Common use of PayPal's Seller Protection Program Clause in Contracts

PayPal's Seller Protection Program. What's eligible If you sell a good or service to a buyer, you may be eligible for PayPal's Seller Protection program. When it applies, PayPal's Seller Protection program entitles you to retain the full purchase amount. There is no limit on the number of payments eligible for PayPal's Seller Protection program. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize or benefit from funds sent from their PayPal account (referred to as an "Unauthorized Transaction" and the Unauthorized Transaction occurs in an environment hosted by PayPal; or • They did not receive the item from you (referred to as an "Item Not Received" claim). PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection processes on sellers. Basic requirements To be eligible for PayPal's Seller Protection program, all of the following basic requirements must be met, as well as any applicable additional requirements: • You provide us with valid proof of shipment or proof of delivery. • In the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection program. • The item must be a tangible item except for items subject to the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details page. • You must provide proof of delivery as described below.

PayPal's Seller Protection Program. What's eligible If you sell Claims with a good transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favour by PayPal or service your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a buyer, claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be eligible required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for PayPal's Seller Protection programthose actions. When it appliesDisputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, PayPal's Seller Protection program entitles but the claim itself may still be included in the overall calculation of your dispute ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you to retain a chargeback fee for facilitating the full purchase amountchargeback process. There This fee will apply regardless of whether the buyer is no limit successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is the amount specified on the number Chargeback Fees table in the currency of payments eligible for PayPal's Seller Protection programthe original transaction. By accessing If the transaction details page was in a currency not listed in the Chargeback fee table, the fee charged will be in your PayPal account you can determine whether or not your transaction is eligible for protection under this programprimary holding currency. PayPal's Seller Protection program may apply when If a buyer claims that: • They did files a chargeback, the card issuer, not authorize or benefit from funds sent from their PayPal account (referred to as an "Unauthorized Transaction" and PayPal, will determine who wins the Unauthorized Transaction occurs in an environment hosted by PayPal; or • They did not receive the item from you (referred to as an "Item Not Received" claim)chargeback. PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection processes on sellerssellers You should read and understand PayPal's Buyer Protection program and if you sell goods and services to and receive payments from buyers with PayPal accounts in countries/regions other than your own, you should also be familiar with PayPal's Buyer Protection available to buyers in each of those countries/regions. Basic requirements To be eligible Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's Seller Protection program, all programs on the Legal Agreements page by selecting your buyer's location at the top of the following basic requirements must be met, as well as page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any applicable additional requirementscountry/region: • You provide us with valid proof of shipment or proof of deliverywill be required to reimburse PayPal for your liability. • In Your liability will include the case full purchase price of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped plus the original shipping cost (and in some cases you may not receive the item back), and the PayPal fees that you were charged for the transaction. This applies when you are the primary seller or provided to the buyer no later than two days after PayPal notified you a secondary seller of the dispute goods or reversalservices. For example, if PayPal notifies event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that may not receive the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection programback. • The item must Buyer Protection claim will only be a tangible item except for items subject to considered fully resolved if: o the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected refund to a different addressbuyer is processed through PayPal, or o you will not be eligible for PayPal's Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond evidence acceptable to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on that the eligibility requirements, any information or documentation provided during buyer agreed to the alternative resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details pageprovided. • You must will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide proof a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of delivery your buyers under that program as described belowa basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal account.

PayPal's Seller Protection Program. WhatClaims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is the amount specified on the Chargeback Fee table in the currency of the original transaction. If the transaction was in a currency not listed in the Chargeback Fee Table, the fee charged will be in your primary holding currency. If a buyer files a chargeback, the card issuer, not PayPal, will determine who wins the chargeback. Impact of various buyer protection processes on sellers You should read and understand PayPal's eligible If Buyer Protection program and if you sell a good or service goods and services to a buyerand receive payments from buyers with PayPal accounts in countries/regions other than your own, you may be eligible for PayPal's Seller Protection program. When it applies, PayPal's Seller Protection program entitles you to retain the full purchase amount. There is no limit on the number of payments eligible for PayPal's Seller Protection program. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize or benefit from funds sent from their PayPal account (referred to as an "Unauthorized Transaction" and the Unauthorized Transaction occurs in an environment hosted by PayPal; or • They did not receive the item from you (referred to as an "Item Not Received" claim). PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various PayPal Buyer Protection processes on sellersavailable to buyers in each of those countries/regions. Basic requirements To be eligible Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's Seller Protection program, all programs on the Legal Agreements page by selecting your buyer's location at the top of the following basic requirements must be met, as well as page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any applicable additional requirementscountry/region: • You provide us with valid proof of shipment or proof of deliverywill be required to reimburse PayPal for your liability. • In Your liability will include the case full purchase price of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped plus the original shipping cost (and in some cases you may not receive the item back), and the PayPal fees that you were charged for the transaction. This applies when you are the primary seller or provided to the buyer no later than two days after PayPal notified you a secondary seller of the dispute goods or reversalservices. For example, if event ticketing agents, or online travel agents will be liable for the full purchase amount paid by the buyer. • You will not receive a refund of the PayPal notifies fees that you of an Unauthorized Transaction paid in connection with the sale. • If the claim on September 1, the valid proof of shipment must indicate was that the item received was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection program. • The item must be a tangible item except for items subject to the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner Significantly Not as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requestedDescribed, you may not receive the item back, or you may be eligible required to accept the item back pay for PayPal's Seller Protectionreturn shipping costs. • If the sale involves pre-ordered or made-to-order goodsclaim was that the item received was "Significantly Not as Described" and related to an item you sold that is counterfeit, you must ship within will be required to provide a full refund to the timeframe buyer and you specified in may not receive the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded)item back. • The payment must Buyer Protection claim will only be marked “eligible” considered fully resolved if: o the refund to a buyer is processed through PayPal; or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for o you provide evidence acceptable to PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible that the buyer agreed to the alternative resolution provided. If you accept PayPal payments from buyers for PayPal's Seller Protection goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will make treat eBay's decisions in favor of your buyers under that program as a decisionbasis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed belowwe may: • Where Place a buyer files hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details page. • You must provide proof of delivery as described belownegative balance in your PayPal account.

PayPal's Seller Protection Program. What's eligible Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through a PayPal Guest Checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee with apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback Fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table, the fee charged will be in your primary holding currency. Impact of various purchase protection processes on sellers You should read and understand PayPal’s Purchase Protection program, Venmo’s Protected Purchase Program, and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection available to buyers in each of those countries. Buyers’ rights under these programs may impact you as a seller. You can find information about PayPal’s protection programs on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding user agreement. You can find information on Venmo’s Protected Purchase Program in Venmo’s user agreement. If you sell lose a good claim under PayPal’s Purchase Protection program in any country, or service to under Venmo’s Protected Purchase Program: • You must forfeit the full purchase price of the item plus the original shipping cost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases, you may be eligible for PayPal's Seller Protection program. When it applies, PayPal's Seller Protection program entitles you to retain the full purchase amount. There is no limit on the number of payments eligible for PayPal's Seller Protection program. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize or benefit from funds sent from their PayPal account (referred to as an "Unauthorized Transaction" and the Unauthorized Transaction occurs in an environment hosted by PayPal; or • They did not receive the item from you (referred to as an "Item Not Received" claim). PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection processes on sellers. Basic requirements To be eligible for PayPal's Seller Protection program, all of the following basic requirements must be met, as well as any applicable additional requirements: • You provide us with valid proof of shipment or proof of delivery. • In the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection programback. • The item must Purchase Protection claim will only be a tangible item except for items subject to considered fully resolved if: o the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected refund to a different addressbuyer is processed through PayPal or Venmo, as applicable, or o you will not be eligible for PayPal's Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond evidence acceptable to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on that the eligibility requirements, any information or documentation provided during buyer agreed to the alternative resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details pageprovided. • You must will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide proof a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of delivery your buyers under that program as described belowa basis for reversing a PayPal payment made to you. If the balance in your Balance Account or business PayPal account is insufficient to cover the amount, we may: • place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount; or • create a negative balance in your PayPal account.

