Common use of Presentation of PayPal Clause in Contracts

Presentation of PayPal. You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize PayPal as a payment method or exhibit a preference for other payment methods over PayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such authorization and the marketplace notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or restrictions and fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over PayPalany PayPal service. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace has notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree that you will notify the payer at least 4 four weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over PayPalany PayPal service. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of the PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or restrictions and fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over PayPalany PayPal service. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's ’s account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace has notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize PayPal as a payment method or exhibit a preference for other payment methods over PayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace has notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx mark at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over PayPalany PayPal service. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of the PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx mark at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize PayPal as a payment method or exhibit a preference for other payment methods over PayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such authorization and the marketplace notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx mark at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize PayPal as a payment method or exhibit a preference for other payment methods over PayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace has notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx mark at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or restrictions and fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over PayPalany PayPal service. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's ’s account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace has notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx mark at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over PayPalany PayPal service. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transactiontransaction If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of PayPal PayPal's Seller Protection program do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. ; and • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over PayPalany PayPal service. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transactiontransaction If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of PayPal PayPal's Seller Protection program do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. ; and • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx mark at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or restrictions and fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over PayPalany PayPal service. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace has notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree that you will notify the payer at least 4 four weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over PayPalany PayPal service. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of the PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.. You can use PayPal’s Payouts and Mass Pay services to send payouts to multiple recipients in one batch, such as commissions, rebates, rewards, incentives, and bulk business payments. In order to use these services, you must have: • A business PayPal account in good standing and with no withdrawal limits. • Applied for and received our permission to use these services. The amount you will pay us for these services differs according to whether you use the Payouts or Mass Pay services, how you send the payouts, and the currency of the payouts. These fees can be found in the PayPal Payouts and Mass Pay Fees table. If an intended payout recipient does not have a PayPal account, they can claim the payout by opening one. Any payouts that are not claimed by the intended recipient within 30 days will be refunded to you. We are not liable for amounts sent in error through the Payouts or Mass Pay services an we will have no responsibility to reverse any payouts. The Payouts and Mass Pay services may only be used for multiple or bulk payments. If you wish to make individual payments, please use the PayPal services intended for that purpose. Mass Pay and Payouts services may not be used for payroll, selling products, sending money to family and friends, paying a merchant for a purchase, or purchasing unlock codes, or for any use that we determine presents a higher than acceptable level of risk. We may add further restrictions at any time in our sole discretion. You are solely responsible for ensuring that each of your Payouts or Mass Payout recipients has opted in to receive payments from you through the applicable services and has agreed to be contacted by email or text message, as applicable. By using the Payouts or Mass Pay services, you represent and warrant that the emails or phone numbers you use to contact your customers were provided to you by each payout recipient, and that your use of the services to contact your customers complies with applicable laws and regulations. You understand that the Payouts and Mass Pay services are only intended to facilitate bulk payments and transactions, and may not be used to send marketing messages for your business. Without limiting our other rights and remedies under this user agreement, we may, in our sole discretion, at any time suspend or terminate your access to the Payouts or Mass Pay services or your PayPal account, if (i) we determine that you are misusing the Payouts or Mass Pay services,

Presentation of PayPal. You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo  logo placement, • Position  position within any point of sale, • Treatment  treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize PayPal as a payment method or exhibit a preference for other payment methods over PayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such authorization and the marketplace notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant  warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree ; and  agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement. When you receive a payment, it could be refunded or reversed. We may allow you to send to the payer a refund of the payment. We may carry out a reversal of your payment in certain circumstances. See the rest of this section for more details.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo logo placement, • Position position within any point of sale, • Treatment treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize PayPal as a payment method or exhibit a preference for other payment methods over PayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such authorization and the marketplace notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. ; and • Agree agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement. When you receive a payment, it could be refunded or reversed. We may allow you to send to the payer a refund of the payment. We may carry out a reversal of your payment in certain circumstances. See the rest of this section for more details.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or restrictions and fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over PayPalany PayPal service. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace has notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree that you will notify the payer at least 4 four weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.. You can use PayPal’s Payouts and Mass Pay services to send payouts to multiple recipients in one batch, such as commissions, rebates, rewards, incentives, and bulk business payments. In order to use these services, you must have: • A business PayPal account in good standing and with no withdrawal limits. • Applied for and received our permission to use these services. The amount you will pay us for these services differs according to whether you use the Payouts or Mass Pay services, how you send the payouts, and the currency of the payouts. These fees can be found in the PayPal Payouts and Mass Pay Fees table. If an intended payout recipient does not have a PayPal account, they can claim the payout by opening one. Any payouts that are not claimed by the intended recipient within 30 days will be refunded to you. We are not liable for amounts sent in error through the Payouts or Mass Pay services an we will have no responsibility to reverse any payouts. The Payouts and Mass Pay services may only be used for multiple or bulk payments. If you wish to make individual payments, please use the PayPal services intended for that purpose. Mass Pay and Payouts services may not be used for payroll, selling products, sending money to family and friends, paying a merchant for a purchase, or purchasing unlock codes, or for any use that we determine presents a higher than acceptable level of risk. We may add further restrictions at any time in our sole discretion. You are solely responsible for ensuring that each of your Payouts or Mass Payout recipients has opted in to receive payments from you through the applicable services and has agreed to be contacted by email or text message, as applicable. By using the Payouts or Mass Pay services, you represent and warrant that the emails or phone numbers you use to contact your customers were provided to you by each payout recipient, and that your use of the services to contact your customers complies with applicable laws and regulations. You understand that the Payouts and Mass Pay services are only intended to facilitate bulk payments and transactions, and may not be used to send marketing messages for your business. Without limiting our other rights and remedies under this user agreement, we may, in our sole discretion, at any time suspend or terminate your access to the Payouts or Mass Pay services or your PayPal account, if (i) we determine that you are misusing the Payouts or Mass Pay services,

Presentation of PayPal. You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo  logo placement, • Position  position within any point of sale, • Treatment  treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize PayPal as a payment method or exhibit a preference for other payment methods over PayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such authorization and the marketplace notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant  warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree ; and  agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement. When you receive a payment, it could be refunded or reversed. We may allow you to send to the payer a refund of the payment. We may carry out a reversal of your payment in certain circumstances. See the rest of this section for more details.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over PayPalany PayPal service. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transactiontransaction If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. ; and • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx mark at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize PayPal as a payment method or exhibit a preference for other payment methods over PayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such authorization and the marketplace notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.. You can use PayPal’s Payouts and Mass Pay services to send payouts to multiple recipients in one batch, such as commissions, rebates, rewards, incentives, and bulk business payments. In order to use these services, you must have: • A business PayPal account in good standing and with no withdrawal limits. • Applied for and received our permission to use these services. The amount you will pay us for these services differs according to whether you use the Payouts or Mass Pay services, how you send the payouts, and the currency of the payouts. These fees can be found in the PayPal Payouts and Mass Pay Fees table. If an intended payout recipient does not have a PayPal account, they can claim the payout by opening one. Any payouts that are not claimed by the intended recipient within 30 days will be refunded to you. We are not liable for amounts sent in error through the Payouts or Mass Pay services an we will have no responsibility to reverse any payouts. The Payouts and Mass Pay services may only be used for multiple or bulk payments. If you wish to make individual payments, please use the PayPal services intended for that purpose. Mass Pay and Payouts services may not be used for payroll, selling products, sending money to family and friends, paying a merchant for a purchase, or purchasing unlock codes, or for any use that we determine presents a higher than acceptable level of risk. We may add further restrictions at any time in our sole discretion. You are solely responsible for ensuring that each of your Payouts or Mass Payout recipients has opted in to receive payments from you through the applicable services and has agreed to be contacted by email or text message, as applicable. By using the Payouts or Mass Pay services, you represent and warrant that the emails or phone numbers you use to contact your customers were provided to you by each payout recipient, and that your use of the services to contact your customers complies with applicable laws and regulations. You understand that the Payouts and Mass Pay services are only intended to facilitate bulk payments and transactions, and may not be used to send marketing messages for your business. Without limiting our other rights and remedies under this user agreement, we may, in our sole discretion, at any time suspend or terminate your access to the Payouts or Mass Pay services or your PayPal account, if (i) we determine that you are misusing the Payouts or Mass Pay services,

Presentation of PayPal. You must treat PayPal as a payment method funding sources or xxxx marks at least on par with any other payment methods funding sources offered at your points of sale, sale wherever PayPal’s branded services are integrated including your websites or mobile applications. This includes at least equal or substantially similarbetter: • Logo logo placement, • Position position within any point of sale, • Treatment and treatment in terms of payment flow, terms, conditions, restrictions, or and fees, in each case as compared to other marks and payment methods funding sources at your points of sale. In representations to your customers or in public communicationsFurther, you must not mischaracterize PayPal as a payment method present any funding source or exhibit a preference xxxx upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal’s services or marks Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments, including, for other payment methods over PayPalexample, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection coverage if they meet the PayPal Seller Protection requirements. We will notify you by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's ’s account only for transactions that they have authorizedauthorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third third-party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from As a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such authorization and the marketplace notifies us of the claimseller, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under buyer’s account through preauthorised transfers either on a one-time, regular or sporadic basis. This type of transaction is sometimes called a “billing agreement,” "subscription," "recurring payment,” “reference transaction,” "pre-approved payment " or "automatic payment." Get each buyer’s prior authorisation for the amount, when you present frequency, and duration of any such payment. Restart future payments without the buyer’s written authorisation, if a buyer has stopped or canceled a preauthorised payment. Provide a simple and easily accessible online cancellation procedure, if buyers sign up for preauthorised payments online. Provide buyers the ability to us a stop any such payment request under that billing agreement, youup to 3 Business Days before the date scheduled for payment. Your PayPal transaction fees depend on: • Warrant the country of the buyer’s account or the currency of their card; • whether you are a registered as a charity The fees you pay when selling goods or services and the buyer pays using their PayPal account (or using another authorised wallet) can be found on the Merchant Services Fees table with the fees applicable to us that charitable organisations found on the amounts you present have been agreed and consented Charitable Organisations Fees table. Please note that: • We may adjust the fees applicable to by the payer whose account will be deducted (including changes to those amounts) and future transactions that you process using PayPal. We will give prior provide you at least 14 days’ advance notice of any fee increase or the deduction to the payerintroduction of a new type of fee. • Agree that If you refund (partially or fully) a transaction to a buyer or a donation to a donor, there are no fees to make the refund, but the fees you originally paid as the seller will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected be returned to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreementyou.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx mark at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo logo placement, • Position position within any point of sale, • Treatment treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize PayPal as a payment method or exhibit a preference for other payment methods over PayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such authorization and the marketplace notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. ; and • Agree agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement. When you receive a payment, it could be refunded or reversed. We may allow you to send to the payer a refund of the payment. We may carry out a reversal of your payment in certain circumstances. See the rest of this section for more details.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx mark at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo logo placement, • Position position within any point of sale, • Treatment treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize mischaracterise PayPal as a payment method or exhibit a preference for other payment methods over PayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize authorise certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amountsprocess (“Marketplace Due Amounts”). If you give such authorization an authorisation and the marketplace has notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts Marketplace Due Amounts relating to that claim from your PayPal account to the that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount Marketplace Due Amount as cancelled if we decide that the claim would have been determined in your favor favour had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of the PayPal Seller Protection Programme do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. ; and • Agree agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx mark at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo x logo placement, • Position x position within any point of sale, • Treatment x treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize mischaracterise PayPal as a payment method or exhibit a preference for other payment methods over PayPal. It is your responsibility to determine what, if any, taxes apply to the In -store payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. QR code transactions If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered,I \RX¶UH D VHOOHU RthiQrd -paDrty aPppDlicUatiNonHwWheSre OPaDyPFal His o ffRereUd, you must comply with any rules that apply to the marketplace’s or the third party application’s WKURXJ \RX PXVW FRPSO\ ZLWK DQ\ UXOHV WKDW DSSO\ WR buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize authorise certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give RI WKH PDUNHWSODFH¶V UHVROXWLe aRmQou ntsS. IUf yRouFgiHveVV ZKLF such authorization an authorisation and the marketplace a notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the marketplace or to the buyer (as the case may be) according to the marketplace’s tKH FDVH PD\ EH DFFRUGLQJ instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor favour had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by marketplace’s own the marketplace policy only. The terms of the PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.

Presentation of PayPal. You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over PayPalany PayPal service. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transactiontransaction If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. ; and • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.. You can use PayPal’s Payouts and Mass Pay services to send payouts to multiple recipients in one batch, such as commissions, rebates, rewards, incentives, and bulk business payments. In order to use these services, you must have: • A business PayPal account in good standing and with no withdrawal limits. • Applied for and received our permission to use these services. The amount you will pay us for these services differs according to whether you use the Payouts or Mass Pay services, how you send the payouts, and the currency of the payouts. These fees can be found in the PayPal Payouts and Mass Pay Fees table. If an intended payout recipient does not have a PayPal account, they can claim the payout by opening one. Any payouts that are not claimed by the intended recipient within 30 days will be refunded to you. We are not liable for amounts sent in error through the Payouts or Mass Pay services an we will have no responsibility to reverse any payouts. The Payouts and Mass Pay services may only be used for multiple or bulk payments. If you wish to make individual payments, please use the PayPal services intended for that purpose. Mass Pay and Payouts services may not be used for payroll, selling products, sending money to family and friends, paying a merchant for a purchase, or purchasing unlock codes, or for any use that we determine presents a higher than acceptable level of risk. We may add further restrictions at any time in our sole discretion. You are solely responsible for ensuring that each of your Payouts or Mass Payout recipients has opted in to receive payments from you through the applicable services and has agreed to be contacted by email or text message, as applicable. By using the Payouts or Mass Pay services, you represent and warrant that the emails or phone numbers you use to contact your customers were provided to you by each payout recipient, and that your use of the services to contact your customers complies with applicable laws and regulations. You understand that the Payouts and Mass Pay services are only intended to facilitate bulk payments and transactions, and may not be used to send marketing messages for your business. Without limiting our other rights and remedies under this user agreement, we may, in our sole discretion, at any time suspend or terminate your access to the Payouts or Mass Pay services or your PayPal account, if (i) we determine that you are misusing the Payouts or Mass Pay services,

Presentation of PayPal. You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or restrictions and fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over PayPalany PayPal service. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace has notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.. You can use PayPal’s Payouts and Mass Pay services to send payouts to multiple recipients in one batch, such as commissions, rebates, rewards, incentives, and bulk business payments. In order to use these services, you must have: • A business PayPal account in good standing and with no withdrawal limits. • Applied for and received our permission to use these services. The amount you will pay us for these services differs according to whether you use the Payouts or Mass Pay services, how you send the payouts, and the currency of the payouts. These fees can be found in the PayPal Payouts and Mass Pay Fees table. If an intended payout recipient does not have a PayPal account, they can claim the payout by opening one. Any payouts that are not claimed by the intended recipient within 30 days will be refunded to you. We are not liable for amounts sent in error through the Payouts or Mass Pay services an we will have no responsibility to reverse any payouts. The Payouts and Mass Pay services may only be used for multiple or bulk payments. If you wish to make individual payments, please use the PayPal services intended for that purpose. Mass Pay and Payouts services may not be used for payroll, selling products, sending money to family and friends, paying a merchant for a purchase, or purchasing unlock codes, or for any use that we determine presents a higher than acceptable level of risk. We may add further restrictions at any time in our sole discretion. You are solely responsible for ensuring that each of your Payouts or Mass Payout recipients has opted in to receive payments from you through the applicable services and has agreed to be contacted by email or text message, as applicable. By using the Payouts or Mass Pay services, you represent and warrant that the emails or phone numbers you use to contact your customers were provided to you by each payout recipient, and that your use of the services to contact your customers complies with applicable laws and regulations. You understand that the Payouts and Mass Pay services are only intended to facilitate bulk payments and transactions, and may not be used to send marketing messages for your business. Without limiting our other rights and remedies under this user agreement, we may, in our sole discretion, at any time suspend or terminate your access to the Payouts or Mass Pay services or your PayPal account, if (i) we determine that you are misusing the Payouts or Mass Pay services,

Presentation of PayPal. You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize PayPal as a payment method or exhibit a preference for other payment methods over PayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. You must publish a refunds and return policy, as well as a privacy policy. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such authorization and the marketplace notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favor had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer. • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.. You can use PayPal’s Payouts and Mass Pay services to send payouts to multiple recipients in one batch, such as commissions, rebates, rewards, incentives, and bulk business payments. In order to use these services, you must have: • A business PayPal account in good standing and with no withdrawal limits. • Applied for and received our permission to use these services. The amount you will pay us for these services differs according to whether you use the Payouts or Mass Pay services, how you send the payouts, and the currency of the payouts. These fees can be found in the PayPal Payouts and Mass Pay Fees table. If an intended payout recipient does not have a PayPal account, they can claim the payout by opening one. Any payouts that are not claimed by the intended recipient within 30 days will be refunded to you. We are not liable for amounts sent in error through the Payouts or Mass Pay services an we will have no responsibility to reverse any payouts. The Payouts and Mass Pay services may only be used for multiple or bulk payments. If you wish to make individual payments, please use the PayPal services intended for that purpose. Mass Pay and Payouts services may not be used for payroll, selling products, sending money to family and friends, paying a merchant for a purchase, or purchasing unlock codes, or for any use that we determine presents a higher than acceptable level of risk. We may add further restrictions at any time in our sole discretion. You are solely responsible for ensuring that each of your Payouts or Mass Payout recipients has opted in to receive payments from you through the applicable services and has agreed to be contacted by email or text message, as applicable. By using the Payouts or Mass Pay services, you represent and warrant that the emails or phone numbers you use to contact your customers were provided to you by each payout recipient, and that your use of the services to contact your customers complies with applicable laws and regulations. You understand that the Payouts and Mass Pay services are only intended to facilitate bulk payments and transactions, and may not be used to send marketing messages for your business. Without limiting our other rights and remedies under this user agreement, we may, in our sole discretion, at any time suspend or terminate your access to the Payouts or Mass Pay services or your PayPal account, if (i) we determine that you are misusing the Payouts or Mass Pay services,