Common use of QR Code Transactions Clause in Contracts

QR Code Transactions. If you purchase an item from a seller in-person by using a QR code (for goods and services transactions), your transaction may be eligible for PayPal's Buyer Protection Policy. Item Not Received claims Your claim will not qualify for a refund under PayPal's Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store, except for in-person PayPal QR code for goods and services transactions; or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims for, physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal QR code. • Anything prohibited by the PayPal Acceptable Use Policy • Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-in person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's Buyer ’s Purchase Protection Policyprogram. Item Not Received claims Your claim will not qualify for a refund under PayPal's Buyer ’s Purchase Protection Policy program for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-person PayPal QR code for goods and services transactions; , or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't n’t want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's Buyer ’s Purchase Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft aircraft, and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies • Payments to any bill xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store ’s point of sale location, except if you paid for the transaction in-in person using PayPal PayPal’s goods and services QR code. code • Anything prohibited by the PayPal PayPal’s Acceptable Use Policy • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). ) • Personal payments Payments including payments sent using PayPal's ’s friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items items. Transaction eligibility for PayPal's Buyer ’s Purchase Protection Policy program To be eligible for PayPal Buyer Purchase Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's ’s request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then payment and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our Buyer Purchase Protection Policyprogram. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-in- person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service hoverboards. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims for, physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal QR code. • Anything prohibited by the PayPal Acceptable Use Policy • Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments Donations including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:on crowdfunding platforms as well as payments made on crowdlending platforms.

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims for, physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal QR code. • Anything prohibited by the PayPal Acceptable Use Policy • Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:"

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your such purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims for, physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal QR code. • Anything prohibited by the PayPal Acceptable Use Policy • Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:".

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim dispute under PayPal’s Purchase Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-in person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's Buyer ’s Purchase Protection Policyprogram. Item Not Received claims Your claim will not qualify for a refund under PayPal's Buyer ’s Purchase Protection Policy program for an Item Not Received claim, claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-in person PayPal QR code for goods and services transactions; , or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as As Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's Buyer ’s Purchase Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) • Financial products or investments of any kind • Gambling, gaming, gaming and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • For Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store ’s point-of-sale location, except if you paid for the transaction in-person using PayPal PayPal’s goods and services QR code. code • Anything prohibited by the PayPal PayPal’s Acceptable Use Policy • Payments made using PayPal's ’s Payouts (formerly and Mass Pay). Pay • Personal payments Payments, including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single single-item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer ’s Purchase Protection Policy program To be eligible for PayPal Buyer Purchase Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then payment and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Purchase Protection Policyprogram. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service hoverboards. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person . • Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms. • Items prohibited by the PayPal QR Code goods and services transactions Acceptable Use Policy. • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's store locationretail point of sale, except if you paid for the transaction in-person using PayPal QR codecode goods and services transactions. • Anything prohibited by the PayPal Acceptable Use Policy Industrial machinery used in manufacturing. • Payments to state-run bodies, (except for state-owned enterprises) or traders acting on mandates received from state-run bodies. • Payment equivalent to cash, including stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments. • Payments made using PayPal's PayPal Payouts (formerly and Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have Pay not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standingitems. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute Payments made in the Resolution Centre within 180 days respect of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery gold (whether in physical form or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:exchange-traded form).

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item from a seller in-person by using a QR code (for goods and services transactions), your transaction may be eligible for PayPal's ’s Buyer Protection Policy. Item Not Received claims Your claim will not qualify for a refund under PayPal's ’s Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-person PayPal QR code for goods and services transactions; or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal’s Buyer Protection Policy Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service . • Significantly Not as As Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions transactions. • Donations and payments on crowdfunding platforms. • Items prohibited by the PayPal Acceptable Use Policy. • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's ’s store location, except if you paid for the transaction in-person using PayPal QR codecode goods and services transactions. • Industrial machinery used in manufacturing. • Anything prohibited by the purchased from, or an amount paid to, a government agency. • Stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Payments sent using PayPal’s friends and family functionality (known as “Personal Payment”). • Payments sent using PayPal Acceptable Use Policy to any xxxx payment service. • Payments made using PayPal's PayPal Payouts and Mass Pay or guest checkout transactions (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have i.e. not sent using your PayPal account (e.g. guest checkout transactions) account). • Items intended for resale, including single item transactions or transactions that include multiple items items. Transaction eligibility for PayPal's ’s Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-in person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's Buyer ’s Purchase Protection Policyprogram. Item Not Received claims claims‌ Your claim will not qualify for a refund under PayPal's Buyer ’s Purchase Protection Policy program for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-person PayPal QR code for goods and services transactions; , or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal’s Purchase Protection program Payments for the following items or transactions are not eligible for PayPal's Buyer Protection programreimbursement under PayPal Purchase Protection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service . • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code code goods and services transactions • Item Not Received claims for, physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal QR codetransactions. • Anything prohibited by the PayPal Acceptable Use Policy • Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments Donations including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:on crowdfunding platforms.