PayPal's Seller Protection Program. What's ’s eligible If you sell a good or service to a buyer, you may be eligible for PayPal's ’s Seller Protection program. When it applies, PayPal's ’s Seller Protection program entitles you to retain the full purchase amount. There is no limit on the number of payments eligible for PayPal's ’s Seller Protection program. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's ’s Seller Protection program may apply when a buyer claims that: • They did not authorize or benefit from funds sent from their PayPal account (referred to as an "“Unauthorized Transaction" ” claim), and the Unauthorized Transaction occurs in an environment hosted by PayPal; or • They did not The buyer didn’t receive the item from you (referred to as an "“Item Not Received" ” claim). PayPal's ’s Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's ’s bank. This section describes PayPal's ’s Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection purchase protection processes on sellers. Basic requirements To be eligible for PayPal's ’s Seller Protection program, all of the following basic requirements must be met, as well as any applicable additional requirements: • You provide us The primary address for your PayPal account must be in Canada. • The item must be a physical, tangible good that can be shipped, except for items subject to the Intangible Goods Additional Requirements. Transactions involving items that you deliver in person in connection with payment made in your physical store, may also be eligible for PayPal's Seller Protection program so long as the buyer paid for the transaction in-person by using a PayPal goods and services QR code. • Provide valid proof of shipment or delivery. • For eligible tangible items, you must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction or list the item for sale in a classified advertisement and complete the transaction in person. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's Seller Protection program. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. o The shipping requirement does not apply to eligible transactions involving items that you deliver in person, provided, however, that you agree to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction that we may request. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal’s request for documentation and other information in the time requested, you may not be eligible for PayPal’s Seller Protection program. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • The payment must be marked "eligible" or "partially eligible" in the case of Unauthorized Transaction claims, or "eligible" in the case of Item Not Received claims, for PayPal's Seller Protection program on the Transaction Details page. • In the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection program. • The item must be a tangible item except for items subject to the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible qualifies for PayPal's ’s Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, process or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's ’s Seller Protection program for a buyer's ’s Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "“eligible" or "partially eligible" ” for PayPal's ’s Seller Protection program on the transaction details Transaction Details page. • You must provide proof of delivery as described below. Intangible Goods additional requirements For the sale of intangible goods to be eligible for PayPal’s Seller Protection program, the sale must meet the basic requirements and the following additional requirements: • Integration Requirements • Where you have integrated a PayPal checkout product, you must be using the current version of that product if you are accepting payments directly via a website or mobile optimized website; or • Ensure you are passing session information to PayPal at checkout if you are integrated with PayPal via a third party or if you have a native app integration. • Other integration requirements may apply depending on your business model. We will let you know those requirements ahead of time, if needed. • For the sale of digital goods or licenses for digital content to be eligible for PayPal’s Seller Protection program you must have paid Standard Transaction Fees on the sale. • Delivered the item and provided Proof of shipment or delivery for Intangible Goods. • Provide signature confirmation when the full amount of the payment (including shipping and taxes) exceeds the amount listed in the signature confirmation threshold table (based on the currency of the payment). If the full amount of the payment (including shipping and taxes) is in a currency not listed in the table, then signature confirmation is required when the payment exceeds the equivalent of $750 USD at the PayPal exchange rate that applies at the time the transaction is processed.

PayPal's Seller Protection Program. What's ’s eligible If you sell a good or service something to a buyerbuyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal's ’s Seller Protection program. When it applies, PayPal's ’s Seller Protection program entitles you to retain the full purchase amountamount and we will waive any related chargeback fees paid (for debit and credit card-funded transactions). There is no limit on the number of payments eligible for PayPal's Seller Protection programwhich you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's ’s Seller Protection program may apply when a buyer claims that: • They did not authorize or benefit from funds sent from their PayPal account (referred to as an "“Unauthorized Transaction" ” claim), and the Unauthorized Transaction occurs in an environment hosted by PayPal; or • They did not The buyer didn’t receive the item from you (referred to as an "“Item Not Received" ” claim). PayPal's ’s Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's ’s bank. This section describes PayPal's ’s Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection purchase protection processes on sellers. sellers.‌ Basic requirements To be eligible for PayPal's ’s Seller Protection programProtection, all of the following basic requirements must be met, as well as any applicable additional requirements: • You provide us with valid proof of shipment or proof of delivery. • In the case of an Unauthorized Transaction claim, you The primary address for your PayPal account must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection programin Canada. • The item must be a physical, tangible item good that can be shipped, except for items subject to the Intangible Goods Additional Requirements. Transactions involving items that you deliver in person in connection with payment made in your physical store, may also be eligible for Seller Protection so long as the buyer paid for the transaction in-person by using a PayPal goods and services QR code. • You Provide valid proof of shipment or delivery. • For eligible tangible items, you must ship the item to the shipping address on the transaction details page in your PayPal account for the transactiontransaction or list the item for sale in a classified advertisement and complete the transaction in person. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • The shipping requirement does not apply to eligible transactions involving items that you deliver in person, provided, however, that you agree to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction that we may request. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's ’s request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “"eligible” " or “"partially eligible” " in the case of Unauthorized Transaction claims, or “"eligible” " in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible qualifies for PayPal's the Seller Protection program. PayPal will make a decision, in its sole discretion, based on the coverage and eligibility requirements, any information or documentation provided during the resolution process, process or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's ’s Seller Protection program for a buyer's ’s Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "“eligible" or "partially eligible" ” for PayPal's ’s Seller Protection on the Transaction Details page. Unauthorized Transactions additional requirements To be eligible for PayPal’s Seller Protection program for a buyer’s Unauthorized Transaction claim, you must meet both the basic requirements and the additional requirements listed below: • The payment must have been made in connection with a transaction details pagewhere the buyer logged into their PayPal account to complete the transaction. That is, transactions that you complete, on the buyer’s behalf pursuant to an agreement with that buyer, where PayPal is stored as the payment method (such as automatic payments) do not qualify for protection from Unauthorized Transactions under PayPal’s Seller Protection program. • You must provide proof of shipment or delivery as described below unless the payment was for an item that was listed for sale in a classified advertisement and you completed the transaction in person. Intangible Goods additional requirements‌ For the sale of intangible goods to be eligible for PayPal’s Seller Protection, the sale must meet the basic requirements and the following additional requirements: • Integration Requirements • Where you have integrated a PayPal checkout product, you must be using the current version of that product if you are accepting payments directly via a website or mobile optimized website; or • Ensure you are passing session information to PayPal at checkout if you are integrated with PayPal via a third party or if you have a native app integration. • Other integration requirements may apply depending on your business model. We will let you know those requirements ahead of time, if needed. • For the sale of digital goods or licenses for digital content to be eligible for Seller Protection you must have paid Standard Transaction Fees on the sale. • Delivered the item and provided Proof of shipment or delivery for Intangible Goods. • Provide signature confirmation when the full amount of the payment (including shipping and taxes) exceeds the amount listed in the signature confirmation threshold table (based on the currency of the payment). If the full amount of the payment (including shipping and taxes) is in a currency not listed in the table, then signature confirmation is required when the payment exceeds the equivalent of $750 USD at the PayPal exchange rate that applies at the time the transaction is processed. Establishing proof of delivery or proof of shipment‌ Physical Goods The following is required as proof of shipment or delivery for physical goods: Proof of shipment Proof of delivery Online or physical documentation from a shipping company that includes: • Date of shipment • An address for the recipient that matches the shipping address on the Transaction Details page • An address for the recipient showing at least the city/province, city/country, or postal/zip code (or international equivalent). Online or physical documentation from a shipping company that includes: • Date of delivery and “delivered” status • An address for the recipient that matches the shipping address on the Transaction Details page • An address for the recipient showing at least the city/province, city/country, or postal/zip code (or international equivalent). • Signature confirmation when the full amount of the payment including shipping and taxes exceeds a fixed amount (based on the currency of the payment) listed in the signature confirmation threshold table below. Signature confirmation is online documentation, viewable at the shipping company’s website, indicating that the item was signed for. IMPORTANT: Your choice of carrier and shipment options with that carrier can have a big impact on your ability to meet the proof of delivery requirements. Please ensure, especially when shipping goods internationally, that your carrier can provide ‘delivered’ status at the correct address, or your Seller Protection claim may be denied. Intangible Goods The following is required as proof of shipment or delivery for intangible goods: QR Code Transactions The following is required as proof of shipment or proof of delivery: For intangible or digital goods, proof of shipment or delivery means compelling evidence to show the item was delivered or the purchase order was fulfilled. Compelling evidence could include a system of record showing the date the item was sent and that it was either: • Electronically sent to the recipient, including the recipient’s address (email, IP, etc.), where applicable; or • Received or accessed by the recipient. For QR code transaction you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. Signature confirmation currency thresholds Currency Transaction value Currency Transaction value Australian Dollar: 850 AUD New Zealand Dollar: 950 NZD Brazilian Real: 1,750 BRL Norwegian Krone: 4,600 NOK Canadian Dollar: 850 CAD Philippine Peso: 34,000 PHP Czech Koruna: 15,000 CZK Polish Zlotych: 2,300 PLN Danish Krone: 4,100 DKK Russian Xxxxx: 48,000 RUB Euro: 000 XXX Xxxxxxxxx Dollar: 950 SGD Hong Kong Dollar: 6,000 HKD Swedish Krona: 4,950 SEK Hungarian Forint: 170,000 HUF Swiss Franc: 000 XXX Xxxxxxx Shekel: 2,700 ILS Taiwan New Dollar: 23,000 TWD Japanese Yen: 77,000 JPY Thai Baht: 24,500 THB Malaysian Ringgit: 3,100 MYR U.K. Pounds Sterling: 450 GBP Mexican Peso: 10,000 MXN U.S. Dollar: 750 USD Ineligible items and transactions Your sale is not eligible for coverage under PayPal’s Seller Protection program if: • The buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a “Significantly Not as Described” claim). • It involves an item that PayPal determines, in its sole discretion, is a counterfeit item. • It involves an item that you deliver in person, including in connection with a payment made in your physical store, unless the buyer paid for the transaction in-person by using a PayPal goods and services QR code. • It involves sales that are not processed either through a buyer’s PayPal account or a PayPal guest checkout transaction. For example, if the sale was made using the PayPal Payments Pro product, then it is not eligible for coverage. • It involves items equivalent to cash including gift cards. • It involves a donation. • It relates to the purchase of a financial product or investment of any kind. • It involves a payment sent using PayPal’s friends and family functionality. • It involves a payment made using PayPal Payouts and Mass Pay. • The item is a vehicle, including, but not limited to a motor vehicle, motorcycle, recreational vehicle, aircraft or boat. • Payments made in respect of gold (whether in physical form or in exchange-traded form).

