Common use of Dispute fee Clause in Contracts

Dispute fee. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal guest checkout. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute Fee rate or the High Volume Dispute Fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account in the month after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your dispute ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your disputes ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute Fee for each dispute. Otherwise, you will be charged the Standard Dispute Fee for each dispute. You will not be charged a Standard Dispute Fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • In compliance with PayPal's Seller Protection program and you have met all requirements. • Claims with a transaction value that is less than twice the amount of a Standard Dispute Fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute Fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute Fee may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. If you engage in a Restricted Activity, Paypal may charge the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. Disputes listed above may be excluded from being charged a Standard Dispute Fee or a High Volume Dispute Fee, but the claim itself may still be included in the overall calculation of your dispute ratio. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you should also be familiar with the buyer protection available to buyers in each of those countries. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for return shipping costs. • If the claim was that the item received was "Significantly Not as Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not.

Dispute fee. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal guest checkout. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute Fee fee rate or the High Volume Dispute Fee fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table table, then the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account in the month after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Unauthorised Transactions. For example, for in the month of September, your dispute disputes ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your disputes ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute Fee fee for each dispute. Otherwise, you will be charged the Standard Dispute Fee fee for each dispute. You will not be charged a Standard Dispute Fee fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • In compliance with PayPal's Seller Protection program and you Deemed by PayPal in its sole discretion to have met all requirementsthe requirements under PayPal’s Seller Protection program. • Claims with a transaction value that is less than twice the amount of a Standard Dispute Feefee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute Fee fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute Fee fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. If you engage in a Restricted Activity, Paypal may charge the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. Disputes listed above may be excluded from being charged a Standard Dispute Fee fee or a High Volume Dispute Feefee, but the claim itself may still be included in the overall calculation of your dispute ratio. For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is the amount specified on the Chargeback Fee table in the currency of the original transaction. If the transaction was in a currency not listed in the Chargeback Fee Table, the fee charged will be in your primary holding currency. If a buyer files a chargeback, the card issuer, not PayPal, will determine who wins the chargeback. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to and receive payments from buyers with PayPal accounts in countries countries/regions other than your own, you should also be familiar with the buyer protection PayPal Buyer Protection available to buyers in each of those countries/regions. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country/region: • You must forfeit will be required to reimburse PayPal for your liability. • Your liability will include the full purchase price of the item plus the original shipping costcost (and in some cases you may not receive the item back), and the PayPal fees that you were charged for the transaction. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit be liable for the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for return shipping costs. • If the claim was that the item received was "Significantly Not as Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may notnot receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal; or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided.

Dispute fee. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s 's PayPal account or through the 'Payments without a PayPal guest checkoutaccount' service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute Fee fee rate or the High Volume Dispute Fee fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account in the month after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar monthsmonths (Dispute Ratio). Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your dispute ratio Dispute Ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your disputes ratio Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute Fee fee for each dispute. Otherwise, you will be charged the Standard Dispute Fee fee for each dispute. You will not be charged a Standard Dispute Fee fee for disputes that are: • Inquiries in PayPal’s 's Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • In compliance with PayPal's Seller Protection program and you • Deemed by PayPal in its sole discretion to have met all requirementsthe requirements under PayPal’s Seller Protection program. • Claims with a transaction value that is less than twice the amount of a Standard Dispute Feefee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute Fee fee for disputes that are: • Inquiries in PayPal’s 's Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute Fee fees may be required to provide a remediation plan which includes an explanation of information to us including the cause of the their increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. If you engage in a Restricted Activity, Paypal may charge the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. Disputes listed above may be excluded from being charged a Standard Dispute Fee fee or a High Volume Dispute Feefee, but the claim itself may still be included in the overall calculation of your dispute ratioDispute Ratio. You should read For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and understand PayPal's Buyer Protection program and if where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you sell goods and services to buyers with PayPal accounts a Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in countries other than your own, you should also be familiar pursuing the chargeback with the buyer protection available to buyers in each of those countries. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for return shipping costs. • If the claim was that the item received was "Significantly Not as Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may notcard issuer.