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-in- person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when Significantly Not as Described claims for wholly or partly custom-made items. • Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms. • Items prohibited by the PayPal Acceptable Use Policy. • For Item Not Received claims, items which you buy collect in person or invest arrange to be collected on your behalf, including items bought in a business) retail point of sale location, except for in-person PayPal QR code goods and services transactions. • Industrial machinery used in manufacturing manufacturing. • Payments that are to state-run bodies, (except for state-owned enterprises) or traders acting on mandates received from state-run bodies; • Payment equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims for, physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal QR code. • Anything prohibited by the PayPal Acceptable Use Policy form • Payments made using PayPal's PayPal Payouts (formerly and Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have Pay or not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items PayPal may at its sole discretion automatically close any Dispute or Claim you file which PayPal has reason to suspect is not related to an eligible purchase as outlined above. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's Payouts (formerly and Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your such purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item from a seller in-person by using a QR code (for goods and services transactions), your transaction may be eligible for PayPal's ’s Buyer Protection Policy. Item Not Received claims Your claim will not qualify for a refund under PayPal's ’s Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-in- person PayPal QR code for goods and services transactions; or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's ’s Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims for, physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items includesitems bought in a seller's ’s store location, except if you paid for the transaction in-person using PayPal QR code. • Anything prohibited by the PayPal Acceptable Use Policy • Payments made using PayPal's ’s Payouts (formerly and Mass Pay). Pay • Personal payments including payments sent using PayPal's ’s friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's ’s Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person". Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR code. • Anything prohibited by the PayPal Acceptable Use Policy • Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends code for goods and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:services.

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the PayPal Resolution CentreCenter. • Your payment is less than $20,000. • Respond respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode goods and services. • Anything Items prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's Payouts (formerly and Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. i t. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's Payouts (formerly and Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service hoverboards. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person . • Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms. • Items prohibited by the PayPal QR Code goods and services transactions Acceptable Use Policy. • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode goods and services transactions. • Anything prohibited by the PayPal Acceptable Use Policy Industrial machinery used in manufacturing. • Payments to state-run bodies (except for state-owned enterprises) or traders acting on mandates received from state-run bodies. • Payments equivalent to cash, including stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments. • Payments made using PayPal's PayPal Payouts (formerly and Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have Pay or not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standingitems. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute Payments made in the Resolution Centre within 180 days respect of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery gold (whether in physical form or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:exchange-traded form).

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's Payouts (formerly and Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-in person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's Buyer Purchase Protection Policyprogram. Item Not Received claims Your claim will not qualify for a refund under PayPal's Buyer Purchase Protection Policy program for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store, except for in-person PayPal QR code for goods and services transactions; , or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's Buyer ’s Purchase Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft aircraft, and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies • Payments to any bill xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store point of sale location, except if you paid for the transaction in-in person using PayPal PayPal's goods and services QR code. code • Anything prohibited by the PayPal PayPal's Acceptable Use Policy • Payments made using PayPal's PayPal Payouts (formerly and Mass Pay). Pay • Personal payments Payments including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items items. Transaction eligibility for PayPal's Buyer Purchase Protection Policy program To be eligible for PayPal Buyer Purchase Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then payment and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our Buyer Purchase Protection Policyprogram. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything Items prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service hoverboards. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims for, physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal QR code. • Anything prohibited by the PayPal Acceptable Use Policy • Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments Donations including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:on crowdfunding platforms as well as payments made on crowdlending platforms.

QR Code Transactions. If you purchase an item buy something from a seller in-in person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's Buyer ’s Purchase Protection Policyprogram. Item Not Received claims Your claim will not qualify for a refund under PayPal's Buyer ’s Purchase Protection Policy program for an Item Not Received claim, claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-in person PayPal QR code for goods and services transactions; , or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as As Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's Buyer ’s Purchase Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) • Financial products or investments of any kind • Gambling, gaming, gaming and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • For Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store ’s point-of-sale location, except if you paid for the transaction in-person using PayPal PayPal’s goods and services QR code. code • Anything prohibited by the PayPal PayPal’s Acceptable Use Policy • Payments made using PayPal's ’s Payouts (formerly and Mass Pay). Pay • Personal payments Payments, including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single single-item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer ’s Purchase Protection Policy program To be eligible for PayPal Buyer Purchase Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then payment and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Purchase Protection Policyprogram. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode goods and services. • Anything anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service hoverboards. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person . • Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms. • Items prohibited by the PayPal QR Code goods and services transactions Acceptable Use Policy. • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode goods and services transactions. • Anything prohibited by the PayPal Acceptable Use Policy Industrial machinery used in manufacturing. • Payments to state-run bodies (except for state-owned enterprises) or traders acting on mandates received from state-run bodies. • Payments equivalent to cash, including stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments. • Payments made using PayPal's PayPal Payouts (formerly and Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have Pay or not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standingitems. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute Payments made in the Resolution Centre within 180 days respect of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery gold (whether in physical form or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:exchange-traded form).

