, the transaction will be declined. The Card is the property of First Federal Bank. First Federal Bank may revoke the Card at any time without cause or notice. If First Federal Bank dies so, you agree to surrender the Card to First Federal Bank . In that event, we will repay any remaining prepaid balance on your Card to you after deducting all applicable fees and charges.

LOST OR STOLEN CARD CONTACT INFORMATION

Notify US immediately if you believe that the Card has been lost, stolen, if your Personal Identification Number ("PIN") has been compromised, or if you suspect that any unauthorized person(s) is withdrawing or transferring money from the Card. You may call Us 24 hours a day, 7 days a week at the telephone number on our website.

CARD ACTIVATION AND PERSONAL IDENTIFICATION NUMBER (PIN)

Your Card must be activated by the participating merchant at the time of purchase. (In this case EcashWorldCard.com will assist in activation of your card). Upon activation, you will be able to start using your Card for retail purchases, Card to Card transfers, ATM transactions, long distance calling and more. The Card has two distinct default PINs enclosed inside the package. Your PINs will enable you to identify yourself when using the Card. These PINs are an important security feature that functions as your signature, identifying you as the proper user of the Card and authorizing any transaction that you make using the Card. You will not reveal your PINs to unauthorized users of the Card and you assume full responsibility for any and all transactions made by such unauthorized users. Do not disclose your PINs to any persons or entities. If you voluntarily give your Card or PINs to another person, you are authorizing such person to use your Card and access your funds, whether you intend to do so or not, and you will be responsible for their use of your Card.

CARD SERVICES

ECWC generally offers the following array of services to Cardholders ("Cardholder Services"):
Automated Teller Machine ("ATM") Services. ATMs that bear the network logos that appear on the back of the Card for fund withdrawals and for inquires about the amount of funds available to you.
Merchant Services. Purchase goods and services at any retail or other establishment that displays the network logos that appear on the back of the Card.
Card-to-Card Transfer Services. Transfer available funds among active ECWC cards.
Long Distance Telephone Services. Make local and long distance telephone calls through a designated telecommunications service provider.

USING YOUR CARD

Loading.
You cannot obtain cash from the Card until it is loaded with value and the balance is available. You can load the Card at EcashWorldCard.com. Once the Card is loaded and there is a balance, you can use the Card for the above Card Services. You must present your Card and have your Account Access Code (PIN) available to load the Card or to make a withdrawal or transfer of funds from the Card. You cannot make withdrawals or transfers in excess of the available balance on the Card. Upon any withdrawal or transfer of funds, the available balance on the Card will be reduced by the amount of such withdrawal or transfer. You agree to permit any person to whom you present the Card to verify the authenticity of the Card with ECWC before completing a transaction. You are responsible for all transactions initiated by use of the Card and your PIN. You may use your Card only in the manner and for the purposes authorized by this Agreement. ECWC may recognize a transaction even if ECWC has not authorized it, but that does not mean ECWC will authorize the same transaction again. ECWC may restrict access to your Card account if ECWC notices excessive use of your Card Account or other suspicious activities. In that event, ECWC will attempt to notify you. We will reinstate the Card once We has determined that the use of your Card was proper in our sole discretion.

Foreign Exchange.
If you withdraw or transfer funds using the Card in a foreign country, the amount will be converted to the local currency at a rate determined by the ATMs financial institution. ECWC does not control the exchange rate at the date or place of exchange.

Cardholder Support and Service.
You may check your Card balance and transaction activity and initiate other customer service requests by calling the number indicated on the back of your Card.

Fees and Charges.
Fees applicable to the use of the Card are set out below. Fees are subject to change.

SCHEDULE OF FEES AND CHARGES (US Dollars)

LIMITS

* These amounts may be modified by calling customer service.

CARD STATEMENTS

Under the Electronic Fund Transfer Act you can request periodic statements from us. You can choose to receive the following information in paper form or electronically. If you choose a paper statement, please call the number on the back of your Card and speak to a customer service representative. Applicable fees will apply.

