Common use of Receiving Payments Clause in Contracts

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. Or, as applicable, if another person wants to send you a gift card using the Service, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Service and makes available the purchase of gift cards through the Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive gift cards or Popmoney Requests Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate the deposit you or publish from time to time (which we may set out in your account overview). Checkout solution Our checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account. • Our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the payment of funds into your Eligible Transaction Accountcheckout solution. You authorize If we offer you the Sendercheckout solution and you choose to use it, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) in addition to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiverthis user agreement, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred following further terms relating to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.following capabilities:

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate the deposit you or publish from time to time (which we may set out in your account overview). Checkout solution Our checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account; and • Our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the payment of funds into your Eligible Transaction Accountcheckout solution. You authorize If we offer you the Sendercheckout solution and you choose to use it, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) in addition to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiverthis user agreement, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred following further terms relating to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.following capabilities:

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate you or publish from time to time (which we may set out in your account overview). Checkout solution included in the deposit PayPal Commerce Platform The PayPal Commerce Platform includes our checkout solution. The checkout solution consists of: • our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account; and o Fraud Protection. We may offer you all, any part or any combination of parts of the payment of funds into your Eligible Transaction Accountcheckout solution. You authorize If we offer you the Sendercheckout solution and you choose to use it, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) in addition to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiverthis user agreement, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount following further terms relating to the following capabilities: • the PayPal Alternative Payment Methods Agreement, when you use our APM functionality as part of funds improperly transferred to you. If applicablethe checkout solution; and • the PayPal Online Card Payment Services Agreement, if when you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.use:

Receiving Payments. If f another person wants to initiate a Payment Instruction (including in response to a Popmoney People Pay Request, if applicable) using the Popmoney People Pay Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney People Pay Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney WebsitePeople Pay Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests People Pay Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney People Pay Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney People Pay Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney People Pay Request may not receive, or otherwise may reject or ignore, your Popmoney People Pay Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney People Pay Request.

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate the deposit you or publish from time to time (which we may set out in your account overview). New checkout solution Our new checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account. • Our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the payment new checkout solution as our new checkout solution service. If we offer you the new checkout solution and you choose to use it, in addition to this user agreement, you agree to the following further terms relating to the following capabilities: • The PayPal Alternative Payment Methods Agreement, when you use our APM functionality as part of funds into your Eligible Transaction Accountthe new checkout solution. You authorize Rules about surcharging PayPal does not encourage surcharging because it is a commercial practice that can penalize the Senderconsumer and create unnecessary confusion, friction and abandonment at checkout. Otherwise you may only surcharge for the financial institution which holds use of the Sender's Eligible Transaction Account and us (including through the Site) to send emails PayPal services in compliance with any law applicable to you and text messages to your mobile phone not in connection with excess of the Sender's initiation surcharges that you apply for the use of Payment Instructions to other payment methods. If you surcharge a buyer, you, andand not we, as a Receiver, you may also receive Popmoney Requests from others through will inform the Service. You acknowledge and agree that in buyer of the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Requestrequested charge. We do are not guarantee that liable to any buyer where you will receive any payments from individuals by initiating a Popmoney Request.have failed to inform the buyer of any

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate you or publish from time to time (which we may set out in your account overview). Checkout solution included in the deposit PayPal Commerce Platform The PayPal Commerce Platform includes our checkout solution. The checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account. • Fraud Protection. We may offer you all, any part or any combination of parts of the payment of funds into your Eligible Transaction Accountcheckout solution. You authorize If we offer you the Sendercheckout solution and you choose to use it, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) in addition to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiverthis user agreement, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount following further terms relating to the following capabilities: • The PayPal Alternative Payment Methods Agreement, when you use our LPM functionality as part of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Requestcheckout solution.

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate you or publish from time to time (which we may set out in your account overview). Checkout solution included in the deposit PayPal Commerce Platform The PayPal Commerce Platform includes our checkout solution. The checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account; and • Fraud Protection. We may offer you all, any part or any combination of parts of the payment of funds into your Eligible Transaction Accountcheckout solution. You authorize If we offer you the Sendercheckout solution and you choose to use it, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) in addition to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiverthis user agreement, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred following further terms relating to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.following capabilities:

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate you or publish from time to time (which we may set out in your account overview). Checkout solution included in the deposit PayPal Commerce Platform The PayPal Commerce Platform includes our checkout solution. The checkout solution consists of: Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account; and • Fraud Protection. We may offer you all, any part or any combination of parts of the payment checkout solution. If we offer you the checkout solution and you choose to use it, in addition to this user agreement, you agree to the following further terms relating to the following capabilities: • When you use our APM functionality as part of funds into your Eligible Transaction Accountthe checkout solution, the PayPal Alternative Payment Methods Agreement; and • When you use: o Our Advanced Credit and Debit Card Payments service as part of the checkout solution; and o Fraud Protection as part of the checkout solution Our Fees for using the checkout solution apply. Rules about surcharging PayPal does not encourage surcharging because it is a commercial practice that can penalize the consumer and create unnecessary confusion, friction and abandonment at checkout. You authorize shall not surcharge for the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation use of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Requestservices.

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate the deposit you or publish from time to time (which we may set out in your account overview). Checkout solution Our checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account. • Our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the payment of funds into your Eligible Transaction Accountnew checkout solution as our new checkout solution service. You authorize If we offer you the Sendernew checkout solution and you choose to use it, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) in addition to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiverthis user agreement, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred following further terms relating to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.following capabilities:

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate the deposit you or publish from time to time (which we may set out in your account overview). Checkout solution Our checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account and bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account. • Our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the payment of funds into your Eligible Transaction Accountnew checkout solution as our new checkout solution service. You authorize If we offer you the Sendernew checkout solution and you choose to use it, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) in addition to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiverthis user agreement, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount following further terms relating to the following capabilities: • The PayPal Alternative Payment Methods Agreement, when you use our APM functionality as part of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Requestnew checkout solution.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. Or, as applicable, if another person wants to send you a gift card using the Popmoney Service, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service and makes available the purchase of gift cards through the Popmoney Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive gift cards or Popmoney Requests Requests, each as applicable, from others through the Popmoney Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the senderSender, because there were not sufficient funds in the senderSender's account, or for any other reason, then you hereby authorize us or our Popmoney Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Popmoney Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate the deposit you or publish from time to time (which we may set out in your account overview). New checkout solution Our new checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account. • Our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the payment of funds into your Eligible Transaction Accountcheckout solution. You authorize If we offer you the Sendercheckout solution and you choose to use it, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) in addition to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiverthis user agreement, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred following further terms relating to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.following capabilities:

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, you will inform the buyer of the exchange rate and any charges that will be applied to the payment transaction. PayPal has no liability to any buyer if you fail to inform the buyer of the exchange rate and charges. You acknowledge that if you fail to disclose the exchange rate and charges to the buyer this may constitute a criminal offence by you. Any payment sent to you may be subject to a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to you or publish from time to time (which we may set out in your account overview). New checkout solution Our new checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account; and • Our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the new checkout solution as our new checkout solution service. If we offer you the new checkout solution and you choose to use it, in addition to this user agreement, you agree to the following further terms relating to the following capabilities: • The PayPal Alternative Payment Methods Agreement, when you use our APM functionality as part of the new checkout solution; and • The PayPal Online Card Payment Services Agreement, when you use: o Our Advanced Credit and Debit Card Payments service as part of the new checkout solution bundle; and o Our Fraud Protection as part of the new checkout solution. Our Fees for using the new checkout solution apply. Rules about surcharging PayPal does not encourage surcharging because it is a commercial practice that can penalize the consumer and create unnecessary confusion, friction and abandonment at checkout. You may only surcharge for the use of our services in compliance with any law applicable to you and not in excess of the surcharges that you apply for the use of other payment methods. If you surcharge a buyer, you, and not we, will inform the buyer of the requested charge. We are not liable to any buyer where you have failed to inform the buyer of any surcharge. You acknowledge that you could be committing a criminal offence if you surcharge and/or fail to disclose any form of surcharge to a buyer. Presentation of PayPal Use reasonable endeavors to treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, wherever PayPal’s branded services are integrated, including your websites or mobile applications. This includes at least equal or better: • Logo placement, • Position within any point of sale, • Treatment of PayPal’s services or marks in terms of: o Payment flow, o Terms, o Conditions, o Restrictions, o Fees, o Prominence; and o Sequence of presentation to your customers, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications: • Do not mischaracterize any PayPal service as a payment method; and • Use reasonable endeavors to not exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, use reasonable endeavors to: • Not dissuade or inhibit your customers from using PayPal; and • Not encourage your customers to use an alternate payment method. If you enable your customers to pay you with PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications), use reasonable endeavors to display the PayPal services payment marks at least as prominently, and in at least as positive a manner, as you do for all other payment methods. Without limiting any other rights we have, we may withdraw any discounts on our fees and instead we may charge you our full standard rates if: • You fail to fully achieve the absolute objectives set out in this “Presentation of PayPal” section; or • You apply a surcharge for the use of any PayPal service. Taxes and information reporting It is your responsibility to determine what, if applicable) using any, taxes apply to the Popmoney Service payments you make or receive, and it is solely your responsibility to an Eligible Transaction Account you hold orassess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. Your refund policy and privacy policy You must publish a refunds and return policy, as applicable, if you well as a Requestor want privacy policy. Marketplace sellers If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to initiate the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a Popmoney Requestclaim under the terms of the marketplace’s own resolution process (which we call marketplace due amounts). If you give such an authorization and the marketplace notifies us of the claim, he, she you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to that marketplace or you can do to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that from the Site or from an Eligible Transaction Account at claim would have been determined in your favor had it been filed as a financial institution that participates in the Popmoney Service or at the Popmoney Websiteclaim with us. You understand can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. Accepting billing agreement payments If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and agree consented to by the payer whose account will be deducted (including changes to those amounts) and that there may be a delay between the time you are notified will give prior notice of the pending Payment Instruction deduction to the payer; and • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the deposit circumstances of the payment funds into your Eligible Transaction Account, and that you may be required are liable to take additional steps to facilitate the deposit us for any refunds of the that payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection accordance with the Sender's initiation terms of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Requestthis user agreement.

Receiving Payments. You also authorize us to credit your Eligible Transaction Account, without any further approval by you, for (i) the receipt of payments, whether initiated by you through a Payment Request or at the request of a Sender sending money to you through a Payment Instruction and (ii) those payments returned to us from Receivers to whom you attempted to send payment(s) when those payments are cancelled or are returned to you because the processing of the Payment Instruction could not be completed, in each case whether you accept the payment or not. All transfers of money to you shall be performed by a Network Institution per the direction of that Sender and at all times be subject to the terms and conditions of the relevant agreements between that Network Institution and the Sender, including without limitation any restrictions or prohibitions on permissible transactions. A Payment Instruction to you, as the Receiver, may only be cancelled in accordance with Section 9 (Payment Cancellation, Stop Payment Requests and Unaccepted Payments). You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you or are otherwise not entitled to the payment. If another person User wants to initiate a Payment Instruction (including in response to a Popmoney RequestPayment Request from you, if applicable) using the Popmoney Zelle Service to an your Eligible Transaction Account you hold or, as applicable, or if you as a Requestor want to initiate a Popmoney RequestPayment Request to another User, he, she such User or you can do that so from the Site or Site, from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service another Network Institution or at a Zelle Standalone Location. Receipt of payments made through the Popmoney WebsiteServices may be made through the Site. In some instances, receipt of payments may be made through other locations, such as Zelle Standalone Locations. If you choose to receive a payment at a Zelle Standalone Location, those payments shall be subject to the terms of other agreements, including, but not limited to, the "terms of use" for the Zelle Standalone Locations and applicable laws and regulations, in each case as in effect from time to time. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment. For the Zelle Service, most transfers of money to you from other Users will occur within minutes. There may be other circumstances when the payment may take longer for the reasons and in accordance with the provisions outlined in Section 6 (Sending Payments). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone such as if we have questions regarding possible fraud in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Servicepayment. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the senderSender, because it was a prohibited payment as set forth in Section 21 (Prohibited Payments) or in any agreement between the Sender and his/her financial institution, there were not sufficient funds in the sender's account, Sender’s Eligible Transaction Account or for any other reason, then you hereby authorize us or our Service Provider to withdraw from debit your Eligible Transaction Account an amount equal to the amount of the funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney People Pay Request, if applicable) using the Popmoney People Pay Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney People Pay Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney WebsitePeople Pay Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests People Pay Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney People Pay Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney People Pay Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney People Pay Request may not receive, or otherwise may reject or ignore, your Popmoney People Pay Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney People Pay Request.

