Common use of Reserves Clause in Contracts

Reserves. Subject to applicable laws and regulations, we may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.

Reserves. Subject to applicable laws and regulations, we may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.. PAYPAL USER AGREEMENT RESOLVING PROBLEMS We strongly recommend that you monitor your account closely on a regular basis. If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulations, we may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re 're required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll 'll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.. PAYPAL USER AGREEMENT RESOLVING PROBLEMS We strongly recommend that you monitor your account closely on a regular basis. If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve “rolling reserve” is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve “minimum reserve” is a specific minimum amount of funds that you’re required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds transactions will be shown as "pending" in your PayPal account is reserved as unavailable for withdrawal balance, and you will not be able to withdraw funds in a "pending" status, in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors factors, and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. If we place a reserve on funds in your account, we'll notify you of our actions and the terms of the reserve. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money funds you receive on day 1 is are held and then released on day 91, 10% of the money funds you receive on day 2 is are held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re 're required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, change the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change terms of the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve “rolling reserve” is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve “minimum reserve” is a specific minimum amount of funds that you’re required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.. PAYPAL USER AGREEMENT RESOLVING PROBLEMS We strongly recommend that you monitor your account closely on a regular basis. If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds money in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.. PAYPAL USER AGREEMENT RESOLVING PROBLEMS We strongly recommend that you monitor your account closely on a regular basis. If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve “rolling reserve” is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve “minimum reserve” is a specific minimum amount of funds that you’re 're required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll 'll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.. PAYPAL USER AGREEMENT RESOLVING PROBLEMS We strongly recommend that you monitor your account closely on a regular basis. If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds money in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the transactions will be shown as "pending" in the balance of your PayPal account, and you will not be able to withdraw funds in your PayPal account is reserved as unavailable for withdrawal a "pending" status, in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors factors, and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. If we place a reserve on funds in your account, we'll notify you of our actions and the terms of the reserve. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money funds you receive on day 1 is are held and then released on day 91, 10% of the money funds you receive on day 2 is are held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re 're required to keep available in the balance of your balance PayPal account at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as called an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, change the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change terms of the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds money in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. • PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds transactions will be shown as "pending" in your PayPal account is reserved as unavailable for withdrawal balance, and you will not be able to withdraw funds in a "pending" status, in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors factors, and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. If we place a reserve on funds in your account, we'll notify you of our actions and the terms of the reserve. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money funds you receive on day 1 is are held and then released on day 91, 10% of the money funds you receive on day 2 is are held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re 're required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, change the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change terms of the reserve due to a change in our risk assessment, we’ll 'll notify you about it as wellof the new terms. You will undertakeCourt Orders, at your own expenseRegulatory Requirements or Other Legal Process If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, any further action or if we otherwise believe we are required to establish do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your PayPal account, placing a reserve or limitation on your PayPal account, or releasing your funds. We will decide, in our sole discretion, which action is required of us. Unless the court order, applicable law, regulatory requirement or other form legal process requires otherwise, we will notify you of security these actions. We do not have an obligation to contest or appeal any court order or legal process involving you or your PayPal account. When we implement a hold, reserve or limitation as a result of a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in a manner place as long as reasonably necessary as determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestPayPal.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds money in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal servicesServices. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” "pending and we’ll 'll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll 'll notify you about it as wellof the new terms. In respect of the Export Payment Services, PayPal shall be entitled to deduct the Reserve Amount from the sale price of the goods or services (including any shipping fee, taxes, costs or other expenses) and deposit the same with the authorised dealer bank. In case the offshore buyer notifies PayPal that you have failed to discharge your obligations under the terms of the sale contract between you and the offshore buyer, PayPal shall be entitled, in its sole and absolute discretion, to remit the charge back to the offshore buyer out of the Reserve Amount after verifying the offshore buyers' claim. You will undertakeshall be entitled to receive either the Reserve Amount or, at your own expenseif a charge back has been made as per this section, any further action required to establish the balance thereof, after expiry of a reserve or other form period of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form 180 days of document reasonably required by us to allow us to perfect any form receipt of security interestthe export proceeds.