E-wallet Long Form Fees Disclosure

(a) Consumer Liability. Tell us AT ONCE if you believe your Account code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your Account code. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within 2 Business Days after you learn of the loss or theft of your Account code, you can lose no more than $50 if someone used your Account code without your permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your Account code, and we can prove we could have stopped someone from using your Account code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by Account code or other means, tell us at once. If you do not tell us within 60 days after the statement was transmitted to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

(b) Contact in event of unauthorized transfer. If you believe your Account code has been lost or stolen, call: 1-800-456-3492 or write:

[email protected]

or

UniTeller, a division of Servicio UniTeller, Inc.
Attention: Customer Service
218 Route 17 North Rochelle Park, New Jersey 07662.

You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your Account code without your permission.

1. c)Business days. For purposes of these disclosures, “Business Day(s)” means Monday through Friday, excluding the following holidays observed by UniTeller’s offices in the United States: New Year’s Day (January 1), Martin Luther King, Jr.’s Birthday (the third Monday in January), George Washington’s Birthday (the third Monday in February), Memorial Day (the last Monday in May), Juneteenth National Independence Day (June 19), Independence Day (July 4), Labor Day (the first Monday in September), Columbus Day (the second Monday in October), Veterans Day (November 11), Thanksgiving Day (the fourth Thursday in November) and Christmas Day (December 25). If a holiday falls on a Saturday, UniTeller observes the holiday on the prior Friday. If the holiday falls on a Sunday, UniTeller observes the holiday on the following Monday.

(d) Transfer types and limitations.
⁠(1) Account access. You may use your Account code to:
⁠(i) Pay for funds transfers via the UniTeller App or UniTeller website.
⁠(ii) Make funds transfers to other Banorte Link Account holders.

(2) Limitations on access. You may not use your Account code for:
⁠(i) Making withdrawals at ATM locations.
⁠(ii) Making purchases at merchant point of sale locations.
⁠(iii) Making online purchases or online bill payments.
⁠(iv) Receiving direct deposits into your Account.
⁠(v) Making preauthorized payments.

(3) Other Limitations

Adding Funds

• Maximum e-wallet Limit: USD 10,000
• Adding funds using ACH/Debit Card: Minimum load of $25 and a Maximum Load of USD 5,000
• 7-day Period Max is USD 5,000

Transfers within the app

• P2P transfers minimum sending amount: USD 1
• P2P transfers maximum receiving/sending amount: USD 5,000
• 7-day period maximum receiving/sending amount: USD 5,000

Payments within the app

• Level, Velocity, and Compliance limits established in Send Money, Bill Payments, Topups, AFORE, and Trust Payments apply.

Withdrawing funds

• The minimum transfer amount is USD 1 or the remaining balance and a maximum of USD 3,000 in a single transfer using ACH.
• 7-day period maximum limit combined over multiple transfers using ACH  is USD 7,500.

(e) Fees. Our Account fees are set forth above. Our normal remittance fees are variable depending on your sending amount and country. Our minimum fee is $0 and maximum fee is $50.99.

⁠(f) Confidentiality. We will disclose information to third parties about your Account or the transfers you make:
⁠(i) Where it is necessary for completing transfers.
⁠(ii) In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
⁠(iii) In order to comply with government agency or court orders.
⁠(iv) If you give us your written permission.

(g) Documentation.
(1) Transfers via your Account. You can get a receipt at the time you make any transfer to or from your Account using the UniTeller App or via the UniTeller website.
(2) Transaction history statements. You will get a monthly Account statement (unless there are no transfers in a particular month. In any case you will get the statement at least quarterly). You also may check your current Account balance and transaction history by referring to the UniTeller App.

(h) Financial institution’s liability. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

(1) If, through no fault of ours, you do not have enough money in your Account to make the transfer.
(2) The funds in your Account ⁠are subject to legal process or other encumbrance restricting such transfer.

(3) If our system was not working properly and you knew about the breakdown when you started the transfer.
⁠(4) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

(5) There may be other exceptions stated in our agreement with you.

(I) Errors or Questions. In Case of Errors or Questions About Your Electronic Transfers Telephone us at 1-800-456-3492  or Write us at [email protected] as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.

(1) Tell us your name and account number (if any).

(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

(3) Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.