Common use of Actions We May Take if You Engage in Any Restricted Activities Clause in Contracts

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments with any of the payment methods linked to your PayPal account, restricting your ability to send payments or make withdrawals; • Hold your PayPal balance if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's Buyer Protection program and/or PayPal's Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've violated our Acceptable Use Policy, then you're also responsible for damages to PayPal caused by your violation of this policy; or • If you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or equivalent) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've ’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may make take include, but are not limited to, the following: •  Terminate this user agreement, limit your PayPal accountaccount (and any linked Cash Account), and/or close or suspend your PayPal accountaccount (and any linked Cash Account), immediately and without penalty to us; •  Refuse to provide the PayPal services to you now and in the future; •  Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments money with any of the payment methods linked to your PayPal account, restricting your ability to send payments money or make withdrawals; •  Hold the balance in your Cash Account, the balance in your business PayPal balance account, or any money waiting to be claimed through your personal PayPal account if you do not have a Cash Account linked to your personal PayPal account, for up to 180 days if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy; •  Suspend your eligibility for PayPal's Buyer ’s Purchase Protection program and/or PayPal's ’s Seller Protection program; •  Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; •  Update inaccurate information you provided us; •  Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; •  If you've ’ve violated our Acceptable Use Policy, then you're ’re also responsible for damages to PayPal caused by your violation of this policy; or •  If you are a seller and you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or equivalent) 2,500.00 U.S. dollars per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll ’ll provide you with notice of our actions and make any unrestricted funds held in the balance of your Cash Account linked to your personal PayPal account or in the balance of your business PayPal account, or any money waiting to be claimed through your personal PayPal account if you do not have a Cash Account linked to your personal PayPal account, available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may make take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments with any of the payment methods linked to your PayPal account, restricting your ability to send payments or make withdrawals; • Hold your PayPal balance if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's Buyer Protection program and/or PayPal's Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've violated our Acceptable Use Policy, then you're also responsible for damages to PayPal caused by your violation of this policy; or • If you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or equivalent) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments with any of the payment methods linked to your PayPal account, restricting your ability to send payments or make withdrawals; • Hold your PayPal balance if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's Buyer Protection program and/or PayPal's Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've violated our Acceptable Use Policy, or if you are a seller and receive funds for transactions that violate the Acceptable Use Policy, then you're also responsible for damages to PayPal caused by your violation of this policy; or • If you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or equivalent) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages - including, but not limited to internal administrative costs incurred by PayPal to monitor and track violations, damage to PayPal’s brand and reputation, and penalties imposed upon PayPal by its business partners resulting from a user’s violation - considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've you have engaged in any of these activities, we may take a number of actions to protect PayPal, its customers parent companies, subsidiaries and affiliates, other users and others at any time in our sole discretion. The actions we may make take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments money with any of the payment methods linked to your PayPal account, restricting your ability to send payments money or make withdrawals; • Hold your PayPal balance if for a period of time reasonably needed to protect against the risk of liability to PayPal liability, if we believe that you may be engaging in potentially fraudulent or a third party, suspicious activity and/or transactions or if you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's Buyer ’s Purchase Protection program and/or PayPal's ’s Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've ’ve violated our Acceptable Use Policy, then you're ’re also responsible for damages to PayPal caused by your violation of this policy; or • If you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your each violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or equivalent) per to indemnify PayPal for all damages and losses PayPal may incur as a result of a violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculatePayPal. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll ’ll provide you with prior written notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal, in accordance with the provisions under Closing Your PayPal Account. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've ’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may make take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal accountPayPalaccount (andanylinked Cash Account), and/or close or suspend orsuspend your PayPal accountPayPalaccount (andanylinked Cash Account), immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websitesourwebsites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments money with any of the payment methods linked to your PayPal account, restricting your ability to send payments money or make withdrawals; • Hold Holdthebalance in your Cash Account, thebalance in your business PayPal balance account, orany money waiting to be claimed through your personal PayPal account if you do not have a Cash Account linked to your personal PayPal account, for up to 180 days if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's Buyer ’s Purchase Protection program and/or PayPal's ’s Seller Protection program; • Contact buyers who have whohave purchased goods or services goodsorservices from you using PayPal, your bank yourbank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've Ifyou’ve violated our Acceptable Use Policy, then you're also thenyou’realso responsible for damages to fordamagesto PayPal caused by your violation of this policy; or • If you are a seller and you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or equivalent) 2,500.00 U.S. dollars per violation of the Acceptable Use Policy is presently a presentlya reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll ’ll provide you with notice of our actions and make any unrestricted funds held in the balance of your Cash Account linked to your personal PayPal account or in the balance of your business PayPal account, or any money waiting to be claimed through your personal PayPal account if you do not have a Cash Account linked to your personal PayPal account, available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services. Holds, Limitations, andReserves‌ What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds‌ A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments with any of the payment methods linked to your PayPal account, restricting your ability to send payments or make withdrawals; • Hold the balance in your PayPal balance account if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy. The hold may remain in place longer than 180 days according to Court Orders, Regulatory Requirements or Other Legal Processes; • Suspend your eligibility for PayPal's Buyer Protection program and/or PayPal's Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've violated our Acceptable Use Policy, or if you are a seller and receive funds for transactions that violate the Acceptable Use Policy, then you're also responsible for damages to PayPal caused by your violation of this policy; or • If you are a seller and receive funds for transactions that violate the Acceptable Use PolicyPolicy and said violation is associated with fraud or the sale of goods that are counterfeit or otherwise infringe on intellectual property rights, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policysaid violation. You acknowledge and agree that $2,500 USD (or equivalent) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages - including, but not limited to internal administrative costs incurred by PayPal to monitor and track violations, damage to PayPal’s brand and reputation, and penalties imposed upon PayPal by its business partners resulting from said violation associated with fraud or the sale of goods that are counterfeit or otherwise infringe on intellectual property rights - considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policyviolation, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. • Charging the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes given PayPal’s increased involvement as a result of such Restricted Activity. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've ’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may make take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments funds with any of the payment methods funding sources linked to your PayPal account, restricting your ability to send payments funds or make withdrawals; • Hold your PayPal balance for up to 180 days if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's ’s Buyer Protection program and/or PayPal's ’s Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've ’ve violated our Acceptable Use Policy, then you're ’re also responsible for damages to PayPal caused by your violation of this policy; or • If you are a seller and you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or equivalentthe equivalent in another currency) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll ’ll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services Services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal servicesServices) operated by us or on our behalf, your PayPal account or any of the PayPal servicesServices, including limiting your ability to pay or send payments money with any of the payment methods linked to your PayPal account, restricting your ability to send payments money or make withdrawals; • Hold your PayPal balance for up to 180 days if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's Buyer Protection program and/or PayPal's Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've violated our Acceptable Use Policy, then you're also responsible for damages to PayPal caused by your violation of this policy; or • If you are a seller and you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 2,500.00 USD (or other currency equivalent) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services Services for any reason, we'll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third third-party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal servicesServices. You agree that PayPal is an intermediary and in addition to the Restricted Activities listed out above, you agree that you will not use the PayPal account or the PayPal Services to undertake any of the following actions or to display, upload, modify, publish, distribute, disseminate, transmit, update or share any information that: • belongs to another person to which you do not have any right; • is grossly harmful, harassing, blasphemous defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; • xxxxx minors in any way; • Infringes any intellectual property in any manner; • threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order, or causes incitement to the commission of any cognizable offence, or prevents the investigation of any offence or insults any other nation. • contains viruses, corrupted files, or any other similar software or programs that is designed to interrupt, destroy or that may limit the functionality of any computer source or that may damage or adversely affect the operation of another person's computer, its web-sites, any software or hardware, or telecommunications equipment; • interferes with or disrupts the account, PayPal Services or any of PayPal's other websites, servers, or networks; • impersonate any other person; • falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or the source of software or other material or deceive or mislead the addressee about the origin of any messages or communicate any information which is grossly offensive or menacing; forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through any web-sites; and engage in any illegal activities or breach laws or regulations; Holds, Limitations, and Reserves What are holds, limitations and reserves? Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal Services, PayPal may take account-level or transaction-level actions, subject to, and in accordance with, applicable law. Unless otherwise noted, if we take any of the actions described here, we'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. Holds based on PayPal's risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with applicable law or any regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We'll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you've uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we'll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you're a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third- party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third-party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third-party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services Services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal servicesServices) operated by us or on our behalf, your PayPal account or any of the PayPal servicesServices, including limiting your ability to pay or send payments money with any of the payment methods linked to your PayPal account, restricting your ability to send payments money or make withdrawals; • Hold your PayPal balance funds for up to 180 days if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy. The hold may remain in place longer than 180 days according to Court Orders, Regulatory Requirements or Other Legal Processes; • Suspend your eligibility for PayPal's Buyer Protection program and/or PayPal's Seller Protection program; • If your eligibility is suspended, amounts you retained under PayPal’s Seller Protection program in the 30 calendar days prior to your suspension may be recovered as amounts owed to PayPal. These amounts constitute actual damages suffered by PayPal as a result of your actions (i.e., payments that you retained at PayPal’s expense that you were not otherwise entitled to), and we may debit your PayPal account accordingly Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've violated our Acceptable Use Policy, then you're also responsible for damages to PayPal caused by your violation of this policy; or • policy If you are a seller and receive funds for transactions that violate the Acceptable Use PolicyPolicy and said violation is associated with fraud or the sale of goods that are counterfeit or otherwise infringe on intellectual property rights, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policysaid violation. You acknowledge and agree that $2,500 2,500.00 USD (or other currency equivalent) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages - including, but not limited to, internal administrative costs incurred by PayPal to monitor and track violations, damage to PayPal’s brand and reputation, and penalties imposed upon PayPal by its business partners resulting from said violation associated with fraud or the sale of goods that are counterfeit or otherwise infringe on intellectual property rights - considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policyviolation, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control; or Charging the High Volume Dispute fees for all current and future disputes, irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. If we close your PayPal account or terminate your use of the PayPal services Services for any reason, we'll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third third-party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal servicesServices. As required under the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 (as amended from time to time), you shall not use the PayPal account or the PayPal Services to undertake any of the following actions or to host, display, upload, modify, publish, distribute, disseminate, transmit, store, update or share any information that: belongs to another person to which you do not have any right; is obscene, pornographic, paedophilic, invasive of another's privacy, including bodily privacy, insulting or harassing on the basis of gender, racially, ethnically objectionable, relating or encouraging money laundering or gambling, or promoting enmity between different groups on the grounds of religion or caste with the intent to incite violence; xxxxx minors in any way; Infringes any intellectual property in any manner; threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order, or causes incitement to the commission of any cognizable offence, or prevents the investigation of any offence or insults any other nation. deceives or misleads the addressee about the origin of the message or knowingly and intentionally communicates any misinformation or information which is patently false and untrue or misleading in nature; contains software viruses or any other similar software or programs that is designed to interrupt, destroy or that may limit the functionality of any computer source; impersonate any other person; violates any law for the time being in force Holds, Limitations, and Reserves What are holds, limitations and reserves? Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal Services, PayPal may take account-level or transaction-level actions, subject to, and in accordance with, applicable law. Unless otherwise noted, if we take any of the actions described here, we'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modelling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: New sellers or sellers who have limited selling activity. Payments for higher-risk categories like electronics or tickets. Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments with any of the payment methods linked to your PayPal account, restricting your ability to send payments or make withdrawals; • Hold the balance in your PayPal balance account if reasonably needed to protect against the risk of liability to PayPal or a third party, or if we believe that you may be engaging in potentially fraudulent or suspicious activity and/or transactions or that you have violated our Acceptable Use Policy. The hold may remain in place longer than 180 days according to Court Orders, Regulatory Requirements or Other Legal Processes; • Suspend your eligibility for PayPal's Buyer Protection program and/or PayPal's Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply apply, reverse or transfer the funds in your PayPal account if reasonably determined necessary by PayPal or as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore Hong Kong SAR China or elsewhere and directed to PayPal or its affiliates; • If you've violated our Acceptable Use Policy, then you're also responsible for damages to PayPal caused by your violation of this policy; or • If you are a seller and receive funds for transactions that violate the Acceptable Use PolicyPolicy and said violation is associated with fraud or the sale of goods that are counterfeit or otherwise infringe on intellectual property rights, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policysaid violation. You acknowledge and agree that $2,500 USD (or equivalent) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages - including, but not limited to, internal administrative costs incurred by PayPal to monitor and track violations, damage to PayPal’s brand and reputation and penalties imposed upon PayPal by its business partners resulting from said violation associated with fraud or the sale of goods that are counterfeit or otherwise infringe on intellectual property rights - considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policytheviolation, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. • Charging the High Volume Dispute fees for all current and future disputes, irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services. Holds, Limitations, and Reserves‌ What are holds, limitations and reserves? Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds shall not be available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may make take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments with any of the payment methods linked to your PayPal account, restricting your ability to send payments or make withdrawals; • Hold your PayPal balance if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's Buyer Protection program and/or PayPal's Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've violated our Acceptable Use Policy, then you're also responsible for damages to PayPal caused by your violation of this policy; or • If you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or equivalent) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services.‌ Holds, Limitations and Reserves What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds shall not be available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments money with any of the payment methods linked to your PayPal account, restricting your ability to send payments money or make withdrawals; • Hold your PayPal balance if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use PolicyPolicy or if we believe that you may be engaging in potentially fraudulent or suspicious activity and/or transactions; • Suspend your eligibility for PayPal's ’s Buyer Protection program and/or PayPal's ’s Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've ’ve violated our Acceptable Use Policy, then you're ’re also responsible for damages to PayPal caused by your violation of this policy; or • If you are a seller and you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or foreign currency equivalent) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll ’ll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've ’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may make take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments money with any of the payment methods linked to your PayPal account, restricting your ability to send payments money or make withdrawals; • Hold your PayPal balance for up to 180 days if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's Buyer ’s Purchase Protection program and/or PayPal's ’s Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've ’ve violated our Acceptable Use Policy, then you're ’re also responsible for damages to PayPal caused by your violation of this policy; or • If you are a seller and you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or equivalent) Canadian Dollars per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll ’ll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may make take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments with any of the payment methods linked to your PayPal account, restricting your ability to send payments or make withdrawals; • Hold your PayPal balance if reasonably needed to protect against the risk of liability to PayPal or a third party, or if we believe that you may be engaging in potentially fraudulent or suspicious activity and/or transactions or that you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's Buyer Protection program and/or PayPal's Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply apply,reverse or transfer the funds in your PayPal account if reasonably determined necessary by PayPal or as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore Hong Kong SAR China or elsewhere and directed to PayPal or its affiliates; • If you've violated our Acceptable Use Policy, then you're also responsible for damages to PayPal caused by your violation of this policy; or • If you are a seller and you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or equivalent) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services. Holds, Limitations, and Reserves‌ What are holds, limitations and reserves? Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds‌ A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds shall not be available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've you have engaged in any of these activities, we may take a number of actions to protect PayPal, its customers parent companies, subsidiaries and affiliates, other users and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments money with any of the payment methods linked to your PayPal account, restricting your ability to send payments money or make withdrawals; • Hold your PayPal balance if for a period of time reasonably needed to protect against the risk of liability to PayPal liability, if we believe that you may be engaging in potentially fraudulent or a third party, suspicious activity and/or transactions or if you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's Buyer ’s Purchase Protection program and/or PayPal's ’s Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've ’ve violated our Acceptable Use Policy, then you're ’re also responsible for damages to PayPal caused by your violation of this policy; or • If you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your each violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or equivalent) per to indemnify PayPal for all damages and losses PayPal may incur as a result of a violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculatePayPal. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll ’ll provide you with prior written notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal, in accordance with the provisions under Closing Your PayPal Account. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've ’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments funds with any of the payment methods funding sources linked to your PayPal account, restricting your ability to send payments funds or make withdrawals; • Hold your PayPal balance for up to 180 days if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's ’s Buyer Protection program and/or PayPal's ’s Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've ’ve violated our Acceptable Use Policy, then you're ’re also responsible for damages to PayPal caused by your violation of this policy; or • If you are a seller and you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or equivalentthe equivalent in another currency) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll ’ll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may make take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services Services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal servicesServices) operated by us or on our behalf, your PayPal account or any of the PayPal servicesServices, including limiting your ability to pay or send payments money with any of the payment methods linked to your PayPal account, restricting your ability to send payments money or make withdrawals; • Hold your PayPal balance for up to 180 days if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's Buyer Protection program and/or PayPal's Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've violated our Acceptable Use Policy, then you're also responsible for damages to PayPal caused by your violation of this policy; or • If you are a seller and you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 2,500.00 USD (or other currency equivalent) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services Services for any reason, we'll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third third-party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal servicesServices. You agree that PayPal is an intermediary and in addition to the Restricted Activities listed out above, you agree that you will not use the PayPal account or the PayPal Services to undertake any of the following actions or to display, upload, modify, publish, distribute, disseminate, transmit, update or share any information that: • belongs to another person to which you do not have any right; • is grossly harmful, harassing, blasphemous defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; • xxxxx minors in any way; • Infringes any intellectual property in any manner; • threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order, or causes incitement to the commission of any cognizable offence, or prevents the investigation of any offence or insults any other nation. • contains viruses, corrupted files, or any other similar software or programs that is designed to interrupt, destroy or that may limit the functionality of any computer source or that may damage or adversely affect the operation of another person's computer, its web-sites, any software or hardware, or telecommunications equipment; • interferes with or disrupts the account, PayPal Services or any of PayPal's other websites, servers, or networks; • impersonate any other person; • falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or the source of software or other material or deceive or mislead the addressee about the origin of any messages or communicate any information which is grossly offensive or menacing; forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through any web-sites; and engage in any illegal activities or breach laws or regulations; Holds, Limitations, and Reserves‌‌ What are holds, limitations and reserves? Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal Services, PayPal may take account-level or transaction-level actions, subject to, and in accordance with, applicable law. Unless otherwise noted, if we take any of the actions described here, we'll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments with any of the payment methods linked to your PayPal account, restricting your ability to send payments or make withdrawals; • Hold your PayPal balance if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's Buyer Protection program and/or PayPal's Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've violated our Acceptable Use Policy, or if you are a seller and receive funds for transactions that violate the Acceptable Use Policy, then you're also responsible for damages to PayPal caused by your violation of this policy; or • If you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or equivalent) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages - including, but not limited to internal administrative costs incurred by PayPal to monitor and track violations, damage to PayPal’s brand and reputation, and penalties imposed upon PayPal by its business partners resulting from a user’s violation - considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. • Charging the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes given PayPal’s increased involvement as a result of such Restricted Activity. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments with any of the payment methods linked to your PayPal account, restricting your ability to send payments or make withdrawals; • Hold the balance in your PayPal balance account if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy. The hold may remain in place longer than 180 days according to Court Orders, Regulatory Requirements or Other Legal Processes; • Suspend your eligibility for PayPal's Buyer Protection program and/or PayPal's Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore Thailand or elsewhere and directed to PayPal or its affiliates; • If you've violated our Acceptable Use Policy, or if you are a seller and receive funds for transactions that violate the Acceptable Use Policy, then you're also responsible for damages to PayPal caused by your violation of this policy; or policy • If you are a seller and receive funds for transactions that violate the Acceptable Use PolicyPolicy and said violation is associated with fraud or the sale of goods that are counterfeit or otherwise infringe on intellectual property rights, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policysaid violation. You acknowledge and agree that $2,500 USD (or equivalent) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages - including, but not limited to internal administrative costs incurred by PayPal to monitor and track violations, damage to PayPal’s brand and reputation, and penalties imposed upon PayPal by its business partners resulting from said violation associated with fraud or the sale of goods that are counterfeit or otherwise infringe on intellectual property rights - considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policyviolation, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control; or • Charging the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes given PayPal’s increased involvement as a result of such Restricted Activity. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've ’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may make take include, but are not limited to, the following: •  Terminate this user agreement, limit your PayPal account, agreement and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse we may refuse to provide the PayPal services to you now and in the future; • .  Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments money with any of the payment methods linked to your PayPal account, restricting your ability to send payments money or make withdrawals; • .  Hold your PayPal balance for up to 180 days if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy; • .  Suspend your eligibility for PayPal's Buyer ’s Purchase Protection program and/or PayPal's ’s Seller Protection program; • .  Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • .  Update inaccurate information you provided us; • .  Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • .  If you've ’ve violated our Acceptable Use Policy, then you're ’re also responsible for damages to PayPal caused by your violation of this policy; or • .  If you are a seller and you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or equivalent) 2,500.00 U.S. dollars per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll ’ll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services. You agree to reimburse PayPal, any PayPal customer, or a third party for any and all such liability.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've ’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments money with any of the payment methods linked to your PayPal account, restricting your ability to send payments money or make withdrawals; • Hold your PayPal balance for up to 180 days if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's Buyer ’s Purchase Protection program and/or PayPal's ’s Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've ’ve violated our Acceptable Use Policy, then you're ’re also responsible for damages to PayPal caused by your violation of this policy; or • If you are a seller and you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or equivalent) Canadian Dollars per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll ’ll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services. Holds, Limitations and Reserves What are holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. To facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds‌ A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with federal or provincial regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third-party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third- party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments money with any of the payment methods linked to your PayPal account, restricting your ability to send payments money or make withdrawals; • Hold your balance in your PayPal balance account if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use PolicyPolicy or if we believe that you may be engaging in potentially fraudulent or suspicious activity and/or transactions. The hold may remain in place longer than 180 days according to Court Orders, Regulatory Requirements or Other Legal Processes; • Suspend your eligibility for PayPal's ’s Buyer Protection program and/or PayPal's ’s Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've ’ve violated our Acceptable Use Policy, then you're ’re also responsible for damages to PayPal caused by your violation of this policy; or policy • If you are a seller and receive funds for transactions that violate the Acceptable Use PolicyPolicy and said violation is associated with fraud or the sale of goods that are counterfeit or otherwise infringe on intellectual property rights, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policysaid violation. You acknowledge and agree that $2,500 USD (or foreign currency equivalent) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages damages, including, but not limited to, internal administrative costs incurred by PayPal to monitor and track violations, damage to PayPal’s brand and reputation, and penalties imposed upon PayPal by its business partners resulting from said violation associated with fraud or the sale of goods that are counterfeit or otherwise infringe on intellectual property rights, considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policyviolation, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal the balance in any your PayPal account you control; or • Charging the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll ’ll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services.