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money funds you receive on day 1 is held and then released on day 91, 10% of the money funds you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds transactions will be shown as "pending" in your PayPal account is reserved as unavailable for withdrawal balance, and you will not be able to withdraw funds in a "pending" status, in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors factors, and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. If we place a reserve on funds in your account, we'll notify you of our actions and the terms of the reserve. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money funds you receive on day 1 is are held and then released on day 91, 10% of the money funds you receive on day 2 is are held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re 're required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as called an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, change the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change terms of the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds money in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal servicesServices. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re 're required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” "pending and we’ll 'll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll 'll notify you about it as wellof the new terms. In respect of the Export Payment Services, PayPal shall be entitled to deduct the Reserve Amount from the sale price of the goods or services (including any shipping fee, taxes, costs or other expenses) and deposit the same with the authorised dealer bank. In case the offshore buyer notifies PayPal that you have failed to discharge your obligations under the terms of the sale contract between you and the offshore buyer, PayPal shall be entitled, in its sole and absolute discretion, to remit the charge back to the offshore buyer out of the Reserve Amount after verifying the offshore buyers' claim. You will undertakeshall be entitled to receive either the Reserve Amount or, at your own expenseif a charge back has been made as per this section, any further action required to establish the balance thereof, after expiry of a reserve or other form period of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form 180 days of document reasonably required by us to allow us to perfect any form receipt of security interestthe export proceeds.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money funds you receive on day 1 is held and then released on day 91, 10% of the money funds you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve “rolling reserve” is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve “minimum reserve” is a specific minimum amount of funds that you’re 're required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll 'll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.. We strongly recommend that you monitor your account closely on a regular basis. If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.

Reserves. Subject to applicable laws and regulations, we may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re 're required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll 'll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.. We strongly recommend that you monitor your account closely on a regular basis.‌ If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re 're required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll 'll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.. PAYPAL USER AGREEMENT RESOLVING PROBLEMS We strongly recommend that you monitor your account closely on a regular basis. If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulations, we may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re 're required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “"pending” " and we’ll 'll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds transactions will be shown as "pending" in the balance in your PayPal account is reserved as unavailable for withdrawal account, and you will not be able to withdraw funds in a "pending" status, in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. If we place a reserve on funds in your account, we'll notify you of our actions and the terms of the reserve. You agree that PayPal's decision to take certain actions, including imposing reserves, limiting access to your account or placing holds may be based on confidential criteria that is essential to our management of risk, the security of accounts and the PayPal system. You agree that PayPal is under no obligation to disclose the details of its risk management or its security procedures to you. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re 're required to keep available in the balance of your balance PayPal account at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, change the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change terms of the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. • PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money funds you receive on day 1 is held and then released on day 91, 10% of the money funds you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re required to keep available in your balance of your business account at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds money in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re required to keep available in your balance in your PayPal account at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds transactions will be shown as "pending" in your PayPal account is reserved as unavailable for withdrawal balance, and you will not be able to withdraw funds in a "pending" status, in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. If we place a reserve on funds in your account, we'll notify you of our actions and the terms of the reserve. You agree that PayPal's decision to take certain actions, including imposing reserves, limiting access to your account or placing holds may be based on confidential criteria that is essential to our management of risk, the security of accounts and the PayPal system. You agree that PayPal is under no obligation to disclose the details of its risk management or its security procedures to you. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re 're required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, change the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change terms of the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve “rolling reserve” is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve “minimum reserve” is a specific minimum amount of funds that you’re 're required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll 'll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.. RESOLVING PROBLEMS We strongly recommend that you monitor your account closely on a regular basis. If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds transactions will be shown as "pending" in your PayPal account is reserved as unavailable for withdrawal balance, and you will not be able to withdraw funds in a "pending" status, in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. If we place a reserve on funds in your account, we'll notify you of our actions and the terms of the reserve. You agree that PayPal's decision to take certain actions, including imposing reserves, limiting access to your account or placing holds may be based on confidential criteria that is essential to our management of risk, the security of accounts and the PayPal system. You agree that PayPal is under no obligation to disclose the details of its risk management or its security procedures to you. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re 're required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, change the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change terms of the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds money in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as wellof the new terms. You will undertakeCourt Orders, at your own expenseRegulatory Requirements or Other Legal Process If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, any further action or if we otherwise believe we are required to establish do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your PayPal account, placing a reserve or other form limitation on your PayPal account, or releasing your funds. We will decide, in our sole discretion, which action is required of security in a manner reasonably determined by us. This can involve executing Unless the court order, applicable law, regulatory requirement or other legal process requires otherwise, we will notify you of these actions. We do not have an obligation to contest or appeal any necessary documents and registering any form court order or legal process involving you or your PayPal account. When we implement a hold, reserve or limitation as a result of document reasonably required by us to allow us to perfect any form of security interesta court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in place longer than 180 days.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. • PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money funds you receive on day 1 is held and then released on day 91, 10% of the money funds you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve “rolling reserve” is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve “minimum reserve” is a specific minimum amount of funds that you’re required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.. We strongly recommend that you monitor your account closely on a regular basis. If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account money that you receive is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. • PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re required to keep available in your balance is made unavailable at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal accountthat you receive, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulationsIf you hold a PayPal business account, we may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds transactions will be shown as "pending" in your PayPal account is reserved as unavailable for withdrawal balance, and you will not be able to withdraw funds in a "pending" status, in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors factors, and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. If we place a reserve on funds in your account, we'll notify you of our actions and the terms of the reserve. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money funds you receive on day 1 is are held and then released on day 91, 10% of the money funds you receive on day 2 is are held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re 're required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as called an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, change the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change terms of the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds money in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as wellof the new terms. You will undertakeCourt Orders, at your own expenseRegulatory Requirements or Other Legal Process If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, any further action or if we otherwise believe we are required to establish do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your PayPal account, placing a reserve or other form limitation on your PayPal account, or releasing your funds. We will decide, in our sole discretion, which action is required of security in a manner reasonably determined by us. This can involve executing Unless the court order, applicable law, regulatory requirement or other legal process requires otherwise, we will notify you of these actions. We do not have an obligation to contest or appeal any necessary documents court order or legal process involving you or your PayPal account. When we implement a hold, reserve or limitation as a result of a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in place longer than 180 days. Protection from Unauthorized Transactions To protect yourself from unauthorized activity in your PayPal account, you should regularly log into your PayPal account and registering any form review your PayPal account statement. PayPal will notify you of document reasonably required each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed. PayPal will protect you from unauthorized activity in your PayPal account. When this protection applies, PayPal will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below. What is an Unauthorized Transaction An “Unauthorized Transaction” occurs when money is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to allow us access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. What is not considered an Unauthorized Transaction The following are NOT considered Unauthorized Transactions: • If you give someone access to perfect any form your PayPal account (by giving them your login information) and they use your PayPal account without your knowledge or permission. You are responsible for transactions made in this situation. • Invalidation and reversal of security interesta payment as a result of the actions described under Refunds, Reversals and Chargebacks.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. • PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money funds you receive on day 1 is held and then released on day 91, 10% of the money funds you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re required to keep available in your balance of your business account at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account money that you receive is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. • PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re required to keep available in your balance is made unavailable at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal accountthat you receive, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertakeof the new terms.‌ Court Orders, at your own expenseRegulatory Requirements or Other Legal Processes If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, any further action or if we otherwise believe we are required to establish do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your PayPal account, placing a reserve or limitation on your PayPal account, or releasing your funds. We will decide, in our sole discretion, which action is required of us. Unless the court order, applicable law, regulatory requirement or other form legal process requires otherwise, we will notify you of security these actions. We do not have an obligation to contest or appeal any court order or legal process involving you or your PayPal account. When we implement a hold, reserve or limitation as a result of a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in a manner place as long as reasonably necessary as determined by usPayPal. This can involve executing any necessary documents Protection from Unauthorized Transactions‌‌ To protect yourself from unauthorized activity in your PayPal account, you should regularly log into your PayPal account and registering any form review your PayPal account statement. PayPal will notify you of document reasonably required each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed. PayPal will protect you from unauthorized activity in your PayPal account. When this protection applies, PayPal will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below. What is an Unauthorized Transaction An “Unauthorized Transaction” occurs when a payment is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to allow access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. What is not considered an Unauthorized Transaction The following are NOT considered Unauthorized Transactions: If you give someone access to your PayPal account (by giving them your login information) and they use your PayPal account without your knowledge or permission. You are responsible for transactions made in this situation. Invalidation and reversal of a payment as a result of the actions described under Refunds, Reversals and Chargebacks. Reporting an Unauthorized Transaction If you believe your PayPal login information has been lost or stolen, please contact PayPal customer service immediately. Tell us to perfect any form of security interest.if you believe that an electronic fund transfer has been made without your permission using your login information or by other means. You could lose all the money in your PayPal account. If you tell us within 60 days after we provide you your PayPal account statement showing transfers you did not make, you will be eligible for 100% protection for Unauthorized Transactions. If something unforeseen (such as a hospital stay) kept you from telling us before 60 days expires, we may extend the eligible time period. Error Resolution What is an Error

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds money in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. • PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve “rolling reserve” is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve “minimum reserve” is a specific minimum amount of funds that you’re required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.. RESOLVING PROBLEMS We strongly recommend that you monitor your account closely on a regular basis. If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds money in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal servicesServices. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re 're required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” "pending and we’ll 'll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll 'll notify you about it as wellof the new terms. In respect of the Export Payment Services, PayPal shall be entitled to deduct the Reserve Amount from the sale price of the goods or services (including any shipping fee, taxes, costs or other expenses) and deposit the same with the authorised dealer bank. In case the offshore buyer notifies PayPal that you have failed to discharge your obligations under the terms of the sale contract between you and the offshore buyer, PayPal shall be entitled, in its sole and absolute discretion, to remit the charge back to the offshore buyer out of the Reserve Amount after verifying the offshore buyers' claim. You will undertakeshall be entitled to receive either the Reserve Amount or, at your own expenseif a charge back has been made as per this section, the balance thereof, after expiry of a period of 180 days of receipt of the export proceeds. Court Orders, Regulatory Requirements or Other Legal Process If we are notified of a court order or other legal process (including garnishment or any further action equivalent process) affecting you, or if we otherwise believe we are required to establish do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your PayPal account, placing a reserve or other form limitation on your PayPal account, or releasing your funds. We will decide, in our sole discretion, which action is required of security in a manner reasonably determined by us. This can involve executing Unless the court order, applicable law, regulatory requirement or other legal process requires otherwise, we will notify you of these actions. We do not have an obligation to contest or appeal any necessary documents court order or legal process involving you or your PayPal account. When we implement a hold, reserve or limitation as a result of a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in place longer than 180 days. Liability for Unauthorised Transactions Protection from Unauthorised Transactions To protect yourself from unauthorised activity in your PayPal account, you should regularly log into your PayPal account and registering any form review your PayPal account statement. PayPal will notify you of document reasonably required each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorised and accurately completed. PayPal will protect you from unauthorised activity in your PayPal account. When this protection applies, PayPal will cover you for the full amount of the unauthorised activity as long as you cooperate with us and follow the procedures described below. What is an Unauthorised Transaction An "Unauthorised Transaction" occurs when money is sent from your PayPal account that you did not authorise and that did not benefit you. For example, if someone steals your password, uses the password to allow us access your PayPal account, and sends a payment from your PayPal account, an Unauthorised Transaction has occurred. What is not considered an Unauthorised Transaction The following are NOT considered Unauthorised Transactions: • If you give someone access to perfect any form your PayPal account (by giving them your login information) and they use your PayPal account without your knowledge or permission. You are responsible for transactions made in this situation. • Invalidation and reversal of security interesta payment as a result of the actions described under Refunds, Reversals and Chargebacks.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the transactions will be shown as "pending" in the balance of your PayPal account, and you will not be able to withdraw funds in your PayPal account is reserved as unavailable for withdrawal a "pending" status, in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors factors, and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. If we place a reserve on funds in your account, we'll notify you of our actions and the terms of the reserve. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money funds you receive on day 1 is are held and then released on day 91, 10% of the money funds you receive on day 2 is are held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re 're required to keep available in the balance of your balance PayPal account at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as called an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, change the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change terms of the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertakeof the new terms.