Common use of Complaints and Disputes Clause in Contracts

Complaints and Disputes. We are committed to dealing with customer complaints fairly and resolving issues in accordance with our complaints handling processes and policies and relevant regulatory standards. The Australian Securities and Investments Commission has a free Infoline on 1300 300 630 for obtaining information about your rights or making a complaint. If you have a dispute about a seller or a buyer, you should file a dispute through the Resolution Centre by logging in to your PayPal account. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia, landline only) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager PayPal Australia GPO Box 351 Sydney NSW 2001 If you have a complaint about our services, or believe your PayPal account may be subject to an unauthorised transaction, account takeover or other type of fraudulent activity, you should contact us immediately. We aim to: • Acknowledge receipt of all complaints within 24 hours (or 1 business day) of receiving it, or as soon as practicable. • Resolve all complaints within 30 days after receiving the complaint. This may not be possible in all circumstances. Where we cannot resolve a complaint within 30 days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint. We are a member of the Australian Financial Complaints Authority (“AFCA”), an independent external dispute resolution scheme covering applicable Australian customers. For more information on AFCA, please visit xxx.xxxx.xxx.xx. If you are not satisfied with our resolution or handling of your complaint you may wish to contact AFCA by: Phone: 0000 000 000 Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 Any controversy or claim at law or equity may be adjudicated by a court of competent jurisdiction located in New South Wales, Australia. You agree to submit to the non- exclusive jurisdiction of the courts of New South Wales. We may consider use of other alternative forms of dispute resolution, such as binding arbitration or non-binding mediation to be held in New South Wales, Australia or another location mutually agreed upon by the parties.

Complaints and Disputes. We are committed to dealing with customer complaints fairly and resolving issues in accordance with our complaints handling processes and policies and relevant regulatory standards. The Australian Securities and Investments Commission has a free Infoline on 1300 300 630 for obtaining information about your rights or making a complaint. If you have a dispute about a seller or a buyer, you should file a dispute through the Resolution Centre by logging in to your PayPal account. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia, landline only) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager PayPal Australia GPO Box 351 Sydney NSW 2001 If you have a complaint about our services, or believe your PayPal account may be subject to an unauthorised transaction, account takeover or other type of fraudulent activity, you should contact us immediately. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager XxxXxx Xxxxxxxxx XXX Xxx 000 Xxxxxx XXX 0000 We aim to: • Acknowledge receipt of all complaints within 24 hours (or 1 5 business day) of receiving it, or as soon as practicabledays. • Resolve all complaints within 30 days after receiving the complaint45 days. This may not be possible in all circumstances. Where we cannot resolve a complaint within 30 45 days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint. We are a member of the Australian Financial Complaints Authority (“AFCA”), an independent external dispute resolution scheme covering applicable Australian customers. For more information on AFCA, please visit xxx.xxxx.xxx.xx. If you are not satisfied with our resolution or handling of your complaint you may wish to contact AFCA by: Phone: 0000 000 000 Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 XXX Xxx 0 Xxxxxxxxx XXX 0000 Any controversy or claim at law or equity may be adjudicated by a court of competent jurisdiction located in New South Wales, Australia. You agree to submit to the non- non-exclusive jurisdiction of the courts of New South Wales. We may consider use of other alternative forms of dispute resolution, such as binding arbitration or non-binding mediation to be held in New South Wales, Australia or another location mutually agreed upon by the parties.

Complaints and Disputes. We are committed to dealing with customer complaints fairly and resolving issues in accordance with our complaints handling processes and policies and relevant regulatory standards. The Australian Securities and Investments Commission has a free Infoline on 1300 300 630 for obtaining information about your rights or making a complaint. If you have a dispute about a seller or a buyer, you should file a dispute through the Resolution Centre by logging in to your PayPal account. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia, landline only) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager PayPal Australia GPO Box 351 Sydney NSW 2001 If you have a complaint about our services, or believe your PayPal account may be subject to an unauthorised transaction, account takeover or other type of fraudulent activity, you should contact us immediately. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager XxxXxx Xxxxxxxxx XXX Xxx 000 Xxxxxx XXX 0000 We aim to: • Acknowledge receipt of all complaints within 24 hours (or 1 5 business day) of receiving it, or as soon as practicabledays. • Resolve all complaints within 30 days after receiving the complaint45 days. This may not be possible in all circumstances. Where we cannot resolve a complaint within 30 45 days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint. Referral of unresolved complaints to external dispute resolution scheme We are a member of the Australian Financial Complaints Authority (“AFCA”), an independent external dispute resolution scheme covering applicable Australian customers. For more information on AFCA, please visit xxx.xxxx.xxx.xx. If you are not satisfied with our resolution or handling of your complaint you may wish to contact AFCA by: Phone: 0000 000 000 Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 XXX Xxx 0 Xxxxxxxxx XXX 0000 Any controversy or claim at law or equity may be adjudicated by a court of competent jurisdiction located in New South Wales, Australia. You agree to submit to the non- exclusive jurisdiction of the courts of New South Wales. We may consider use of other alternative forms of dispute resolution, such as binding arbitration or non-binding mediation to be held in New South Wales, Australia or another location mutually agreed upon by the parties.

Complaints and Disputes. We are committed to dealing with customer complaints fairly and resolving issues in accordance with our complaints handling processes and policies and relevant regulatory standards. The Australian Securities and Investments Commission has a free Infoline on 1300 300 630 for obtaining information about your rights or making a complaint. If you have a dispute about a seller or a buyer, you should file a dispute through the Resolution Centre by logging in to your PayPal account. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia, landline only) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager PayPal Australia GPO Box 351 Sydney NSW 2001 If you have a complaint about our services, or believe your PayPal account may be subject to an unauthorised transaction, account takeover or other type of fraudulent activity, you should contact us immediately. We aim to: • Acknowledge receipt of all complaints within 24 hours (or 1 business day) of receiving it, or as soon as practicable. • Resolve all complaints within 30 days after receiving the complaint. This may not be possible in all circumstances. Where we cannot resolve a complaint within 30 days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint. We are a member of the Australian Financial Complaints Authority (“AFCA”), an independent external dispute resolution scheme covering applicable Australian customers. For more information on AFCA, please visit xxx.xxxx.xxx.xx. If you are not satisfied with our resolution or handling of your complaint you may wish to contact AFCA by: Phone: 0000 000 000 Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 Any controversy or claim at law or equity may be adjudicated by a court of competent jurisdiction located in New South Wales, Australia. You agree to submit to the non- exclusive jurisdiction of the courts of New South Wales. We may consider use of other alternative forms of dispute resolution, such as binding arbitration or non-binding mediation to be held in New South Wales, Australia or another location mutually agreed upon by the parties. You can send money to a friend or family member using the send money feature in your PayPal account (sometimes called “personal payments” or “peer-to-peer/P2P payments”). You can send money to a friend or family member even if they don't have a PayPal account at the time you send them money, using their email address or mobile number in any currency that PayPal supports, and you can choose which payment method you want to use. If the person to whom you are sending money does not have a PayPal account, they can claim it by opening a PayPal account. If they don't claim it, it will be refunded to you. Receiving money from a friend or family member is described under Receiving money. We may, at our discretion, impose limits on the amount of money you can send, including money you send for purchases. You can view any sending limit by logging into your PayPal account. We may increase your sending limits if you complete the same steps to verify your information as is required for the removal of withdrawal limits. When you send money to a friend or family member, one of three things may happen: they may accept, decline or fail to claim the money. If they either decline to accept the money or don't claim it within 30 days of the date it is sent, the money (including any fees you were charged) will be refunded to: • The original payment method you used for the transaction, if you used a credit card or debit card as the payment method, or • Your PayPal balance, if you used your PayPal balance as the payment method or a bank account as the payment method, once the money clears the bank. If a friend or family member sends money to you, the money will appear in your PayPal balance. To receive money in a currency your account is not configured to accept, it may be necessary to create a balance in that currency or convert the money into another currency. Certain currencies can only be received by converting the money into another currency that PayPal allows you to hold. If the money is converted, PayPal's transaction exchange rate (including our currency conversion fee) will be used. The fees applicable to sending money can be found in our Product Disclosure Statement and will be disclosed to you in advance each time you initiate a transaction to send money to a friend or family member. If you convert money in your PayPal balance from one currency to another before sending money, PayPal's transaction exchange rate (including our currency conversion fee) will be used. If you use your credit card as the payment method when sending money, you may also be charged a cash-advance fee by your card issuer. You can also use the send money feature in your PayPal account to pay for goods or services. You will not be charged any transaction fee for sending money to purchase goods or services as long as you choose the “send money to pay for goods and services” feature in your PayPal account. In that case, the seller will pay a fee. You must not use the “send money to a friend or family member” feature in your PayPal account when you are paying for goods or services.

Complaints and Disputes. We are committed to dealing with customer complaints fairly and resolving issues in accordance with our complaints handling processes and policies and relevant regulatory standards. The Australian Securities and Investments Commission has a free Infoline on 1300 300 630 for obtaining information about your rights or making a complaint. If you have a dispute about a seller or a buyer, you should file a dispute through the Resolution Centre by logging in to your PayPal account. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia, landline only) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager PayPal Australia GPO Box 351 Sydney NSW 2001 If you have a complaint about our services, or believe your PayPal account may be subject to an unauthorised transaction, account takeover or other type of fraudulent activity, you should contact us immediately. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager XxxXxx Xxxxxxxxx XXX Xxx 000 Xxxxxx XXX 0000 We aim to: •  Acknowledge receipt of all complaints within 24 hours (or 1 5 business day) of receiving it, or as soon as practicabledays. •  Resolve all complaints within 30 days after receiving the complaint45 days. This may not be possible in all circumstances. Where we cannot resolve a complaint within 30 45 days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint. We are a member of the Australian Financial Complaints Authority (“AFCA”), an independent external dispute resolution scheme covering applicable Australian customers. For more information on AFCA, please visit xxx.xxxx.xxx.xx. If you are not satisfied with our resolution or handling of your complaint you may wish to contact AFCA by: Phone: 0000 000 000 Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 XXX Xxx 0 Xxxxxxxxx XXX 0000 Any controversy or claim at law or equity may be adjudicated by a court of competent jurisdiction located in New South Wales, Australia. You agree to submit to the non- non-exclusive jurisdiction of the courts of New South Wales. We may consider use of other alternative forms of dispute resolution, such as binding arbitration or non-binding mediation to be held in New South Wales, Australia or another location mutually agreed upon by the parties.

Complaints and Disputes. We are committed to dealing with customer complaints fairly and resolving issues in accordance with our complaints handling processes and policies and relevant regulatory standards. The Australian Securities and Investments Commission has a free Infoline on 1300 300 630 for obtaining information about your rights or making a complaint. If you have a dispute about a seller or a buyer, you should file a dispute through the Resolution Centre by logging in to your PayPal account. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia, landline only) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager PayPal Australia GPO Box 351 Sydney NSW 2001 XxxXxx Xxxxxxxxx XXX Xxx 000 Xxxxxx XXX 0000 If you have a complaint about our services, or believe your PayPal account may be subject to an unauthorised transaction, account takeover or other type of fraudulent activity, you should contact us immediately. We aim to: • Acknowledge receipt of all complaints within 24 hours (or 1 business day) of receiving it, or as soon as practicable. • Resolve all complaints within 30 days after receiving the complaint. This may not be possible in all circumstances. Where we cannot resolve a complaint within 30 days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint. We are a member of the Australian Financial Complaints Authority (“AFCA”), an independent external dispute resolution scheme covering applicable Australian customers. For more information on AFCA, please visit xxx.xxxx.xxx.xx. If you are not satisfied with our resolution or handling of your complaint you may wish to contact AFCA by: Phone: 0000 000 000 Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 XXX Xxx 0 Xxxxxxxxx XXX 0000 Any controversy or claim at law or equity may be adjudicated by a court of competent jurisdiction located in New South Wales, Australia. You agree to submit to the non- exclusive jurisdiction of the courts of New South Wales. We may consider use of other alternative forms of dispute resolution, such as binding arbitration or non-binding mediation to be held in New South Wales, Australia or another location mutually agreed upon by the parties. You can send money to a friend or family member using the send money feature in your PayPal account (sometimes called “personal payments” or “peer-to-peer/P2P payments”). You can send money to a friend or family member even if they don't have a PayPal account at the time you send them money, using their email address or mobile number in any currency that PayPal supports, and you can choose which payment method you want to use. If the person to whom you are sending money does not have a PayPal account, they can claim it by opening a PayPal account. If they don't claim it, it will be refunded to you. Receiving money from a friend or family member is described under Receiving money. We may, at our discretion, impose limits on the amount of money you can send, including money you send for purchases. You can view any sending limit by logging into your PayPal account. We may increase your sending limits if you complete the same steps to verify your information as is required for the removal of withdrawal limits. When you send money to a friend or family member, one of three things may happen: they may accept, decline or fail to claim the money. If they either decline to accept the money or don't claim it within 30 days of the date it is sent, the money (including any fees you were charged) will be refunded to: • The original payment method you used for the transaction, if you used a credit card or debit card as the payment method, or • Your PayPal balance, if you used your PayPal balance as the payment method or a bank account as the payment method, once the money clears the bank. If a friend or family member sends money to you, the money will appear in your PayPal balance. To receive money in a currency your account is not configured to accept, it may be necessary to create a balance in that currency or convert the money into another currency. Certain currencies can only be received by converting the money into another currency that PayPal allows you to hold. If the money is converted, PayPal's transaction exchange rate (including our currency conversion fee) will be used. The fees applicable to sending money can be found in our Product Disclosure Statement and will be disclosed to you in advance each time you initiate a transaction to send money to a friend or family member. If you convert money in your PayPal balance from one currency to another before sending money, PayPal's transaction exchange rate (including our currency conversion fee) will be used. If you use your credit card as the payment method when sending money, you may also be charged a cash-advance fee by your card issuer. You can also use the send money feature in your PayPal account to pay for goods or services. You will not be charged any transaction fee for sending money to purchase goods or services as long as you choose the “send money to pay for goods and services” feature in your PayPal account. In that case, the seller will pay a fee. You must not use the “send money to a friend or family member” feature in your PayPal account when you are paying for goods or services.