PayPal's Seller Protection Program. What's ’s eligible If you sell a good or service something to a buyerbuyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal's Seller Protection program. When it applies, PayPal's Seller Protection program entitles you to retain the full purchase amountamount and we will waive any related chargeback fees paid (for debit and credit card-funded transactions). There is no limit on the number of payments eligible for PayPal's Seller Protection programwhich you can receive protection. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize or benefit from funds sent from their PayPal account (referred to as an "Unauthorized Transaction" claim), and the Unauthorized Unauthorised Transaction occurs in an environment hosted by PayPal; or • They did not buyer didn't receive the item from you (referred to as an "Item Not Received" claim). PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection buyer protection processes on sellers. Basic requirements To be eligible for PayPal's Seller Protection programProtection, all of the following basic requirements must be met, as well as any applicable additional requirements: • You provide us with valid proof of shipment or proof of delivery. • In the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection program. • The item must be a tangible item except for items subject to the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details page. • You must provide proof of delivery as described below.

PayPal's Seller Protection Program. What's eligible If you sell Claims with a good transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favour by PayPal or service your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a buyer, claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be eligible required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for PayPal's Seller Protection programthose actions. When it appliesDisputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, PayPal's Seller Protection program entitles but the claim itself may still be included in the overall calculation of your dispute ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you to retain a chargeback fee for facilitating the full purchase amountchargeback process. There This fee will apply regardless of whether the buyer is no limit successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is the amount specified on the number Chargeback Fees table in the currency of payments eligible for PayPal's Seller Protection programthe original transaction. By accessing If the transaction details page was in a currency not listed in the Chargeback fee table, the fee charged will be in your PayPal account you can primary holding currency. If a buyer files a chargeback, the card issuer, not PayPal, will determine whether or not your who wins the chargeback. The chargeback fee is applied as specified in the Chargeback Fee Table in the currency of the original transaction. If the transaction is eligible for protection under this programin a currency not listed in the Chargeback Fee Table the fee assessed in your primary holding currency. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize or benefit from funds sent from their PayPal account (referred to as an "Unauthorized Transaction" and the Unauthorized Transaction occurs in an environment hosted by PayPal; or • They did not receive the item from you (referred to as an "Item Not Received" claim). PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection processes on sellerssellers You should read and understand PayPal's Buyer Protection program and if you sell goods and services to and receive payments from buyers with PayPal accounts in countries/regions other than your own, you should also be familiar with PayPal's Buyer Protection available to buyers in each of those countries/regions. Basic requirements To be eligible Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's Seller Protection program, all programs on the Legal Agreements page by selecting your buyer's location at the top of the following basic requirements must be met, as well as page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any applicable additional requirementscountry/region: • You provide us with valid proof of shipment or proof of deliverywill be required to reimburse PayPal for your liability. • In Your liability will include the case full purchase price of an Unauthorized Transaction claimthe item plus the original shipping cost (and in some cases you may not receive the item back), and the PayPal fees that you must provide valid proof were charged for the transaction. • You will not receive a refund of shipment or proof of delivery the PayPal fees that demonstrates you paid in connection with the sale. • If the claim was that the item received was shipped Significantly Not as Described, you may not receive the item back, or provided you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer no later than two days after PayPal notified and you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that may not receive the item was shipped back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the buyer no later than September 3 to be eligible for PayPal’s Seller Protection eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • The item must be Place a tangible item except for items subject to the Intangible Goods Additional Requirements. • You must ship the item to the shipping address hold on the transaction details page your PayPal account until sufficient funds become available in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to cover such claim; or • Create a different address, you will not be eligible for PayPal's Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information negative balance in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a your PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details page. • You must provide proof of delivery as described belowaccount.

PayPal's Seller Protection Program. What's ’s eligible If you sell a good or service something to a buyerbuyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal's Seller Protection program. When it applies, PayPal's Seller Protection program entitles you to retain the full purchase amountamount and we will waive any related chargeback fees paid (for debit and credit card-funded transactions). There is no limit on the number of payments eligible for PayPal's Seller Protection programwhich you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize authorize, or benefit from from, funds sent from their PayPal account (referred to as an "Unauthorized Transaction" claim) and the Unauthorized Transaction occurs in an environment hosted by PayPalPaypal; or • They did not The buyer didn't receive the item from you (referred to as an "Item Not Received" claim)) and files a chargeback with their issuer. PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection buyer protection processes on sellers. Basic requirements To be eligible for PayPal's Seller Protection programProtection, all of the following basic requirements must be met, as well as any applicable additional requirements: • You provide us with valid proof of shipment or proof of delivery. • In the case of an Unauthorized Transaction claim, you The primary address for your PayPal account must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection programin India. • The item must be a tangible item except for items subject to intangible goods meeting the Intangible Goods Additional Requirements. • You For eligible tangible items, you must ship the item to the shipping address on the transaction details page in your PayPal account for the transactiontransaction or list the item for sale in a classified advertisement and complete the transaction in person. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded)Provide proof of shipment or delivery as described. • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details page. • You must provide proof of delivery as described below.

PayPal's Seller Protection Program. WhatClaims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal's eligible Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio. Chargeback fees For transactions that are not processed either through a buyer's PayPal account or through a guest checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee with apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback Fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table, the fee charged will be in your primary holding currency. Impact of various purchase protection processes on sellers You should read and understand PayPal's Purchase Protection program, Venmo's Protected Purchase Program, and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection available to buyers in each of those countries. Buyers' rights under these programs may impact you as a seller. You can find information about PayPal's protection programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the corresponding user agreement. You can find information on Venmo's Protected Purchase Program in Venmo's user agreement. If you sell lose a good claim under PayPal's Purchase Protection program in any country, or service to under Venmo's Protected Purchase Program: • You must forfeit the full purchase price of the item plus the original shipping cost. In some cases you may not receive the item back. • You will not receive a buyerrefund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be eligible required to accept the item back and pay for PayPal's Seller Protection the return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. When it appliesUnless you opt out by calling eBay, PayPalPayPal will treat eBay's Seller Protection decisions in favor of your buyers under that program entitles you as a basis for reversing a PayPal payment made to retain you. If the full purchase balance in your Cash Account or business PayPal account is insufficient to cover the amount. There is no limit , we may: • place a hold on the number of payments eligible for PayPal's Seller Protection program. By accessing the transaction details page your PayPal account until sufficient funds become available in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize or benefit from funds sent from their PayPal account (referred to as an "Unauthorized Transaction" and cover the Unauthorized Transaction occurs in an environment hosted by PayPalamount; or • They did not receive the item from you (referred to as an "Item Not Received" claim). PayPal's Seller Protection program may also apply when create a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection processes on sellers. Basic requirements To be eligible for PayPal's Seller Protection program, all of the following basic requirements must be met, as well as any applicable additional requirements: • You provide us with valid proof of shipment or proof of delivery. • In the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection program. • The item must be a tangible item except for items subject to the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details page negative balance in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details page. • You must provide proof of delivery as described belowaccount.

PayPal's Seller Protection Program. What's ’s eligible If you sell a good or service something to a buyerbuyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal's Seller Protection program. When it applies, PayPal's Seller Protection program entitles you to retain the full purchase amountamount and we will waive any related chargeback fees paid (for debit and credit card-funded transactions). There is no limit on the number of payments eligible for PayPal's Seller Protection programwhich you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize authorise or benefit from funds sent from their PayPal account (referred to as an "Unauthorized Unauthorised Transaction" and the Unauthorized Transaction occurs in an environment hosted by PayPalclaim); or • They did not The buyer didn't receive the item from you (referred to as an "Item Not Received" claim). PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection buyer protection processes on sellers. Basic requirements To be eligible for PayPal's Seller Protection programProtection, you must meet all of the following basic requirements requirements: • The primary address for your PayPal account must be met, as well as any applicable additional requirements: in India. • You provide us with valid proof of shipment or proof of delivery. • In the case of an Unauthorized Transaction claimFor eligible tangible items, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection program. • The item must be a tangible item except for items subject to the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transactiontransaction or list the item for sale in a classified advertisement and complete the transaction in person. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details page. • You must provide proof of delivery as described below.

PayPal's Seller Protection Program. What's ’s eligible If you sell a good or service to a buyer, you may be eligible for coverage under PayPal's ’s Seller Protection program. When it applies, PayPal's ’s Seller Protection program entitles you to retain the full purchase amount. There is no limit on the number of payments eligible for PayPal's Seller Protection programwhich you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize authorize, or benefit from from, funds sent from their PayPal account (referred to as an "Unauthorized Transaction" claim) and the Unauthorized Transaction occurs in an environment hosted by PayPalPaypal; or • They did not The buyer didn't receive the item from you (referred to as an "Item Not Received" claim)) and files a chargeback with their issuer. PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection buyer protection processes on sellers. Basic requirements To be eligible for PayPal's Seller Protection program, all of the following basic requirements must be met, as well as any applicable additional requirements: . • You provide us with valid proof of shipment or proof of delivery. • In the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection program. • The item must be a tangible item except for items subject to the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. program Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements listed above and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details Transaction Details page. • You must provide proof of delivery as described below. Intangible Goods additional requirements For the sale of intangible goods and services to be eligible for Seller Protection, the sale must meet the basic requirements and the following additional requirements: • Integration requirements: • Where you have integrated a PayPal checkout product, you must be using the current version of that product if you are accepting payments directly via a website or mobile optimized website; or • Ensure you are passing session information to PayPal at checkout if you are integrated with PayPal via a third-party or if you have a native app integration. • Other integration requirements may apply depending on your business model. We will let you know those requirements ahead of time, if needed. • Paid standard transaction fees on the sale. • Delivered the item and provide Proof of shipment or delivery for Intangible Goods. • Provide signature confirmation when the full amount of the payment (including shipping and taxes) exceeds the amount listed in the signature confirmation threshold table (based on the currency of the payment). If the full amount of the payment (including shipping and taxes) is in a currency not listed in the table, then signature confirmation is required when the payment exceeds the equivalent of $750 USD at the PayPal exchange rate that applies at the time the transaction is processed.

PayPal's Seller Protection Program. What's ’s eligible If you sell a good or service something to a buyerbuyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal's Seller Protection program. When it applies, PayPal's Seller Protection program entitles you to retain the full purchase amountamount for debit and credit card-funded transactions. There is no limit on the number of payments eligible for PayPal's Seller Protection programwhich you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize authorize, or benefit from from, funds sent from their PayPal account (referred to as an "Unauthorized Transaction" claim) and the Unauthorized Transaction occurs in an environment hosted by PayPalPaypal; or • They did not The buyer didn't receive the item from you (referred to as an "Item Not Received" claim)) and files a chargeback with their issuer. PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection buyer protection processes on sellers. Basic requirements To be eligible for PayPal's Seller Protection programProtection, all of the following basic requirements must be met, as well as any applicable additional requirements: • You provide us with valid proof of shipment or proof of delivery. • In the case of an Unauthorized Transaction claim, you The primary address for your PayPal account must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection programin India. • The item must be a tangible item except for items subject to intangible goods meeting the Intangible Goods Additional Requirements. • You For eligible tangible items, you must ship the item to the shipping address on the transaction details page in your PayPal account for the transactiontransaction or list the item for sale in a classified advertisement and complete the transaction in person. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details page. • You must provide proof of delivery as described below.

PayPal's Seller Protection Program. What's ’s eligible If you sell a good or service to a buyer, you may be eligible for PayPal's ’s Seller Protection program. When it applies, PayPal's ’s Seller Protection program entitles you to retain the full purchase amount. There is no limit on the number of payments eligible for PayPal's ’s Seller Protection program. By accessing the transaction details Transaction Details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's ’s Seller Protection program may apply when a buyer claims that: • They did not authorize authorise, or benefit from from, funds sent from their PayPal account (referred to as an "Unauthorized “Unauthorised Transaction" ” claim), and the Unauthorized Unauthorised Transaction occurs in an environment not hosted by PayPal; or • They did not didn’t receive the item from you (referred to as an "“Item Not Received" ” claim)) and files a chargeback with their issuer. PayPal's ’s Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's ’s bank. This section describes PayPal's ’s Seller Protection program as it applies to you, but you should also be familiar with the Impact of various PayPal’s Buyer Protection processes on sellers. Basic requirements To be eligible for PayPal's ’s Seller Protection program, all of the following basic requirements must be met, as well as any applicable additional requirements: • You provide us with valid proof of shipment or proof of deliveryThe primary address for your PayPal account must be in Russia. • In the case of an Unauthorized Unauthorised Transaction claim, you must provide valid proof of shipment demonstrate that you either shipped or proof of delivery that demonstrates that delivered the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Unauthorised Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection program. • The item must be a physical, tangible item good that can be shipped, except for items subject to the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details Transaction Details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details Transaction Details page but the item is later redirected to a different address, you will not be eligible for PayPal's ’s Seller ProtectionProtection program. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution CentreCenter. If you do not respond to PayPal's ’s request for documentation and other information in the time requested, you may not be eligible for PayPal's ’s Seller ProtectionProtection program. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded)Provide proof of shipment or delivery. • The payment must be marked “"eligible” " or “"partially eligible” " in the case of Unauthorized Unauthorised Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's ’s Seller Protection program on the "Transaction Details Details" page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's ’s Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, process or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details page. • You must provide proof of delivery as described below.

PayPal's Seller Protection Program. ‌ What's ’s eligible If you sell a good or service something to a buyerbuyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal's Seller Protection program. When it applies, PayPal's Seller Protection program entitles you to retain the full purchase amountamount and we will waive any related chargeback fees paid (for debit and credit card-funded transactions). There is no limit on the number of payments eligible for PayPal's Seller Protection programwhich you can receive protection. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize or benefit from funds sent from their PayPal account (referred to as an "Unauthorized Transaction" claim), and the Unauthorized Unauthorised Transaction occurs in an environment hosted by PayPal; or • They did not buyer didn't receive the item from you (referred to as an "Item Not Received" claim). PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection buyer protection processes on sellers. Basic requirements requirements‌ To be eligible for PayPal's Seller Protection programProtection, all of the following basic requirements must be met, as well as any applicable additional requirements: • You provide us with valid proof of shipment or proof of delivery. • In the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection program. • The item must be a tangible item except for items subject to the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details page. • You must provide proof of delivery as described below.

PayPal's Seller Protection Program. We offer Seller Protection based on the Seller Protection program for the country/region you selected when you opened your account. The Seller Protection program for the following countries/regions are part of this user agreement. • China, New Zealand • Indonesia, Malaysia, Philippines, Singapore, Thailand and Vietnam • Korea and Taiwan • Central Europe, Middle East and Africa (excluding Austria, Germany, Switzerland, the United Kingdom and other countries covered by a country/region-specific User Agreement) What's eligible If you sell a good or service something to a buyerbuyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal's Seller Protection program. When it applies, PayPal's Seller Protection program entitles you to retain the full purchase amountamount and we will waive any related chargeback fees paid (for debit and credit card-funded transactions). There is no limit on the number of payments eligible for PayPal's Seller Protection programwhich you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize or benefit from funds sent from their PayPal account (referred to as an "Unauthorized Transaction" and the claim) except for any Unauthorized Transaction occurs initiated in an environment not hosted by PayPal; or • They did not receive the item from you (referred to as an "Item Not Received" claim). PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection processes on sellers. Basic requirements To be eligible for PayPal's Seller Protection programProtection, you must meet all of the following basic requirements must be met, as well as any applicable additional requirements: • You provide us with valid proof of shipment or proof of delivery. • In the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection program. • The item must be a tangible item except for items subject to the Intangible Goods Additional Requirements. item, • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transactiontransaction or list the item for sale in a classified advertisement and complete the transaction in person. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details page. • You must provide proof of delivery as described below.