‌ Court Orders, at your own expenseRegulatory Requirements or Other Legal Processes If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, any further action or if we otherwise believe we are required to establish do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your PayPal account, placing a reserve or limitation on your PayPal account, or releasing your funds. We will decide, in our sole discretion, which action is required of us. Unless the court order, applicable law, regulatory requirement or other form legal process requires otherwise, we will notify you of security these actions. We do not have an obligation to contest or appeal any court order or legal process involving you or your PayPal account. When we implement a hold, reserve or limitation as a result of a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in a manner place as long as reasonably necessary as determined by us. This can involve executing any necessary documents and registering any form of document reasonably PayPal or as required by law. Protection from Unauthorized Transactions‌‌ To protect yourself from unauthorized activity in your PayPal account, you should regularly log into your PayPal account and review your PayPal account statement. PayPal will notify you of each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed. PayPal will protect you from unauthorized activity in your PayPal account. When this protection applies, PayPal will cover you for the full amount of the unauthorized activity as long as you cooperate with us to allow us to perfect any form of security interestand follow the procedures described below.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve "rolling reserve" is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve "minimum reserve" is a specific minimum amount of funds that you’re 're required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “"pending” " and we’ll 'll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.. We strongly recommend that you monitor your account closely on a regular basis. If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve “rolling reserve” is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve “minimum reserve” is a specific minimum amount of funds that you’re required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.. We strongly recommend that you monitor your account closely on a regular basis.‌ If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds transactions will be shown as "pending" in your PayPal account is reserved as unavailable for withdrawal balance, and you will not be able to withdraw funds in a "pending" status, in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. If we place a reserve on funds in your account, we'll notify you of our actions and the terms of the reserve. You agree that PayPal's decision to take certain actions, including imposing reserves, limiting access to your account or placing holds may be based on confidential criteria that is essential to our management of risk, the security of accounts and the PayPal system. You agree that PayPal is under no obligation to disclose the details of its risk management or its security procedures to you. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re 're required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, change the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change terms of the reserve due to a change in our risk assessment, we’ll 'll notify you about it as wellof the new terms. You will undertakeCourt Orders, at your own expenseRegulatory Requirements or Other Legal Process If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, any further action or if we otherwise believe we are required to establish do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your PayPal account, placing a reserve or limitation on your PayPal account, or releasing or reversing your funds. We will decide, in our sole discretion, which action is required of us. Unless the court order, applicable law, regulatory requirement or other form legal process requires otherwise, we will notify you of security these actions. We do not have an obligation to contest or appeal any court order or legal process involving you or your PayPal account. When we implement a hold, reserve or limitation as a result of a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in a manner place as long as reasonably necessary as determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestPayPal.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve “rolling reserve” is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve “minimum reserve” is a specific minimum amount of funds that you’re 're required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll 'll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.. We strongly recommend that you monitor your account closely on a regular basis.‌ If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulationsIf you hold a PayPal business account, we may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds transactions will be shown as "pending" in your PayPal account is reserved as unavailable for withdrawal balance, and you will not be able to withdraw funds in a "pending" status, in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors factors, and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. If we place a reserve on funds in your account, we'll notify you of our actions and the terms of the reserve. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money funds you receive on day 1 is are held and then released on day 91, 10% of the money funds you receive on day 2 is are held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re 're required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, change the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change terms of the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestthe new terms.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds transactions will be shown as "pending" in your PayPal account is reserved as unavailable for withdrawal balance, and you will not be able to withdraw funds in a "pending" status, in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors factors, and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. If we place a reserve on funds in your account, we'll notify you of our actions and the terms of the reserve. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money funds you receive on day 1 is are held and then released on day 91, 10% of the money funds you receive on day 2 is are held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re 're required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, change the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change terms of the reserve due to a change in our risk assessment, we’ll 'll notify you about it as wellof the new terms. You will undertakeCourt Orders, at your own expenseRegulatory Requirements or Other Legal Process If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, any further action or if we otherwise believe we are required to establish do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your PayPal account, placing a reserve or limitation on your PayPal account, or releasing your funds. We will decide, in our sole discretion, which action is required of us. Unless the court order, applicable law, regulatory requirement or other form legal process requires otherwise, we will notify you of security these actions. We do not have an obligation to contest or appeal any court order or legal process involving you or your PayPal account. When we implement a hold, reserve or limitation as a result of a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in a manner place as long as reasonably necessary as determined by usPayPal. This can involve executing Protection from Unauthorized Transactions To protect yourself from unauthorized activity in your PayPal account, you should regularly log into your PayPal account and review your PayPal account statement. PayPal will notify you of each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed. PayPal will protect you from unauthorized activity in your PayPal account. When this protection applies, PayPal will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below. What is an Unauthorized Transaction An "Unauthorized Transaction" occurs when a payment is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. What is not considered an Unauthorized Transaction The following are NOT considered Unauthorized Transactions: • If you give someone access to your PayPal account (by giving them your login information) and they use your PayPal account without your knowledge or permission. You are responsible for transactions made in this situation. • Invalidation and reversal of a payment as a result of the actions described under Refunds, Reversals and Chargebacks. Reporting an Unauthorized Transaction You should contact PayPal customer service immediately if you believe: • there has been an Unauthorized Transaction sent from your account; • there has been unauthorized access to your account; • your PayPal login information has been lost or stolen; or • any necessary documents device you have used to access your PayPal account has been lost, stolen or deactivated. You must give us all the available information relating to circumstances of any Unauthorized Transactions, and/or misappropriated or unauthorized use of your account, and registering any form take all reasonable steps requested to assist PayPal in its investigation. If you notify us of document reasonably required by us to allow us to perfect any form an Unauthorized Transaction within 60 days of security interest.the transaction and we are satisfied that it was an Unauthorized Transaction, you will be eligible for 100% protection for the Unauthorized Transaction. Error Resolution What is an Error

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds money in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. • PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as wellof the new terms. You will undertakeCourt Orders, at your own expenseRegulatory Requirements or Other Legal Process If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, any further action or if we otherwise believe we are required to establish do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your PayPal account, placing a reserve or limitation on your PayPal account, or releasing your funds. We will decide, in our sole discretion, which action is required of us. Unless the court order, applicable law, regulatory requirement or other form legal process requires otherwise, we will notify you of security these actions. We do not have an obligation to contest or appeal any court order or legal process involving you or your PayPal account. When we implement a hold, reserve or limitation as a result of a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in a manner place as long as reasonably necessary as determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interestPayPal.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money funds you receive on day 1 is held and then released on day 91, 10% of the money funds you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as wellof the new terms. You will undertakeCourt Orders, at your own expenseRegulatory Requirements or Other Legal Process If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, any further action or if we otherwise believe we are required to establish do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your PayPal account, placing a reserve or other form limitation on your PayPal account, or releasing your funds. We will decide, in our sole discretion, which action is required of security in a manner reasonably determined by us. This can involve executing Unless the court order, applicable law, regulatory requirement or other legal process requires otherwise, we will notify you of these actions. We do not have an obligation to contest or appeal any necessary documents and registering any form court order or legal process involving you or your PayPal account. When we implement a hold, reserve or limitation as a result of document reasonably required by us to allow us to perfect any form of security interest.a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in place longer than 180 days. PAYPAL USER AGREEMENT

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds money in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as wellof the new terms. You will undertakeCourt Orders, at your own expenseRegulatory Requirements or Other Legal Process If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, any further action or if we otherwise believe we are required to establish do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your PayPal account, placing a reserve or other form limitation on your PayPal account, or releasing your funds. We will decide, in our sole discretion, which action is required of security in a manner reasonably determined by us. This can involve executing Unless the court order, applicable law, regulatory requirement or other legal process requires otherwise, we will notify you of these actions. We do not have an obligation to contest or appeal any necessary documents court order or legal process involving you or your PayPal account. When we implement a hold, reserve or limitation as a result of a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in place longer than 180 days. Protection from Unauthorized Transactions To protect yourself from unauthorized activity in your PayPal account, you should regularly log into your PayPal account and registering review your PayPal account statement. PayPal will notify you of each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed. PayPal will protect you from unauthorized activity in your PayPal account. When this protection applies, PayPal will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below. What is an Unauthorized Transaction An “Unauthorized Transaction” occurs when money is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. What is not considered an Unauthorized Transaction The following are NOT considered Unauthorized Transactions: • If you give someone access to your PayPal account (by giving them your login information) and they use your PayPal account without your knowledge or permission. You are responsible for transactions made in this situation. • Invalidation and reversal of a payment as a result of the actions described under Refunds, Reversals and Chargebacks. Reporting an Unauthorized Transaction You should contact PayPal customer service immediately if you believe: • There has been an Unauthorized Transaction sent from your account. • There has been unauthorized access to your account. • Your PayPal login information has been lost or stolen. • Any device you have used to access your PayPal account has been lost, stolen or deactivated. • You must give us all the available information relating to circumstances of any form Unauthorized Transactions, and/or misappropriated or unauthorized use of document reasonably required by your account, and take all reasonable steps requested to assist PayPal in its investigation. • If you notify us to allow us to perfect any form of security interest.an Unauthorized Transaction within 60 days of the transaction and we are satisfied that it was an Unauthorized Transaction, you will be eligible for 100% protection for the Unauthorized Transaction. Error Resolution What is an Error

Reserves. Subject to applicable laws and regulations, we may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling ARolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum AMinimum reserve is a specific minimum amount of funds that you’re 're required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll 'll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.. RESOLVING PROBLEMS We strongly recommend that you monitor your account closely on a regular basis. If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulations, we may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re 're required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll 'll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll 'll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.interest.‌ We strongly recommend that you monitor your account closely on a regular basis. If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds money in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. Reserves may be placed on your PayPal account at the time you open a PayPal account or at any time during the life of your PayPal account. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. When we place a reserve on your PayPal account, the funds will appear in your PayPal account as a “Pending Balance,” and we’ll notify you of the terms of the reserve. If we change the terms of the reserve, we’ll notify you of the new terms. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds money that you’re required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds money in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal servicesServices. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re required to keep available in the balance of your balance PayPal account at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” "pending and we’ll 'll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll 'll notify you about it as wellof the new terms. In respect of the Export Payment Services, PayPal shall be entitled to deduct the reserve amount from the sale price of the goods or services (including any shipping fee, taxes, costs or other expenses) and deposit the same with the authorised dealer bank. In case the offshore buyer notifies PayPal that you have failed to discharge your obligations under the terms of the sale contract between you and the offshore buyer, PayPal shall be entitled, in its sole and absolute discretion, to remit the charge back to the offshore buyer out of the reserve amount after verifying the offshore buyers' claim. You will undertakeshall be entitled to receive either the reserve amount or, at your own expenseif a charge back has been made as per this section, any further action required to establish the balance thereof, after expiry of a reserve or other form period of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form 180 days of document reasonably required by us to allow us to perfect any form receipt of security interestthe export proceeds.

Reserves. Subject to applicable laws and regulations, we may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money you receive on day 1 is held and then released on day 91, 10% of the money you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re required to keep available in your balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money will be moved to your reserve account and shown as “pending” and we’ll notify you about it. If we change the reserve due to a change in our risk assessment, we’ll notify you about it as well. You will undertake, at your own expense, any further action required to establish a reserve or other form of security in a manner reasonably determined by us. This can involve executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest.. We strongly recommend that you monitor your account closely on a regular basis.‌ If you find a problem… If you have any reason to believe that there is a problem with your account or our service, follow these steps:

Reserves. Subject to applicable laws and regulations, we We may place a reserve on your PayPal account at any time if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. • PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: • How long you have been in business. • Whether your industry has a higher likelihood of chargebacks. • Your payment processing history with PayPal and other providers. • Your business and/or personal credit history. • Your delivery time frames. • Whether you have higher than average number of returns, chargebacks, claims or disputes. There are two types of reserves that may be placed on your PayPal account, and one or both may be applied at the same time: • A Rolling reserve is a reserve where a percentage of each transaction you receive each day is held and then released later on a scheduled basis. For example, your reserve could be set at 10% and held for a 90-day rolling period – meaning 10% of the money funds you receive on day 1 is held and then released on day 91, 10% of the money funds you receive on day 2 is held until day 92, etc. Rolling reserves are the most common type of reserve. • A Minimum reserve is a specific minimum amount of funds that you’re required to keep available in your PayPal balance at all times. The minimum reserve is either taken as an upfront amount deposited all at once (also known as an Upfront reserve) or is established on a rolling basis from percentages of sales until the minimum reserve is achieved, much like a rolling reserve. If we place a reserve on funds in your PayPal account, the money funds will be moved to your reserve account and shown as “pending” pending and we’ll notify you about itof the terms of the reserve. If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you about it as wellof the new terms. You will undertakeCourt Orders, at your own expenseRegulatory Requirements or Other Legal Process If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, any further action or if we otherwise believe we are required to establish do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your PayPal account, placing a reserve or other form limitation on your PayPal account, or releasing your funds. We will decide, in our sole discretion, which action is required of security in a manner reasonably determined by us. This can involve executing Unless the court order, applicable law, regulatory requirement or other legal process requires otherwise, we will notify you of these actions. We do not have an obligation to contest or appeal any necessary documents and registering any form court order or legal process involving you or your PayPal account. When we implement a hold, reserve or limitation as a result of document reasonably required by us to allow us to perfect any form of security interest.a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in place longer than 180 days. Liability for Unauthorized Transactions