Complaints and Disputes. We are committed to dealing with customer complaints fairly and resolving issues in accordance with our complaints handling processes and policies and relevant regulatory standards. The Australian Securities and Investments Commission has a free Infoline on 1300 300 630 for obtaining information about your rights or making a complaint. If you have a dispute about a seller or a buyer, you should file a dispute through the Resolution Centre by logging in to your PayPal account. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia, landline only) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager PayPal Australia GPO Box 351 Sydney NSW 2001 If you have a complaint about our services, or believe your PayPal account may be subject to an unauthorised transaction, account takeover or other type of fraudulent activity, you should contact us immediately. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager XxxXxx Xxxxxxxxx XXX Xxx 000 Xxxxxx XXX 0000 We aim to: • Acknowledge receipt of all complaints within 24 hours (or 1 5 business day) of receiving it, or as soon as practicabledays. • Resolve all complaints within 30 days after receiving the complaint45 days. This may not be possible in all circumstances. Where we cannot resolve a complaint within 30 45 days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint. We are a member of the Australian Financial Complaints Authority (“AFCA”), an independent external dispute resolution scheme covering applicable Australian customers. For more information on AFCA, please visit xxx.xxxx.xxx.xx. If you are not satisfied with our resolution or handling of your complaint you may wish to contact AFCA by: Phone: 0000 000 000 Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 XXX Xxx 0 Xxxxxxxxx XXX 0000 Any controversy or claim at law or equity may be adjudicated by a court of competent jurisdiction located in New South Wales, Australia. You agree to submit to the non- exclusive jurisdiction of the courts of New South Wales. We may consider use of other alternative forms of dispute resolution, such as binding arbitration or non-binding mediation to be held in New South Wales, Australia or another location mutually agreed upon by the parties. Sending Money to or Receiving Money From a Friend or Family Member You can send money to a friend or family member using the send money feature in your PayPal account (sometimes called “personal payments” or “peer-to-peer/P2P payments”). You can send money to a friend or family member even if they don’t have a PayPal account at the time you send them money, using their email address or mobile number in any currency that PayPal supports, and you can choose which payment method you want to use. If the person to whom you are sending money does not have a PayPal account, they can claim it by opening a PayPal account. If they don’t claim it, it will be refunded to you. Receiving money from a friend or family member is described under Receiving money. We may, at our discretion, impose limits on the amount of money you can send, including money you send for purchases. You can view any sending limit by logging into your PayPal account. We may increase your sending limits if you complete the same steps to verify your information as is required for the removal of withdrawal limits. When you send money to a friend or family member, one of three things may happen: they may accept, decline or fail to claim the money. If they either decline to accept the money or don’t claim it within 30 days of the date it is sent, the money (including any fees you were charged) will be refunded to: • The original payment method you used for the transaction, if you used a credit card or debit card as the payment method, or • Your PayPal balance, if you used your PayPal balance as the payment method or a bank account as the payment method, once the money clears the bank. If a friend or family member sends money to you, the money will appear in your PayPal balance. To receive money in a currency your account is not configured to accept, it may be necessary to create a balance in that currency or convert the money into another currency. Certain currencies can only be received by converting the money into another currency that PayPal allows you to hold. If the money is converted, PayPal’s transaction exchange rate (including our currency conversion fee) will be used. Fees for Sending Money to Friends and Family The fees applicable to sending money can be found in our Product Disclosure Statement and will be disclosed to you in advance each time you initiate a transaction to send money to a friend or family member. If you convert money in your PayPal balance from one currency to another before sending money, PayPal’s transaction exchange rate (including our currency conversion fee) will be used. If you use your credit card as the payment method when sending money, you may also be charged a cash-advance fee by your card issuer. You can also use the send money feature in your PayPal account to pay for goods or services. You will not be charged any transaction fee for sending money to purchase goods or services as long as you choose the “send money to pay for goods and services” feature in your PayPal account. In that case, the seller will pay a fee. You must not use the “send money to a friend or family member” feature in your PayPal account when you are paying for goods or services. Buying Something From, or Returning Something to, a Seller Who Accepts PayPal You can buy something from a seller who accepts PayPal, in any currency that the seller accepts and that PayPal supports, using the funds in your PayPal balance, or using any payment method linked to your PayPal account. This includes, for example: • Buying something at an online retailer’s website and selecting PayPal as your payment method at checkout. • Sending money to a seller for goods or services. • Using your PayPal account to buy something at a seller’s physical store. When you send funds you authorise us to: • Debit funds on your behalf from your applicable payment method; • Transfer the funds to the recipient according to your instructions and subject to this agreement; and • Resubmit any debit, or submit it to another payment method, if it is returned for insufficient or uncollected funds. If the seller you are buying from sells goods or services on a third party website or application and that seller does not already have a PayPal account, they can claim your payment by opening a PayPal account. If they don’t open a PayPal account within 30 days, your purchase will be refunded. In order to manage risk, PayPal may limit the payment methods available for a transaction when you buy something. In addition, payment methods may be limited for certain sellers or if you make a PayPal payment through certain third party websites or applications. When you authorise a payment to a seller who accepts PayPal, some sellers may take up to 30 days to complete the transaction. In these instances, your payment may appear as a pending order in your PayPal account. In that case, your authorisation of the payment will remain valid until the seller completes the transaction (but no longer than 30 days). If you used a debit or credit card as the payment method, your debit or credit card issuer also may show a pending authorisation for a period of time until they release the hold or receive a completed transaction. If your payment requires a currency conversion by us, the transaction exchange rate will be determined and applied as described in the Currency Conversion section), and may be the rate at the time the payment is processed.

Complaints and Disputes. We are committed to dealing with customer complaints fairly and resolving issues in accordance with our complaints handling processes and policies and relevant regulatory standards. The Australian Securities and Investments Commission has a free Infoline on 1300 300 630 for obtaining information about your rights or making a complaint. If you have a dispute about a seller or a buyer, you should file a dispute through the Resolution Centre by logging in to your PayPal account. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia, landline only) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager PayPal Australia GPO Box 351 Sydney NSW 2001 If you have a complaint about our services, or believe your PayPal account may be subject to an unauthorised transaction, account takeover or other type of fraudulent activity, you should contact us immediately. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager PayPal Australia GPO Box 351 Sydney NSW 2001 We aim to: • Acknowledge receipt of all complaints within 24 hours (or 1 5 business day) of receiving it, or as soon as practicabledays. • Resolve all complaints within 30 days after receiving the complaint45 days. This may not be possible in all circumstances. If your complaint is in relation to PayPal Credit Pty Ltd’s credit reporting practices, please refer to your PayPal Pay in 4 contract for more details. Where we cannot resolve a complaint within 30 45 days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint. We are a member of the Australian Financial Complaints Authority (“AFCA”), an independent external dispute resolution scheme covering applicable Australian customers. For more information on AFCA, please visit xxx.xxxx.xxx.xx. If you are not satisfied with our resolution or handling of your complaint you may wish to contact AFCA by: Phone: 0000 000 000 Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 Any controversy or claim at law or equity may be adjudicated by a court of competent jurisdiction located in New South Wales, Australia. You agree to submit to the non- exclusive jurisdiction of the courts of New South Wales. We may consider use of other alternative forms of dispute resolution, such as binding arbitration or non-binding mediation to be held in New South Wales, Australia or another location mutually agreed upon by the parties. You can send money to a friend or family member using the send money feature in your PayPal account (sometimes called “personal payments” or “peer-to-peer/P2P payments”). You can send money to a friend or family member even if they don't have a PayPal account at the time you send them money, using their email address or mobile number in any currency that PayPal supports, and you can choose which payment method you want to use. If the person to whom you are sending money does not have a PayPal account, they can claim it by opening a PayPal account. If they don't claim it, it will be refunded to you. Receiving money from a friend or family member is described under Receiving money. We may, at our discretion, impose limits on the amount of money you can send, including money you send for purchases. You can view any sending limit by logging into your PayPal account. We may increase your sending limits if you complete the same steps to verify your information as is required for the removal of withdrawal limits. When you send money to a friend or family member, one of three things may happen: they may accept, decline or fail to claim the money. If they either decline to accept the money or don't claim it within 30 days of the date it is sent, the money (including any fees you were charged) will be refunded to: • The original payment method you used for the transaction, if you used a credit card or debit card as the payment method, or • Your PayPal balance, if you used your PayPal balance as the payment method or a bank account as the payment method, once the money clears the bank. If a friend or family member sends money to you, the money will appear in your PayPal balance. To receive money in a currency your account is not configured to accept, it may be necessary to create a balance in that currency or convert the money into another currency. Certain currencies can only be received by converting the money into another currency that PayPal allows you to hold. If the money is converted, PayPal's transaction exchange rate (including our currency conversion fee) will be used. The fees applicable to sending money can be found in our Product Disclosure Statement and will be disclosed to you in advance each time you initiate a transaction to send money to a friend or family member. If you convert money in your PayPal balance from one currency to another before sending money, PayPal's transaction exchange rate (including our currency conversion fee) will be used. If you use your credit card as the payment method when sending money, you may also be charged a cash-advance fee by your card issuer. You can also use the send money feature in your PayPal account to pay for goods or services. You will not be charged any transaction fee for sending money to purchase goods or services as long as you choose the “send money to pay for goods and services” feature in your PayPal account. In that case, the seller will pay a fee. You must not use the “send money to a friend or family member” feature in your PayPal account when you are paying for goods or services.

Complaints and Disputes. We are committed If you have any concerns or wish to dealing with customer complaints fairly make a complaint in relation to this policy, our services or your insurance claim, please let us know and resolving issues we will attempt to resolve your concerns in accordance with our complaints handling processes and policies and relevant regulatory standardsInternal Dispute Resolution procedure. The Australian Securities and Investments Commission has a free Infoline on 1300 300 630 for obtaining information about your rights or making a complaint. If you have a dispute about a seller or a buyerPlease contact Precision Underwriting Pty Ltd in the first instance via: Xxxx Xxxxxxx - Complaints Officer Precision Underwriting Xxxxx 0, you should file a dispute through the Resolution Centre by logging in to your PayPal account. You can report complaints about our Services by: 000 Xxxxxxx Xxxxx Xxxxxxx, Xxxxx XXX 0000 Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx xxxx@xxxxxxxxxxxxxxxxxxxxx.xxx.xx Phone: 0000 000 000 (within Australia, landline only) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager PayPal Australia GPO Box 351 Sydney NSW 2001 If you have a complaint about our services, or believe your PayPal account may be subject to an unauthorised transaction, account takeover or other type of fraudulent activity, you should contact us immediately. We aim to: • Acknowledge will acknowledge receipt of all complaints your complaint and do our utmost to resolve the complaint to your satisfaction within 24 hours (or 1 10 business day) of receiving it, or as soon as practicabledays. • Resolve all complaints within 30 days after receiving the complaint. This may not be possible in all circumstances. Where If we cannot resolve a your complaint within 30 daysto your satisfaction, we will notify escalate your matter to Xxxxx’x Australia who will determine whether it will be reviewed by their office or the Lloyd’s UK Complaints team. Xxxxx’x contact details are: Lloyd’s Australia Limited Email: xxxxxxxxxxxx@xxxxxx.xxx Telephone: (00) 0000 0000 Post: Xxxxx 0000 Xxxxx 00, 0 Xxxxxxxxx Xxxxx, Xxxxxx XXX 0000 A final decision will be provided to you within 30 calendar days of the reason for date on which you first made the delay as well as an indication of when we expect complaint unless certain exceptions apply. You may refer your complaint to resolve the complaint. We are a member of the Australian Financial Complaints Authority (“AFCA”), an independent external dispute resolution scheme covering applicable Australian customers. For more information on AFCA, please visit xxx.xxxx.xxx.xx. If you are not satisfied with our resolution or handling of if your complaint is not resolved to your satisfaction within 30 calendar days of the date on which you may wish to contact first made the complaint or at any time. AFCA bycan be contacted as follows: PhoneTelephone: 0000 000 000 MailEmail: Australian Financial Complaints Authority xxxx@xxxx.xxx.xx Post: GPO Box 3 Melbourne VIC 3001 Any controversy or claim at law or equity Website: xxx.xxxx.xxx.xx Your complaint must be referred to AFCA within 2 years of the final decision, unless AFCA considers special circumstances apply. If your complaint is not eligible for consideration by AFCA, you may be adjudicated by a court of competent jurisdiction located in New South Wales, Australiareferred to the Financial Ombudsman Service (UK) or you can seek independent legal advice. You can also access any other external dispute resolution or other options that may be available to you. The Underwriters accepting this Insurance agree to submit to the non- exclusive jurisdiction of the courts of New South Wales. We may consider use of other alternative forms of dispute resolution, such as binding arbitration or non-binding mediation to be held in New South Wales, Australia or another location mutually agreed upon by the parties.that:

Complaints and Disputes. We are committed to dealing with customer complaints fairly and resolving issues in accordance with our complaints handling processes and policies and relevant regulatory standards. The Australian Securities and Investments Commission has a free Infoline on 1300 300 630 for obtaining information about your rights or making a complaint. If you have a dispute about a seller or a buyer, you should file a dispute through the Resolution Centre by logging in to your PayPal account. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia, landline only) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager PayPal Australia GPO Box 351 Sydney NSW 2001 If you have a complaint about our services, or believe your PayPal account may be subject to an unauthorised transaction, account takeover or other type of fraudulent activity, you should contact us immediately. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager XxxXxx Xxxxxxxxx XXX Xxx 000 Xxxxxx XXX 0000 We aim to: • Acknowledge receipt of all complaints within 24 hours (or 1 5 business day) of receiving it, or as soon as practicabledays. • Resolve all complaints within 30 days after receiving the complaint45 days. This may not be possible in all circumstances. Where we cannot resolve a complaint within 30 45 days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint. We are a member of the Australian Financial Complaints Authority (“AFCA”), an independent external dispute resolution scheme covering applicable Australian Phone: 0000 000 000 Mail: Australian Financial Complaints Authority XXX Xxx 0 Xxxxxxxxx XXX 0000 customers. For more information on AFCA, please visit xxx.xxxx.xxx.xx. If you are not satisfied with our resolution or handling of your complaint you may wish to contact AFCA by: Phone: 0000 000 000 Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 Any controversy or claim at law or equity may be adjudicated by a court of competent jurisdiction located in New South Wales, Australia. You agree to submit to the non- non-exclusive jurisdiction of the courts of New South Wales. We may consider use of other alternative forms of dispute resolution, such as binding arbitration or non-binding mediation to be held in New South Wales, Australia or another location mutually agreed upon by the parties. Sending Money to or Receiving Money From a Friend or Family Member You can send money to a friend or family member using the send money feature in your PayPal account (sometimes called “personal payments” or “peer-to-peer/P2P payments”). You can send money to a friend or family member even if they don’t have a PayPal account at the time you send them money, using their email address or mobile number in any currency that PayPal supports, and you can choose which payment method you want to use. If the person to whom you are sending money does not have a PayPal account, they can claim it by opening a PayPal account. If they don’t claim it, it will be refunded to you. Receiving money from a friend or family member is described under Receiving money. We may, at our discretion, impose limits on the amount of money you can send, including money you send for purchases. You can view any sending limit by logging into your PayPal account. We may increase your sending limits if you complete the same steps to verify your information as is required for the removal of withdrawal limits. When you send money to a friend or family member, one of three things may happen: they may accept, decline or fail to claim the money. If they either decline to accept the money or don’t claim it within 30 days of the date it is sent, the money (including any fees you were charged) will be refunded to: • The original payment method you used for the transaction, if you used a credit card or debit card as the payment method, or • Your PayPal balance, if you used your PayPal balance as the payment method or a bank account as the payment method, once the money clears the bank. If a friend or family member sends money to you, the money will appear in your PayPal balance. To receive money in a currency your account is not configured to accept, it may be necessary to create a balance in that currency or convert the money into another currency. Certain currencies can only be received by converting the money into another currency that PayPal allows you to hold. If the money is converted, PayPal’s transaction exchange rate (including our currency conversion fee) will be used. Fees for Sending Money to Friends and Family The fees applicable to sending money can be found in our Product Disclosure Statement and will be disclosed to you in advance each time you initiate a transaction to send money to a friend or family member. If you convert money in your PayPal balance from one currency to another before sending money, PayPal’s transaction exchange rate (including our currency conversion fee) will be used. If you use your credit card as the payment method when sending money, you may also be charged a cash-advance fee by your card issuer. You can also use the send money feature in your PayPal account to pay for goods or services. You will not be charged any transaction fee for sending money to purchase goods or services as long as you choose the “send money to pay for goods and services” feature in your PayPal account. In that case, the seller will pay a fee. You must not use the “send money to a friend or family member” feature in your PayPal account when you are paying for goods or services. Buying Something From, or Returning Something to, a Seller Who Accepts PayPal You can buy something from a seller who accepts PayPal, in any currency that the seller accepts and that PayPal supports, using the funds in your PayPal balance, or using any payment method linked to your PayPal account. This includes, for example: • Buying something at an online retailer’s website and selecting PayPal as your payment method at checkout. • Sending money to a seller for goods or services. • Using your PayPal account to buy something at a seller’s physical store. When you send funds you authorise us to: • Debit funds on your behalf from your applicable payment method; • Transfer the funds to the recipient according to your instructions and subject to this agreement; and • Resubmit any debit, or submit it to another payment method, if it is returned for insufficient or uncollected funds. If the seller you are buying from sells goods or services on a third party website or application and that seller does not already have a PayPal account, they can claim your payment by opening a PayPal account. If they don’t open a PayPal account within 30 days, your purchase will be refunded. In order to manage risk, PayPal may limit the payment methods available for a transaction when you buy something. In addition, payment methods may be limited for certain sellers or if you make a PayPal payment through certain third party websites or applications. When you authorise a payment to a seller who accepts PayPal, some sellers may take up to 30 days to complete the transaction. In these instances, your payment may appear as a pending order in your PayPal account. In that case, your authorisation of the payment will remain valid until the seller completes the transaction (but no longer than 30 days). If you used a debit or credit card as the payment method, your debit or credit card issuer also may show a pending authorisation for a period of time until they release the hold or receive a completed transaction. If your payment requires a currency conversion by us, the transaction exchange rate will be determined and applied as described in the Currency Conversion section), and may be the rate at the time the payment is processed.

Complaints and Disputes. We are committed to dealing with customer complaints fairly and resolving issues in accordance with our complaints handling processes and policies and relevant regulatory standards. The Australian Securities and Investments Commission has a free Infoline on 1300 300 630 for obtaining information about your rights or making a complaint. If you have a dispute about a seller or a buyer, you should file a dispute through the Resolution Centre by logging in to your PayPal account. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia, landline only) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager PayPal Australia GPO Box 351 Sydney NSW 2001 If you have a complaint about our services, or believe your PayPal account may be subject to an unauthorised transaction, account takeover or other type of fraudulent activity, you should contact us immediately. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager XxxXxx Xxxxxxxxx XXX Xxx 000 Xxxxxx XXX 0000 We aim to: • Acknowledge receipt of all complaints within 24 hours (or 1 5 business day) of receiving it, or as soon as practicabledays. • Resolve all complaints within 30 days after receiving the complaint45 days. This may not be possible in all circumstances. Where we cannot resolve a complaint within 30 45 days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint. Referral of unresolved complaints to external dispute resolution scheme We are a member of the Australian Financial Complaints Authority (“AFCA”), an independent external dispute resolution scheme covering applicable Australian customers. For more information on AFCA, please visit xxx.xxxx.xxx.xx. If you are not satisfied with our resolution or handling of your complaint you may wish to contact AFCA by: Phone: 0000 000 000 Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 XXX Xxx 0 Xxxxxxxxx XXX 0000 Any controversy or claim at law or equity may be adjudicated by a court of competent jurisdiction located in New South Wales, Australia. You agree to submit to the non- exclusive jurisdiction of the courts of New South Wales. We may consider use of other alternative forms of dispute resolution, such as binding arbitration or non-binding mediation to be held in New South Wales, Australia or another location mutually agreed upon by the parties.

Complaints and Disputes. We are committed to dealing with customer complaints fairly and resolving issues in accordance with our complaints handling processes and policies and relevant regulatory standards. The Australian Securities and Investments Commission has a free Infoline on 1300 300 630 for obtaining information about your rights or making a complaint. If you have a dispute about a seller or a buyer, you should file a dispute through the Resolution Centre by logging in to your PayPal account. You can report complaints about our Services by: Email: xxxxxxxxxxxxxxxxxxxxxx@xxxxxx.xxx Phone: 0000 000 000 (within Australia, landline onlya) or +00 0 0000 0000 Support Hours are available on our Contact Us page. Mail: Customer Advocacy Manager PayPal Australia GPO Box 351 Sydney NSW 2001 If you have a complaint about our services, or believe your PayPal account may be subject to an unauthorised transaction, account takeover or other type of fraudulent activity, you should contact us immediately. We aim to: • : (i) Acknowledge receipt of all complaints within 24 hours 5 business days; and (or 1 business dayii) of receiving it, or as soon as practicable. • Resolve all complaints within 30 days after receiving 28 days. (b) If you wish to raise a dispute or submit a complaint to us, you should do so by contacting us using the complaintdetails listed below. This Disputes should be raised with us as soon as possible. Email: xxxx@xxxxxxx.xxx.xx (c) We may not be possible request additional documentation from you to assist us in resolving any complaints or disputes, and you must provide all circumstances. reasonable assistance to us to facilitate us in resolving any complaints or disputes. (d) Where we cannot resolve a complaint dispute within 30 28 days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint. We complaint or dispute. (e) If you are a member not satisfied with the outcome of your complaint after it has been through our internal disputes process above, you can contact the Australian Financial Complaints Authority (“AFCA”), an independent external dispute resolution scheme covering applicable Australian customers) using the contact details listed below. For more information on AFCA, please visit xxx.xxxx.xxx.xx. If you are not satisfied with our resolution or handling of your complaint you may wish to contact AFCA byEmail: xxxx@xxxx.xxx.xx Website: xxx.xxxx.xxx.xx Phone: 0000 000 000 Mail(free call) In writing to: Australian Financial Complaints Authority GPO Box 3 3, Melbourne VIC 3001 Any controversy 3001 (f) Where your Card is used for Unauthorised Transactions, we will seek to reverse the transaction if we can under the Mastercard Scheme Rules (see clause 36 regarding chargebacks). Your ability to dispute a transaction or claim at law or equity reverse an Unauthorised Transaction may be adjudicated by a court of competent jurisdiction located in New South Wales, Australialost if you do not notify us immediately. You agree It is your responsibility to submit regularly review your online transaction history to the non- exclusive jurisdiction of the courts of New South Wales. We may consider use of other alternative forms of dispute resolution, such as binding arbitration or non-binding mediation to be held in New South Wales, Australia or another location mutually agreed upon by the partiesidentify Unauthorised Transactions.