PayPal's Seller Protection Program. What's eligible ’s covered If you sell a good or service something to a buyerbuyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for covered by PayPal's ’s Seller Protection program. When it applies, PayPal's ’s Seller Protection program entitles you to retain the full purchase amountamount and we will waive any related chargeback fees paid (for debit and credit card-funded transactions). There is no limit on the number of payments eligible for PayPal's Seller Protection programwhich you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection coverage under this program. PayPal's ’s Seller Protection program may apply when a buyer claims that: • They The buyer did not authorize authorize, or benefit from from, funds sent from their his or her PayPal account (referred to as an "“Unauthorized Transaction" and the Unauthorized Transaction occurs in an environment hosted by PayPal” claim); or • They did not The buyer didn’t receive the item from you (referred to as an "“Item Not Received" ” claim). PayPal's ’s Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's ’s bank. This section describes PayPal's ’s Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer PayPal’s Purchase Protection processes on sellersprograms applicable to each country where your buyers are located because those programs give buyers rights that may impact you as a seller. For example, please read about PayPal’s Purchase Protection program that applies to buyers with a U.S. PayPal account. Basic requirements To be eligible for PayPal's ’s Seller Protection programProtection, you must meet all of the following basic requirements • The primary address for your PayPal account must be met, as well as any applicable additional requirements: • You provide us with valid proof of shipment or proof of delivery. • In in the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection programUnited States. • The item must be a physical, tangible item except for items subject to the Intangible Goods Additional Requirementsgood that can be shipped. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller ProtectionCenter. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for covered by PayPal's ’s Seller Protection program for a buyer's ’s Item Not Received claim, you must meet both the basic requirements listed above and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "“eligible" or "partially eligible" ” for PayPal's ’s Seller Protection on the transaction details Transaction Details page. • You must provide proof of delivery as described below. Unauthorized Transactions additional requirements To be covered by PayPal’s Seller Protection program for a buyer’s Unauthorized Transaction claim, you must meet both the basic requirements listed above and the additional requirements listed below: • The payment must be marked “eligible” or “partially eligible” for PayPal’s Seller Protection on the Transaction Details page. • You must provide proof of shipment or proof of delivery as described below. Establishing proof of delivery or proof of shipment Proof of delivery Proof of shipment The following is required as: Online or physical documentation from a shipping company that includes: Online or physical documentation from a shipping company that includes: • Date of shipment • Date of delivery and ‘delivered’ status • An address for the recipient that matches the shipping address on the Transaction Details page • An address for the recipient showing at least the city/state, city/country, or zip/postal code (or international equivalent). • An address for the recipient that matches the shipping address on the Transaction Details page • An address for the recipient showing at least the city/state, city/country, or zip/postal code (or international equivalent). • Signature confirmation, if the full amount of the payment including shipping and taxes exceeds a fixed amount (based on the currency of the payment) from the signature confirmation threshold table below. Signature confirmation is online documentation, viewable at the shipping company’s website, indicating that the item was signed for. IMPORTANT: Your choice of carrier and shipment options with that carrier can have a big impact on your ability to meet the proof of delivery requirements. Please ensure, especially when shipping goods internationally, that your carrier can provide ‘delivered’ status at the correct address, or your Seller Protection claim may be denied. Signature confirmation foreign currency thresholds Currency Transaction value Currency Transaction value Australian Dollar: 850 AUD New Zealand Dollar: 950 NZD Brazilian Real: 1,750 BRL Norwegian Krone: 4,600 NOK Canadian Dollar: 850 CAD Philippine Peso 34,000 PHP Czech Koruna: 15,000 CZK Polish Zlotych: 2,300 PLN Danish Krone: 4,100 DKK Russian Xxxxx: 48,000 RUB Euro: 000 XXX Xxxxxxxxx Dollar: 950 SGD Hong Kong Dollar: 6,000 HKD Swedish Krona: 4,950 SEK Hungarian Forint: 170,000 HUF Swiss Franc: 000 XXX Xxxxxxx Shekel: 2,700 ILS Taiwan New Dollar: 23,000 TWD Japanese Yen: 77,000 JPY Thai Baht: 24,500 THB Malaysian Ringgit: 3,100 MYR U.K. Pounds Sterling: 450 GBP Mexican Peso: 10,000 MXN U.S. Dollar: 750 USD Ineligible items and transactions Your sale is not eligible for coverage under PayPal’s Seller Protection program if: • It involves intangible, non-physical, items, including digital goods, and services. Digital goods are delivered and used in an electronic format, like a song delivered online or through a mobile application. • The buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a “Significantly Not as Described” claim). • It involves an item that PayPal determines, in its sole discretion, is a counterfeit item. • It involves an item that you deliver in person, including in connection with a payment made in your store location. • It involves sales that are not processed either through a buyer’s PayPal account or a guest checkout transaction. For example, if the sale was made using the PayPal Payments Pro/VT product, PayPal business payments or using PayPal Here, then it is not eligible for coverage. • It involves Items equivalent to cash including gift cards. PayPal Advertising Program The PayPal Advertising Program enables you to promote PayPal services, including PayPal Credit, through PayPal-hosted banners and buttons on your websites or in your customer emails. PayPal may change the content provided through this program at any time for any reason, and PayPal may choose to discontinue the PayPal Advertising Program at any time. You must not: You must: If you participate in this program: Comply with all integration requirements provided by PayPal or each authorized third party, including those with respect to accurate presentation of all PayPal related information. Modify any PayPal content or its presentation in any way. Only use the HTML code for PayPal content as provided by PayPal. Copy PayPal content from other websites. Use the PayPal content in its entirety with all the links and language provided by PayPal and without modification by you. Create, display or host your own PayPal content, unless authorized by PayPal in writing. Immediately remove all PayPal content from your sites and customer communications and/or cooperate with PayPal or your third party provider to do so, if you stop using a qualifying PayPal payments solution. Post PayPal content on social media networks or platforms or anywhere else, unless authorized by PayPal in writing. Keep all PayPal content current and up to date, including by cooperating with PayPal to manually update the PayPal content as its appears on your sites or in your communications and repair or reinstall the HTML code to facilitate future updates. Display any non-current PayPal content Comply with applicable advertising laws, regulations and standards issued by governmental authorities or advertising self-regulatory bodies including but not limited to the digital advertising standards issued by the Network Advertising Initiative. If you promote the use of PayPal Credit on your sites and customer communications through the PayPal Advertising Program, there are additional requirements that apply. If you receive customer inquiries relating to PayPal Credit, you must direct the customer to PayPal Credit Customer Support at (000) 000-0000. If a customer is unable to process a transaction using PayPal Credit, you are prohibited from communicating any reason for the decline to the customer on PayPal Credit’s behalf. You are also prohibited from representing or holding yourself out to represent PayPal Credit in any way. You are responsible for any damages suffered by PayPal or any third parties resulting from your failure to follow the rules of the PayPal Advertising Program, and if you violate these rules, PayPal may modify or remove the PayPal content you are presenting or require you to remove or modify it immediately. If you fail to follow these rules, we may limit or close your PayPal account.

PayPal's Seller Protection Program. What's eligible ’s covered If you sell a good or service something to a buyerbuyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for covered by PayPal's ’s Seller Protection program. When it applies, PayPal's ’s Seller Protection program entitles you to retain the full purchase amountamount and we will waive any related chargeback fees paid (for debit and credit card-funded transactions). There is no limit on the number of payments eligible for PayPal's Seller Protection programwhich you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection coverage under this program. PayPal's ’s Seller Protection program may apply when a buyer claims that: • They The buyer did not authorize authorize, or benefit from from, funds sent from their his or her PayPal account (referred to as an "“Unauthorized Transaction" and the Unauthorized Transaction occurs in an environment hosted by PayPal” claim); or • They did not The buyer didn’t receive the item from you (referred to as an "“Item Not Received" ” claim). PayPal's ’s Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's ’s bank. This section describes PayPal's ’s Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer PayPal’s Purchase Protection processes on sellersprograms applicable to each country where your buyers are located because those programs give buyers rights that may impact you as a seller. For example, please read about PayPal’s Purchase Protection program that applies to buyers with a U.S. PayPal account. Basic requirements To be eligible for PayPal's ’s Seller Protection programProtection, you must meet all of the following basic requirements • The primary address for your PayPal account must be met, as well as any applicable additional requirements: • You provide us with valid proof of shipment or proof of delivery. • In in the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection programUnited States. • The item must be a physical, tangible item except for items subject to the Intangible Goods Additional Requirementsgood that can be shipped. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller ProtectionCenter. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for covered by PayPal's ’s Seller Protection program for a buyer's ’s Item Not Received claim, you must meet both the basic requirements listed above and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "“eligible" or "partially eligible" ” for PayPal's ’s Seller Protection on the transaction details Transaction Details page. • You must provide proof of delivery as described below. Unauthorized Transactions additional requirements To be covered by PayPal’s Seller Protection program for a buyer’s Unauthorized Transaction claim, you must meet both the basic requirements listed above and the additional requirements listed below: • The payment must be marked “eligible” or “partially eligible” for PayPal’s Seller Protection on the Transaction Details page. • You must provide proof of shipment or proof of delivery as described below. Establishing proof of delivery or proof of shipment Proof of delivery Proof of shipment The following is required as: Online or physical documentation from a shipping company that includes: Online or physical documentation from a shipping company that includes: • Date of shipment • Date of delivery and ‘delivered’ status • An address for the recipient that matches the shipping address on the Transaction Details page • An address for the recipient showing at least the city/state, city/country, or zip/postal code (or international equivalent). • An address for the recipient that matches the shipping address on the Transaction Details page • An address for the recipient showing at least the city/state, city/country, or zip/postal code (or international equivalent). • Signature confirmation, if the full amount of the payment including shipping and taxes exceeds a fixed amount (based on the currency of the payment) from the signature confirmation threshold table below. Signature confirmation is online documentation, viewable at the shipping company’s website, indicating that the item was signed for. IMPORTANT: Your choice of carrier and shipment options with that carrier can have a big impact on your ability to meet the proof of delivery requirements. Please ensure, especially when shipping goods internationally, that your carrier can provide ‘delivered’ status at the correct address, or your Seller Protection claim may be denied. Signature confirmation foreign currency thresho lds Currency Transaction value Currency Transaction value Australian Dollar: 850 AUD New Zealand Dollar: 950 NZD Brazilian Real: 1,750 BRL Norwegian Krone: 4,600 NOK Canadian Dollar: 850 CAD Philippine Peso 34,000 PHP Czech Koruna: 15,000 CZK Polish Zlotych: 2,300 PLN Danish Krone: 4,100 DKK Russian Xxxxx: 48,000 RUB Euro: 000 XXX Xxxxxxxxx Dollar: 950 SGD Hong Kong Dollar: 6,000 HKD Swedish Krona: 4,950 SEK Hungarian Forint: 170,000 HUF Swiss Franc: 000 XXX Xxxxxxx Shekel: 2,700 ILS Taiwan New Dollar: 23,000 TWD Japanese Yen: 77,000 JPY Thai Baht: 24,500 THB Malaysian Ringgit: 3,100 MYR U.K. Pounds Sterling: 450 GBP Mexican Peso: 10,000 MXN U.S. Dollar: 750 USD Ineligible items and transactions Your sale is not eligible for coverage under PayPal’s Seller Protection program if: • It involves intangible, non-physical, items, including digital goods, and services. Digital goods are delivered and used in an electronic format, like a song delivered online or through a mobile application. • The buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a “Significantly Not as Described” claim). • It involves an item that PayPal determines, in its sole discretion, is a counterfeit item. • It involves an item that you deliver in person, including in connection with a payment made in your store location. • It involves sales that are not processed either through a buyer’s PayPal account or a guest checkout transaction. For example, if the sale was made using the PayPal Payments Pro/VT product, PayPal business payments or using PayPal Here, then it is not eligible for coverage. • It involves Items equivalent to cash including gift cards. PayPal Advertising Program The PayPal Advertising Program enables you to promote PayPal services, including PayPal Credit, through PayPal-hosted banners and buttons on your websites or in your customer emails. PayPal may change the content provided through this program at any time for any reason, and PayPal may choose to discontinue the PayPal Advertising Program at any time. You must not: You must: If you participate in this program: Comply with all integration requirements provided by PayPal or each authorized third party, including those with respect to accurate presentation of all PayPal related information. Modify any PayPal content or its presentation in any way. Only use the HTML code for PayPal content as provided by PayPal. Copy PayPal content from other websites. Use the PayPal content in its entirety with all the links and language provided by PayPal and without modification by you. Create, display or host your own PayPal content, unless authorized by PayPal in writing. Immediately remove all PayPal content from your sites and customer communications and/or cooperate with PayPal or your third party provider to do so, if you stop using a qualifying PayPal payments solution. Post PayPal content on social media networks or platforms or anywhere else, unless authorized by PayPal in writing. Keep all PayPal content current and up to date, including by cooperating with PayPal to manually update the PayPal content as its appears on your sites or in your communications and repair or reinstall the HTML code to facilitate future updates. Display any non-current PayPal content Comply with applicable advertising laws, regulations and standards issued by governmental authorities or advertising self-regulatory bodies including but not limited to the digital advertising standards issued by the Network Advertising Initiative. If you promote the use of PayPal Credit on your sites and customer communications through the PayPal Advertising Program, there are additional requirements that apply. If you receive customer inquiries relating to PayPal Credit, you must direct the customer to PayPal Credit Customer Support at (000) 000-0000. If a customer is unable to process a transaction using PayPal Credit, you are prohibited from communicating any reason for the decline to the customer on PayPal Credit’s behalf. You are also prohibited from representing or holding yourself out to represent PayPal Credit in any way. You are responsible for any damages suffered by PayPal or any third parties resulting from your failure to follow the rules of the PayPal Advertising Program, and if you violate these rules, PayPal may modify or remove the PayPal content you are presenting or require you to remove or modify it immediately. If you fail to follow these rules, we may limit or close your PayPal account.

PayPal's Seller Protection Program. What's eligible Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favour by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback Fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback Fee table the fee charged will be in your primary holding currency. Impact of various purchase protection processes on sellers You should read and understand PayPal’s Purchase Protection program and if you sell a good or service goods and services to a buyerbuyers with PayPal accounts in countries other than your own, you may be eligible for PayPal's Seller Protection program. When it applies, PayPal's Seller Protection program entitles you to retain the full purchase amount. There is no limit on the number of payments eligible for PayPal's Seller Protection program. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize or benefit from funds sent from their PayPal account (referred to as an "Unauthorized Transaction" and the Unauthorized Transaction occurs in an environment hosted by PayPal; or • They did not receive the item from you (referred to as an "Item Not Received" claim). PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact purchase protection available to buyers in each of various Buyer Protection processes on sellersthose countries. Basic requirements To be eligible Buyers’ rights under these programs may impact you as a seller. You can find this information for PayPal's Seller Protection program, all ’s programs on the Legal Agreements page by selecting your buyer’s location at the top of the following basic requirements must be met, as well as page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal’s Purchase Protection program in any applicable additional requirementscountry: • You provide us with valid proof must forfeit the full purchase price of shipment or proof of delivery. • In the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped plus the original shipping cost. This applies when you are the primary seller or provided to the buyer no later than two days after PayPal notified you a secondary seller of the dispute goods or reversalservices. For example, if PayPal notifies event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that may not receive the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection programback. • The item must Purchase Protection claim will only be a tangible item except for items subject to considered fully resolved if: o the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected refund to a different addressbuyer is processed through PayPal, or o you will not be eligible for PayPal's Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond evidence acceptable to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on that the eligibility requirements, any information or documentation provided during buyer agreed to the alternative resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details pageprovided. • You must will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was “Significantly Not as Described” and related to an item you sold that is counterfeit, you will be required to provide proof a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favour of delivery your buyers under that program as described belowa basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal account.

PayPal's Seller Protection Program. What's ’s eligible If you sell a good or service to a buyer, you may be eligible for coverage under PayPal's ’s Seller Protection program. When it applies, PayPal's ’s Seller Protection program entitles you to retain the full purchase amount. There is no limit on the number of payments eligible for PayPal's Seller Protection programwhich you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize authorize, or benefit from from, funds sent from their PayPal account (referred to as an "Unauthorized Transaction" claim) and the Unauthorized Transaction occurs in an environment hosted by PayPalPaypal; or • They did not The buyer didn't receive the item from you (referred to as an "Item Not Received" claim)) and files a chargeback with their issuer. PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection buyer protection processes on sellers. Basic requirements To be eligible for PayPal's Seller Protection program, all of the following basic requirements must be met, as well as any applicable additional requirements: . • You provide us with valid proof of shipment or proof of delivery. • In the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection program. • The item must be a tangible item except for items subject to the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. program PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's ’s Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, process or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements listed above and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details Transaction Details page. • You must provide proof of delivery as described below.

PayPal's Seller Protection Program. ‌ What's ’s eligible If you sell a good or service something to a buyerbuyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal's ’s Seller Protection program. When it applies, PayPal's ’s Seller Protection program entitles you to retain the full purchase amount. There is no limit on the number of payments eligible for PayPal's Seller Protection programwhich you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's ’s Seller Protection program may apply when a buyer claims that: • They did not authorize authorise, or benefit from from, funds sent from their PayPal account (referred to as an "Unauthorized “Unauthorised Transaction" ” claim), and the Unauthorized Unauthorised Transaction occurs in an environment not hosted by PayPal; or • They did not didn’t receive the item from you (referred to as an "“Item Not Received" ” claim)) and files a chargeback with their issuer. PayPal's ’s Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's ’s bank. This section describes PayPal's ’s Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection processes on sellers. sellers.‌ Basic requirements To be eligible for PayPal's ’s Seller Protection programProtection, all of the following basic requirements must be met, as well as any applicable additional requirements: • You provide us with valid proof of shipment or proof of delivery· The primary address for your PayPal account must be in Russia. • In the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection program. • · The item must be a physical, tangible item good that can be shipped, except for items subject to the Intangible Goods Additional Requirements. • · You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • · You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution CentreCenter. If you do not respond to PayPal's ’s request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • · If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded)· Provide proof of shipment or delivery. • · The payment must be marked “"eligible” " or “"partially eligible” " in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's PayPal Seller Protection on the "Transaction Details Details" page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details page. • You must provide proof of delivery as described below.

PayPal's Seller Protection Program. What's eligible If you sell a good or service something to a buyerbuyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal's ’s Seller Protection program. When it applies, PayPal's ’s Seller Protection program entitles you to retain the full purchase amountamount for credit and debit card-funded transactions. There is no limit on the number of payments eligible for PayPal's Seller Protection programwhich you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize or benefit from funds sent from their PayPal account (referred to as an "Unauthorized Transaction" claim) and the Unauthorized Transaction occurs occurred in an environment hosted by PayPalPaypal; or • They did not The buyer didn’t receive the item from you (referred to as an "“Item Not Received" claim). PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection processes on sellers. Basic requirements To be eligible for PayPal's ’s Seller Protection programProtection, all of the following basic requirements must be met, as well as any applicable additional requirements: • You provide us with valid proof of shipment or proof of delivery. • In the case of an Unauthorized Transaction claim, you The primary address for your PayPal account must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection programin Japan. • The item must be a physical, tangible item good that can be shipped, except for items subject to the Intangible Goods Additional Requirements. • You For eligible tangible items, you must ship the item to the shipping address on the transaction details page in your PayPal account for the transactiontransaction or list the item for sale in a classified advertisement and complete the transaction in person. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution CentreCenter. If you do not respond to PayPal's ’s request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded)Provide us with valid proof of shipment or proof of delivery. • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details transaction details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "“eligible" or "partially eligible" ” for PayPal's ’s Seller Protection on the transaction details page. Intangible goods additional requirements For the sale of intangible goods and services to be eligible for PayPal’s Seller Protection, the sale must meet the basic requirements and the following additional requirements: • You Integration requirements • Where you have integrated a PayPal checkout product, you must provide proof be using the current version of that product if you are accepting payments directly via a website or mobile optimized website; or • Ensure you are passing session information to PayPal at checkout if you are integrated with PayPal via a third-party or if you have a native app integration. • Other integration requirements may apply depending on your business model. We will let you know those requirements ahead of time, if needed. • Paid Standard Transaction Fees on the sale. • Delivered the item and provided Proof of shipment or delivery as described belowfor Intangible Goods. • Provide signature confirmation when the full amount of the payment (including shipping and taxes) exceeds the amount listed in the signature confirmation threshold table (based on the currency of the payment). If the full amount of the payment (including shipping and taxes) is in a currency not listed in the table , then signature confirmation is required when the payment exceeds the equivalent of $750 USD at the PayPal exchange rate that applies at the time the transaction is processed.

PayPal's Seller Protection Program. What's eligible If you sell Claims with a good transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favour by PayPal or service your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a buyer, claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be eligible required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for PayPal's Seller Protection programthose actions. When it appliesDisputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, PayPal's Seller Protection program entitles but the claim itself may still be included in the overall calculation of your dispute ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will not charge you to retain a chargeback fee for facilitating the full purchase amountchargeback process. There This fee will apply regardless of whether the buyer is no limit successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is the amount specified on the number Chargeback Fees table in the currency of payments eligible for PayPal's Seller Protection programthe original transaction. By accessing If the transaction details page was in a currency not listed in the Chargeback fee table, the fee charged will be in your PayPal account you can determine whether or not your transaction is eligible for protection under this programprimary holding currency. PayPal's Seller Protection program may apply when If a buyer claims that: • They did files a chargeback, the card issuer, not authorize or benefit from funds sent from their PayPal account (referred to as an "Unauthorized Transaction" and PayPal, will determine who wins the Unauthorized Transaction occurs in an environment hosted by PayPal; or • They did not receive the item from you (referred to as an "Item Not Received" claim)chargeback. PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection processes on sellerssellers You should read and understand PayPal's Buyer Protection program and if you sell goods and services to and receive payments from buyers with PayPal accounts in countries/regions other than your own, you should also be familiar with PayPal's Buyer Protection available to buyers in each of those countries/regions. Basic requirements To be eligible Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's Seller Protection program, all programs on the Legal Agreements page by selecting your buyer's location at the top of the following basic requirements must be met, as well as page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any applicable additional requirementscountry/region: • You provide us with valid proof of shipment or proof of deliverywill be required to reimburse PayPal for your liability. • In Your liability will include the case full purchase price of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped plus the original shipping cost (and in some cases you may not receive the item back), and the PayPal fees that you were charged for the transaction. This applies when you are the primary seller or provided to the buyer no later than two days after PayPal notified you a secondary seller of the dispute goods or reversalservices. For example, if PayPal notifies event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that may not receive the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection programback. • The item must Buyer Protection claim will only be a tangible item except for items subject to considered fully resolved if: o the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected refund to a different addressbuyer is processed through PayPal, or o you will not be eligible for PayPal's Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond evidence acceptable to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on that the eligibility requirements, any information or documentation provided during buyer agreed to the alternative resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details pageprovided. • You must will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide proof a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of delivery your buyers under that program as described belowa basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal account.

PayPal's Seller Protection Program. What's ’s eligible If you sell a good or service to a buyer, you may be eligible for coverage under PayPal's ’s Seller Protection program. When it applies, PayPal's ’s Seller Protection program entitles you to retain the full purchase amount. There is no limit on the number of payments eligible for PayPal's Seller Protection programwhich you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize authorize, or benefit from from, funds sent from their PayPal account (referred to as an "Unauthorized Transaction" claim) and the Unauthorized Transaction occurs in an environment hosted by PayPalPaypal; or • They did not The buyer didn't receive the item from you (referred to as an "Item Not Received" claim)) and files a chargeback with their issuer. PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection buyer protection processes on sellers. Basic requirements To be eligible for PayPal's Seller Protection program, all of the following basic requirements must be met, as well as any applicable additional requirements: . • You provide us with valid proof of shipment or proof of delivery. • In the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection program. • The item must be a tangible item except for items subject to the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. program Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements listed above and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details Transaction Details page. • You must provide proof of delivery as described below.. Intangible Goods additional requirements For the sale of intangible goods and services to be eligible for Seller Protection, the sale must meet the basic requirements and the following additional requirements: • Integration requirements:

PayPal's Seller Protection Program. What's eligible If you sell a good or service to a buyer, you may be eligible for PayPal's Seller Protection program. When it applies, PayPal's Seller Protection program entitles you to retain the full purchase amount. There is no limit on the number of payments eligible for PayPal's Seller Protection program. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize or benefit from funds sent from their PayPal account (referred to as an "Unauthorized Transaction" and the Unauthorized Transaction occurs in an environment hosted by PayPal; or • They did not receive the item from you (referred to as an "Item Not Received" claim). PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with the Impact of various Buyer Protection processes on sellers. Basic requirements To be eligible for PayPal's Seller Protection program, all of the following basic requirements must be met, as well as any applicable additional requirements: • You provide us with valid proof of shipment or proof of delivery. • In the case of an Unauthorized Transaction claim, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal’s Seller Protection program. • The item must be a tangible item except for items subject to the Intangible Goods Additional Requirements. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal's Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal's ’s Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • You must accept payment from a PayPal account for the purchase (partial payment and/or payment in installments are excluded). • The payment must be marked “eligible” or “partially eligible” in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received claims, for PayPal's Seller Protection on the Transaction Details page. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal's Seller Protection program. PayPal will make a decision, in its sole discretion, based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal's Seller Protection program for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements requirement listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked "eligible" or "partially eligible" for PayPal's Seller Protection on the transaction details page. • You must provide proof of delivery as described below.