Dispute fee. PayPal will charge a Dispute fee fees to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal guest checkoutaccount’ service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute Fee fee rate or the High Volume Dispute Fee fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account in the month after the claim is decided. The amount of the Dispute fee amount will be determined when at the time that the case for the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar monthsmonths (Dispute Ratio). Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your dispute ratio Dispute Ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your disputes ratio Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute Fee fee for each dispute. Otherwise, you will be charged the Standard Dispute Fee fee for each dispute. You will not be charged a Standard Dispute Fee fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • In compliance with PayPal's Seller Protection program and you Deemed by PayPal in its sole discretion to have met all requirementsthe requirements under PayPal’s Seller Protection program. • Claims with a transaction value that is less than twice the amount of a Standard Dispute Feefee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute Fee fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute Fee fees may be required to provide a remediation plan which includes an explanation of information to us including the cause of the their increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. If you engage in a Restricted Activity, Paypal may charge the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. Disputes listed above may be excluded from being charged a Standard Dispute Fee fee or a High Volume Dispute Feefee, but the claim itself may still be included in the overall calculation of your dispute ratioDispute Ratio. You should read For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and understand PayPal's Buyer Protection program and if where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you sell goods and services to buyers with PayPal accounts a Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in countries other than your own, you should also be familiar pursuing the chargeback with the buyer protection available to buyers in each of those countries. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for return shipping costs. • If the claim was that the item received was "Significantly Not as Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may notcard issuer.

Dispute fee. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal guest checkout. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute Fee fee rate or the High Volume Dispute Fee fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table table, then the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account in the month after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Unauthorised Transactions. For example, for in the month of September, your dispute disputes ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your disputes ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute Fee fee for each dispute. Otherwise, you will be charged the Standard Dispute Fee fee for each dispute. You will not be charged a Standard Dispute Fee fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • In compliance with PayPal's Seller Protection program and you have met all requirements. • Claims with a transaction value that is less than twice the amount of a Standard Dispute Fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute Fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute Fee may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. If you engage in a Restricted Activity, Paypal may charge the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. Disputes listed above may be excluded from being charged a Standard Dispute Fee or a High Volume Dispute Fee, but the claim itself may still be included in the overall calculation of your dispute ratio. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you should also be familiar with the buyer protection available to buyers in each of those countries. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for return shipping costs. • If the claim was that the item received was "Significantly Not as Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not.

Dispute fee. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal guest checkout. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute Fee rate or the High Volume Dispute Fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account in the month after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your dispute ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your disputes ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute Fee for each dispute. Otherwise, you will be charged the Standard Dispute Fee for each dispute. You will not be charged a Standard Dispute Fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • In compliance with PayPal's Seller Protection program and you have met all requirements. • Claims with a transaction value that is less than twice the amount of a Standard Dispute Fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute Fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute Fee may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. If you engage in a Restricted Activity, Paypal may charge the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. Disputes listed above may be excluded from being charged a Standard Dispute Fee or a High Volume Dispute Fee, but the claim itself may still be included in the overall calculation of your dispute ratio. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you should also be familiar with the buyer protection available to buyers in each of those countries. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for return shipping costs. • If the claim was that the item received was "Significantly Not as Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not.

Dispute fee. PayPal will charge a Dispute fee to sellers Fee for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal guest checkout. The Dispute fee Fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee Fee will be charged at either the Standard Dispute Fee rate or the High Volume Dispute Fee rate. The Dispute fee Fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee Fee table the fee charged will be in your primary holding currency. The Dispute fee Fee will be deducted from your PayPal account in the month after the claim is decided. The amount of the Dispute fee amount Fee will be determined when at the time that the case for the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described your claims you receive compared to the total amount of your sales for the previous three calendar months. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of a dispute raised in September, your dispute disputes ratio will be calculated by considering your total claims to sales ratio over June, July, July and August. The Your total claims ratio for September will determine the dispute fee for include all claims filed in Octoberdirectly with and escalated to PayPal, except claims for Unauthorized Transactions; and all chargebacks from the buyer’s card issuer or reversals from the buyer’s bank. If your disputes ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute Fee for each dispute. Otherwise, you will be charged the Standard Dispute Fee for each dispute. You will not be charged a Standard Dispute Fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • In compliance with Eligible for PayPal's ’s Seller Protection program and you have met all requirementsprogram. • Claims with a transaction value that is less than twice the amount of a Standard Dispute Fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute Fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute Fee may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. If you engage in a Restricted Activity, Paypal may charge the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. Disputes listed above may be excluded from being charged a Standard Dispute Fee or a High Volume Dispute Fee, but the claim itself may still be included in the overall calculation of your dispute ratio. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you should also be familiar with the buyer protection available to buyers in each of those countries. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for return shipping costs. • If the claim was that the item received was "Significantly Not as Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not.

Dispute fee. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal guest checkout. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute Fee rate or the High Volume Dispute Fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account in the month after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your dispute ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your disputes ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute Fee for each dispute. Otherwise, you will be charged the Standard Dispute Fee for each dispute. You will not be charged a Standard Dispute Fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • In compliance with PayPal's Seller Protection program and you have met all requirements. • Claims with a transaction value that is less than twice the amount of a Standard Dispute Fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute Fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute Fee may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. If you engage in a Restricted Activity, Paypal may charge the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. Disputes listed above may be excluded from being charged a Standard Dispute Fee or a High Volume Dispute Fee, but the claim itself may still be included in the overall calculation of your dispute ratio. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you should also be familiar with the buyer protection available to buyers in each of those countries. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for return shipping costs. • If the claim was that the item received was "Significantly Not as Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not.

Dispute fee. PayPal will charge a Dispute fee fees to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal guest checkoutaccount’ service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute Fee fee rate or the High Volume Dispute Fee fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account in the month after the claim is decided. The amount of the Dispute fee amount will be determined when at the time that the case for the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described your claims you receive compared to the total amount of your sales for the previous three calendar months. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactionsmonths (Disputes Ratio). For example, for the month of a dispute raised in September, your dispute ratio Disputes Ratio will be calculated by considering your total claims to sales ratio over June, July, July and August. The Your total claims ratio for September will determine the dispute fee for include all claims filed in Octoberdirectly with and escalated to PayPal, except claims for Unauthorized Transactions; and all chargebacks from the buyer’s card issuer or reversals from the buyer’s bank. If your disputes ratio Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute Fee fee for each dispute. Otherwise, you will be charged the Standard Dispute Fee fee for each dispute. You will not be charged a Standard Dispute Fee fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • In compliance with PayPal's Seller Protection program and you have met all requirements. • Claims with a transaction value that is less than twice the amount of a Standard Dispute Fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute Fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute Fee may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. If you engage in a Restricted Activity, Paypal may charge the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. Disputes listed above may be excluded from being charged a Standard Dispute Fee or a High Volume Dispute Fee, but the claim itself may still be included in the overall calculation of your dispute ratio. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you should also be familiar with the buyer protection available to buyers in each of those countries. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for return shipping costs. • If the claim was that the item received was "Significantly Not as Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not.

Dispute fee. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal guest checkout. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute Fee fee rate or the High Volume Dispute Fee fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table table, then the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account in the month after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Unauthorised Transactions. For example, for in the month of September, your dispute disputes ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your disputes ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute Fee fee for each dispute. Otherwise, you will be charged the Standard Dispute Fee fee for each dispute. You will not be charged a Standard Dispute Fee fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • In compliance with PayPal's Seller Protection program and you Deemed by PayPal in its sole discretion to have met all requirementsthe requirements under PayPal’s Seller Protection program. • Claims with a transaction value that is less than twice the amount of a Standard Dispute Fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute Fee fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute Fee fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. If you engage in a Restricted Activity, Paypal may charge the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. Disputes listed above may be excluded from being charged a Standard Dispute Fee fee or a High Volume Dispute Feefee, but the claim itself may still be included in the overall calculation of your dispute ratio. For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is the amount specified on the Chargeback Fee table in the currency of the original transaction. If the transaction was in a currency not listed in the Chargeback Fee Table, the fee charged will be in your primary holding currency. If a buyer files a chargeback, the card issuer, not PayPal, will determine who wins the chargeback. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to and receive payments from buyers with PayPal accounts in countries countries/regions other than your own, you should also be familiar with the buyer protection PayPal Buyer Protection available to buyers in each of those countries/regions. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country/region: • You must forfeit will be required to reimburse PayPal for your liability. • Your liability will include the full purchase price of the item plus the original shipping costcost (and in some cases you may not receive the item back), and the PayPal fees that you were charged for the transaction. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit be liable for the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for return shipping costs. • If the claim was that the item received was "Significantly Not as Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may notnot receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal; or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal account.

Dispute fee. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal guest checkout. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute Fee fee rate or the High Volume Dispute Fee fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table table, then the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account in the month after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described your claims you receive compared to the total amount of your sales for the previous three calendar months. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of a dispute raised in September, your dispute disputes ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The Your total claims ratio for September will determine the dispute fee for include all claims filed in Octoberdirectly with and escalated to PayPal, except claims for Unauthorized Transactions; and all chargebacks from the buyer’s card issuer or reversals from the buyer’s bank. If your disputes ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute Fee fee for each dispute. Otherwise, you will be charged the Standard Dispute Fee for each dispute. You will not be charged a Standard Dispute Fee fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • In compliance with Eligible for PayPal's ’s Seller Protection program and you have met all requirementsprogram. • Claims with a transaction value that is less than twice the amount of a Standard Dispute Feefee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute Fee fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute Fee fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. If you engage in a Restricted Activity, Paypal may charge the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. Disputes listed above may be excluded from being charged a Standard Dispute Fee fee or a High Volume Dispute Feefee, but the claim itself may still be included in the overall calculation of your dispute ratio. For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is the amount specified on the Chargeback Fee table in the currency of the original transaction. If the transaction was in a currency not listed in the Chargeback Fee Table, the fee charged will be in your primary holding currency. If a buyer files a chargeback, the card issuer, not PayPal, will determine who wins the chargeback. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to and receive payments from buyers with PayPal accounts in countries countries/regions other than your own, you should also be familiar with the buyer protection PayPal Buyer Protection available to buyers in each of those countries/regions. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country/region: • You must forfeit will be required to reimburse PayPal for your liability. • Your liability will include the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In cost (and in some cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o ), and the refund to a buyer is processed through PayPal or Venmo, as applicable, or o fees that you provide evidence acceptable to PayPal, in its sole discretion, that were charged for the buyer agreed to the alternative resolution providedtransaction. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for return shipping costs. • If the claim was that the item received was "Significantly Not as Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may notnot receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal account.

Dispute fee. PayPal will charge a Dispute fee fees to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s 's PayPal account or through the 'Payments without a PayPal guest checkoutaccount' service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute Fee fee rate or the High Volume Dispute Fee fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account in the month after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar monthsmonths (Dispute Ratio). Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your dispute ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. Dispute If your disputes ratio Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute Fee fee for each dispute. Otherwise, you will be charged the Standard Dispute Fee fee for each dispute. You will not be charged a Standard Dispute Fee fee for disputes that are: • Inquiries in PayPal’s 's Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • In compliance with PayPal's Seller Protection program and you • Deemed by PayPal in its sole discretion to have met all requirementsthe requirements under PayPal’s Seller Protection program. • Claims with a transaction value that is less than twice the amount of a Standard Dispute Feefee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute Fee fee for disputes that are: • Inquiries in PayPal’s 's Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute Fee fees may be required to provide a remediation plan which includes an explanation of information to us including the cause of the their increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. If you engage in a Restricted Activity, Paypal may charge the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. Disputes listed above may be excluded from being charged a Standard Dispute Fee fee or a High Volume Dispute Feefee, but the claim itself may still be included in the overall calculation of your dispute ratio. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you should also be familiar with the buyer protection available to buyers in each of those countries. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for return shipping costs. • If the claim was that the item received was "Significantly Not as Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may notDispute Ratio.

Dispute fee. PayPal will charge a Dispute fee fees to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s 's PayPal account or through the 'Payments without a PayPal guest checkoutaccount' service. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute Fee fee rate or the High Volume Dispute Fee fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account in the month after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar monthsmonths (Dispute Ratio). Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your dispute ratio Dispute Ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your disputes ratio Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute Fee fee for each dispute. Otherwise, you will be charged the Standard Dispute Fee fee for each dispute. You will not be charged a Standard Dispute Fee fee for disputes that are: • Inquiries in PayPal’s 's Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • In compliance with PayPal's Seller Protection program and you have met all requirements. • Claims with a transaction value that is less than twice the amount of a Standard Dispute Fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute Fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute Fee may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. If you engage in a Restricted Activity, Paypal may charge the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. Disputes listed above may be excluded from being charged a Standard Dispute Fee or a High Volume Dispute Fee, but the claim itself may still be included in the overall calculation of your dispute ratio. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you should also be familiar with the buyer protection available to buyers in each of those countries. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for return shipping costs. • If the claim was that the item received was "Significantly Not as Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not.

Dispute fee. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal guest checkout. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute Fee rate or the High Volume Dispute Fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account in the month after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your dispute ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your disputes ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute Fee for each dispute. Otherwise, you will be charged the Standard Dispute Fee for each dispute. You will not be charged a Standard Dispute Fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • In compliance with PayPal's Eligible for P ayPal’s Seller Protection program and you have met all requirementsprogram. • Claims with a transaction value that is less than twice the amount of a Standard Dispute Fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute Fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute Fee may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. If you engage in a Restricted Activity, Paypal may charge the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. Disputes listed above may be excluded from being charged a Standard Dispute Fee or a High Volume Dispute Fee, but the claim itself may still be included in the overall calculation of your dispute ratio. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you should also be familiar with the buyer protection available to buyers in each of those countries. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for return shipping costs. • If the claim was that the item received was "Significantly Not as Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not.

Dispute fee. PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal guest checkout. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute Fee rate or the High Volume Dispute Fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account in the month after the claim is decided. The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your dispute ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. If your disputes ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute Fee for each dispute. Otherwise, you will be charged the Standard Dispute Fee for each dispute. You will not be charged a Standard Dispute Fee for disputes that are: • Inquiries in PayPal’s Resolution Center that are not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. • In compliance with PayPal's Seller Protection program and you have met all requirements. • Claims with a transaction value that is less than twice the amount of a Standard Dispute Fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute Fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute Fee may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. If you engage in a Restricted Activity, Paypal may charge the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. Disputes listed above may be excluded from being charged a Standard Dispute Fee or a High Volume Dispute Fee, but the claim itself may still be included in the overall calculation of your dispute ratio. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you should also be familiar with the buyer protection available to buyers in each of those countries. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for return shipping costs. • If the claim was that the item received was "Significantly Not as Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not.