Common use of Adding funds to your balance Clause in Contracts

Adding funds to your balance. You may use the payment methods linked to your PayPal account to fund transactions you make using your PayPal account. You don't need a PayPal balance to buy something or send payments. You can add funds your PayPal account from the bank account that's linked to your PayPal account by requesting an electronic transfer to your PayPal account. The amount transferred will be held as a balance in your PayPal account. Credit cards cannot be used to add funds to your PayPal balance. Withdrawing funds from your balance If you have a PayPal balance, log into your PayPal account to see which of these withdrawal options are available in your country/region: • transferring it to a bank account linked to your PayPal account; or • transferring it to your debit or credit card, where available; or • requesting a physical cheque through the mail, where available. Depending on the country/region in which your account is registered, you may be able to withdraw your funds through a third party service provider. Please see terms of such third party for information regarding currency conversions. To protect us and our users from loss, we may delay a withdrawal in certain situations, including if we need to confirm that you have authorized the withdrawal or if other payments to your PayPal account have been subject to a reversal (for example, as a result of a chargeback, bank reversal or dispute by a buyer). If we place a limitation on your PayPal account, a payment is subject to a hold, or your account or an associated account has a negative balance in any currency while a withdrawal from your PayPal account is pending, you will have to reinitiate the withdrawal once the limitation or hold has been lifted, or the negative balance is fully paid off. We may set limits on your withdrawals, and you can view any withdrawal limit by logging into your PayPal account. Completing the following steps can help us verify your PayPal account, which may allow us to remove any withdrawal cap: • Verifying your bank account; and • Linking and confirming your credit card or debit card information. We may charge a fee to make a transfer to your bank account. If your debit card is eligible to receive withdrawals from your PayPal account, you will be provided the option to use it when you transfer funds out of your PayPal balance, subject to the fees applicable to such transfers that can be found on the Fees for Transferring Balance (for personal accounts) page and the Fees for Transferring Balance (for business accounts) page. The applicable fees will be disclosed to you in advance each time you initiate such a withdrawal. Generally, we will send physical cheques through the mail only to confirmed addresses, unless we have verified your PayPal account. We will not send cheques to post office boxes. If you would like us to send a cheque to an address that does not meet these criteria, you must contact customer service and provide the documentation that we request to verify your association with the address. If you fail to cash a cheque within 180 Days of the date of issuance, we will return the funds to your balance (minus a fee).

Adding funds to your balance. You may use the payment methods funding sources linked to your PayPal account to fund transactions you make using your PayPal account. You account and you don't n’t need to have a PayPal balance in advance to buy something or send payments. You can add funds your PayPal account from the bank account that's linked to your PayPal account by requesting an electronic transfer to your PayPal account. The amount transferred will be held as a balance in your PayPal account. Credit cards cannot be used However, if you want to add funds to your balance, you can receive an e-money from another PayPal balanceuser or, if you have personal account, obtain e-money from us by cash advance to one of our partners. Withdrawing funds from your balance If you have a PayPal balance, log into your PayPal account to see which of these withdrawal options are available in your country/region: • you may withdraw it by transferring it to a bank account linked to your PayPal account; . You may withdraw your PayPal balance in Rubles only. Any PayPal balance held in another currency will be converted at the time of your withdrawal. Our transaction exchange rate, including our currency conversion fee, will be used. If you have a business account and the amount of your balance exceeds 550,000 Rubles (or • transferring it other currency equivalent) at the end of a business day, we will initiate a transfer of the amount which exceeds the limit your exceeding balance to your debit or credit cardbank account. We will first use your balance in Rubles and then, where available; or • requesting a physical cheque through if needed, your balance in other currencies (in equal proportions from each balance in the mail, where available. Depending on the country/region in which your account is registered, you may be able to withdraw your funds through a third party service provider. Please see terms of such third party for information regarding currency conversionsforeign currency). To protect us and our users from loss, we may delay a withdrawal in certain situations, including if we need to confirm that you have authorized authorised the withdrawal or if other payments to your PayPal account have been subject to a reversal (for example, as a result of a chargeback, bank reversal or dispute by a buyer). If we place a limitation on your PayPal account, a payment is subject to a hold, or your account or an associated account has a negative balance in any currency while a withdrawal from your PayPal account is pending, you will have to reinitiate the withdrawal once the limitation or hold has been lifted, or the negative balance is fully paid off. We may set limits on your withdrawals, and you can view any withdrawal limit by logging into your PayPal account. Completing the following steps can help us verify your PayPal We will not account, which may allow us to remove any withdrawal cap: • Verifying your bank account; and • Linking and confirming your credit card or debit card information. We may will not charge a fee to make a transfer to your bank account. How we convert currency‌ If your debit card is eligible to receive withdrawals from your PayPal accountconverts currency, you it will be provided completed at the option transaction exchange rate we set for the relevant currency exchange. The transaction exchange rate is adjusted regularly and includes a currency conversion fee applied and retained by us on a base exchange rate to use it when you transfer funds out form the rate applicable to your conversion. The base exchange rate is based on rates within the wholesale currency markets on the conversion day or the prior Business Day; or, if required by law or regulation, set at the relevant government reference rate(s). For some uses of your PayPal balanceaccounts, subject to the fees PayPal may determine currency conversion is necessary. The currency conversion fee applicable to such transfers that can be found on our Fees page under the Fees heading currency conversion fees. Currency conversion choices When your payment is funded by a credit card, or debit card and PayPal determines a currency conversion is necessary, you consent to and authorise PayPal to convert the currency in place of your debit or credit card issuer. You may have the right to have your card issuer perform the currency conversion, for Transferring Balance (for personal accounts) page that card issuer and the Fees for Transferring Balance (for business accounts) pagenetwork. The applicable fees will Currency preference selections may be disclosed presented to you in advance various forms, including a choice of which currency is used for the transaction, whether PayPal or your card issuer performs the conversion, or which conversion rate is used for the transaction, among others, and may be made available individually for each time card and for each automatic payment agreement. If your card issuer converts the currency, your card issuer will determine the currency conversion rate and what fees they may charge. PayPal will always perform the conversion for transactions where your PayPal balance or linked bank account is used as the funding source. Account Statements You have the right to receive an account statement showing your PayPal account activity. You may view your PayPal account statement by logging into your PayPal account. Sending Funds to or Receiving Funds From a Friend or Family Member‌‌ Sending funds You can send funds to a friend or family member using the send money feature in your PayPal account (sometimes called “personal payments” or “peer-to-peer/P2P payments”). You can send funds to a friend or family member and you initiate such can choose which funding source you want to use. Receiving funds from a withdrawalfriend or family member is described under Receiving Funds. GenerallyThe total amount of e-money transfers made by you to recipients located outside Russia may not exceed 5,000 U.S. Dollars (or other currency equivalent) per day. We may, we will at our discretion and in line with the regulatory obligations, impose limits on the amount of funds you can send, including funds you send physical cheques through the mail only to confirmed addresses, unless we have verified for purchases. You can view any sending limit by logging into your PayPal account. We will not may increase your sending limits if you complete the same steps to verify your information as is required for the removal of limits. When you send cheques funds to post office boxesa friend or family member, one of three things may happen: they may accept, decline or fail to claim the funds. If they either decline to accept the funds or don’t claim it within 30 days of the date it is sent, the funds (including any fees you would like were charged) will be refunded to: • The original funding source you used for the transaction, if you used a credit card or debit card as the funding source, or • Your PayPal balance, if you used your PayPal balance as the funding source. We may allow you to provide your payment instruction to us in any way which we may notify to you from time to time. The way in which you provide your payment instruction can depend on the type of payment you are making – for example: • If you are paying for a purchase or making a donation, many sellers and/or fund collectors allow you to provide your payment instruction to us in a dedicated PayPal checkout or other PayPal payment collection integration on their site. • You can use the “Send Money” feature when you log into your PayPal account to send a cheque payment to an address that does not meet these criteria, someone. We may require you must contact customer service and provide the documentation to authenticate your instructions (i.e. give us information that we request need to verify be sure that it’s you giving us the instructions. Your payment becomes final and irrevocable once we accept and execute your association with payment instruction. We will immediately notify you that your payment instruction is received, delayed, cancelled, accepted and executed via account profile and by email. Receiving funds If a friend or family member sends funds to you, the addressfunds will appear in your PayPal balance. To receive funds in a currency your account is not currently configured to accept, it may be necessary to create a balance in that currency or convert the funds into another currency. Certain currencies can only be received by converting the funds into another currency that PayPal allows you to hold. If you fail to cash a cheque within 180 Days of the date of issuance, we will return the funds to your balance are converted, PayPal’s transaction exchange rate (minus a including our currency conversion fee)) will be used.