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account, immediately and without penalty to us; • Refuse to provide the PayPal services Services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal servicesServices) operated by us or on our behalf, your PayPal account or any of the PayPal servicesServices, including limiting your ability to pay or send payments money with any of the payment methods linked to your PayPal account, restricting your ability to send payments money or make withdrawals; • Hold your PayPal balance for up to 180 days if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's Buyer Protection program and/or PayPal's Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've violated our Acceptable Use Policy, then you're also responsible for damages to PayPal caused by your violation of this policy; or • If you are a seller and receive funds for transactions that violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 2,500.00 USD (or other currency equivalent) per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages - including, but not limited to, internal administrative costs incurred by PayPal to monitor and track violations, damage to PayPal’s brand and reputation, and penalties imposed upon PayPal by its business partners resulting from a user’s violation - considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services Services for any reason, we'll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third third-party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services.Services. You agree that PayPal is an intermediary and in addition to the Restricted Activities listed out above, you agree that you will not use the PayPal account or the PayPal Services to undertake any of the following actions or to display, upload, modify, publish, distribute, disseminate, transmit, update or share any information that: • belongs to another person to which you do not have any right; • is grossly harmful, harassing, blasphemous defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; • xxxxx minors in any way; • Infringes any intellectual property in any manner; • threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order, or causes incitement to the commission of any cognizable offence, or prevents the investigation of any offence or insults any other nation. • contains viruses, corrupted files, or any other similar software or programs that is designed to interrupt, destroy or that may limit the functionality of any computer source or that may damage or adversely affect the operation of another person's computer, its web-sites, any software or hardware, or telecommunications equipment; • interferes with or disrupts the account, PayPal Services or any of PayPal's other websites, servers, or networks; • impersonate any other person; • falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or the source of software or other material or deceive or mislead the addressee about the origin of any messages or communicate any information which is grossly offensive or menacing; forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through any web-sites; and engage in any illegal activities or breach laws or regulations;

Actions We May Take if You Engage in Any Restricted Activities. If we believe that you've ’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following: • Terminate this user agreement, limit your PayPal accountaccount (and any linked Cash Account), and/or close or suspend your PayPal accountaccount (and any linked Cash Account), immediately and without penalty to us; • Refuse to provide the PayPal services to you now and in the future; • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send payments money with any of the payment methods linked to your PayPal account, restricting your ability to send payments money or make withdrawals; • Hold the balance in your Cash Account, the balance in your business PayPal balance account, or any money waiting to be claimed through your personal PayPal account if you do not have a Cash Account linked to your personal PayPal account, for up to 180 days if reasonably needed to protect against the risk of liability to PayPal or a third party, or if you have violated our Acceptable Use Policy; • Suspend your eligibility for PayPal's Buyer ’s Purchase Protection program and/or PayPal's ’s Seller Protection program; • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions; • Update inaccurate information you provided us; • Take legal action against you; • Hold, apply or transfer the funds in your PayPal account as required by judgments and orders which affect you or your PayPal account, including judgments and orders issued by courts in Singapore or elsewhere and directed to PayPal or its affiliates; • If you've ’ve violated our Acceptable Use Policy, then you're ’re also responsible for damages to PayPal caused by your violation of this policy; or • If you are a seller and you violate the Acceptable Use Policy, then in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy. You acknowledge and agree that $2,500 USD (or equivalent) 2,500.00 U.S. dollars per violation of the Acceptable Use Policy is presently a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct such damages directly from any existing PayPal balance in any PayPal account you control. If we close your PayPal account or terminate your use of the PayPal services for any reason, we'll ’ll provide you with notice of our actions and make any unrestricted funds held in the balance of your Cash Account linked to your personal PayPal account or in the balance of your business PayPal account, or any money waiting to be claimed through your personal PayPal account if you do not have a Cash Account linked to your personal PayPal account, available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this user agreement, and/or your use of the PayPal services. Holds, Limitations, and Reserves What are holds, limitations and reserves‌ Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion. Holds‌ A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include: • New sellers or sellers who have limited selling activity. • Payments for higher-risk categories like electronics or tickets. • Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes. Holds based on PayPal’s risk decisions We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with state or federal regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). Holds related to Marketplace transactions If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third party directly. Holds based on disputed transactions If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account.