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Funds Protection Mode gets activated when Epass becomes concerned about your spending habits. They want you to enjoy your earnings in Epass and not waste them on frivolous purchases, so they lock the money down for a brief period. This in turn puts you behind on your bills so that when the funds become unprotected you'll be forced to spend the money only on things you really have to. Just another way Epass goes above and beyond to look out for your well being.
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