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate you or publish from time to time (which we may set out in your account overview). New checkout solution included in the deposit PayPal Commerce Platform The PayPal Commerce Platform includes our new checkout solution. The checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account. • Fraud Protection. We may offer you all, any part or any combination of parts of the payment of funds into your Eligible Transaction Accountcheckout solution. You authorize If we offer you the Sendercheckout solution and you choose to use it, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) in addition to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiverthis user agreement, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount following further terms relating to the following capabilities: • The PayPal Alternative Payment Methods Agreement, when you use our LPM functionality as part of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Requestcheckout solution.

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate you or publish from time to time (which we may set out in your account overview). New checkout solution included in the deposit PayPal Commerce Platform The PayPal Commerce Platform includes our new checkout solution. The new checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account. • Our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the payment of funds into your Eligible Transaction Accountcheckout solution. You authorize If we offer you the Sendercheckout solution and you choose to use it, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) in addition to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiverthis user agreement, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount following further terms relating to the following capabilities: • The PayPal Alternative Payment Methods Agreement, when you use our APM functionality as part of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Requestcheckout solution.

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate the deposit you or publish from time to time (which we may set out in your account overview). New checkout solution Our new checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account. • Our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the payment of funds into your Eligible Transaction Accountnew checkout solution as our new checkout solution service. You authorize If we offer you the Sendernew checkout solution and you choose to use it, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) in addition to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiverthis user agreement, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred following further terms relating to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.following capabilities:

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate the deposit you or publish from time to time (which we may set out in your account overview). Checkout solution Our checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account; and • Our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the payment of funds into your Eligible Transaction Accountnew checkout solution as our new checkout solution service. You authorize If we offer you the Sendernew checkout solution and you choose to use it, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) in addition to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiverthis user agreement, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount following further terms relating to the following capabilities: • The PayPal Alternative Payment Methods Agreement, when you use our APM functionality as part of funds improperly transferred to you. If applicablethe new checkout solution; and • The PayPal Online Card Payment Services Agreement, if when you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.use:

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. Or, as applicable, if another person wants to send you a gift card using the Service, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Service and makes available the purchase of gift cards through the Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive gift cards or Popmoney Requests Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by the you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, you will inform the buyer of the exchange rate and any charges that will be applied to the payment transaction. PayPal has no liability to any buyer if you fail to inform the buyer of the exchange rate and charges. You acknowledge that if you fail to disclose the exchange rate and charges to the buyer this may constitute a criminal offence by you. Any payment sent to you may be subject to a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to you or publish from time to time (which we may set out in your account overview). Checkout solution included in the PayPal Commerce Platform The PayPal Commerce Platform includes our checkout solution. The checkout solution consists of: • our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account; and • Fraud Protection. We may offer you all, any part or any combination of parts of the checkout solution. If we offer you the checkout solution and you choose to use it, in addition to this user agreement, you agree to the following further terms relating to the following capabilities: • the PayPal Alternative Payment Methods Agreement, when you use our APM functionality as part of the checkout solution; and • the PayPal Online Card Payment Services Agreement, when you use: o our Advanced Credit and Debit Card Payments as part of the new checkout solution; and o Fraud Protection as part of the checkout solution. Our Fees for using the checkout solution apply. Rules about surcharging PayPal does not encourage surcharging because it is a commercial practice that can penalise the consumer and create unnecessary confusion, friction and abandonment at checkout. You may only surcharge for the use of our services in compliance with any law applicable to you and not in excess of the surcharges that you apply for the use of other payment methods. If you surcharge a buyer, you, and not we, will inform the buyer of the requested charge. We are not liable to any buyer where you have failed to inform the buyer of any surcharge. You acknowledge that you could be committing a criminal offence if you surcharge and/or fail to disclose any form of surcharge to a buyer. Presentation of PayPal You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • logo placement, • position within any point of sale, • treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterise PayPal as a payment method or exhibit a preference for other payment methods over PayPal. Taxes and information reporting It is your responsibility to determine what, if applicable) using any, taxes apply to the Popmoney Service payments you make or receive, and it is solely your responsibility to an Eligible Transaction Account you hold orassess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. Your refund policy and privacy policy You must publish a refunds and return policy, as applicable, if you well as a Requestor want privacy policy. In-store payments and QR code transactions If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Websitecustomer before it takes place. You understand and may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that there may be a delay between the time any transaction that you are notified make shall have an accurate and true description of the pending Payment Instruction goods and the deposit services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of the accepting payment funds into your Eligible Transaction Account, for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. Marketplace sellers If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take additional steps certain actions and may impact how claims are processed. We may allow you to facilitate authorise certain marketplaces to use your account to pay amounts you owe to the deposit marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace a notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of funds into any given marketplace due amount as cancelled if we decide that the claim would have been determined in your Eligible Transaction Accountfavour had it been filed as a claim with us. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection can also cancel this instruction by contacting us. All claims filed directly with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds marketplace are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized governed by the sender, because there were marketplace policy only. The terms of the PayPal Seller Protection do not sufficient funds in cover you for claims filed by your buyers directly with the sender's account, or for any other reason, then marketplace. Accepting billing agreement payments If we allow you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from accept payments received by you from a Sender(s)payer under a billing agreement, and (b) no service fee will be charged if when you as the Requestor do not receive any payments from the individuals present to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree us a payment request under that individuals to whom you send a Popmoney Request may not receivebilling agreement, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.you:

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate you or publish from time to time (which we may set out in your account overview). Checkout solution included in the deposit PayPal Commerce Platform The PayPal Commerce Platform includes our checkout solution. The checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account. • Fraud Protection. We may offer you all, any part or any combination of parts of the payment checkout solution. If we offer you the checkout solution and you choose to use it, in addition to this user agreement, you agree to the following further terms relating to the following capabilities: • When you use our APM functionality as part of funds into your Eligible Transaction Account. You authorize the Sendercheckout solution, the financial institution which holds PayPal Alternative Payment Methods Agreement. • When you use: o Our Advanced Credit and Debit Card Payments service as part of the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Requestcheckout solution.

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, you will inform the buyer of the exchange rate and any charges that will be applied to the payment transaction. PayPal has no liability to any buyer if you fail to inform the buyer of the exchange rate and charges. You acknowledge that if you fail to disclose the exchange rate and charges to the buyer this may constitute a criminal offence by you. Any payment sent to you may be subject to a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to you or publish from time to time (which we may set out in your account overview). New checkout solution Our new checkout solution consists of: • our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account; and • our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the new checkout solution as our new checkout solution service. If we offer you the new checkout solution and you choose to use it, in addition to this user agreement, you agree to the following further terms relating to the following capabilities: • the PayPal Alternative Payment Methods Agreement, when you use our APM functionality as part of the new checkout solution; and • the PayPal Online Card Payment Services Agreement, when you use: o our Custom Card Fields service as part of the new checkout solution bundle; and o our supporting Fraud Tool (otherwise called the Custom Card Fields Fraud Management Filters functionality or Fraud Tool in that agreement) as part of the new checkout solution. Fees which may be set out in the PayPal Alternative Payment Methods Agreement and the PayPal Online Card Payment Services Agreement do not apply to your use of the new checkout solution. Instead, our our special Fees for using the new checkout solution apply.” Rules about surcharging PayPal does not encourage surcharging because it is a commercial practice that can penalise the consumer and create unnecessary confusion, friction and abandonment at checkout. You may only surcharge for the use of our services in compliance with any law applicable to you and not in excess of the surcharges that you apply for the use of other payment methods. If you surcharge a buyer, you, and not we, will inform the buyer of the requested charge. We are not liable to any buyer where you have failed to inform the buyer of any surcharge. You acknowledge that you could be committing a criminal offence if you surcharge and/or fail to disclose any form of surcharge to a buyer. Presentation of PayPal You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • logo placement, • position within any point of sale, • treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterise PayPal as a payment method or exhibit a preference for other payment methods over PayPal. Taxes and information reporting It is your responsibility to determine what, if applicable) using any, taxes apply to the Popmoney Service payments you make or receive, and it is solely your responsibility to an Eligible Transaction Account you hold orassess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. Your refund policy and privacy policy You must publish a refunds and return policy, as applicable, if you well as a Requestor want privacy policy. Marketplace sellers If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to initiate the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a Popmoney Requestclaim under the terms of the marketplace’s own resolution process (“Marketplace Due Amounts”). If you give such an authorisation and the marketplace notifies us of the claim, he, she you instruct us to process payments of all and any Marketplace Due Amounts relating to that claim from your PayPal account to that marketplace or you can do to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given Marketplace Due Amount as cancelled if we decide that from the Site or from an Eligible Transaction Account at claim would have been determined in your favour had it been filed as a financial institution that participates in the Popmoney Service or at the Popmoney Websiteclaim with us. You understand can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of the PayPal Seller Protection Programme do not cover you for claims filed by your buyers directly with the marketplace. Accepting billing agreement payments If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer; and • agree that there may be a delay between you will notify the time you are notified payer at least 4 weeks in advance of the pending Payment Instruction amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the deposit circumstances of the payment funds into your Eligible Transaction Accountand that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement. Refunds and reversals of payments When you receive a payment, and it could be refunded or reversed. We may allow you may be required to take additional steps send to facilitate the deposit payer a refund of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Requestpayment. We do not guarantee that you will receive any payments from individuals by initiating may carry out a Popmoney Requestreversal of your payment in certain circumstances. See the rest of this section for more details.

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate the deposit you or publish from time to time (which we may set out in your account overview). Checkout solution Our checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account. • Our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the payment of funds into your Eligible Transaction Accountnew checkout solution as our new checkout solution service. You authorize If we offer you the Sendernew checkout solution service and you choose to use it, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) in addition to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiverthis user agreement, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount following further terms relating to the following capabilities: • When you use our APM functionality as part of funds improperly transferred to you. If applicablethe new checkout solution, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.the

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.and

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate you or publish from time to time (which we may set out in your account overview). New checkout solution included in the deposit PayPal Commerce Platform The PayPal Commerce Platform includes our new checkout solution. The checkout solution consists of: • our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account; and o Fraud Protection. We may offer you all, any part or any combination of parts of the payment of funds into your Eligible Transaction Accountcheckout solution. You authorize If we offer you the Sendercheckout solution and you choose to use it, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) in addition to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiverthis user agreement, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount following further terms relating to the following capabilities: • the PayPal Alternative Payment Methods Agreement, when you use our APM functionality as part of funds improperly transferred to you. If applicablethe checkout solution; and • the PayPal Online Card Payment Services Agreement, if when you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.use:

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate the deposit you or publish from time to time (which we may set out in your account overview). New checkout solution Our new checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account. • Our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the payment of funds into your Eligible Transaction Accountnew checkout solution as our new checkout solution service. You authorize If we offer you the Sendernew checkout solution service and you choose to use it, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) in addition to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiverthis user agreement, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount following further terms relating to the following capabilities: • When you use our APM functionality as part of funds improperly transferred to you. If applicablethe new checkout solution, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.the

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, you will inform the buyer of the exchange rate and any charges that will be applied to the payment transaction. PayPal has no liability to any buyer if you fail to inform the buyer of the exchange rate and charges. You acknowledge that if you fail to disclose the exchange rate and charges to the buyer this may constitute a criminal offence by you. Any payment sent to you may be subject to a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to you or publish from time to time (which we may set out in your account overview). New checkout solution included in the PayPal Commerce Platform The PayPal Commerce Platform includes our new checkout solution. The checkout solution consists of: • our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account; and • Fraud Protection. We may offer you all, any part or any combination of parts of the checkout solution. If we offer you the checkout solution and you choose to use it, in addition to this user agreement, you agree to the following further terms relating to the following capabilities: • the PayPal Alternative Payment Methods Agreement, when you use our APM functionality as part of the checkout solution; and • the PayPal Online Card Payment Services Agreement, when you use: o our Advanced Credit and Debit Card Payments as part of the new checkout solution; and o Fraud Protection as part of the checkout solution. Our Fees for using the checkout solution apply. Rules about surcharging PayPal does not encourage surcharging because it is a commercial practice that can penalise the consumer and create unnecessary confusion, friction and abandonment at checkout. You may only surcharge for the use of our services in compliance with any law applicable to you and not in excess of the surcharges that you apply for the use of other payment methods. If you surcharge a buyer, you, and not we, will inform the buyer of the requested charge. We are not liable to any buyer where you have failed to inform the buyer of any surcharge. You acknowledge that you could be committing a criminal offence if you surcharge and/or fail to disclose any form of surcharge to a buyer. Presentation of PayPal You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • logo placement, • position within any point of sale, • treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterise PayPal as a payment method or exhibit a preference for other payment methods over PayPal. Taxes and information reporting It is your responsibility to determine what, if applicable) using any, taxes apply to the Popmoney Service payments you make or receive, and it is solely your responsibility to an Eligible Transaction Account you hold orassess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. Your refund policy and privacy policy You must publish a refunds and return policy, as applicable, if you well as a Requestor want privacy policy. In-store payments and QR code transactions If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Websitecustomer before it takes place. You understand and may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that there may be a delay between the time any transaction that you are notified make shall have an accurate and true description of the pending Payment Instruction goods and the deposit services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of the accepting payment funds into your Eligible Transaction Account, for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. Marketplace sellers If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take additional steps certain actions and may impact how claims are processed. We may allow you to facilitate authorise certain marketplaces to use your account to pay amounts you owe to the deposit marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace a notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of funds into any given marketplace due amount as cancelled if we decide that the claim would have been determined in your Eligible Transaction Accountfavour had it been filed as a claim with us. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection can also cancel this instruction by contacting us. All claims filed directly with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds marketplace are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized governed by the sender, because there were marketplace policy only. The terms of the PayPal Seller Protection do not sufficient funds in cover you for claims filed by your buyers directly with the sender's account, or for any other reason, then marketplace. Accepting billing agreement payments If we allow you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from accept payments received by you from a Sender(s)payer under a billing agreement, and (b) no service fee will be charged if when you as the Requestor do not receive any payments from the individuals present to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree us a payment request under that individuals to whom you send a Popmoney Request may not receivebilling agreement, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.you:

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. Or, as applicable, if another person wants to send you a gift card using the Service, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Service and makes available the purchase of gift cards through the Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's ’s Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's ’s initiation of Payment Instructions to you, and, as a Receiver, you may also receive gift cards or Popmoney Requests Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's ’s account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Popmoney Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Popmoney Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. Or, as applicable, if another person wants to send you a gift card using the Service, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Service and makes available the purchase of gift cards through the Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive gift cards or Popmoney Requests Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request. Payment Methods and Amounts. There are limits on the amount of money or gift card value you can send or receive through our Service. Your limits may be adjusted from time-to-time at our sole discretion. You may log in to the Site to view your individual transaction limits. We also reserve the right to select the method in which to remit funds on your behalf, and the method to return funds to you in the event that your Eligible Transaction Account is closed or otherwise unavailable to us. These payment methods may include, but may not be limited to, an electronic or paper check payment. Payment Cancellation, Stop Payment Requests and Refused Payments. Sender may cancel the initiation of a Payment Instruction or stop a Payment Instruction at any time until the processing of the Payment Instruction into the Receiver's Eligible Transaction Account has begun. Our ability to stop a Payment Instruction or recover funds associated with an unauthorized Payment Instruction will depend on the manner in which the Payment Instruction was initiated, and whether the Payment Instruction to the Receiver's Eligible Transaction Account has begun processing. Although we will make a reasonable effort to accommodate a stop payment request and to recover funds associated with an unauthorized Payment Instruction, we will have no liability for failing to do so. We may also require you to present your stop payment request or request to recover funds in writing within fourteen (14) days after contacting customer care. The charge for each stop payment or fund recovery request will be the current charge for such stop payment or funds recovery service as set out in the applicable fee schedule or as disclosed through the Site. Payments not claimed by a Receiver will be automatically cancelled ten (10) days after the processing of the payment begins. When a Sender initiates a Payment Instruction, the Receiver is not required to accept the payment. You agree that you as a Sender will not hold us liable for any damages resulting from a Receiver's decision to accept or not to accept a Payment Instruction initiated or attempted through the Service. We will, to the extent permitted by law, make reasonable attempts to return any unclaimed, refused, refunded, prohibited, or denied payment to your Eligible Transaction Account or use other reasonable efforts to return such payment to you as permitted by law. Your Liability For Unauthorized Transfers. Immediately following your discovery of an unauthorized Payment Instruction, you shall communicate with customer care for the Service in the manner set forth in section 7, above. You acknowledge and agree that time is of the essence such situations. If you tell us within two (2) Business Days after you discover your password or other means to access your account through which you access the Service has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your monthly financial institution statement contains payments that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may in our sole discretion extend the period. Mobile Phone Users. Your phone service provider is not the provider of the Service. Users of the Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, and you are responsible for any such charges. In the event your enrolled mobile device is lost or stolen, you agree to update your enrollment information and make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and that in the event of theft or loss, your confidential information could be compromised. If you have questions about mobile service, you may send a text message with the word "HELP" to this number: 767666. To stop receiving text messages on your mobile phone, text "STOP" to this number: 767666.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. Or, as applicable, if another person wants to send you a gift card using the Service, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Service and makes available the purchase of gift cards through the Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive gift cards or Popmoney Requests Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request. payment to your Eligible Transaction Account or use other reasonable efforts to return such payment to you as permitted by law.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor Requester want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. Or, as applicable, if another person wants to send you a gift card using the Service, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Service and makes available the purchase of gift cards through the Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive gift cards or Popmoney Requests Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor Requester initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor Requester do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Popmoney® Request, if applicable) using the Popmoney Popmoney® Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Popmoney® Request, he, she she, or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Popmoney® Service or at the Popmoney Popmoney® Website. Or, as applicable, if another person wants to send you a gift card using the Popmoney® Service, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Popmoney® Service and makes available the purchase of gift cards through the Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests gift cards or Popmoney® Requests, each as applicable, from others through the Popmoney® Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Popmoney® Request using the Popmoney® Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Popmoney® Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Popmoney® Request may not receive, or otherwise may reject or ignore, your Popmoney Popmoney® Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Popmoney® Request. 3.5. Payment Cancellation, Stop Payment Requests, and Refused Payments. Sender may cancel the initiation of a Payment Instruction or stop a Payment Instruction at any time until the processing of the Payment Instruction into the Receiver’s Eligible Transaction Account has begun. Our ability to stop a Payment Instruction or recover funds associated with an unauthorized Payment Instruction will depend on the manner in which the Payment Instruction was initiated, and whether the Payment Instruction to the Receiver’s Eligible Transaction Account has begun processing. Although we will make a reasonable effort to accommodate a stop payment request and to recover funds associated with an unauthorized Payment Instruction, we will have no liability for failing to do so. We may also require you to present your stop payment request or request to recover funds in writing within fourteen (14) days after contacting customer care. The charge for each stop payment or fund recovery request will be the current charge for such stop payment or funds recovery service as set out in the applicable fee schedule or as disclosed through the Site. Payments not claimed by a Receiver will be automatically cancelled ten (10) days after the processing of the payment begins. When a Sender initiates a Payment Instruction, the Receiver is not required to accept the payment. You agree that you as a Sender will not hold us liable for any damages resulting from a Receiver’s decision to accept or not to accept a Payment Instruction initiated or attempted through the Popmoney® Service. We will, to the extent permitted by law, make reasonable attempts to return any unclaimed, refused, refunded, prohibited, or denied payment to your Eligible Transaction Account or use other reasonable efforts to return such payment to you as permitted by law. 3.6.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.. 5. Payment Cancellation, Stop Payment Requests and Refused Payments. Sender may cancel the initiation of a Payment Instruction or stop a Payment Instruction at any time until the processing of the Payment Instruction into the Receiver’s Eligible Transaction Account has begun. Popmoney Instant Payments Payment Instructions may not be cancelled as the Payment Instructions will be processed immediately. Our ability to stop a Payment Instruction or recover funds associated with an unauthorized Payment Instruction will depend on the manner in which the Payment Instruction was initiated, and whether the Payment Instruction to the Receiver’s Eligible Transaction Account has begun processing. Although we will make a reasonable effort to accommodate a stop payment request and to recover funds associated with an unauthorized Payment Instruction, we will have no liability for failing to do so. We may also require you to present your stop payment request or request to recover funds in writing within fourteen (14) days after contacting customer care. If we charge you to stop the payment or recover funds, then the charge for each stop payment or fund recovery request will be the current charge as set out in our current fee schedule. Payments not claimed by a Receiver will be automatically cancelled ten (10) days after the processing of the payment begins. When a Sender initiates a Payment Instruction, the Receiver is not required to accept the payment. You agree that you as a Sender will not hold us

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, you will inform the buyer of the exchange rate and any charges that will be applied to the payment transaction. PayPal has no liability to any buyer if you fail to inform the buyer of the exchange rate and charges. You acknowledge that if you fail to disclose the exchange rate and charges to the buyer this may constitute a criminal offence by you. Any payment sent to you may be subject to a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to you or publish from time to time (which we may set out in your account overview). New checkout solution Our new checkout solution consists of: • Our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account. • Our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the new checkout solution as our new checkout solution service. If we offer you the new checkout solution and you choose to use it, in addition to this user agreement, you agree to the following further terms relating to the following capabilities: • The PayPal Alternative Payment Methods Agreement, when you use our APM functionality as part of the new checkout solution. Rules about surcharging PayPal does not encourage surcharging because it is a commercial practice that can penalize the consumer and create unnecessary confusion, friction and abandonment at checkout. Otherwise you may only surcharge for the use of the PayPal services in compliance with any law applicable to you and not in excess of the surcharges that you apply for the use of other payment methods. If you surcharge a buyer, you, and not we, will inform the buyer of the requested charge. We are not liable to any buyer where you have failed to inform the buyer of any surcharge. You acknowledge that you could be committing a criminal offence if you surcharge and/or fail to disclose any form of surcharge to a buyer. Presentation of PayPal You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • Logo placement, • Position within any point of sale, • Treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterize PayPal as a payment method or exhibit a preference for other payment methods over any PayPal service. Taxes and information reporting It is your responsibility to determine what, if applicable) using any, taxes apply to the Popmoney Service payments you make or receive, and it is solely your responsibility to an Eligible Transaction Account you hold orassess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. Your refund policy and privacy policy You must publish a refunds and return policy, as applicable, if you well as a Requestor want privacy policy. Marketplace sellers If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to initiate the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a Popmoney Requestclaim under the terms of the marketplace’s own resolution process, hewhich we call marketplace due amounts. If you give such an authorization and the marketplace has notifies us of the claim, she you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to that marketplace or you can do to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that from the Site or from an Eligible Transaction Account at claim would have been determined in your favor had it been filed as a financial institution that participates in the Popmoney Service or at the Popmoney Websiteclaim with us. You understand can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s policy only. The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace. Accepting billing agreement payments If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • Warrant to us that the amounts you present have been agreed and agree consented to by the payer whose account will be deducted (including changes to those amounts) and that there may be a delay between the time you are notified will give prior notice of the pending Payment Instruction deduction to the payer. • Agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the deposit circumstances of the payment funds into your Eligible Transaction Account, and that you may be required are liable to take additional steps to facilitate the deposit us for any refunds of the that payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection accordance with the Sender's initiation terms of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Requestthis user agreement.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. Or, as applicable, if another person wants to send you a gift card using the Service, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Service and makes available the purchase of gift cards through the Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive gift cards or Popmoney Requests Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Small Business Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Small Business Service or at the Popmoney Website. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender''s Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender''s initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender''s account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, you will inform the buyer of the exchange rate and any charges that will be applied to the payment transaction. PayPal has no liability to any buyer if you fail to inform the buyer of the exchange rate and charges. You acknowledge that if you fail to disclose the exchange rate and charges to the buyer this may constitute a criminal offence by you. Any payment sent to you may be subject to a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to you or publish from time to time (which we may set out in your account overview). New checkout solution Our new checkout solution consists of: • our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account; and • our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the new checkout solution as our new checkout solution service. If we offer you the new checkout solution and you choose to use it, in addition to this user agreement, you agree to the following further terms relating to the following capabilities: • the PayPal Alternative Payment Methods Agreement, when you use our APM functionality as part of the new checkout solution; and • the PayPal Online Card Payment Services Agreement, when you use: o our Custom Card Fields service as part of the new checkout solution bundle; and o our supporting Fraud Tool (otherwise called the Custom Card Fields Fraud Management Filters functionality or Fraud Tool in that agreement) as part of the new checkout solution. Fees which may be set out in the PayPal Alternative Payment Methods Agreement and the PayPal Online Card Payment Services Agreement do not apply to your use of the new checkout solution. Instead, our our special Fees for using the new checkout solution apply. Rules about surcharging PayPal does not encourage surcharging because it is a commercial practice that can penalise the consumer and create unnecessary confusion, friction and abandonment at checkout. You may only surcharge for the use of our services in compliance with any law applicable to you and not in excess of the surcharges that you apply for the use of other payment methods. If you surcharge a buyer, you, and not we, will inform the buyer of the requested charge. We are not liable to any buyer where you have failed to inform the buyer of any surcharge. You acknowledge that you could be committing a criminal offence if you surcharge and/or fail to disclose any form of surcharge to a buyer. Presentation of PayPal You must treat PayPal as a payment method or mark at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • logo placement, • position within any point of sale, • treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterise PayPal as a payment method or exhibit a preference for other payment methods over PayPal. Taxes and information reporting It is your responsibility to determine what, if applicable) using any, taxes apply to the Popmoney Service payments you make or receive, and it is solely your responsibility to an Eligible Transaction Account you hold orassess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. Your refund policy and privacy policy You must publish a refunds and return policy, as applicable, if you well as a Requestor want privacy policy. Marketplace sellers If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to initiate the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorise certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a Popmoney Requestclaim under the terms of the marketplace’s resolution process (“Marketplace Due Amounts”). If you give such an authorization and the marketplace a notifies us of the claim, he, she you instruct us to process payments of all and any Marketplace Due Amounts relating to that claim from your PayPal account to the marketplace or you can do to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given Marketplace Due Amount as cancelled if we decide that from the Site or from an Eligible Transaction Account at claim would have been determined in your favour had it been filed as a financial institution that participates in the Popmoney Service or at the Popmoney Websiteclaim with us. You understand can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace policy only. The terms of the PayPal Seller Protection Programme do not cover you for claims filed by your buyers directly with the marketplace. Accepting billing agreement payments If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer; and • agree that there may be a delay between you will notify the time you are notified payer at least 4 weeks in advance of the pending Payment Instruction amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the deposit circumstances of the payment funds into your Eligible Transaction Accountand that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement. Refunds and reversals of payments When you receive a payment, and it could be refunded or reversed. We may allow you may be required to take additional steps send to facilitate the deposit payer a refund of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Requestpayment. We do not guarantee that you will receive any payments from individuals by initiating may carry out a Popmoney Requestreversal of your payment in certain circumstances. See the rest of this section for more details.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender''s Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender''s initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender''s account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this User Agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate the deposit you or publish from time to time (which we may set out in your account overview). New checkout solution Our new checkout solution consists of: • our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account; and • our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the payment new checkout solution as our new checkout solution service. If we offer you the new checkout solution service and you choose to use it, in addition to this User Agreement, you agree to the following further terms relating to the following capabilities: • when you use our APM functionality as part of funds into the new checkout solution, the PayPal Alternative Payment Methods Agreement; and • when you use: o our Custom Card Fields service as part of the new checkout solution; and o our supporting Fraud Tool (otherwise called the Custom Card Fields Fraud Management Filters functionality or Fraud Tool in that agreement) as part of the new checkout solution Fees which may be set out in the PayPal Alternative Payment Methods Agreement and the PayPal Online Card Payment Services Agreement do not apply to your Eligible Transaction Accountuse of the new checkout solution. Instead, our special Fees for using the new checkout solution apply. Rules about surcharging PayPal complies with the law and does not encourage in any way surcharging because it is, also, a commercial practice that can penalise the consumer and create unnecessary confusion, friction and abandonment at checkout. You authorize shall not surcharge for the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to use of our services. If your mobile phone in connection with the Sender's initiation of Payment Instructions to you, account has “Merchant rate” status and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that at any of your points of sale (in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(swhatever form), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.you:

Receiving Payments. If another person wants to initiate send you a Payment Instruction payment transaction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold orwith us, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, he or she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction payment transaction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions payment transactions to you, and, as a ReceiverRecipient, you may also receive Popmoney Requests from others through the Popmoney Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Popmoney Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an and Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's ’s Eligible Transaction Transactions Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's ’s initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's ’s account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service Service, you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, if applicable) using you will inform the Popmoney Service buyer of the exchange rate and any charges that will be applied to an Eligible Transaction Account you hold or, as applicable, the payment transaction. PayPal has no liability to any buyer if you as a Requestor want fail to initiate a Popmoney Request, he, she or you can do that from inform the Site or from an Eligible Transaction Account at a financial institution that participates in buyer of the Popmoney Service or at the Popmoney Websiteexchange rate and charges. You understand acknowledge that if you fail to disclose the exchange rate and agree that there charges to the buyer this may be constitute a delay between the time you are notified of the pending Payment Instruction and the deposit of the criminal offence by you. Any payment funds into your Eligible Transaction Account, and sent to you may be required subject to take additional a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to facilitate you or publish from time to time (which we may set out in your account overview). New checkout solution included in the deposit PayPal Commerce Platform The PayPal Commerce Platform includes our new checkout solution. The checkout solution consists of: • our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account; and o Fraud Protection. We may offer you all, any part or any combination of parts of the payment of funds into your Eligible Transaction Accountcheckout solution. You authorize If we offer you the Sendercheckout solution and you choose to use it, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) in addition to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiverthis user agreement, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount following further terms relating to the following capabilities: • the PayPal Alternative Payment Methods Agreement, when you use our APM functionality as part of funds improperly transferred to you. If applicablethe checkout solution; and • the PayPal Online Card Payment Services Agreement, if when you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.use:

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails Emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the senderSender, because there were not sufficient funds in the senderSender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site or otherwise (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the SiteSite or by calling Customer Service Support at (000) 000-0000. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicableRequest or otherwise) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service service or at the Popmoney WebsiteSite. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site Site, (a) the applicable service fee will be deducted from payments received by the you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, you will inform the buyer of the exchange rate and any charges that will be applied to the payment transaction. PayPal has no liability to any buyer if you fail to inform the buyer of the exchange rate and charges. You acknowledge that if you fail to disclose the exchange rate and charges to the buyer this may constitute a criminal offence by you. Any payment sent to you may be subject to a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to you or publish from time to time (which we may set out in your account overview). New checkout solution Our new checkout solution consists of:  our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account; and  our supporting Fraud Tool. We may offer you all, any part or any combination of parts of the new checkout solution as our new checkout solution service. If we offer you the new checkout solution and you choose to use it, in addition to this user agreement, you agree to the following further terms relating to the following capabilities:  the PayPal Alternative Payment Methods Agreement, when you use our APM functionality as part of the new checkout solution; and  the PayPal Online Card Payment Services Agreement, when you use: o our Custom Card Fields service as part of the new checkout solution bundle; and o our supporting Fraud Tool (otherwise called the Custom Card Fields Fraud Management Filters functionality or Fraud Tool in that agreement) as part of the new checkout solution. Fees which may be set out in the PayPal Alternative Payment Methods Agreement and the PayPal Online Card Payment Services Agreement do not apply to your use of the new checkout solution. Instead, our our special Fees for using the new checkout solution apply. Rules about surcharging PayPal does not encourage surcharging because it is a commercial practice that can penalise the consumer and create unnecessary confusion, friction and abandonment at checkout. You may only surcharge for the use of our services in compliance with any law applicable to you and not in excess of the surcharges that you apply for the use of other payment methods. If you surcharge a buyer, you, and not we, will inform the buyer of the requested charge. We are not liable to any buyer where you have failed to inform the buyer of any surcharge. You acknowledge that you could be committing a criminal offence if you surcharge and/or fail to disclose any form of surcharge to a buyer. Presentation of PayPal You must treat PayPal as a payment method or xxxx at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar:  logo placement,  position within any point of sale,  treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterise PayPal as a payment method or exhibit a preference for other payment methods over PayPal. Taxes and information reporting It is your responsibility to determine what, if applicable) using any, taxes apply to the Popmoney Service payments you make or receive, and it is solely your responsibility to an Eligible Transaction Account you hold orassess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. Your refund policy and privacy policy You must publish a refunds and return policy, as applicable, if you well as a Requestor want privacy policy. Marketplace sellers If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to initiate the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorise certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a Popmoney Requestclaim under the terms of the marketplace’s resolution process (“Marketplace Due Amounts”). If you give such an authorization and the marketplace a notifies us of the claim, he, she you instruct us to process payments of all and any Marketplace Due Amounts relating to that claim from your PayPal account to the marketplace or you can do to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given Marketplace Due Amount as cancelled if we decide that from the Site or from an Eligible Transaction Account at claim would have been determined in your favour had it been filed as a financial institution that participates in the Popmoney Service or at the Popmoney Websiteclaim with us. You understand can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace policy only. The terms of the PayPal Seller Protection Programme do not cover you for claims filed by your buyers directly with the marketplace. Accepting billing agreement payments If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you:  warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer; and  agree that there may be a delay between you will notify the time you are notified payer at least 4 weeks in advance of the pending Payment Instruction amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the deposit circumstances of the payment funds into your Eligible Transaction Accountand that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement. Refunds and reversals of payments When you receive a payment, and it could be refunded or reversed. We may allow you may be required to take additional steps send to facilitate the deposit payer a refund of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Requestpayment. We do not guarantee that you will receive any payments from individuals by initiating may carry out a Popmoney Requestreversal of your payment in certain circumstances. See the rest of this section for more details.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Pop- money Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicableappli- cable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Pop- money Website. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction In- struction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize au- thorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation initi- ation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals indi- viduals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney WebsitePopmoneyWebsite. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction UNFCU Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website. Or, as applicable, if another person wants to send you a gift card using the Service, he or she can do that from an Account at a financial institution that participates in the Service and makes available the purchase of gift cards through the Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction UNFCU Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction UNFCU Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive gift cards or Popmoney Requests Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction UNFCU Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction UNFCU Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Receiving Payments. If another person wants General provisions for receiving payments PayPal may allow anybody (with or without an account) to initiate make a Payment Instruction payment instruction resulting in the issuance or transfer of electronic money to your account. By integrating (including in response by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a Popmoney Requestreceipt of electronic money in your account unless you have accepted the payment. We may allow you to accept payments in any currency supported by our service from time to time. Where you (instead of PayPal) offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, you will inform the buyer of the exchange rate and any charges that will be applied to the payment transaction. PayPal has no liability to any buyer if you fail to inform the buyer of the exchange rate and charges. You acknowledge that if you fail to disclose the exchange rate and charges to the buyer this may constitute a criminal offence by you. Any payment sent to you may be subject to a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases. To lift your receiving limit, you must follow the steps that we will notify to you or publish from time to time (which we may set out in your account overview). Checkout solution included in the PayPal Commerce Platform The PayPal Commerce Platform includes our checkout solution. The checkout solution consists of: • our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an account to send a payment to your account; and • Fraud Protection. We may offer you all, any part or any combination of parts of the checkout solution. If we offer you the checkout solution and you choose to use it, in addition to this user agreement, you agree to the following further terms relating to the following capabilities: • the PayPal Alternative Payment Methods Agreement, when you use our APM functionality as part of the checkout solution; and • the PayPal Online Card Payment Services Agreement, when you use: o our Advanced Credit and Debit Card Payments as part of the new checkout solution; and o Fraud Protection as part of the checkout solution. Our Fees for using the checkout solution apply. Rules about surcharging PayPal does not encourage surcharging because it is a commercial practice that can penalise the consumer and create unnecessary confusion, friction and abandonment at checkout. You may only surcharge for the use of our services in compliance with any law applicable to you and not in excess of the surcharges that you apply for the use of other payment methods. If you surcharge a buyer, you, and not we, will inform the buyer of the requested charge. We are not liable to any buyer where you have failed to inform the buyer of any surcharge. You acknowledge that you could be committing a criminal offence if you surcharge and/or fail to disclose any form of surcharge to a buyer. Presentation of PayPal You must treat PayPal as a payment method or mark at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar: • logo placement, • position within any point of sale, • treatment in terms of payment flow, terms, conditions, restrictions, or fees, in each case as compared to other marks and payment methods at your points of sale. In representations to your customers or in public communications, you must not mischaracterise PayPal as a payment method or exhibit a preference for other payment methods over PayPal. Taxes and information reporting It is your responsibility to determine what, if applicable) using any, taxes apply to the Popmoney Service payments you make or receive, and it is solely your responsibility to an Eligible Transaction Account you hold orassess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. As a bank service provider no sales tax applies to the PayPal services in the EU. Your refund policy and privacy policy You must publish a refunds and return policy, as applicable, if you well as a Requestor want privacy policy. In-store payments and QR code transactions If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Websitecustomer before it takes place. You understand and may charge your customer's account only for transactions that they have authorized. You must also provide customers with a physical receipt if they request one. You agree that there may be a delay between the time any transaction that you are notified make shall have an accurate and true description of the pending Payment Instruction goods and the deposit services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes for in- person transactions as a method of the accepting payment funds into your Eligible Transaction Account, for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. Marketplace sellers If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take additional steps certain actions and may impact how claims are processed. We may allow you to facilitate authorise certain marketplaces to use your account to pay amounts you owe to the deposit marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s resolution process, which we call marketplace due amounts. If you give such an authorization and the marketplace a notifies us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to the marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of funds into any given marketplace due amount as cancelled if we decide that the claim would have been determined in your Eligible Transaction Accountfavour had it been filed as a claim with us. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection can also cancel this instruction by contacting us. All claims filed directly with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Popmoney Requests from others through the Service. You acknowledge and agree that in the event that funds marketplace are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized governed by the sender, because there were marketplace policy only. The terms of the PayPal Seller Protection do not sufficient funds in cover you for claims filed by your buyers directly with the sender's account, or for any other reason, then marketplace. Accepting billing agreement payments If we allow you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from accept payments received by you from a Sender(s)payer under a billing agreement, and (b) no service fee will be charged if when you as the Requestor do not receive any payments from the individuals present to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree us a payment request under that individuals to whom you send a Popmoney Request may not receivebilling agreement, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.you: