Common use of Payment Method Used for My Transaction Clause in Contracts

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen a preferred payment method for in store transactions or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amount. There may be times when your preferred payment method cannot be used, for example, if you select a card that has expired. We may remove cards that are expired or otherwise not able to be processed from your account. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declined. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family using your PayPal balance or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into an agreement with them that permits the seller to request that we process your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank account; 3. debit card; and 4. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewards.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If In certain countries, you have chosen an online can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountaccount preferences. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be processed from your accountshown as the primary method of payment. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the "Manage" link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money payments to friends and family When you send money payments to friends and family using your PayPal balance (if available) or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “"Change” " link on the Send Money Payments page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send moneythe payment. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into to pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxsettings. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if as applicable: 1. balance; 2. bank accountaccount (instant transfer); 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. debit card; and 46. credit card; and 7. eCheque. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xxsettings. Pay with Rewards PayPal may allow Bank account transfers When you to redeem rewards associated with use your eligible card(s) when making a purchase with your PayPal bank account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, you are allowing PayPal and/or to initiate a transfer from your issuer bank account to the recipient. For these transactions, PayPal will choose make electronic transfers from your bank account in the order amount you specify. You authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for any reason. eCheque eCheque is a payment method where you use your bank account as your payment method, and split the payment is not received by the recipient until the transaction is processed from the bank. This process usually takes 3-5 Business Days, but this amount of funds when processing time will increase if the payment is sent from a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with bank account located outside of your card issuer for more informationcountry/region. If eCheque is your card information changes (including if preferred payment method, it is reissued with a new account number), you may need will be used to update fund your PayPal wallet and re-enroll your card to continue using rewardspayment, even if you have a balance.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxxxxx.xx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise You can set separate preferred payment methods for online transactions, and automatic payments with a seller. If you have chosen a preferred payment method, it will be shown as the primary method of payment. If you have not able to be processed from chosen a preferred payment method, it's still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third third-party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the "Manage" link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money Automatic payments Some sellers allow you to friends and family When you send money store PayPal as the way to friends and family using your PayPal balance or your bank account, we waive all feespay when making purchases on their site, so we always show you these payment options firstcan check out faster. Often, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank account; 3. debit card; and 4. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewardssettings.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxx.xxxxxx.xxx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions, and each of your automatic payment agreements, as described below. If you have chosen a preferred payment method, it will be processed from shown as the primary method of payment. If no preferred payment method, it’s still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third third-party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family within the U.S. using balance in your Balance Account linked to your personal PayPal account, the balance in your business PayPal account, or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into you pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select To help minimize disruptions in your automatic payments, we may update your Payment Method information; see Link or Unlink a Payment Method. When you first set up an automatic payment agreement, you may have the option to set up a preferred payment method for future purchases with such agreement. You can review, set, or change a particular seller either at the time of creating the preferred payment method for an automatic payment agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xxx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet Your preferred payment method for the monthly costan automatic payment agreement will be used for transactions with that seller. If you have available balance in a linked Balance Account, that balance may be used before your chosen preferred payment method. If you have not set a preferred payment method for an automatic payment agreement, or if your preferred payment method for an automatic payment agreement is unavailable (e.g. credit card expired)for example, a particular agreement with a seller does not provide for the ability to specify a payment method, because it is expired or if you have not designated a payment method for future transactions with a seller, has insufficient funds) the payment method used will be in the following order, if applicable: 1. balanceBalance Account (if one is linked to your personal PayPal account) or balance in your business PayPal account (if we’ve been able to verify the required identifying information you provide to us); 2. bank Bank account; 3. PayPal co- branded debit card; and 4. PayPal co-branded credit card; 5. Debit card; 6. Credit card; and 7. E-check. This is also the order of payment methods that will be used if a previously selected payment method to be used in a seller agreement is unavailable. Bank account transfers When you use your bank account as a payment method, you are allowing PayPal to initiate a transfer from your bank account to the recipient. For these transactions, PayPal will make electronic transfers from your bank account in the amount you specify. You can cancel authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for any agreement in reason. If you use your PayPal account settings at xxx.xxxxxx.xxx.xxto pay for an item and you select your bank account as the funding method for the transaction, remember that your PayPal account is issued to you by PayPal and not your bank. Pay with Rewards PayPal may allow you to redeem rewards The terms, benefits, and protections associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information vary from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount those that apply to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balancebank account. If you split use your payment between PayPal account to make a purchase that exceeds the balance in your reward balance and another payment methodlinked bank account, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differentlyyou could incur overdraft fees, please check even if you chose not to allow overdrafts with your card issuer for more informationbank. If your card information changes (including if it is reissued with a new account number)Similarly, you may need the liability limits applicable to update your PayPal wallet and re-enroll account may differ from those applicable to your card to continue using rewardsbank account.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxx.xxxxxx.xxx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions, and each of your automatic payment agreements, as described below. If you have chosen a preferred payment method, it will be processed from shown as the primary method of payment. If no preferred payment method, it’s still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third third-party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money personal transactions to friends and family within the U.S. using balance in your PayPal Balance Account linked to your personal account, the balance in your business account, or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into you pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select To help minimize disruptions in your automatic payments, we may update your Payment Method information; see Link or Unlink a Payment Method. When you first set up an automatic payment agreement, you may have the option to set up a preferred payment method for future purchases with such agreement. You can review, set, or change a particular seller either at the time of creating the preferred payment method for an automatic payment agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xxx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet Your preferred payment method for the monthly costan automatic payment agreement will be used for transactions with that seller. If you have available balance in a linked Balance Account, that balance may be used before your chosen preferred payment method. If you have not set a preferred payment method for an automatic payment agreement, or if your preferred payment method for an automatic payment agreement is unavailable (e.g. credit card expired)for example, a particular agreement with a seller does not provide for the ability to specify a payment method, because it is expired or if you have not designated a payment method for future transactions with a seller, has insufficient funds) the payment method used will be in the following order, if applicable: 1. balanceBalance Account (if one is linked to your personal account) or balance in your business account (if we’ve been able to verify the required identifying information you provide to us); 2. bank Bank account; 3. PayPal co-branded debit card; and 4. PayPal co-branded credit card; 5. Debit card; 6. Credit card; and 7. E-check. This is also the order of payment methods that will be used if a previously selected payment method to be used in a seller agreement is unavailable. Bank account transfers When you use your bank account as a payment method, you are allowing PayPal to initiate a transfer from your bank account to the recipient. For these transactions, PayPal will make electronic transfers from your bank account in the amount you specify. You can cancel authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for any agreement in reason. If you use your PayPal account settings at xxx.xxxxxx.xxx.xxto pay for an item and you select your bank account as the funding method for the transaction, remember that your PayPal account is issued to you by PayPal and not your bank. Pay with Rewards PayPal may allow you to redeem rewards The terms, benefits, and protections associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information vary from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount those that apply to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balancebank account. If you split use your payment between PayPal account to make a purchase that exceeds the balance in your reward balance and another payment methodlinked bank account, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differentlyyou could incur overdraft fees, please check even if you chose not to allow overdrafts with your card issuer for more informationbank. If your card information changes (including if it is reissued with a new account number)Similarly, you may need the liability limits applicable to update your PayPal wallet and re-enroll account may differ from those applicable to your card to continue using rewardsbank account.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountaccount preferences on xxxxxx.xx. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be processed from your accountshown as the primary method of payment. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the "Manage" link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Pre-paid cards may not be used to fund a transaction unless otherwise notified by PayPal. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family using your PayPal balance (if available) or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into to pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank accountaccount (instant transfer); 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. debit card; and 46. credit card. You can cancel any agreement authorised automatic payment to a particular seller in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewardssettings.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If In certain countries, you have chosen an online can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountaccount preferences. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be processed from your accountshown as the primary method of payment. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the "Manage" link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money payments to friends and family When you send money payments to friends and family using your PayPal balance (if available) or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “"Change” " link on the Send Money Payments page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send moneythe payment. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into to pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxsettings. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if as applicable: 1. balance; 2. bank accountaccount (instant transfer); 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. debit card; and 46. credit card; and 7. eCheque. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xxsettings. Pay with Rewards PayPal may allow Bank account transfers When you to redeem rewards associated with use your eligible card(s) when making a purchase with your PayPal bank account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, you are allowing PayPal and/or to initiate a transfer from your issuer bank account to the recipient. For these transactions, PayPal will choose make electronic transfers from your bank account in the order amount you specify. You authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for any reason. eCheque eCheque is a payment method where you use your bank account as your payment method, and split the payment is not received by the recipient until the transaction is processed from the bank. This process usually takes 3-5 Business Days, but this amount of funds when processing time will increase if the payment is sent from a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with bank account located outside of your card issuer for more informationcountry/region. If eCheque is your card information changes (including if preferred payment method, it is reissued with a new account number), you may need will be used to update fund your PayPal wallet and re-enroll your card to continue using rewardspayment, even if you have a balance.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be shown as the primary method of payment. If you have not able to be processed from chosen a preferred payment method, it’s still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third third-party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money Automatic payments Some sellers allow you to friends and family When you send money store PayPal as the way to friends and family using your PayPal balance or your bank account, we waive all feespay when making purchases on their site, so we always show you these payment options firstcan check out faster. Often, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; , 2. bank account; account and 3. credit or debit card; and 4. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xxsettings. Pay with Rewards PayPal may allow Bank account transfers When you to redeem rewards associated with use your eligible card(s) when making a purchase with your PayPal bank account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, you are allowing PayPal and/or to initiate a transfer from your issuer bank account to the recipient. For these transactions, PayPal will choose make electronic transfers from your bank account in the order and split of funds when processing a cancellation or refundamount you specify. Each card issuer may treat chargebacks You authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewardsany reason.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountaccount preferences. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be processed from your accountshown as the primary method of payment. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the "Manage" link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money Automatic payments Some sellers allow you to friends and family When you send money store PayPal as the way to friends and family using your PayPal balance or your bank account, we waive all feespay when making purchases on their site, so we always show you these payment options firstcan check out faster. Often, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxsettings. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if as applicable: 1. balance; 2. bank accountPayPal co-branded debit card; 3. PayPal co-branded credit card; 4. debit card; and 45. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewardssettings.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If In certain countries, you have chosen an online can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountaccount preferences. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be processed from your accountshown as the primary method of payment. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the "Manage" link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money payments to friends and family When you send money payments to friends and family using your PayPal balance (if available) or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “"Change” " link on the Send Money Payments page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send moneythe payment. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into to pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxsettings. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if as applicable: 1. balance; 2. bank accountaccount (instant transfer); 3. PayPal co-branded debit card; 4. PayPal co- branded credit card; 5. debit card; and 46. credit card; and 7. eCheque. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xxsettings. Pay with Rewards PayPal may allow Bank account transfers When you to redeem rewards associated with use your eligible card(s) when making a purchase with your PayPal bank account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, you are allowing PayPal and/or to initiate a transfer from your issuer bank account to the recipient. For these transactions, PayPal will choose make electronic transfers from your bank account in the order amount you specify. You authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for any reason. eCheque eCheque is a payment method where you use your bank account as your payment method, and split the payment is not received by the recipient until the transaction is processed from the bank. This process usually takes 3-5 Business Days, but this amount of funds when processing time will increase if the payment is sent from a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with bank account located outside of your card issuer for more informationcountry/region. If eCheque is your card information changes (including if preferred payment method, it is reissued with a new account number), you may need will be used to update fund your PayPal wallet and re-enroll your card to continue using rewardspayment, even if you have a balance.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxx.xxxxxx.xx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be shown as the primary method of payment. If you have not able to be processed from chosen a preferred payment method, it’s still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money personal transactions to friends and family using your PayPal balance (if available) or your bank account, we waive all feessending is usually free, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into to pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxx.xxxxxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank accountaccount (instant transfer); 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. debit card; and 46. credit card; and 7. E-cheque. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xxon xxx.xxxxxx.xx. Bank account transfers When you use your bank account as a payment method, you are allowing PayPal to initiate a transfer from your bank account to the recipient. For these transactions, PayPal will make electronic transfers from your bank account in the amount you specify. You authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for any reason. E-cheque E-cheque is a payment method where you use your bank account as your payment method, and the payment is not received by the recipient until the transaction is processed from the bank. This process usually takes 3-5 Business Days, but this amount of time will increase if the payment is sent from a bank account located outside Canada. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's ’s Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's ’s Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement and applicable reward program with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or agreement and your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. If you have reward balance that can be redeemed through PayPal, you will see an option to use those rewards when you check out through PayPal. If your available reward balance changes during or after the checkout process, you may not see all your available rewards or may see rewards that are no longer available. Note, depending on the type of your purchase, your merchant may not process your payment until after a period of time after you check out. If your available reward balance changes or becomes unavailable before your payment is processed, or if you modify your final checkout purchase amount, at PayPal's and your issuer’s discretion, your transaction may fail, a lesser amount of rewards may be used, or no rewards may be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise authorize PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's ’s cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreementUser Agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. You should follow PayPal’s normal dispute resolution process for any purchase made with rewards. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewards.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If In certain countries, you have chosen an online can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountaccount preferences. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be processed from your accountshown as the primary method of payment. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the "Manage" link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money payments to friends and family When you send money personal transactions to friends and family using the balance in your PayPal balance account (if available) or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “"Change” " link on the Send Money Payments page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send moneythe payment. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into to pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxsettings. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if as applicable: 1. balance; 2. bank accountaccount (instant transfer); 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. debit card; and 46. credit card; and 7. eCheque. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xxsettings. Pay with Rewards PayPal may allow Bank account transfers When you to redeem rewards associated with use your eligible card(s) when making a purchase with your PayPal bank account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, you are allowing PayPal and/or to initiate a transfer from your issuer bank account to the recipient. For these transactions, PayPal will choose make electronic transfers from your bank account in the order amount you specify. You authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for any reason. eCheque eCheque is a payment method where you use your bank account as your payment method, and split the payment is not received by the recipient until the transaction is processed from the bank. This process usually takes 3-5 Business Days, but this amount of funds when processing time will increase if the payment is sent from a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with bank account located outside of your card issuer for more informationcountry/region. If eCheque is your card information changes (including if preferred payment method, it is reissued with a new account number), you may need will be used to update fund your PayPal wallet and re-enroll payment, even if you have a balance in your card to continue using rewardsPayPal account.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be shown as the primary method of payment. If you have not able to be processed from chosen a preferred payment method, it’s still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third third-party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money Automatic payments Some sellers allow you to friends and family When you send money store PayPal as the way to friends and family using your PayPal balance or your bank account, we waive all feespay when making purchases on their site, so we always show you these payment options firstcan check out faster. Often, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; , 2. bank account; , 3. credit or debit card; card and 4. credit cardeCheck. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xxsettings. Pay with Rewards PayPal may allow Bank account transfers When you to redeem rewards associated with use your eligible card(s) when making a purchase with your PayPal bank account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, you are allowing PayPal and/or to initiate a transfer from your issuer bank account to the recipient. For these transactions, PayPal will choose make electronic transfers from your bank account in the order amount you specify. You authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for any reason. eChecks eCheck is a payment method where you use your bank account as your payment method, and split the payment is not received by the recipient until the transaction is processed from the bank. This process usually takes 3-5 Business Days, but this amount of funds when processing time will increase if the payment is sent from a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with bank account located outside of your card issuer for more informationcountry/region. If eCheck is your card information changes (including if preferred payment method, it is reissued with a new account number), you may need will be used to update fund your PayPal wallet and re-enroll your card to continue using rewardspayment, even if you have a balance.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountaccount preferences on xxxxxx.xx. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be processed from your accountshown as the primary method of payment. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the "Manage" link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Pre-paid cards may not be used to fund a transaction unless otherwise notified by PayPal. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money personal transactions to friends and family using the balance in your PayPal balance account (if available) or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into to pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank accountaccount (instant transfer); 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. debit card; and 46. credit card. You can cancel any agreement authorised automatic payment to a particular seller in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewardssettings.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxxxxx.xx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise You can set separate preferred payment methods for online transactions, and automatic payments with a seller. If you have chosen a preferred payment method, it will be shown as the primary method of payment. If you have not able to be processed from chosen a preferred payment method, it's still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third third-party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the "Manage" link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money Automatic payments Some sellers allow you to friends and family When you send money store PayPal as the way to friends and family using your PayPal balance or your bank account, we waive all feespay when making purchases on their site, so we always show you these payment options firstcan check out faster. Often, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank account; 3. debit card; and 4. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewardssettings.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online preferred payment method, it will be shown as the primary method of payment. We'll ’ll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll ’ll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen a preferred payment method for in store transactions or for automatic payments, we'll ’ll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amount. There may be times when your preferred payment method cannot be used, for example, if you select a card that has expired. We may remove cards that are expired or otherwise not able to be processed from your account. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declined. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family using your PayPal balance or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into an agreement with them that permits the seller to request that we process your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank account; 3. debit card; and 4. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewards.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxx.xxxxxx.xxx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments. If you have chosen a preferred payment method, it will be processed from shown as the primary method of payment. If no preferred payment method, it’s still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family within the U.S. using balance in your Cash Account linked to your personal PayPal account, the balance in your business PayPal account, or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into an agreement with them that permits the seller to request that we process your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank account; 3. debit card; and 4. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewards.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be processed from your accountshown as the primary method of payment. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money Automatic payments Some sellers allow you to friends and family When you send money store PayPal as the way to friends and family using your PayPal balance or your bank account, we waive all feespay when making purchases on their site, so we always show you these payment options firstcan check out faster. Often, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balancedebit card; 2. bank account; 3. debit credit card; and 43. credit cardE-check. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xx. Pay with Rewards PayPal may allow E-check E-check is a payment method where you to redeem rewards associated with use your eligible card(s) when making a purchase with bank account as your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer and the payment is not received by the recipient until the transaction is processed from the bank. This process usually takes 3-5 Business Days, but this amount of time will choose increase if the order and split payment is sent from a bank account located outside of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewardsMexico.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be processed from your accountshown as the primary method of payment. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money Automatic payments Some sellers allow you to friends and family When you send money store PayPal as the way to friends and family using your PayPal balance or your bank account, we waive all feespay when making purchases on their site, so we always show you these payment options firstcan check out faster. Often, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balancedebit card; 2. bank account; 3. debit credit card; and 43. credit cardE-check. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewardsxxxxxx.xx.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxx.xxxxxx.xx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be shown as the primary method of payment. If you have not able to be processed from chosen a preferred payment method, it’s still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family using your PayPal balance (if available) or your bank account, we waive all feessending is usually free, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into to pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxx.xxxxxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank accountaccount (instant transfer); 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. debit card; and 46. credit card; and 7. E-cheque. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xxon xxx.xxxxxx.xx. Pay with Rewards PayPal may allow Bank account transfers When you to redeem rewards associated with use your eligible card(s) when making a purchase with your PayPal bank account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, you are allowing PayPal and/or to initiate a transfer from your issuer bank account to the recipient. For these transactions, PayPal will choose make electronic transfers from your bank account in the order amount you specify. You authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for any reason. E-cheque E-cheque is a payment method where you use your bank account as your payment method, and split the payment is not received by the recipient until the transaction is processed from the bank. This process usually takes 3-5 Business Days, but this amount of funds when processing time will increase if the payment is sent from a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new bank account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewardslocated outside Canada.

Payment Method Used for My Transaction. ‌ Selecting a preferred payment method Paying online If In certain countries, you have chosen an online can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountaccount preferences. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be processed from your accountshown as the primary method of payment. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the "Manage" link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money payments to friends and family When you send money payments to friends and family using your PayPal balance (if available) or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “"Change” " link on the Send Money Payments page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send moneythe payment. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into to pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxsettings. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if as applicable: 1. balance; 2. bank accountaccount (instant transfer); 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. debit card; and 46. credit card; and 7. eCheque. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xxsettings. Pay with Rewards PayPal may allow Bank account transfers When you to redeem rewards associated with use your eligible card(s) when making a purchase with your PayPal bank account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, you are allowing PayPal and/or to initiate a transfer from your issuer bank account to the recipient. For these transactions, PayPal will choose make electronic transfers from your bank account in the order amount you specify. You authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for any reason. eCheque eCheque is a payment method where you use your bank account as your payment method, and split the payment is not received by the recipient until the transaction is processed from the bank. This process usually takes 3-5 Business Days, but this amount of funds when processing time will increase if the payment is sent from a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with bank account located outside of your card issuer for more informationcountry/region. If eCheque is your card information changes (including if preferred payment method, it is reissued with a new account number), you may need will be used to update fund your PayPal wallet and re-enroll your card to continue using rewardspayment, even if you have a balance.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If In certain countries, you have chosen an online can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountaccount preferences. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be processed from your accountshown as the primary method of payment. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the "Manage" link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money payments to friends and family When you send money payments to friends and family using your PayPal balance (if available) or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “"Change” " link on the Send Money Payments page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send moneythe payment. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into to pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxsettings. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if as applicable: 1. balance; 2. bank accountaccount (instant transfer); 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. debit card; and 46. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with ; and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewards7.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxx.xxxxxx.xxx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions, and each of your automatic payment agreements, as described below. If you have chosen a preferred payment method, it will be processed from shown as the primary method of payment. If no preferred payment method, it's still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third third-party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family within the U.S. using balance in your Cash Account linked to your personal PayPal account, the balance in your business PayPal account, or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into you pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select To help minimize disruptions in your automatic payments, we may update your Payment Method information; see Link or Unlink a Payment Method. When you first set up an automatic payment agreement, you may have the option to set up a preferred payment method for future purchases with such agreement. You can review, set, or change a particular seller either at the time of creating the preferred payment method for an automatic payment agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xxx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet Your preferred payment method for the monthly costan automatic payment agreement will be used for transactions with that seller. If you have available balance in a linked Cash or cash Plus account, that balance may be used before your chosen preferred payment method. If you have not set a preferred payment method for an automatic payment agreement, or if your preferred payment method for an automatic payment agreement is unavailable (e.g. credit card expired)for example, a particular agreement with a seller does not provide for the ability to specify a payment method, because it is expired or if you have not designated a payment method for future transactions with a seller, has insufficient funds) the payment method used will be in the following order, if applicable: 1. balanceCash Account (if one is linked to your personal PayPal account) or balance in your business PayPal account (if we've been able to verify the required identifying information you provide to us); 2. bank Bank account; 3. PayPal co-branded debit card; and 4. PayPal co- branded credit card; 5. Debit card; 6. Credit card; and 7. E-check. This is also the order of payment methods that will be used if a previously selected payment method to be used in a seller agreement is unavailable. Bank account transfers When you use your bank account as a payment method, you are allowing PayPal to initiate a transfer from your bank account to the recipient. For these transactions, PayPal will make electronic transfers from your bank account in the amount you specify. You can cancel authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for any agreement in reason. If you use your PayPal account settings at xxx.xxxxxx.xxx.xxto pay for an item and you select your bank account as the funding method for the transaction, remember that your PayPal account is issued to you by PayPal and not your bank. Pay with Rewards PayPal may allow you to redeem rewards The terms, benefits, and protections associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information vary from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount those that apply to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balancebank account. If you split use your payment between PayPal account to make a purchase that exceeds the balance in your reward balance and another payment methodlinked bank account, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differentlyyou could incur overdraft fees, please check even if you chose not to allow overdrafts with your card issuer for more informationbank. If your card information changes (including if it is reissued with a new account number)Similarly, you may need the liability limits applicable to update your PayPal wallet and re-enroll account may differ from those applicable to your card to continue using rewardsbank account.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online preferred payment method, it will be shown as the primary method of payment. We'll ’ll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll ’ll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen a preferred payment method for in store transactions or for automatic payments, we'll ’ll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amount. There may be times when your preferred payment method cannot be used, for example, if you select a card that has expired. We may remove cards that are expired or otherwise not able to be processed from your account. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declined. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family using your PayPal balance or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into an agreement with them that permits the seller to request that we process your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank account; 3. debit card; and 4. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewards.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxx.xxxxxx.xxx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions, and each of your automatic payment agreements, as described below. If you have chosen a preferred payment method, it will be processed from shown as the primary method of payment. If no preferred payment method, it’s still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family within the U.S. using balance in your Cash Account linked to your personal PayPal account, the balance in your business PayPal account, or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into you pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select To help minimize disruptions in your automatic payments, we may update your Payment Method information; see Link or Unlink a Payment Method. When you first set up an automatic payment agreement, you may have the option to set up a preferred payment method for future purchases with such agreement. You can review, set, or change a particular seller either at the time of creating the preferred payment method for an automatic payment agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xxx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet Your preferred payment method for the monthly costan automatic payment agreement will be used for transactions with that seller. If you have available balance in a linked Cash or cash Plus account, that balance may be used before your chosen preferred payment method. If you have not set a preferred payment method for an automatic payment agreement, or if your preferred payment method for an automatic payment agreement is unavailable (e.g. credit card expired)for example, a particular agreement with a seller does not provide for the ability to specify a payment method, because it is expired or if you have not designated a payment method for future transactions with a seller, has insufficient funds) the payment method used will be in the following order, if applicable: 1. balanceCash Account (if one is linked to your personal PayPal account) or balance in your business PayPal account (if we’ve been able to verify the required identifying information you provide to us); 2. bank Bank account; 3. PayPal co-branded debit card; and 4. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewards.;

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxx.xxxxxx.xx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be shown as the primary method of payment. If you have not able to be processed from chosen a preferred payment method, it’s still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family using your PayPal balance (if available) or your bank account, we waive all feessending is usually free, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into an agreement with them that permits the seller to request that we process your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank account; 3. debit card; and 4. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewards.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxx.xxxxxx.xx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be shown as the primary method of payment. If you have not able to be processed from chosen a preferred payment method, it’s still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money personal transactions to friends and family using your PayPal balance (if available) or your bank account, we waive all feessending is usually free, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into an agreement with them that permits the seller to request that we process your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank account; 3. debit card; and 4. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewards.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxx.xxxxxx.xxx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions, and each of your automatic payment agreements, as described below. If you have chosen a preferred payment method, it will be processed from shown as the primary method of payment. If no preferred payment method, it’s still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third third-party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family within the U.S. using balance in your Cash Account linked to your personal PayPal account, the balance in your business PayPal account, or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into you pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select To help minimize disruptions in your automatic payments, we may update your Payment Method information; see Link or Unlink a Payment Method. When you first set up an automatic payment agreement, you may have the option to set up a preferred payment method for future purchases with such agreement. You can review, set, or change a particular seller either at the time of creating the preferred payment method for an automatic payment agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xxx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet Your preferred payment method for the monthly costan automatic payment agreement will be used for transactions with that seller. If you have available balance in a linked Cash or cash Plus account, that balance may be used before your chosen preferred payment method. If you have not set a preferred payment method for an automatic payment agreement, or if your preferred payment method for an automatic payment agreement is unavailable (e.g. credit card expired)for example, a particular agreement with a seller does not provide for the ability to specify a payment method, because it is expired or if you have not designated a payment method for future transactions with a seller, has insufficient funds) the payment method used will be in the following order, if applicable: 1. balanceCash Account (if one is linked to your personal PayPal account) or balance in your business PayPal account (if we’ve been able to verify the required identifying information you provide to us); 2. bank Bank account; 3. PayPal co- branded debit card; and 4. PayPal co-branded credit card; 5. Debit card; 6. Credit card; and 7. E-check. This is also the order of payment methods that will be used if a previously selected payment method to be used in a seller agreement is unavailable. Bank account transfers When you use your bank account as a payment method, you are allowing PayPal to initiate a transfer from your bank account to the recipient. For these transactions, PayPal will make electronic transfers from your bank account in the amount you specify. You can cancel authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for any agreement in reason. If you use your PayPal account settings at xxx.xxxxxx.xxx.xxto pay for an item and you select your bank account as the funding method for the transaction, remember that your PayPal account is issued to you by PayPal and not your bank. Pay with Rewards PayPal may allow you to redeem rewards The terms, benefits, and protections associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information vary from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount those that apply to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balancebank account. If you split use your payment between PayPal account to make a purchase that exceeds the balance in your reward balance and another payment methodlinked bank account, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differentlyyou could incur overdraft fees, please check even if you chose not to allow overdrafts with your card issuer for more informationbank. If your card information changes (including if it is reissued with a new account number)Similarly, you may need the liability limits applicable to update your PayPal wallet and re-enroll account may differ from those applicable to your card to continue using rewardsbank account.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxx.xxxxxx.xx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be shown as the primary method of payment. If you have not able to be processed from chosen a preferred payment method, it’s still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family using your PayPal balance (if available) or your bank account, we waive all feessending is usually free, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into to pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxx.xxxxxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank accountaccount (instant transfer); 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. debit card; and 46. credit card; and 7. E- cheque. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xxon xxx.xxxxxx.xx. Pay with Rewards PayPal may allow Bank account transfers When you to redeem rewards associated with use your eligible card(s) when making a purchase with your PayPal bank account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, you are allowing PayPal and/or to initiate a transfer from your issuer bank account to the recipient. For these transactions, PayPal will choose make electronic transfers from your bank account in the order amount you specify. You authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for any reason. E-cheque E-cheque is a payment method where you use your bank account as your payment method, and split the payment is not received by the recipient until the transaction is processed from the bank. This process usually takes 3-5 Business Days, but this amount of funds when processing time will increase if the payment is sent from a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new bank account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewardslocated outside Canada.

Payment Method Used for My Transaction. ‌ Selecting a preferred payment method Paying online If you have chosen an online method‌ You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxx.xxxxxx.xxx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise You can set separate preferred payment methods for online transactions, in-store transactions, and each of your automatic payment agreements, as described below. If you have chosen a preferred payment method, it will be shown as the primary method of payment. If you have not able chosen a preferred payment method, then you must choose the payment method to be processed from your accountused for the specific transaction. The availability of certain payment methods may be limited based on that particular seller or the third third-party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. Backup payment method Certain one-time online transactions may require that a backup funding payment method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding payment method may be displayed to you on your transaction review page, page before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family using the Send Money feature When you send money to friends and family using the Send Money feature in your PayPal account to eligible PayPal accounts within the U.S. using balance in your Balance Account linked to your personal account, the balance in your business account, or your bank account, we waive all feesfees charged to you (as per our Fee pages), so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you You always have the choice to select any payment method in your PayPal account by clicking the “Change” link on during the Send Money pageexperience. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into an agreement with them that permits the seller to request that we process your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank account; 3. debit card; and 4. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewards.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be processed from your accountshown as the primary method of payment. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money Automatic payments Some sellers allow you to friends and family When you send money store PayPal as the way to friends and family using your PayPal balance or your bank account, we waive all feespay when making purchases on their site, so we always show you these payment options firstcan check out faster. Often, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balancedebit card; 2. bank account; 3. debit credit card; and 43. credit cardE-check. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xx. Pay with Rewards PayPal may allow E-check E-check is a payment method where you to redeem rewards associated with use your eligible card(s) when making a purchase with bank account as your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer and the payment is not received by the recipient until the transaction is processed from the bank. This process usually takes 3-5 Business Days, but this amount of time will choose increase if the order and split payment is sent from a bank account located outside of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewardsMexico.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be processed from your accountshown as the primary method of payment. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money Automatic payments Some sellers allow you to friends and family When you send money store PayPal as the way to friends and family using your PayPal balance or your bank account, we waive all feespay when making purchases on their site, so we always show you these payment options firstcan check out faster. Often, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balancedebit card; 2. bank account; 3. debit credit card; and 43. credit cardE-check. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewardsxxxxxx.xx.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying You can choose any of the payment methods in your PayPal account as your preferred payment method. You can select a automatic payment method in your account preferences on xxx.xxxxxx.xxx or in the PayPal app. You can set separate preferred payment methods for online transactions, in-store transactions and pre- approved payments with a seller. If you have chosen an online preferred payment method, it will be shown as the primary method of paymentpayment when making a purchase or sending money via goods and services. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen a preferred payment method for in in-store transactions or for automatic paymentspayments with a seller and you do not have any money in your PayPal balance, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available will be used for your purchase. If you do have a PayPal balance, your PayPal balance will be used first and your preferred payment method you choose will be used for any remaining amountamount due. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has expired. We may remove cards that are expired or otherwise not able to be processed from your account. The Also, the availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If no preferred payment method, it’s still your choice For online and in-store transactions if you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you multiple available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select the one of your choosing during the transaction. Backup payment method Certain one-time online transactions trasactions may require that a backup back-up funding method be used in the event that your selected or preferred payment method has is expired or declined. In those instances, the backup funding method may be maybe displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family using your PayPal balance or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into an agreement with them that permits the seller to request that we process your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank account; 3. debit card; and 4. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewards.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen a preferred payment method for in store transactions or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amount. There may be times when your preferred payment method cannot be used, for example, if you select a card that has expired. We may remove cards that are expired or otherwise not able to be processed from your account. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declined. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family using your PayPal balance or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into an agreement with them that permits the seller to request that we process your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank account; 3. debit card; and 4. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewards.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxx.xxxxxx.xxx.xx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be shown as the primary method of payment. If you have not able to be processed from chosen a preferred payment method, it’s still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal arranges or your card issuer performs the currency conversion on your backup payment method. Sending money Automatic payments Some sellers allow you to friends and family When you send money store PayPal as the way to friends and family using your PayPal balance or your bank account, we waive all feespay when making purchases on their site, so we always show you these payment options firstcan check out faster. Often, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You For purchases of goods and services, you can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxx.xxxxxx.xxx/xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. Note that in case of purchases in installments, your credit card will always be charged. If your chosen payment method for purchases of goods and services is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank account; 3. debit card; and 4. credit card. You can cancel any agreement in your account settings at on xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewards.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online method‌ You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxx.xxxxxx.xxx.xx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise You can set separate preferred payment methods for online transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be shown as the primary method of payment. If you have not able to be processed from chosen a preferred payment method, it’s still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal arranges or your card issuer performs the currency conversion on your backup payment method. Sending money Automatic payments Some sellers allow you to friends and family When you send money store PayPal as the way to friends and family using your PayPal balance or your bank account, we waive all feespay when making purchases on their site, so we always show you these payment options firstcan check out faster. Often, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You For purchases of goods and services, you can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxx.xxxxxx.xxx/xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If Note that in case of purchases in installments, your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will always be in the following order, if applicable: 1. balance; 2. bank account; 3. debit card; and 4. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewardscharged.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxx.xxxxxx.xxx.xx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be shown as the primary method of payment. If you have not able to be processed from chosen a preferred payment method, it’s still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal arranges or your card issuer performs the currency conversion on your backup payment method. Sending money Automatic payments Some sellers allow you to friends and family When you send money store PayPal as the way to friends and family using your PayPal balance or your bank account, we waive all feespay when making purchases on their site, so we always show you these payment options firstcan check out faster. Often, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You For purchases of goods and services, you can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxx.xxxxxx.xxx/xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. Note that in case of purchases in installments, your credit card will always be charged. If your chosen payment method for purchases of goods and services is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank account; 3. debit card; and 43. credit card. You can cancel any agreement in your account settings at on xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewards.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online preferred payment method, it will be shown as the primary method of payment. We'll ’ll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll ’ll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen a preferred payment method for in store transactions or for automatic payments, we'll ’ll process the payment using: •  any PayPal balance you hold in the currency of the payment; then •  your preferred payment method or an available payment method you choose for any remaining amount. There may be times when your preferred payment method cannot be used, for example, if you select a card that has expired. We may remove cards that are expired or otherwise not able to be processed from your account. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declined. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family using your PayPal balance or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your account by clicking the “Change” link on the Send Money page. We will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing PayPal as your way of paying a seller may involve entering into an agreement with them that permits the seller to request that we process your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank account; 3. debit card; and 4. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewards.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountaccount preferences on xxxxxx.xx. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise not able to You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be processed from your accountshown as the primary method of payment. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the "Manage" link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Pre-paid cards may not be used to fund a transaction unless otherwise notified by PayPal. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family using your PayPal balance (if available) or your bank account, we waive all fees, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into to pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xxon xxxxxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank accountaccount (instant transfer); 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. debit card; and 46. credit card. You can cancel any agreement authorised automatic payment to a particular seller in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewardssettings.

Payment Method Used for My Transaction. Selecting a preferred payment method Paying online If you have chosen an online You can choose any of the payment methods in your PayPal account as your preferred payment method, it will be shown as the primary method of payment. We'll process payments for goods or services made online using your preferred payment method or an available payment method you choose for a particular transaction during checkout. We'll process payments to friends and family using an available payment method you choose for the transaction. In-store and Automatic Payments If you have chosen You can select a preferred payment method for in store transactions your account preferences on xxx.xxxxxx.xx or for automatic payments, we'll process the payment using: • any PayPal balance you hold in the currency of the payment; then • your preferred payment method or an available payment method you choose for any remaining amountPayPal app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that has is expired. We may remove cards that are expired or otherwise You can set separate preferred payment methods for online transactions, in-store transactions and automatic payments with a seller. If you have chosen a preferred payment method, it will be shown as the primary method of payment. If you have not able to be processed from chosen a preferred payment method, it’s still your accountchoice. The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method has expired or declinedis unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one- time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method. Sending money to friends and family When you send money to friends and family using your PayPal balance (if available) or your bank account, we waive all feessending is usually free, so we always show you these payment options first, if available, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. We If you select a payment method with a fee, we will always show you if there is a fee and how much the fee is before you send money. Automatic payments Choosing Some sellers allow you to store PayPal as your the way of paying a seller may involve entering into to pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with them the seller that permits the seller them to request that we process charge your PayPal account each time you make a purchase. You can select a payment method for future purchases with a particular seller either at the time of creating the agreement or in your account settings at xxx.xxxxxx.xxx.xx. For example, you can instruct your monthly movie subscription service to always charge your credit card in your PayPal wallet for the monthly cost. If your chosen payment method is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a payment method, or if you have not designated a payment method for future transactions with a seller, the payment method used will be in the following order, if applicable: 1. balance; 2. bank account; 3. debit card; and 4. credit card. You can cancel any agreement in your account settings at xxx.xxxxxx.xxx.xx. Pay with Rewards PayPal may allow you to redeem rewards associated with your eligible card(s) when making a purchase with your PayPal account through PayPal's Pay with Rewards program. PayPal may share with and receive information from your issuer about your issuer accounts to complete the redemption of your rewards when using PayPal's Pay with Rewards program. The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option. All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement, and/or your card agreement and reward program terms. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). There may be a delay between checkout with Pay with Rewards and processing of your payment. Only rewards available upon processing of your payment will be used. Because your reward balance and/or transaction balance may change, whenever you request to redeem rewards for a purchase you also authorise PayPal to charge up to the full payment amount to your associated card if that happens. Cancellations and refunds are subject to your merchant's cancellation and refund policy. PayPal may cancel your transaction as outlined in this user agreement. If your transaction is cancelled or you return your purchase, your refund will be processed back as a dollar amount; depending on your card agreement and reward program terms with your issuer, your issuer may or may not credit your purchase back to your reward balance. If you split your payment between your reward balance and another payment method, PayPal and/or your issuer will choose the order and split of funds when processing a cancellation or refund. Each card issuer may treat chargebacks for purchases involving rewards redemption differently, please check with your card issuer for more information. If your card information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card to continue using rewards.