LIABILITY

Our Liability.
We will have no liability to you other than to account for all amounts loaded on the Card less withdrawals, transfers and authorized fees and charges. If ECWC does not complete a transfer to, or from your account, or in the correct amount according to Our Agreement with you, even if We is negligent in failing to do so, We will not be liable for your losses or damages.
We will not be liable, for example,
(1) if an ATM or a merchant LC refuses to honor your Card;
(2) if ECWC fails to permit a withdrawal or transfer even though a sufficient prepaid amount remains on the Card for the transaction;
(3) if the ATM where you are making a withdrawal does not have enough cash;
(4) if any equipment or equipment operators and other persons involved in delivery of Card services breaks down or fails to perform resulting in defective or non delivery of such services whether as a result of ECWC' negligence or not;
(5) if access to your account has been blocked erroneously for any reason; or
(6) if there is a hold on your Card Account for any reason. ECWC' liability to you will be limited to paying for the prepaid amount loaded on the Card less withdrawals, transfers and authorized fees and charges.

Error Resolution.
In case of errors or questions about electronic Card transactions, please notify ECWC as soon as possible if you think your statement or receipt is wrong.
You may notify ECWC via telephone at the number located on Our website.

When you notify ECWC:
(1) tell ECWC your name and Card number
(2) describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information and
(3) tell ECWC the dollar amount of the suspected error.
ECWC may require that you send your complaint in question in writing within ten (10) business days. ECWC will correct any error as promptly as possible within a reasonable amount of time necessary to complete an investigation of your complaint or question. After ECWC concludes its investigation, ECWC will either credit your Card or provide you with an explanation as to why ECWC is not prepared to credit your Card.

Your Liability.
You shall notify ECWC immediately if you believe that your Card has been lost or stolen or that someone has learned your PIN or Card number. Calling ECWC and deactivating your Card is the best way of minimizing your possible losses. You shall notify ECWC immediately if your Card statement shows transfers or transactions that you did not make or authorize. If you do not notify ECWC within thirty (30) days, and if ECWC can prove that ECWC could have not prevented the fraud incident or someone from taking or using the money if you had notified ECWC in time, you may not be eligible for a refund of the funds in question.

AMENDMENT

ECWC may change the terms of this Agreement by giving you written notice required by law prior to the effective date of the change. If ECWC is unable to contact you for any reason, ECWC will post the changes on ECWC's website at www.ecashworldcard.com. You will be deemed to have proper notice thirty (30) days after the amendments are posted. You are encouraged to review ECWC's website regularly to monitor changes in the terms of this Agreement. However, if the change is made for security purposes, ECWC can implement it without prior notice.

TERMINATION

ECWC reserves the right to terminate this Agreement or any of the services that are described herein by giving you written notice. You may at any time terminate this Agreement, or any of the services to which you subscribe by giving ECWC written notice. Termination will not affect any of ECWC rights or your obligations arising under this Agreement prior to termination.

RENEWAL

The Card and this Agreement will be operable for one year after the date that the Card is activated. At the end of the initial term and any renewal term, this Agreement will be automatically renewed an additional year unless terminated. If this Agreement is terminated, you will have thirty (30) days after termination to withdraw your available balance. If you fail to do so, you may be charged administration fees for closing the account and for otherwise administering it after the thirty (30) day period has expired.

PRIVACY AND CONFIDENTIALITY

ECWC may disclose information to third parties about your Card transaction history:
(1) where it is necessary for completing transactions;
(2) in order to verify the existence and conditions of the Card and funds loaded on the Card for a third party such as a credit bureau or merchant or an LC;
(3) in order to comply with governmental agency or court orders or other legal reporting requirements; or
(4) if you give ECWC your written permission.
Information concerning your Card transaction history may be shared within ECWC's organization and with the Processor and the Bank. Other information you have given ECWC in connection with obtaining a Card, or information ECWC may receive from other third parties, also may be shared within ECWC organization and with the Processor and the Bank.

WAIVER

ECWC may waive any terms of this Agreement in a specific instance, but such a waiver shall not be construed as a continuing waiver and will not extend beyond that specific instance.

NO LIABILITY FOR THIRD PARTY PRODUCTS, SERVICES AND PREMISES

ECWC is not responsible for third parties products, services and establishments, and you agree that ECWC will not be liable for any loss, damage or injury caused to you or any other person by any products or services purchased using the Card, even if purchased from a merchant or service provider who offers discounts or benefits to Cardholders and is recommended or advertised by ECWC. Further, ECWC is not responsible and you agree ECWC will not be liable for any loss, damage, injury or death that may occur to you or any other person at or near a place that a Cardholder visits to make an ATM, Debit, or LC transaction. ECWC can change at any time the Telephone Service Provider without any notice and ECWC will not be liable for any damage or problem caused by the Telephone Service Provider. All international and domestic phone calls are billed in 1 minute increments. All sales and charges are effective from January 1, 2005. Rates are subject to be changed without notice. Calls made from pay phones will be assessed up to $0.99 fee per call. The balance of the loaded telephone card has no cash value and is non-refundable. Fees and surcharges are subject to change at any time.

TELEPHONE SERVICE

To make a long distance call, dial 888-319-2999 (this number is located on the back of your card as a reference). To access your Long Distance account, you must dial the last ten (10) digits of your card number plus your five-digit long distance pin number consecutively. As a benefit to you, your card has already been loaded with free minutes (promotional minutes may vary). As you use your minutes, the balance of your Long Distance account will be debited accordingly. Once your Long Distance balance drops below $0.50, a recharge request will occur to restore your Long Distance account balance to $3.00 within approximately 15 minutes, and your Stored Value account balance will be debited for the recharge amount. If your Stored Value account does not have enough money to recharge the Long Distance account balance back to $3.00, the Long Distance account will be recharged with whatever the available balance is on your Stored Value account. If there is a zero balance on your Stored Value account, or the recharge amount is not enough to make at least one phone call, a recharge will be attempted periodically to try and reload your Long Distance account to $3.00. Should you have any problems, please call the customer service number on the back of your card. ECWC Technologies reserves the right to adjust recharge amounts or rates at anytime. Rates may be viewed online at www.ecashworldcard.com

DISCOUNTS AND BENEFITS

At ECWC' sole discretion, ECWC reserves the right to include access to merchants, discounts, rewards and other benefits as a feature of the Card.

APPLICABLE LAW

This Agreement shall be governed by the laws of the State of Nevada and the United States Patriot Act. If any terms of this Agreement conflict with any applicable law, they will be modified to comply with such law(s).

EcashWorldCard.com SPECIFIC TOS

Liberty Reserve Loads.
All Liberty Reserve loads to cards will be processed ass recieved within a 48 hour period of time. Weekends excluded. EcashWorldcard.com reserves the right to deny service for any reason be it fraud or reported fraud. EcashWorldCard.com will also work in conjunction with Authorities to ensure the safety of the card program. In the event your card is terminated by ECWC and you have a pending transaction with EcashWorldCard.com, if your funds have not already been transfered to your card they will be refunded to you via the method you paid to the account which you paid from minus loading fees. If your funds have already been transfered to your card normal ECWC deactivation policies apply. In the event your scheduled load takes longer then the 48 hour period of time, EcashworldCard will notify you about the delay. Refunds are avaliable for orders taking longer then 4 days to load, unless it is the  weekend or a holiday.  EcashWorldCard.com does not accept loads outside of the loading form located on our webpage at www.ecashworldcard.com do not attempt to load in any other manner.

Shipping.
EcashWorldCard.com does not ship your cards directly, they will arrive from vendor to you as soon as your DD has passed. EcashWorldCard.com does not keep shipping status on cards. If you have ordered a card you will recieve it within 2-4 weeks pending approval from Mastercard.

EcashWorldCard.com releases itself from liability incurred by any fraudulent use by YOU the card holder. We also reserve the right to work with Authorities to close your account if we suspect fraud. Any and all transactions are recorded and we take fraud very seriously.  If you fail to comply with any of the terms set forth in this agreement you are under penalty and we reserve the right to take legal action.

EcashWorldCard.com is an independent distributor, and has no commercial ties to Mastercard corporation.

Exchanges

All exchanges are processed in REAL TIME, CST, within 48 hours on Business days. Some exchanges may happen during the weekend depending on order volume, however not on a normal basis.
Fees associated with exchanging vary on a day to day basis. Your order will never have any additional fees associated with it greater then 1% margin in error. If the price of currency decreases dramatically before your payment has been made to you we will honor the price quoted at time of exchange, unless it is otherwise impossible.
If at any given time we do not have the resources to complete your order, your order may be outsourced to a verified and trusted third party who does have the funds. You will not be charged anything additional for this if it occurs. This rarely happens and is a commonplace occurance when we are running low on a particular currency.
All information shared in-between parties is to be kept confedential. All transactions governed by the laws of Panama. Fees associcated with wire transfers include but are not limited to: $30 International Bankwire. $15 National Bankwire