Common use of Holds, Limitations, and Reserves Clause in Contracts

Holds, Limitations, and Reserves. What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is shall not be available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll 'll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 30 days from the date the payment was received into your PayPal accountaccount unless PayPal has a reason to continue to hold the payment. We may release the hold earlier under certain circumstances (for example, if you’ve 've uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 30 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll 'll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days)resolved. Holds related to Marketplace transactions If you’re 're a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- third-party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll 'll lift the temporary hold. If we determine the transaction should be reversed, we’ll 'll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving fundspayments. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why we may limit your access to your PayPal account could be limitedor the PayPal services, and/or limit access to your funds, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll 'll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactionsactivity. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised unauthorized transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve 've received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. If we limit access to your PayPal account, we'll provide you with notice of our actions and the opportunity to request restoration of access if, in our sole discretion, we deem it appropriate. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. ‌ What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is shall not be available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is shall not be available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll 'll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 30 days from the date the payment was received into your PayPal accountaccount unless PayPal has a reason to continue to hold the payment. We may release the hold earlier under certain circumstances (for example, if you’ve 've uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 30 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll 'll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days)resolved. Holds related to Marketplace transactions If you’re 're a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- third-party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-third- party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll 'll lift the temporary hold. If we determine the transaction should be reversed, we’ll 'll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving fundspayments. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why we may limit your access to your PayPal account could be limitedor the PayPal services, and/or limit access to your funds, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll 'll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactionsactivity. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised unauthorized transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve 've received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. If we limit access to your PayPal account, we'll provide you with notice of our actions and the opportunity to request restoration of access if, in our sole discretion, we deem it appropriate. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is are not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 30 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 30 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending payments or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactionsactivity. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised unauthorized transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is are not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 30 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 30 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending payments or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactionsactivity. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised unauthorized transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves reserves? Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but actions and the opportunity to request restoration of access if we retain the sole discretion to take these actionsdeem it appropriate. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria according to applicable law and/or that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you, except when such procedures do not involve confidential criteria. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 30 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 30 days if the if: • The payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved. • PayPal suspects that you may have violated the terms of this agreement or any other policy and that such a violation requires us to continue holding the funds. • PayPal suspects that you may be engaging in potentially fraudulent or suspicious activity and/or transactions. In such an event, PayPal may continue holding the payment in your account until the matter is resolved (but no longer than 180 days)pursuant to this agreement. Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- third-party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-third- party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving fundsmoney. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactionsactivity. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised unauthorized transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our parent companies, subsidiaries and affiliates, our users, a third party, or you from reversals, chargebacks, claims, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. ‌‌ What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is shall not be available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal BANEKS and the security and integrity of the network of buyers and sellers customers that use the PayPal BANEKS services, PayPal BANEKS may take account- account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center contact support from our website or software or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPalBANEKS, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal BANEKS account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to To facilitate PayPalBANEKS’s actions described above and allow us to assess the level of risk associated with your PayPal BANEKS account, you agree to cooperate with PayPalBANEKS’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal BANEKS may take under certain circumstances either at the transaction level or the account level. When PayPal BANEKS places a temporary hold on a payment, the funds money is not available to either the sender or the recipient. PayPal BANEKS reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPalBANEKS’s risk decisions We may place a hold on payments sent to your PayPal BANEKS account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal BANEKS account, or your transactions or that placing such a hold is necessary to comply with federal or provincial regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal BANEKS account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal BANEKS account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal BANEKS account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal BANEKS account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal BANEKS account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal BANEKS account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves reserves? Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but actions and the opportunity to request restoration of access if we retain the sole discretion to take these actionsdeem it appropriate. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria according to applicable law and/or that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you, except when such procedures do not involve confidential criteria. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 30 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 30 days if the if: • The payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved. • PayPal suspects that you may have violated the terms of this agreement or any other policy and that such a violation requires us to continue holding the funds. • PayPal suspects that you may be engaging in potentially fraudulent or suspicious activity and/or transactions. In such an event, PayPal may continue holding the payment in your account until the matter is resolved (but no longer than 180 days)pursuant to this agreement. Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving fundsmoney. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactionsactivity. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised unauthorized transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our parent companies, subsidiaries and affiliates, our users, a third party, or you from reversals, chargebacks, claims, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are General information about holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- level or transaction-level actions. Unless otherwise notedset out below, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. We hold funds to review and mitigate any actual or reasonably anticipated risk to us or our users. In order to facilitate PayPal’s 's actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s 's reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A In what ways may we hold is an action that PayPal funds? Funds may take under certain circumstances either at be held in one or more of the transaction level or following ways: • Transaction holds - Specific transactions may be held, such as if your buyer disputes the payment in one of the Refunds, Reversals and Chargebacks situations; • Release amounts - Funds you receive may be subject to a release amount; • Reserves - Funds you receive may be subject to a reserve; and • Account limitations - Your access to funds may be restricted because your account levelhas been limited. When PayPal places a temporary do we hold on a payment, the funds? We hold funds is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments includewhen: • New sellers or sellers who have limited selling activity. We need to ensure the integrity of a transaction; • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be there's a high level of risk associated with you, your PayPal account, you or your transactions account; • You receive a dispute, claim, chargeback or reversal in relation to any funds received into your account; • A marketplace or third party application where PayPal is offered requests that placing such we do so (if you have questions about why the marketplaces requested the hold, you will need to contact the marketplace or third party directly); • You do not meet certain seller or risk standards when listing on eBay; • You are a hold is necessary new seller or have a limited history with eBay; or • We need to comply with regulatory requirementsthe law. We make decisions about whether to place a payment hold based on What do we consider before holding funds? Before holding funds, we consider a number of factors, including information available to us from both internal sources and third parties, such as: • Information you provide us, such as your business history and financial details; • Publicly available information; • Your industry; • Your selling activity; • Past disputes or dissatisfaction of your customers; • Information we receive from related third parties; • Whether the funds are related to an irregular or unusual transaction; and • Other related information. When we place a hold on a paymentThe more you use your account, the more we know about your activity. As such, our risk assessment may change and we may increase or decrease the amount of funds will appear in your PayPal account with an indication we hold based on that they changed assessment. How long do we hold funds? For transaction holds and release amounts: Funds are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place usually held for up to 21 days from the date the payment was received into your PayPal account. Funds may be held for longer than 21 days if: • We believe that the increased risk associated with you or your account remains after 21 days; • If you are a seller, we expect the delivery time of your goods or services to be longer than 21 days; • You receive a dispute, claim, chargeback or reversal relating to the transaction subject to the hold; and/or • We have taken another action permitted by this agreement, such as when you are required to verify your identity. We may release the a hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to than 21 days where we reasonably believe that the transaction), but any relevant transaction has successfully completed. Any earlier release is at our sole discretion. The hold Funds held for buyer disputes may last longer than 21 days if not be released until we consider the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is dispute resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves reserves? Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but actions and the opportunity to request restoration of access if we retain the sole discretion to take these actionsdeem it appropriate. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria according to applicable law and/or that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you, except when such procedures do not involve confidential criteria. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account statement with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 30 days from the date the payment was received into your PayPal accountby you. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 30 days if the if: • The payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment until the matter is resolved. • PayPal suspects that you may have violated the terms of this agreement or any other policy and that such a violation requires us to continue holding the funds. • PayPal suspects that you may be engaging in your potentially fraudulent or suspicious activity and/or transactions. In such an event, PayPal account may continue holding the payment until the matter is resolved (but no longer than 180 days)pursuant to this agreement. Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal accountaccount statement. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account you receive to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll (i) remove the funds from your Balance Business Account; or (ii) if you have a Personal Account or Premier Account, we will deduct the amounts from any credit you may have against PayPal accountor any future payments that you receive. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving fundsmoney. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactionsactivity. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised unauthorized transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our parent companies, subsidiaries and affiliates, our users, a third party, or you from reversals, chargebacks, claims, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves reserves? Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but actions and the opportunity to request restoration of access if we retain the sole discretion to take these actionsdeem it appropriate. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria according to applicable law and/or that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you, except when such procedures do not involve confidential criteria. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to To facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with federal or provincial regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- third-party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-third- party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations‌ Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving fundsmoney. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactionsactivity. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised unauthorized transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves reserves? Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is shall not be available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s 's risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll 'll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 30 days from the date the payment was received into your PayPal accountaccount unless PayPal has a reason to continue to hold the payment. We may release the hold earlier under certain circumstances (for example, if you’ve 've uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 30 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll 'll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days)resolved. Holds related to Marketplace transactions If you’re 're a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- third-party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll 'll lift the temporary hold. If we determine the transaction should be reversed, we’ll 'll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with certain legal or regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 30 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 30 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days)resolved. Holds related to Marketplace marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- third - party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll 'll lift the temporary hold. If we determine the transaction should be reversed, we’ll 'll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving fundspayments. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll 'll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactionsactivity. • If your credit or debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised unauthorized transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve 've received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. ‌‌ What are holds, limitations and reserves reserves? Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but actions and the opportunity to request restoration of access if we retain the sole discretion to take these actionsdeem it appropriate. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria according to applicable law and/or that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you, except when such procedures do not involve confidential criteria. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 30 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 30 days if the if: • The payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactionsresolved. • If your debit or credit card issuer alerts us PayPal suspects that someone has used your card without your permission. Similarly, if your bank lets us know that there you may have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached violated the terms of this agreement or violated any other policy and that such a violation requires us to continue holding the Acceptable Use Policyfunds. • Seller performance indicating your PayPal account is high risksuspects that you may be engaging in potentially fraudulent or suspicious activity and/or transactions. Examples include: indications of poor selling performance because you’ve received In such an unusually high number of claims and chargebacks selling an entirely new or high cost productevent, or if your typical sales volume increases rapidly. You will need to resolve any issues with PayPal may continue holding the payment in your account before a limitation can be removed. Normally, until the matter is resolved pursuant to this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liabilityagreement.

Holds, Limitations, and Reserves. What are holds, limitations and reserves reserves? Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is shall not be available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s 's risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll 'll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 30 days from the date the payment was received into your PayPal accountaccount unless PayPal has a reason to continue to hold the payment. We may release the hold earlier under certain circumstances (for example, if you’ve 've uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 30 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll 'll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days)resolved. Holds related to Marketplace transactions If you’re 're a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- third-party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-third- party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll 'll lift the temporary hold. If we determine the transaction should be reversed, we’ll 'll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are General Information about holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- account-level or transaction-level actions. Unless otherwise notedset out below, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. We hold funds to review and mitigate any actual or reasonably anticipated risk to us or our users. In order what ways may we hold funds? Funds may be held in one or more of the following ways: • Transaction holds - Specific transactions may be held, such as if your buyer disputes the payment in one of the Refunds, Reversals and Chargebacks situations; • Release amounts - Funds you receive may be subject to facilitate PayPala release amount; • Reserves - Funds you receive may be subject to a reserve; and • Account limitations - Your access to funds may be restricted because your account has been limited. When do we hold funds? We hold funds when: • We need to ensure the integrity of a transaction; • We believe that there’s actions described above and allow us to assess the level of a risk associated with you or your account; • You receive a dispute, claim, chargeback or reversal in relation to any funds received into your account; • A marketplace or third party application where PayPal accountis offered requests that we do so (if you have questions about why the marketplaces requested the hold, you agree will need to cooperate contact the marketplace or third party directly); • You do not meet certain seller or risk standards when listing on eBay; • You are a new seller or have a limited history with PayPal’s reasonable requests for financial statements and other documentation eBay; or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary need to comply with regulatory requirementsthe law. We make decisions about whether to place a payment hold based on What do we consider before holding funds? Before holding funds, we consider a number of factors, including information available to us from both internal sources and third parties, such as: • Information you provide us, such as your business history and financial details; • Publicly available information; • Your industry; • Your selling activity; • Past disputes or dissatisfaction of your customers; • Information we receive from related third parties; • Whether the funds are related to an irregular or unusual transaction; and • Other related information. When we place a hold on a paymentThe more you use your account, the more we know about your activity. As such, our risk assessment may change and we may increase or decrease the amount of funds will appear in your PayPal account with an indication we hold based on that they changed assessment. How long do we hold funds? For transaction holds and release amounts: Funds are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place usually held for up to 21 days from the date the payment was received into your PayPal account. Funds may be held for longer than 21 days if: • We believe that the increased risk associated with you or your account remains after 21 days; • If you are a seller, we expect the delivery time of your goods or services to be longer than 21 days; • You receive a dispute, claim, chargeback or reversal relating to the transaction subject to the hold; and/or • We have taken another action permitted by this agreement, such as whenyou are required to verify your identity. We may release the a hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to than 21 days where we reasonably believe that the transaction), but any relevant transaction has successfully completed. Any earlier release is at our sole discretion. The hold Funds held for buyer disputes may last longer than 21 days if not be released until we consider the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is dispute resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are General Information about holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- account-level or transaction-level actions. Unless otherwise notedset out below, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. We hold funds to review and mitigate any actual or reasonably anticipated risk to us or our users. In order what ways may we hold funds? Funds may be held in one or more of the following ways: • Transaction holds - Specific transactions may be held, such as if your buyer disputes the payment in one of the Refunds, Reversals and Chargebacks situations; • Release amounts - Funds you receive may be subject to facilitate PayPala release amount ; • Reserves - Funds you receive may be subject to a reserve; and • Account limitations - Your access to funds may be restricted because your account has been limited. When do we hold funds? We hold funds when: • We need to ensure the integrity of a transaction; • We believe that there’s actions described above and allow us to assess the level of a risk associated with you or your account; • You receive a dispute, claim, chargeback or reversal in relation to any funds received into your account; • A marketplace or third party application where PayPal accountis offered requests that we do so (if you have questions about why the marketplaces requested the hold, you agree will need to cooperate contact the marketplace or third party directly); • You do not meet certain seller or risk standards when listing on eBay; • You are a new seller or have a limited history with PayPal’s reasonable requests for financial statements and other documentation eBay; or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary need to comply with regulatory requirementsthe law. We make decisions about whether to place a payment hold based on What do we consider before holding funds? Before holding funds, we consider a number of factors, including information available to us from both internal sources and third parties, such as: • Information you provide us, such as your business history and financial details; • Publicly available information; • Your industry; • Your selling activity; • Past disputes or dissatisfaction of your customers; • Information we receive from related third parties; • Whether the funds are related to an irregular or unusual transaction; and • Other related information. When we place a hold on a paymentThe more you use your account, the more we know about your activity. As such, our risk assessment may change and we may increase or decrease the amount of funds will appear in your PayPal account with an indication we hold based on that they changed assessment. How long do we hold funds? For transaction holds and release amounts: Funds are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place usually held for up to 21 days from the date the payment was received into your PayPal account. Funds may be held for longer than 21 days if: • We believe that the increased risk associated with you or your account remains after 21 days; • If you are a seller, we expect the delivery time of your goods or services to be longer than 21 days; • You receive a dispute, claim, chargeback or reversal relating to the transaction subject to the hold; and/or • We have taken another action permitted by this agreement, such as when you are required to verify your identity. We may release the a hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to than 21 days where we reasonably believe that the transaction), but any relevant transaction has successfully completed. Any earlier release is at our sole discretion. The hold Funds held for buyer disputes may last longer than 21 days if not be released until we consider the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is dispute resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is shall not be available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We If your PayPal account is able to receive payments, we may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll 'll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 30 days from the date the payment was received into your PayPal accountaccount unless PayPal has a reason to continue to hold the payment. We may release the hold earlier under certain circumstances (for example, if you’ve 've uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 30 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll 'll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days)resolved. Holds related to Marketplace transactions If you’re 're a seller on a marketplace or through a third-party application where PayPal is offered, and your PayPal account is able to receive payments, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- third-party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If your PayPal account is able to receive payments and a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll 'll lift the temporary hold. If we determine the transaction should be reversed, we’ll 'll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving fundspayments. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why we may limit your access to your PayPal account could be limitedor the PayPal services, and/or limit access to your funds, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll 'll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactionsactivity. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised unauthorized transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve 've received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. If we limit access to your PayPal account, we'll provide you with notice of our actions and the opportunity to request restoration of access if, in our sole discretion, we deem it appropriate. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- third - party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. ‌ What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is shall not be available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll 'll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 30 days from the date the payment was received into your PayPal accountaccount unless PayPal has a reason to continue to hold the payment. We may release the hold earlier under certain circumstances (for example, if you’ve 've uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 30 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll 'll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liabilityresolved.

Holds, Limitations, and Reserves. ‌ What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is shall not be available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. ‌ What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to To facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds Holds‌ A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with federal or provincial regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- third-party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-third- party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations‌ Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving fundsmoney. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactionsactivity. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised unauthorized transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. ‌ What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is shall not be available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is shall not be available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves reserves? Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is shall not be available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s 's risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll 'll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 30 days from the date the payment was received into your PayPal accountaccount unless PayPal has a reason to continue to hold the payment. We may release the hold earlier under certain circumstances (for example, if you’ve 've uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 30 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll 'll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days)resolved. Holds related to Marketplace transactions If you’re 're a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- third - party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll 'll lift the temporary hold. If we determine the transaction should be reversed, we’ll 'll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving fundspayments. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why we may limit your access to your PayPal account could be limitedor the PayPal services, and/or limit access to your funds, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll 'll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactionsactivity. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised unauthorized transfers between your PayPal account and your bank account. • In order to comply with applicable law, regulations or PayPal’s policies. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve 've received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. If we limit access to your PayPal account, we'll provide you with notice of our actions and the opportunity to request restoration of access if, in our sole discretion, we deem it appropriate. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is shall not be available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We If your PayPal account is able to receive payments, we may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll 'll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 30 days from the date the payment was received into your PayPal accountaccount unless PayPal has a reason to continue to hold the payment. We may release the hold earlier under certain circumstances (for example, if you’ve 've uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 30 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll 'll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days)resolved. Holds related to Marketplace transactions If you’re 're a seller on a marketplace or through a third-party application where PayPal is offeredoffered and your PayPal account is able to receive payments, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- third-party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If your PayPal account is able to receive payments and a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll 'll lift the temporary hold. If we determine the transaction should be reversed, we’ll 'll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving fundspayments. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why we may limit your access to your PayPal account could be limitedor the PayPal services, and/or limit access to your funds, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll 'll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactionsactivity. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised unauthorized transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve 've received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. If we limit access to your PayPal account, we'll provide you with notice of our actions and the opportunity to request restoration of access if, in our sole discretion, we deem it appropriate. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.

Holds, Limitations, and Reserves. What are General information about holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account- level or transaction-level actions. Unless otherwise notedset out below, if we take any of the actions described here, we’ll 'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. We hold funds to review and mitigate any actual or reasonably anticipated risk to us or our users. In order to facilitate PayPal’s 's actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s 's reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A In what ways may we hold is an action that PayPal funds? Funds may take under certain circumstances either at be held in one or more of the transaction level or following ways: • Transaction holds - Specific transactions may be held, such as if your buyer disputes the payment in one of the Refunds, Reversals and Chargebacks situations; • Release amounts - Funds you receive may be subject to a release amount; • Reserves - Funds you receive may be subject to a reserve; and • Account limitations - Your access to funds may be restricted because your account levelhas been limited. When PayPal places a temporary do we hold on a payment, the funds? We hold funds is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments includewhen: • New sellers or sellers who have limited selling activity. We need to ensure the integrity of a transaction; • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. • A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised. We will place a hold for two days, notify you about such hold immediately and ask you if you want to revoke the hold. If you instruct us, we will revoke the hold. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • A user is trying to send or withdraw funds they received fraudulently. In particular, if we receive a notice from another payment operator that the payment you receive is fraudulent, we will place a hold on such payment for five Business Days, and request some supporting documents from you. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be there's a high level of risk associated with you, your PayPal account, you or your transactions account; • You receive a dispute, claim, chargeback or reversal in relation to any funds received into your account; • A marketplace or third party application where PayPal is offered requests that placing such a hold is necessary we do so (if you have questions about why the marketplaces requested the hold, you will need to contact the marketplace or third party directly); or • We need to comply with regulatory requirementsthe law. We make decisions about whether to place a payment hold based on What do we consider before holding funds? Before holding funds, we consider a number of factors, including information available to us from both internal sources and third parties, such as: • Information you provide us, such as your business history and financial details; • Publicly available information; • Your industry; • Your selling activity; • Past disputes or dissatisfaction of your customers; • Information we receive from related third parties; • Whether the funds are related to an irregular or unusual transaction; and • Other related information. When we place a hold on a paymentThe more you use your account, the more we know about your activity. As such, our risk assessment may change and we may increase or decrease the amount of funds will appear in your PayPal account with an indication we hold based on that they changed assessment. How long do we hold funds? For transaction holds and release amounts: Funds are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place usually held for up to 21 days from the date the payment was received into your PayPal account. Funds may be held for longer than 21 days if: • We believe that the increased risk associated with you or your account remains after 21 days; • If you are a seller, we expect the delivery time of your goods or services to be longer than 21 days; • You receive a dispute, claim, chargeback or reversal relating to the transaction subject to the hold; and/or • We have taken another action permitted by this agreement, such as when you are required to verify your identity. We may release the a hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to than 21 days where we reasonably believe that the transaction), but any relevant transaction has successfully completed. Any earlier release is at our sole discretion. The hold Funds held for buyer disputes may last longer than 21 days if not be released until we consider the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is dispute resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third- party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. Account Limitations Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. There are several reasons why your PayPal account could be limited, including: • If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity for the period of two (2) business days. We will notify you about such limitation immediately and ask you if you want to revoke such limitation. If you instruct us, we will revoke the limitations. We will also provide you with a reminder of security measures to minimise risks of unauthorised transactions. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with applicable law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor selling performance because you’ve received an unusually high number of claims and chargebacks selling an entirely new or high cost product, or if your typical sales volume increases rapidly. You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.