QR Code Transactions. ‌ If you purchase an item buy something from a seller in-person inperson by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's Buyer ’s Purchase Protection Policyprogram. Item Not Received claims claims‌ Your claim will not qualify for a refund under PayPal's Buyer ’s Purchase Protection Policy program for an Item Not Received claim, claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-person inperson PayPal QR code for goods and services transactions; , or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as As Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal’s Purchase Protection program Payments for the following items or transactions are not eligible for PayPal's Buyer Protection programreimbursement under PayPal Purchase Protection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service . • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code code goods and services transactions transactions. • Donations including payments on crowdfunding platforms. • Items prohibited by the PayPal Acceptable Use Policy. • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's ’s store location, except if you paid for the transaction in-in- person using PayPal QR codecode goods and services transactions. • Industrial machinery used in manufacturing. • Anything prohibited by the purchased from, or an amount paid to, a government agency. • Stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal payments. • Payments sent using PayPal Acceptable Use Policy to any xxxx payment service. • Payments made using PayPal's PayPal Payouts and Mass Pay or guest checkout transactions (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have i.e. not sent using your PayPal account (e.g. guest checkout transactions) account). • Items intended for resale, including single single-item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:items.

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-in- person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service hoverboards. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person . • Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms. • Items prohibited by the PayPal QR Code goods and services transactions Acceptable Use Policy. • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's store locationretail point of sale, except if you paid for the transaction in-person using PayPal QR codecode goods and services transactions. • Anything prohibited by the PayPal Acceptable Use Policy Industrial machinery used in manufacturing. • Payments to state-run bodies, (except for state-owned enterprises) or traders acting on mandates received from state-run bodies. • Payment equivalent to cash, including stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments. • Payments made using PayPal's PayPal Payouts (formerly and Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have Pay not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standingitems. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute Payments made in the Resolution Centre within 180 days respect of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery gold (whether in physical form or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:exchange- traded form).

QR Code Transactions. If you purchase an item from a seller in-person by using a QR code (for goods and services transactions), your transaction may be eligible for PayPal's ’s Buyer Protection Policy. Item Not Received claims Your claim will not qualify for a refund under PayPal's ’s Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-person PayPal QR code for goods and services transactions; or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal’s Buyer Protection Policy Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service . • Significantly Not as As Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions transactions. • Donations and payments on crowdfunding platforms. • Items prohibited by the PayPal Acceptable Use Policy. • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's ’s store location, except if you paid for the transaction in-in- person using PayPal QR codeCode goods and services transactions. • Industrial machinery used in manufacturing. • Anything prohibited by the purchased from, or an amount paid to, a government agency. • Stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Payments sent using PayPal’s friends and family functionality (known as “Personal Payment”). • Payments sent using PayPal Acceptable Use Policy to any xxxx payment service. • Payments made using PayPal's PayPal Payouts and Mass Pay or guest checkout transactions (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have i.e. not sent using your PayPal account (e.g. guest checkout transactions) account). • Items intended for resale, including single item transactions or transactions that include multiple items items. Transaction eligibility for PayPal's ’s Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-in person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's Buyer ’s Purchase Protection Policyprogram. Item Not Received claims Your claim will not qualify for a refund under PayPal's Buyer ’s Purchase Protection Policy program for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-person PayPal QR code for goods and services transactions; , or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't n’t want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's Buyer ’s Purchase Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft aircraft, and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store ’s point of sale location, except if you paid for the transaction in-in person using PayPal PayPal’s goods and services QR code. code • Anything prohibited by the PayPal PayPal’s Acceptable Use Policy • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). ) • Personal payments Payments including payments sent using PayPal's ’s friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items items. Transaction eligibility for PayPal's Buyer ’s Purchase Protection Policy program To be eligible for PayPal Buyer Purchase Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's ’s request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then payment and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our Buyer Purchase Protection Policyprogram. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-person PayPal QR code for goods and services transactions; or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims for, physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal QR code. • Anything prohibited by the PayPal Acceptable Use Policy • Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:"

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-in- person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service hoverboards. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person. • Donations including payments on crowdfunding platforms, except for in-person as well as payments made on crowdlending platforms. • Items prohibited by the PayPal QR Code goods and services transactions Acceptable Use Policy • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's store location’s retail point of sale, except if you paid for the transaction in-person using PayPal QR codecode goods and services transactions. • Anything prohibited by the PayPal Acceptable Use Policy Industrial machinery used in manufacturing. • Payments to state-run bodies, (except for state-owned enterprises) or traders acting on mandates received from state-run bodies. • Payment equivalent to cash, including stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments. • Payments made using PayPal's PayPal Payouts (formerly and Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have Pay or not sent using your PayPal account (e.g. guest checkout transactions) account). • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all items.Payments made in respect of the following requirements: • Have a PayPal account gold (whether in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute physical form or in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:exchange-traded form).

QR Code Transactions. If you purchase an item buy something from a seller in-person inperson by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's Buyer ’s Purchase Protection Policyprogram. Item Not Received claims Your claim will not qualify for a refund under PayPal's Buyer ’s Purchase Protection Policy program for an Item Not Received claim, claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-person inperson PayPal QR code for goods and services transactions; , or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as As Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal’s Purchase Protection program Payments for the following items or transactions are not eligible for PayPal's Buyer Protection programreimbursement under PayPal Purchase Protection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service . • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code code goods and services transactions transactions. • Donations including payments on crowdfunding platforms. • Items prohibited by the PayPal Acceptable Use Policy. • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's ’s store location, except if you paid for the transaction in-person using PayPal QR codecode goods and services transactions. • Industrial machinery used in manufacturing. • Anything prohibited by the purchased from, or an amount paid to, a government agency. • Stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal payments. • Payments sent using PayPal Acceptable Use Policy to any xxxx payment service. • Payments made using PayPal's PayPal Payouts and Mass Pay or guest checkout transactions (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have i.e. not sent using your PayPal account (e.g. guest checkout transactions) account). • Items intended for resale, including single single-item transactions or transactions that include multiple items items. Transaction eligibility for PayPal's Buyer ’s Purchase Protection Policy program To be eligible for PayPal Buyer Purchase Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then payment and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Purchase Protection Policyprogram. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's ’s Buyer Protection Policyprogram. Item Not Received claims Your claim will not qualify for a refund under PayPal's Buyer Protection Policy program for an Item Not Received claim, claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storestore location, except for in-person PayPal QR code for goods and services transactions; , or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as As Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “"new” " but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “"used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions under PayPal's Buyer Protection program The following items or transactions are not eligible for under PayPal's ’s Buyer Protection program: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, and/or any other activities with an entry fee and a prize prize. • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies agencies. • Payments to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store ’s point of sale location, except if you paid for the transaction in-person using PayPal PayPal’s goods and services QR code. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's ’s friends and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's Buyer Protection Policy program To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then and follow our online dispute resolution process. • Not You have not received a recovery compensation or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policyprogram. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-in- person PayPal QR code for goods and services transactions; , or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses Significantly Not as Described claims for wholly or partly custom-made items (when unless they are claimed to be Not Received) or items picked up in person. • Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms.Items prohibited by the PayPal Acceptable Use Policy. • For Item Not Received claims, items which you buy collect in person or invest arrange to be collected on your behalf, including items bought in a business) retail point of sale location, except for in-person PayPal QR code goods and services transactions; • Industrial machinery used in manufacturing manufacturing. • Payments that are payments to state-run bodies, (except for state-owned enterprises) or traders acting on mandates received from state-run bodies; • Payment equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments. • Payments sent using PayPal to any xxxx payment service. • Payments made using PayPal Payouts and Mass Pay or. not sent using your PayPal account. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ); and • Financial products or investments Purchases of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims forusing Zong, physical, tangible items you collect in person Website Payments Pro or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal QR code. • Anything prohibited by the PayPal Acceptable Use Policy • Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) Virtual Terminal • Items intended for resale, including single item transactions or transactions that include multiple items items. PayPal may at its sole discretion automatically close any Dispute or Claim you file which PayPal has reason to suspect is not related an eligible purchase as outlined above. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR code. • Anything prohibited by the PayPal Acceptable Use Policy • Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends code for goods and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:services.

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's Payouts (formerly and Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-person PayPal QR code for goods and services transactions; or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service . • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person . • Donations including payments on crowdfunding platforms. • Items prohibited by the PayPal QR Code goods and services transactions Acceptable Use Policy. • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's store ’s point of sale location, except if you paid for the transaction in-person using PayPal QR codecode goods and services transactions. • Industrial machinery used in manufacturing. • Anything prohibited by the purchased from, or an amount paid to, a government agency. • Stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments. • Payments sent using PayPal Acceptable Use Policy to any xxxx payment service. • Payments made using PayPal's PayPal Payouts and Mass Pay or guest checkout transactions (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have i.e. not sent using your PayPal account (e.g. guest checkout transactions) account). • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode goods and services. • Anything Items prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode goods and services. • Anything anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's Payouts (formerly and Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim dispute under PayPal’s Purchase Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service hoverboards. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person. • Donations including payments on crowdfunding platforms, except for in-person as well as payments made on crowdlending platforms. • Items prohibited by the PayPal QR Code goods and services transactions Acceptable Use Policy • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's store location’s retail point of sale, except if you paid for the transaction in-person using PayPal QR codecode goods and services transactions. • Anything prohibited by the PayPal Acceptable Use Policy Industrial machinery used in manufacturing. • Payments to state-run bodies, (except for state-owned enterprises) or traders acting on mandates received from state-run bodies. • Payment equivalent to cash, including stored value items such as gift cards and prepaid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments. • Payments made using PayPal's PayPal Payouts (formerly and Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have Pay or not sent using your PayPal account (e.g. guest checkout transactions) account). • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all items.Payments made in respect of the following requirements: • Have a PayPal account gold (whether in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute physical form or in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:exchange-traded form).

QR Code Transactions. If you purchase an item buy something from a seller in-in person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's Buyer ’s Purchase Protection Policyprogram. Item Not Received claims Your claim will not qualify for a refund under PayPal's Buyer ’s Purchase Protection Policy program for an Item Not Received claim, claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-in person PayPal QR code for goods and services transactions; , or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as As Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's Buyer ’s Purchase Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) • Financial products or investments of any kind • Gambling, gaming, gaming and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • For Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store ’s point-of-sale location, except if you paid for the transaction in-person using PayPal PayPal’s goods and services QR code. code • Anything prohibited by the PayPal PayPal’s Acceptable Use Policy • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). ) • Personal payments Payments, including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single single-item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer ’s Purchase Protection Policy program To be eligible for PayPal Buyer Purchase Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then payment and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Purchase Protection Policyprogram. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item from a seller in-person by using a QR code (for goods and services transactions), your transaction may be eligible for PayPal's ’s Buyer Protection Policy. Item Not Received claims Your claim will not qualify for a refund under PayPal's ’s Buyer Protection Policy for an Item Not Received claim, if: •  You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-person PayPal QR code for goods and services transactions; or •  The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will be considered Significantly Not as Described if: •  The item is materially different from the seller's ’s description of it. •  You received a completely different item. •  The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. •  The item was advertised as authentic but is not authentic (i.e. counterfeit). •  The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. •  You purchased a certain number of items but didn't n’t receive them all. •  The item was damaged during shipment. •  The item is unusable in its received state and was not disclosed as such. An item will not be considered Significantly Not as Described if: •  The defect in the item was correctly described by the seller in its description of the item. •  The item was properly described but you didn't want it after you received it. •  The item was properly described but did not meet your expectations. •  The item has minor scratches and was described as “used." •  It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal’s Buyer Protection Policy Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: •  Real estate, including residential property • property.  Financial products or investments of any kind.  Businesses (when you buy or invest in a business).  Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • .  Significantly Not as As Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • transactions.  Donations and payments on crowdfunding platforms.  Items prohibited by the PayPal Acceptable Use Policy.  For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's ’s store location, except if you paid for the transaction in-in- person using PayPal QR codeCode goods and services transactions. •  Industrial machinery used in manufacturing.  Anything prohibited by the PayPal Acceptable Use Policy • purchased from, or an amount paid to, a government agency.  Stored value items such as gift cards and pre-paid cards.  Gambling, gaming and/or any other activity with an entry fee and a prize.  Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments including payments sent using PayPal's ’s friends and family functionality • (known as “Personal Payment”).  Payments that you have sent using PayPal to any xxxx payment service.  Payments made using PayPal Payouts and Mass Pay or guest checkout transactions (i.e. not sent using your PayPal account (e.g. guest checkout transactions) • account).  Items intended for resale, including single item transactions or transactions that include multiple items items. Transaction eligibility for PayPal's ’s Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: •  Have a PayPal account in good standing. •  Pay for the eligible item from your PayPal account. •  Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. •  Your payment is less than $20,000. •  Respond to PayPal's request for documentation and other information within the time requested. •  Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. •  Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. •  You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person". Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • o Have a PayPal account in good standing. • o Pay for the eligible item from your PayPal account. • o Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution CentreCenter. • Your payment is less than $20,000. • o Respond to PayPal's request for documentation and other information within the time requested. • o Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • o Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item from a seller in-person by using a QR code (for goods and services transactions), your transaction may be eligible for PayPal's Buyer Protection Policy. Item Not Received claims Your claim will not qualify for a refund under PayPal's Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store, except for in-person PayPal QR code for goods and services transactions; or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims for, physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items includesitems bought in a seller's store location, except if you paid for the transaction in-person using PayPal QR code. • Anything prohibited by the PayPal Acceptable Use Policy • Payments made using PayPal's Payouts (formerly and Mass Pay). Pay • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person". Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • o Have a PayPal account in good standing. • o Pay for the eligible item from your PayPal account. • o Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution CentreCenter. • Your payment is less than $20,000. • o Respond to PayPal's request for documentation and other information within the time requested. • o Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • o Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service hoverboards. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person . • Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms. • Items prohibited by the PayPal QR Code goods and services transactions Acceptable Use Policy. • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode goods and services transactions. • Anything prohibited by the PayPal Acceptable Use Policy Industrial machinery used in manufacturing. • Payments to state-run bodies (except for state-owned enterprises) or traders acting on mandates received from state-run bodies. • Payments equivalent to cash, including stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments. • Payments made using PayPal's PayPal Payouts (formerly and Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have Pay or not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standingitems. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute Payments made in the Resolution Centre within 180 days respect of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery gold (whether in physical form or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:exchange- traded form).

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-in- person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service hoverboards. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person . • Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms. • Items prohibited by the PayPal QR Code goods and services transactions Acceptable Use Policy. • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode goods and services transactions. • Anything prohibited by the PayPal Acceptable Use Policy Industrial machinery used in manufacturing. • Payments to state-run bodies (except for state-owned enterprises) or traders acting on mandates received from state-run bodies. • Payments equivalent to cash, including stored value items such as gift cards and pre- paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments. • Payments made using PayPal's PayPal Payouts (formerly and Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have Pay or not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standingitems. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute Payments made in the Resolution Centre within 180 days respect of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery gold (whether in physical form or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:exchange-traded form).

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims claims‌ Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims for, physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal QR code. • Anything prohibited by the PayPal Acceptable Use Policy • Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:"

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's Payouts (formerly and Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim dispute under PayPal’s Purchase Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-in- person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when Significantly Not as Described claims for wholly or partly custom-made items. • Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms. • Items prohibited by the PayPal Acceptable Use Policy. • For Item Not Received claims, items which you buy collect in person or invest arrange to be collected on your behalf, including items bought in a business) retail point of sale location, except for in-person PayPal QR code goods and services transactions. • Industrial machinery used in manufacturing manufacturing. • Payments that are to state-run bodies, (except for state-owned enterprises) or traders acting on mandates received from state-run bodies;. • Payment equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind cards. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims for, physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal QR codeprize. • Anything prohibited by the PayPal Acceptable Use Policy Personal Payments. • Payments made using PayPal's PayPal Payouts (formerly and Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have Pay or not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items account. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim dispute under PayPal’s Purchase Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's ’s Buyer Protection Policyprogram. Item Not Received claims Your claim will not qualify for a refund under PayPal's Buyer Protection Policy program for an Item Not Received claim, claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storestore location, except for in-person PayPal QR code for goods and services transactions; , or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as As Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “"new” " but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “"used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal's Buyer Protection program Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in all or part of a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service . • Significantly Not as Described claims for wholly or partly custom-made items or items an item picked up in person, except for in-person PayPal QR Code code goods and services transactions • Item Not Received claims for, physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal QR codetransactions. • Anything prohibited by the PayPal Acceptable Use Policy • Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments Donations including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:on crowdfunding platforms.

QR Code Transactions. If you purchase an item buy something from a seller in-in person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's Buyer ’s Purchase Protection Policyprogram. Item Not Received claims Your claim will not qualify for a refund under PayPal's Buyer ’s Purchase Protection Policy program for an Item Not Received claim, claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-in person PayPal QR code for goods and services transactions; , or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as As Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's Buyer ’s Purchase Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or in exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, gaming and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • For Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store ’s point-of- sale location, except if you paid for the transaction in-person using PayPal PayPal’s goods and services QR code. code • Anything prohibited by the PayPal PayPal’s Acceptable Use Policy • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). ) • Personal payments Payments, including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) • Items intended for resale, including single single-item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer ’s Purchase Protection Policy program To be eligible for PayPal Buyer Purchase Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then payment and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Purchase Protection Policyprogram. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses Significantly Not as Described claims for wholly or partly custom-made items (when unless they are claimed to be Not Received) or items picked up in person. • Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms. • Items prohibited by the PayPal Acceptable Use Policy. • For Item Not Received claims, items which you buy collect in person or invest in arrange to be collected on your behalf, including items bought a business) retail point of sale location, except for in-person PayPal QR code goods and services transactions. • Industrial machinery used in manufacturing manufacturing. • Payments that are to state-run bodies, (except for state-owned enterprises) or traders acting on mandates received from state-run bodies Payment equivalent to cash, including stored value items such as gift cards and pre-paid cards. • Stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments • Payments made using PayPal Payouts and Mass Pay or sent using your PayPal account. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ); and • Financial products or investments Purchases of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims forusing Zong, physical, tangible items you collect in person Website Payments Pro or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal QR code. • Anything prohibited by the PayPal Acceptable Use Policy • Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) Virtual Terminal • Items intended for resale, including single item transactions or transactions that include multiple items items. PayPal may at its sole discretion automatically close any Dispute or Claim you file which PayPal has reason to suspect is not related an eligible purchase as outlined above. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:: Step 1: Open a dispute within 180 days of the date you made the payment. This might allow you to start a direct conversation with the seller regarding your issue with the transaction that may help resolve the dispute. If you are unable to resolve the dispute directly with the seller, proceed to Step 2. We will place a hold on all funds related to the transaction in the seller's PayPal account until the dispute is resolved or closed.

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's ’s Buyer Protection Policyprogram. Item Not Received claims Your claim will not qualify for a refund under PayPal's Buyer Protection Policy program for an Item Not Received claim, claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storestore location, except for in-person PayPal QR code for goods and services transactions; , or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as As Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “"new” " but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of i t. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “"used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions under PayPal's Buyer Protection program The following items or transactions are not eligible for under PayPal's ’s Buyer Protection program: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, and/or any other activities with an entry fee and a prize prize. • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies agencies. • Payments to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store ’s point of sale location, except if you paid for the transaction in-person using PayPal PayPal’s goods and services QR code. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's ’s friends and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's Buyer Protection Policy program To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then and follow our online dispute resolution process. • Not You have not received a recovery compensation or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policyprogram. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-in person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's Buyer ’s Purchase Protection Policyprogram. Item Not Received claims Your claim will not qualify for a refund under PayPal's Buyer ’s Purchase Protection Policy program for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-in- person PayPal QR code for goods and services transactions; , or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal’s Purchase Protection program Payments for the following items or transactions are not eligible for PayPal's Buyer Protection programreimbursement under PayPal Purchase Protection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service . • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code code goods and services transactions transactions. • Donations including payments on crowdfunding platforms. • Items prohibited by the PayPal Acceptable Use Policy. • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's ’s store location, except if you paid for the transaction in-person using PayPal QR codecode goods and services transactions. • Industrial machinery used in manufacturing. • Anything prohibited by the purchased from, or an amount paid to, a government agency. • Stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments. • Payments sent using PayPal Acceptable Use Policy to any xxxx payment service. • Payments made using PayPal's PayPal Payouts and Mass Pay or guest checkout transactions (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have i.e. not sent using your PayPal account (e.g. guest checkout transactions) account). • Items intended for resale, including single item transactions or transactions that include multiple items items. Transaction eligibility for PayPal's Buyer ’s Purchase Protection Policy program To be eligible for PayPal Buyer Purchase Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then payment and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our Buyer Purchase Protection Policyprogram. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:: Step 1: Open a dispute within 180 days of the date you made the payment. This might allow you to start a direct conversation with the seller regarding your issue with the transaction that may help resolve the dispute. If you are unable to resolve the dispute directly with the seller, proceed to Step 2. We will place a hold on all funds related to the transaction in the seller's PayPal account until the dispute is resolved or closed.

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's Payouts (formerly and Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim dispute under PayPal’s Purchase Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's PayPal Payouts (formerly Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's Payouts (formerly and Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-in- person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses Significantly Not as Described claims for wholly or partly custom-made items (when unless they are claimed to be Not Received) or items picked up in person. • Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms. • Items prohibited by the PayPal Acceptable Use Policy. • For Item Not Received claims, items which you buy collect in person or invest in arrange to be collected on your behalf, including items bought a business) retail point of sale location, except for in-person PayPal QR code goods and services transactions. • Industrial machinery used in manufacturing manufacturing. • Payments that are to state-run bodies, (except for state-owned enterprises) or traders acting on mandates received from state-run bodies Payment equivalent to cash, including stored value items such as gift cards and pre-paid cards. • Stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments • Payments made using PayPal Payouts and Mass Pay or sent using your PayPal account. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ); and • Financial products or investments Purchases of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions • Item Not Received claims forusing Zong, physical, tangible items you collect in person Website Payments Pro or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal QR code. • Anything prohibited by the PayPal Acceptable Use Policy • Payments made using PayPal's Payouts (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) Virtual Terminal • Items intended for resale, including single item transactions or transactions that include multiple items items. PayPal may at its sole discretion automatically close any Dispute or Claim you file which PayPal has reason to suspect is not related an eligible purchase as outlined above. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; transactions or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service hoverboards. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person. • Donations including payments on crowdfunding platforms, except for in-person as well as payments made on crowdlending platforms. • Items prohibited by the PayPal QR Code goods and services transactions Acceptable Use Policy. • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's store location’s retail point of sale, except if you paid for the transaction in-person using PayPal QR codecode goods and services transactions. • Anything prohibited by the PayPal Acceptable Use Policy Industrial machinery used in manufacturing. • Payments to state-run bodies, (except for state-owned enterprises) or traders acting on mandates received from state-run bodies. • Payment equivalent to cash, including stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments. • Payments made using PayPal's PayPal Payouts (formerly and Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have Pay i.e. not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions that include multiple items Transaction eligibility for PayPal's Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standingitems. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute Payments made in the Resolution Centre within 180 days respect of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery gold (whether in physical form or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:exchange- traded form).

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical storeretail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's Payouts (formerly and Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:: Step 1: Open a dispute within 180 days of the date you made the payment. This might allow you to start a direct conversation with the seller regarding your issue with the transaction that may help resolve the dispute. If you are unable to resolve the dispute directly with the seller, proceed to Step 2. We will place a hold on all funds related to the transaction in the seller's PayPal account until the dispute is resolved or closed.

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-person PayPal QR code for goods and services transactions; or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal Buyer Protection Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service . • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person . • Donations including payments on crowdfunding platforms. • Items prohibited by the PayPal QR Code goods and services transactions Acceptable Use Policy. • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's store ’s point of sale location, except if you paid for the transaction in-in- person using PayPal QR codecode goods and services transactions. • Industrial machinery used in manufacturing. • Anything prohibited by the purchased from, or an amount paid to, a government agency. • Stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments. • Payments sent using PayPal Acceptable Use Policy to any xxxx payment service. • Payments made using PayPal's PayPal Payouts and Mass Pay or guest checkout transactions (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have i.e. not sent using your PayPal account (e.g. guest checkout transactions) account). • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item from a seller in-person by using a QR code (for goods and services transactions), your transaction may be eligible for PayPal's ’s Buyer Protection Policy. Item Not Received claims Your claim will not qualify for a refund under PayPal's ’s Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s physical store, except for in-person PayPal QR code for goods and services transactions; or • The seller has provided proof of shipment or proof of delivery. If IIf the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The under PayPal’s Buyer Protection Policy Payments for the following items or transactions are not eligible for PayPal's reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any bill payment service . • Significantly Not as As Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions transactions. • Donations and payments on crowdfunding platforms. • Items prohibited by the PayPal Acceptable Use Policy. • For Item Not Received claims forclaims, physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's ’s store location, except if you paid for the transaction in-person using PayPal QR codecode goods and services transactions. • Industrial machinery used in manufacturing. • Anything prohibited by the purchased from, or an amount paid to, a government agency. • Stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Payments sent using PayPal’s friends and family functionality (known as “Personal Payment”). • Payments sent using PayPal Acceptable Use Policy to any xxxx payment service. • Payments made using PayPal's PayPal Payouts and Mass Pay or guest checkout transactions (formerly Mass Pay). • Personal payments including payments sent using PayPal's friends and family functionality • Payments that you have i.e. not sent using your PayPal account (e.g. guest checkout transactions) account). • Items intended for resale, including single item transactions or transactions that include multiple items items. Transaction eligibility for PayPal's ’s Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim through the PayPal Resolution Centre. • Your payment is less than $20,000. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection Policy. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person. Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything Items prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's Payouts (formerly and Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution Centre. • Your payment is less than $20,000Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

QR Code Transactions. If you purchase an item buy something from a seller in-person by using a QR code (for PayPal goods and services transactions)QR code, your transaction may be eligible for PayPal's PayPal Buyer Protection PolicyProtection. Item Not Received claims Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection Policy for an Item Not Received claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's physical store’s retail point of sale, except for in-person PayPal QR code for goods and services transactions; or . • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour address, PayPal may find in favour favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. Significantly Not as Described claims An item will may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as “new” but the item was used. • The item was advertised as authentic but is not authentic (i.e. counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item will may not be considered Significantly Not as Described if: • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as “used." • It was listed as used condition and you picked it up in person". Ineligible items and transactions The following items or transactions are not eligible for PayPal's PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies, or third-third parties acting on behalf of state-run bodies or government agencies agencies. • Payments sent using PayPal to any bill xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person, except for in-person PayPal QR Code goods and services transactions items. • Item Not Received claims for, for physical, tangible items which you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store retail point of sale location, except if you paid for the transaction in-person using PayPal QR codecode for goods and services. • Anything prohibited by the PayPal PayPal's Acceptable Use Policy Policy. • Payments made using PayPal's Payouts (formerly and Mass Pay). • Personal payments Payments including payments sent using PayPal's friends friend and family functionality functionality. • Payments that you have not sent using your PayPal account (e.g. guest checkout transactions) account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. Transaction eligibility for PayPal's PayPal Buyer Protection Policy To be eligible for PayPal Buyer Protection you must meet all of the following requirements: • o Have a PayPal account in good standing. • o Pay for the eligible item from your PayPal account. • o Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal Buyer Protection through the PayPal Resolution CentreCenter. • Your payment is less than $20,000. • o Respond to PayPal's request for documentation and other information within the time requested. • o Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. • o Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You send the item back to the seller only in accordance with our instructions. Our online dispute resolution process If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection PolicyProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied: