Common use of Impact of PayPal Buyer Protection on sellers Clause in Contracts

Impact of PayPal Buyer Protection on sellers. You should read our Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding Buyer Protection Policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include the full purchase price of the item and original postage costs (and in some cases, you may not receive the item back). Our Seller Protection policy may help cover your liability in certain cases, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account must: • at all times be in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your account to the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Account; or • you breach any of our Rules about surcharging. If we downgrade your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our provisions on payPal Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or provisions in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and or transaction plus any original postage costs (and shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o The refund to a buyer is processed through PayPal, or o You provide evidence acceptable to PayPal, in some casesits sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be Place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: amount. • the above conditions are not met; • there are unresolved chargebacks against the Account; or • you breach any of our Rules about surcharging. If we downgrade Create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our provisions on Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and plus the original postage costs (and shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in some casesconnection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favour of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be Place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: amount. • the above conditions are not met; • there are unresolved chargebacks against the Account; or • you breach any of our Rules about surcharging. If we downgrade Create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our provisions on PayPal Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or provisions in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and or transaction plus any original postage costs (and shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: ▪ The refund to a buyer is processed through PayPal, or ▪ You provide evidence acceptable to PayPal, in some casesits sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back (it will be destroyed). Our Seller Protection policy • PayPal will not arrange for or require a return of merchandise if you fail to respond to the case for a Significantly Not as Described claim. • You may help be required to accept the item back by paying for return shipping cost for a Significantly Not as Described claim at PayPal's discretion. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be Place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: amount. • the above conditions are not met; • there are unresolved chargebacks against the Account; or • you breach any of our Rules about surcharging. If we downgrade Create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our provisions on PayPal Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or provisions in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and or transaction plus any original postage costs (and shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o The refund to a buyer is processed through PayPal, or o You provide evidence acceptable to PayPal, in some casesits sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be Place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: amount. • the above conditions are not met; • there are unresolved chargebacks against the Account; or • you breach any of our Rules about surcharging. If we downgrade Create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and plus the original postage costs (and shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in some casesconnection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Accountamount; or • you breach any of our Rules about surcharging. If we downgrade create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our provisions on PayPal Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or provisions in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and plus the original postage costs (and shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in some casesconnection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help cover your liability not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in certain cases, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account must: • at all times be in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency favor of your account) buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in commercial transaction payments your cash account or business PayPal account is insufficient to cover the amount, we may: o Place a hold on your PayPal account until sufficient funds become available in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Account; or • you breach any of our Rules about surchargingamount. If we downgrade o Create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our provisions on Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and or transaction plus any original postage costs (and shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o The refund to a buyer is processed through PayPal, or o You provide evidence acceptable to PayPal, in some casesits sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favour of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be Place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: amount. • the above conditions are not met; • there are unresolved chargebacks against the Account; or • you breach any of our Rules about surcharging. If we downgrade Create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our PayPal Buyer Protection Policy section and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and plus the original postage costs (and shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in some casesconnection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be Place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: amount. • the above conditions are not met; • there are unresolved chargebacks against the Account; or • you breach any of our Rules about surcharging. If we downgrade Create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our provisions on Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and or transaction plus any original postage costs (and shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o The refund to a buyer is processed through PayPal, or o You provide evidence acceptable to PayPal, in some casesits sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Accountamount; or • you breach any of our Rules about surcharging. If we downgrade create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our provisions on PayPal Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and or transaction plus any original postage costs (and shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o The refund to a buyer is processed through PayPal, or o You provide evidence acceptable to PayPal, in some casesits sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Accountamount; or • you breach any of our Rules about surcharging. If we downgrade create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our Buyer Protection Policy section and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and plus the original postage costs (and shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in some casesconnection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be Place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Accountamount; or • you breach any of our Rules about surcharging. If we downgrade Create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our PayPal Buyer Protection Policy section and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or provisions in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and or transaction plus any original postage costs (and shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o The refund to a buyer is processed through PayPal, or o You provide evidence acceptable to PayPal, in some casesits sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be Place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: amount. • the above conditions are not met; • there are unresolved chargebacks against the Account; or • you breach any of our Rules about surcharging. If we downgrade Create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our PayPal Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and plus the original postage costs (and shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in some casesconnection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back (it will be destroyed). Our Seller Protection policy • PayPal will not arrange for or require a return of merchandise if you fail to respond to the case for a Significantly Not as Described claim. • You may help be required to accept the item back by paying for return shipping cost for a Significantly Not as Described claim at PayPal's discretion. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Accountamount; or • you breach any of our Rules about surcharging. If we downgrade create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our PayPal Buyer Protection Policy section and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or provisions in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and plus the original postage costs (and shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in some casesconnection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be Place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: amount. • the above conditions are not met; • there are unresolved chargebacks against the Account; or • you breach any of our Rules about surcharging. If we downgrade Create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our provisions of PayPal Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or provisions in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and plus the original postage costs (and shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in some casesconnection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Accountamount; or • you breach any of our Rules about surcharging. If we downgrade create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and plus the original postage costs (and shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in some casesconnection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back (it will be destroyed). Our Seller Protection policy may help If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Accountamount; or • you breach any of our Rules about surcharging. If we downgrade create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our provisions on Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and plus the original postage costs (and shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in some casesconnection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Accountamount; or • you breach any of our Rules about surcharging. If we downgrade create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our provisions on PayPal Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or provisions in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and or transaction plus any original postage costs (and in shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases, cases you may not receive the item back). Our Seller • The Buyer Protection policy may help cover your liability claim will only be considered fully resolved if: o The refund to a buyer is processed through PayPal, or o You provide evidence acceptable to PayPal, in certain casesits sole discretion, subject to eligibility. We offer Seller Protection based on that the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account must: • at all times be in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your account buyer agreed to the standard rate at any time if: alternative resolution provided. • the above conditions are You will not met; • there are unresolved chargebacks against the Account; or • you breach any of our Rules about surcharging. If we downgrade your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms a refund of the PayPal Online Card Payment Services Agreementfees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you will generally may not receive the item back, or you may be required to accept the item back and pay for return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount. • Create a negative balance in your PayPal account.

Impact of PayPal Buyer Protection on sellers. You should read our provisions on Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or provisions in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and or transaction plus any original postage costs (and shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o The refund to a buyer is processed through PayPal, or o You provide evidence acceptable to PayPal, in some casesits sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be Place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: amount. • the above conditions are not met; • there are unresolved chargebacks against the Account; or • you breach any of our Rules about surcharging. If we downgrade Create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and plus the original postage costs (and shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in some casesconnection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Accountamount; or • you breach any of our Rules about surcharging. If we downgrade create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our provisions on Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and plus the original postage costs (and shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in some casesconnection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be Place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: amount. • the above conditions are not met; • there are unresolved chargebacks against the Account; or • you breach any of our Rules about surcharging. If we downgrade Create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our provisions onPayPal Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and plus the original postage costs (and shipping cost. In some cases you may not receive the item back • You will not receive a refund of the PayPal fees that you paid in some casesconnection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Accountamount; or • you breach any of our Rules about surcharging. If we downgrade create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our provisions on PayPal Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or provisions in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and or transaction plus any original postage costs (and shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o The refund to a buyer is processed through PayPal, or o You provide evidence acceptable to PayPal, in some casesits sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back (it will be destroyed). Our Seller Protection policy may help If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Accountamount; or • you breach any of our Rules about surcharging. If we downgrade create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our Buyer Protection Policy section and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and or transaction plus any original postage costs (and shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: ▪ The refund to a buyer is processed through PayPal, or ▪ You provide evidence acceptable to PayPal, in some casesits sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be Place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Accountamount; or • you breach any of our Rules about surcharging. If we downgrade Create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our PayPal Buyer Protection Policy section and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: · You must forfeit the full purchase price of the item and plus the original postage costs (and shipping cost. In some cases you may not receive the item back. · You will not receive a refund of the PayPal fees that you paid in some casesconnection with the sale. · If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy · If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help cover your liability not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in certain cases, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account must: • at all times be in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency favor of your account) buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in commercial transaction payments your cash account or business PayPal account is insufficient to cover the amount, we may: · place a hold on your PayPal account until sufficient funds become available in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Accountamount; or • you breach any of our Rules about surcharging. If we downgrade create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our provisions of PayPal Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy listed on that page or provisions in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and or transaction plus any original postage costs (and shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o The refund to a buyer is processed through PayPal, or o You provide evidence acceptable to PayPal, in some casesits sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Accountamount; or • you breach any of our Rules about surcharging. If we downgrade create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and or transaction plus any original postage costs (and shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: ▪ The refund to a buyer is processed through PayPal, or ▪ You provide evidence acceptable to PayPal, in some casesits sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be Place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: amount. • the above conditions are not met; • there are unresolved chargebacks against the Account; or • you breach any of our Rules about surcharging. If we downgrade Create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.

Impact of PayPal Buyer Protection on sellers. You should read our Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection Policies on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection Policy policy listed on that page or in the corresponding user agreement. Notwithstanding any other section of this user agreement, if we make a final decision that If you lose a claim filed directly with PayPal, you will be required to reimburse us for your liability towards us. Your liability towards us will include under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item and plus the original postage costs (and shipping cost. In some cases you may not receive the item back • You will not receive a refund of the PayPal fees that you paid in some casesconnection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back), or you may be required to accept the item back plus pay for return shipping costs. Our Seller Protection policy • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may help not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover your liability in certain casesthe amount, subject to eligibility. We offer Seller Protection based on the Seller Protection Policy. The Seller Protection Policy is part of this user agreement. Merchant rate status is subject to eligibility, application and approval by us. We may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. To be eligible to apply for (and retain) our volume-based tiered merchant rate status your account mustwe may: • at all times be place a hold on your PayPal account until sufficient funds become available in good standing and not under investigation; and • have received more than the Tier 1 ceiling amount (jn the original opening currency of your account) in commercial transaction payments in the previous calendar month. We may downgrade your PayPal account to cover the standard rate at any time if: • the above conditions are not met; • there are unresolved chargebacks against the Accountamount; or • you breach any of our Rules about surcharging. If we downgrade create a negative balance in your account you will need to apply to us again for your account to get merchant rate status. You may apply to receive the merchant rate using the dedicated online application form when logged into your PayPal account. If your application is rejected, you may only submit another application after thirty days. Merchant rates do not apply to commercial transaction payments received through functionality provided under the terms of the PayPal Online Card Payment Services Agreement.