Common use of Automatic Payments Clause in Contracts

Automatic Payments. You may use Online Payments to authorize electronic payments to be made on regularly recurring future dates on an automatic basis ("Automatic Payments"). These payments will appear on your credit card statement as "RECURRING AUTOMATIC PAYMENT". We may impose restrictions on Automatic Payments, including but not limited to, limitation of: Timing of Debits from Payment Account. Funds may be withdrawn from your Payment Account as soon as the scheduled payment date(s) specified in your instructions. For One Time Payments, that is the date submitted. For Preauthorized Payments, that is the date specified. For Automatic Payments, that is as soon as the date specified in your payment authorization or the minimum payment due date specified on your periodic statement. Your Payment Account may not be debited for up to 3 business days after the scheduled payment date(s) depending on your Payment Account provider's processing times. NOTE: For Automatic Payments, your periodic statement serves as your notice of the amount to be debited, which will be your Minimum Payment Due or New Balance as shown on your statement. Canceling One Time, Preauthorized and Automatic Payments. One Time, Preauthorized and Automatic Payment instructions remain in effect unless you cancel the authorization. If you wish to cancel a One Time Payment, you may be cancel it up until 5:00 pm Eastern Time on the day on which it is scheduled for payment by accessing the Online Payments Service or calling the phone number on the back of your credit card. If you wish to cancel a Preauthorized or Automatic Payment, you can cancel your transaction by notifying us at least 3 business days before the scheduled date of the payment. You may notify the Bank by timely cancelling the payment through the Online Payments service, by calling the phone number on the back of your credit card, or by writing to ▇.▇. ▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇. If you call, the Bank may also require you to present your request in writing within fourteen (14) days after you call. ACCOUNT ALERTS AND PROMOTIONAL TEXTS Requirements to Receive Mobile Alerts. The Bank provides a Service through which we send you notifications regarding your Account or the Service, including but not limited to, email, text, or telephone ("Alerts Service"). To utilize this Alerts Service your Account must be in good standing and you must have a mobile or cellular phone number with a supported mobile carrier and a device that supports text messaging.

Automatic Payments. You can agree with a seller who accepts PayPal to use PayPal as the payment method for future purchases with that seller. This agreement is between you and the seller and allows you to pay the seller on a one-time, regular or sporadic basis. Examples of automatic payments that can be arranged by you either with a seller or with PayPal include those that PayPal calls a “billing agreement,” "subscription," "recurring payment,” “reference transaction,” "preauthorized transfer" or "preapproved payment." You may use Online Payments to authorize electronic payments to be made on regularly recurring future dates on cancel an automatic basis ("Automatic Payments"). These payments will appear on your credit card statement as "RECURRING AUTOMATIC PAYMENT". We may impose restrictions on Automatic Payments, including but not limited to, limitation of: Timing of Debits from Payment Account. Funds may be withdrawn from your Payment Account as soon as the scheduled payment date(s) specified in your instructions. For One Time Payments, that is the date submitted. For Preauthorized Payments, that is the date specified. For Automatic Payments, that is as soon as the date specified in your payment authorization or the minimum payment due date specified on your periodic statement. Your Payment Account may not be debited for up to 3 business days after the scheduled payment date(s) depending on your Payment Account provider's processing times. NOTE: For Automatic Payments, your periodic statement serves as your notice of the amount to be debited, which will be your Minimum Payment Due or New Balance as shown on your statement. Canceling One Time, Preauthorized and Automatic Payments. One Time, Preauthorized and Automatic Payment instructions remain in effect unless you cancel the authorization. If you wish to cancel a One Time Payment, you may be cancel it up until 5:00 pm Eastern Time on the day on which it is scheduled for payment by accessing the Online Payments Service or calling the phone number on the back of your credit card. If you wish to cancel a Preauthorized or Automatic Payment, you can cancel your transaction by notifying us at least 3 business days Business Days before the scheduled date of the paymentnext scheduled payment from your account settings or by contacting us through the PayPal Help Center . You may notify the Bank by timely cancelling the payment through the Online Payments service, also stop a Preapproved Payment by calling the phone number on the back of your credit card, or by writing to PayPal at ▇.▇. ▇▇ ▇▇▇ ▇▇▇▇▇. Once an automatic payment is canceled, ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇all future automatic payments under your agreement with that seller will be stopped. If you callcancel an automatic payment, you may still owe the seller money for the purchase or have additional obligations to the seller for any goods or services that you receive but have not paid for. If you have authorized an automatic payment that involved a currency conversion for an automatic payment transaction, PayPal will use the transaction exchange rate (including PayPal’s currency conversion fee) in effect at the time the automatic payment transaction is processed.‌ When you buy something from a seller online using PayPal and the transaction is ultimately refunded, the Bank may also require money will typically be refunded to the original payment method you used for the transaction if you used a credit card, debit card or PayPal balance. If you used a bank account as the payment method for the transaction, we will refund the money to present your request in writing within fourteen (14) days after you call. ACCOUNT ALERTS AND PROMOTIONAL TEXTS Requirements to Receive Mobile Alerts. The Bank provides a Service through which we send you notifications regarding your Account or the Service, including but not limited to, email, textbank account, or telephone ("Alerts Service")to your PayPal balance if we cannot refund it to your bank account. To utilize this Alerts Service For purchases you make in a seller’s store location that you paid for using your Account must PayPal account and the transaction is ultimately refunded, the money will be in good standing and you must have refunded to your PayPal balance. If a mobile or cellular phone number with a supported mobile carrier currency conversion was performed for your transaction and a device that supports text messagingrefund is issued: • Within 1 day of the date of the original payment, the transaction exchange rate used at the time of the original payment will apply. • Beyond 1 day of the date of the original payment, the transaction exchange rate (including a currency conversion fee) on the date of the refund will apply. Money will be refunded in the currency you paid if refunded to an international card, and in Brazilian Reais if refunded to your bank account or PayPal balance.

Automatic Payments. You Some sellers who accept PayPal allow you to store PayPal as the payment method for future purchases with that seller. When you store PayPal as a payment method with a specific seller, you agree with the seller that they can use PayPal to request payment for future transactions between you and the seller. The agreement between you and the seller may use Online Payments allow you to authorize electronic and schedule a payment to the seller in advance on a one-time, sporadic, or recurring basis. Examples of automatic payments to that can be made on regularly arranged by you with a seller include those that PayPal calls a “billing agreement,” “subscription,” “recurring future dates on an automatic basis ("Automatic Payments"). These payments will appear on your credit card statement as "RECURRING AUTOMATIC PAYMENT". We may impose restrictions on Automatic Payments, including but not limited to, limitation of: Timing of Debits from Payment Account. Funds may be withdrawn from your Payment Account as soon as the scheduled payment date(s) specified in your instructions. For One Time Payments, that is the date submitted. For Preauthorized Payments, that is the date specified. For Automatic Payments, that is as soon as the date specified in your payment authorization payment,” “reference transaction,” “preauthorized transfer”; or the minimum payment due date specified on your periodic statement. Your Payment Account may not be debited for up to 3 business days after the scheduled payment date(s) depending on your Payment Account provider's processing times. NOTE: For Automatic Payments, your periodic statement serves as your notice of the amount to be debited, which will be your Minimum Payment Due or New Balance as shown on your statement. Canceling One Time, Preauthorized and Automatic Payments. One Time, Preauthorized and Automatic Payment instructions remain in effect unless you cancel the authorization. “preapproved payment.” If you wish to cancel have a One Time Paymentpersonal account, you may be cancel it up until 5:00 pm Eastern Time on the day on which it is scheduled for payment by accessing the Online Payments Service or calling the phone number on the back of your credit card. If you wish to cancel a Preauthorized recurring automatic payment 3 Business Days or Automatic Payment, you can cancel your transaction by notifying us at least 3 business days more before the scheduled date of the payment. You may notify the Bank next scheduled payment from your account settings or by timely cancelling the payment contacting us through the Online Payments service, by calling the phone number on the back of your credit cardPayPal Help Center, or by writing to ▇.▇. ▇▇▇ calling PayPal at (▇▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇ ▇▇) ▇▇▇-▇▇▇▇. If you callorder us to stop one of these payments 3 Business Days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Once your automatic payment authorization is canceled, all future automatic payments under your agreement with that seller will be stopped. If you cancel an automatic payment authorization, you may still owe the seller money for purchases that have been authorized but not completed, or you may still have additional obligations to the seller for any goods or services that you receive but have not paid for. If you have given advance payment authorization to a seller that permits a seller to take or receive payments from your PayPal account on a regularly recurring basis (for example, every month or otherwise on a routine billing cycle), and if such payments will vary in amount, you have the right to advance notice of the amount and date of the transfer from the seller at least 10 days before the transfer is made. If the seller provides the option, you may choose to receive this advance notice only when the amount of your automatic payment will fall outside a range established between you and the seller. If you have authorized an automatic payment and PayPal performs currency conversion for an automatic payment transaction, PayPal will use the transaction exchange rate (including PayPal’s currency conversion spread) in effect at the time the automatic payment transaction is processed. When you purchase something from a seller online using PayPal and the transaction is ultimately refunded, the Bank may also require money will typically be refunded to the original payment method you used for the transaction if you used a debit card, credit card, PayPal Credit, or a balance in your Balance Account or business account. If you used a bank account linked to a personal account as the payment method for the transaction, we will attempt to refund the money to your bank account. If we are unable to do so, we will refund the money to your linked Balance Account if you have one. If you do not have a Balance Account, the money will be waiting for you to present claim by using one of the available transfer methods under Receiving Funds, Holding a Balance or Transferring Funds for personal accounts. If you used a bank account linked to a business account as the payment method for the transaction, we will attempt to refund the money to your request bank account. If we are unable to do so, we will refund the money to your balance in writing within fourteen (14) days after your business account. For purchases you callmake in a seller’s store location that you paid for using your personal account and the transaction is ultimately refunded, the money will be refunded to your Balance Account if you have one. ACCOUNT ALERTS AND PROMOTIONAL TEXTS Requirements to Receive Mobile Alerts. The Bank provides a Service through which we send If you notifications regarding your Account or the Service, including but do not limited to, email, text, or telephone ("Alerts Service"). To utilize this Alerts Service your Account must be in good standing and you must have a mobile Balance Account, the money will be waiting for you to claim by using one of the available transfer methods under Receiving Funds, Holding a Balance or cellular phone number Transferring Funds for personal accounts. For purchases you make in a seller’s store location that you paid for using your business account and the transaction is ultimately refunded, the money will be refunded to your balance in your business account. If you used Pay with Rewards to fund your transaction, your refund will be processed back as a supported mobile carrier dollar amount: depending on your card agreement with your issuer, your issuer may or may not credit your purchase back to your reward balance. If PayPal performed currency conversion for your transaction and a device that supports text messagingrefund is issued: • Within 1 day of the date of the original payment, PayPal’s transaction exchange rate (including a currency conversion spread) used at the time of the original payment will apply. • Beyond 1 day of the date of the original payment, PayPal’s transaction exchange rate (including a currency conversion spread) on the date of the refund will apply. Money will be refunded in the currency you paid; or if we are unable to refund in the currency you paid, in your primary holding currency; or we are unable to refund in your primary holding currency, then in U.S. dollars.

Automatic Payments. You may can agree with a seller who accepts PayPal to use Online Payments to authorize electronic payments to be made on regularly recurring future dates on an automatic basis ("Automatic Payments"). These payments will appear on your credit card statement as "RECURRING AUTOMATIC PAYMENT". We may impose restrictions on Automatic Payments, including but not limited to, limitation of: Timing of Debits from Payment Account. Funds may be withdrawn from your Payment Account as soon PayPal as the scheduled payment date(s) specified in your instructionsmethod for future purchases with that seller. For One Time PaymentsThis agreement is between you and the seller and allows you to pay the seller on a one-time, recurring or sporadic basis. Examples of automatic payments that is the date submitted. For Preauthorized Payments, can be arranged by you either with a seller or with PayPal include those that is the date specified. For Automatic Payments, that is as soon as the date specified in your payment authorization PayPal calls a “billing agreement,” "subscription," "recurring payment,” “reference transaction,” "preauthorized transfer" or the minimum payment due date specified on your periodic statement. Your Payment Account may not be debited for up to 3 business days after the scheduled payment date(s) depending on your Payment Account provider's processing times. NOTE: For Automatic Payments, your periodic statement serves as your notice of the amount to be debited, which will be your Minimum Payment Due or New Balance as shown on your statement. Canceling One Time, Preauthorized and Automatic Payments. One Time, Preauthorized and Automatic Payment instructions remain in effect unless you cancel the authorization. "preapproved payment." If you wish to cancel have a One Time Paymentpersonal account, you may be cancel it up until 5:00 pm Eastern Time on the day on which it is scheduled for payment by accessing the Online Payments Service or calling the phone number on the back of your credit card. If you wish to cancel a Preauthorized recurring automatic payment 3 Business Days or Automatic Payment, you can cancel your transaction by notifying us at least 3 business days more before the scheduled date of the payment. You may notify the Bank next scheduled payment from your account settings or by timely cancelling the payment contacting us through the Online Payments service, by calling the phone number on the back of your credit cardPayPal Help Center, or by writing to ▇.▇. ▇▇▇ calling PayPal at (▇▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇ ▇▇) ▇▇▇-▇▇▇▇. If you callorder us to stop one of these payments 3 Business Days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Once your automatic payment is canceled, all future automatic payments under your agreement with that seller will be stopped. If you cancel an automatic payment, you may still owe the Bank seller money for the purchase or have additional obligations to the seller for any goods or services that you receive but have not paid for. If you have given advance authorization, either to a seller or to PayPal, that permits a seller to take or receive payments from your PayPal account on a regularly recurring basis (for example, every month or otherwise on a routine billing cycle), and if such payments will vary in amount, you have the right to advance notice of the amount and date of the transfer from the seller at least 10 days before the transfer is made. If the seller provides the option, you may also require choose to receive this advance notice only when the amount of your automatic payment will fall outside a range established between you to present your request and the seller. If you have authorized an automatic payment and PayPal performs currency conversion for an automatic payment transaction, PayPal will use the transaction exchange rate (including PayPal’s currency conversion spread) in writing within fourteen (14) days after you call. ACCOUNT ALERTS AND PROMOTIONAL TEXTS Requirements to Receive Mobile Alerts. The Bank provides a Service through which we send you notifications regarding your Account or effect at the Service, including but not limited to, email, text, or telephone ("Alerts Service"). To utilize this Alerts Service your Account must be in good standing and you must have a mobile or cellular phone number with a supported mobile carrier and a device that supports text messagingtime the automatic payment transaction is processed.

Automatic Payments. You can agree with a seller who accepts PayPal to use PayPal as the payment method for future purchases with that seller. This agreement is between you and the seller and allows you to pay the seller on a one-time, regular or sporadic basis. Examples of automatic payments that can be arranged by you either with a seller or with PayPal include those that PayPal calls a “billing agreement,” "subscription," "recurring payment,” “reference transaction,” "preauthorized transfer" or "preapproved payment." You may use Online Payments to authorize electronic payments to be made on regularly recurring future dates on cancel an automatic basis ("Automatic Payments"). These payments will appear on your credit card statement as "RECURRING AUTOMATIC PAYMENT". We may impose restrictions on Automatic Payments, including but not limited to, limitation of: Timing of Debits from Payment Account. Funds may be withdrawn from your Payment Account as soon as the scheduled payment date(s) specified in your instructions. For One Time Payments, that is the date submitted. For Preauthorized Payments, that is the date specified. For Automatic Payments, that is as soon as the date specified in your payment authorization or the minimum payment due date specified on your periodic statement. Your Payment Account may not be debited for up to 3 business days after Business Days before the date of the next scheduled payment date(s) depending on from your account settings or by contacting us through the PayPal Help Center . You may also stop a Preapproved Payment Account provider's processing timesby calling PayPal at 0800 047 4482. NOTE: For Automatic PaymentsOnce an automatic payment is canceled, all future automatic payments under your periodic statement serves as your notice of the amount to be debited, which agreement with that seller will be your Minimum Payment Due or New Balance as shown on your statement. Canceling One Time, Preauthorized and Automatic Payments. One Time, Preauthorized and Automatic Payment instructions remain in effect unless you cancel the authorizationstopped. If you wish to cancel a One Time Paymentan automatic payment, you may be cancel it up until 5:00 pm Eastern Time on still owe the day on which it is scheduled seller money for payment by accessing the Online Payments Service purchase or calling have additional obligations to the phone number on the back of your credit cardseller for any goods or services that you receive but have not paid for. If you wish have authorized an automatic payment that involved a currency conversion for an automatic payment transaction, PayPal will use the transaction exchange rate (including PayPal’s currency conversion fee) in effect at the time the automatic payment transaction is processed. When you buy something from a seller online using PayPal and the transaction is ultimately refunded, the money will typically be refunded to cancel the original payment method you used for the transaction if you used a Preauthorized credit card, debit card or Automatic PaymentPayPal balance. If you used a bank account as the payment method for the transaction, we will refund the money to your bank account, or to your PayPal balance if we cannot refund it to your bank account. For purchases you can cancel make in a seller’s store location that you paid for using your PayPal account and the transaction is ultimately refunded, the money will be refunded to your PayPal balance. If a currency conversion was performed for your transaction by notifying us at least 3 business days before and a refund is issued: • Within 1 day of the scheduled date of the original payment, the transaction exchange rate used at the time of the original payment will apply. You may notify • Beyond 1 day of the Bank by timely cancelling date of the payment through original payment, the Online Payments service, by calling the phone number transaction exchange rate (including a currency conversion fee) on the back date of your credit the refund will apply. Money will be refunded in the currency you paid if refunded to an international card, and in Brazilian Reais if refunded to your bank account or by writing to ▇PayPal balance.▇. ▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇. If you call, the Bank may also require you to present your request in writing within fourteen (14) days after you call. ACCOUNT ALERTS AND PROMOTIONAL TEXTS Requirements to Receive Mobile Alerts. The Bank provides a Service through which we send you notifications regarding your Account or the Service, including but not limited to, email, text, or telephone ("Alerts Service"). To utilize this Alerts Service your Account must be in good standing and you must have a mobile or cellular phone number with a supported mobile carrier and a device that supports text messaging.

Automatic Payments. You Some sellers who accept PayPal allow you to store PayPal as the payment method for future purchases with that seller. When you store PayPal as a payment method with a specific seller, you agree with the seller that they can use PayPal to request payment for future transactions between you and the seller. The agreement between you and the seller may use Online Payments allow you to authorize electronic and schedule a payment to the seller in advance on a one-time, sporadic, or recurring basis. Examples of automatic payments to that can be made on regularly arranged by you with a seller include those that PayPal calls a “billing agreement,” “subscription,” “recurring future dates on an automatic basis ("Automatic Payments"). These payments will appear on your credit card statement as "RECURRING AUTOMATIC PAYMENT". We may impose restrictions on Automatic Payments, including but not limited to, limitation of: Timing of Debits from Payment Account. Funds may be withdrawn from your Payment Account as soon as the scheduled payment date(s) specified in your instructions. For One Time Payments, that is the date submitted. For Preauthorized Payments, that is the date specified. For Automatic Payments, that is as soon as the date specified in your payment authorization payment,” “reference transaction,” “preauthorized transfer”; or the minimum payment due date specified on your periodic statement. Your Payment Account may not be debited for up to 3 business days after the scheduled payment date(s) depending on your Payment Account provider's processing times. NOTE: For Automatic Payments, your periodic statement serves as your notice of the amount to be debited, which will be your Minimum Payment Due or New Balance as shown on your statement. Canceling One Time, Preauthorized and Automatic Payments. One Time, Preauthorized and Automatic Payment instructions remain in effect unless you cancel the authorization. “preapproved payment.” If you wish to cancel have a One Time Paymentpersonal account, you may be cancel it up until 5:00 pm Eastern Time on the day on which it is scheduled for payment by accessing the Online Payments Service or calling the phone number on the back of your credit card. If you wish to cancel a Preauthorized recurring automatic payment 3 Business Days or Automatic Payment, you can cancel your transaction by notifying us at least 3 business days more before the scheduled date of the payment. You may notify the Bank next scheduled payment from your account settings or by timely cancelling the payment contacting us through the Online Payments service, by calling the phone number on the back of your credit cardPayPal Help Center, or by writing to ▇.▇. ▇▇▇ calling PayPal at (▇▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇ ▇▇) ▇▇▇-▇▇▇▇. If you callorder us to stop one of these payments 3 Business Days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Once your automatic payment authorization is canceled, all future automatic payments under your agreement with that seller will be stopped. If you cancel an automatic payment authorization, you may still owe the Bank may also require you to present your request in writing within fourteen (14) days after you call. ACCOUNT ALERTS AND PROMOTIONAL TEXTS Requirements to Receive Mobile Alerts. The Bank provides a Service through which we send you notifications regarding your Account or the Service, including seller money for purchases that have been authorized but not limited to, email, textcompleted, or telephone you may still have additional obligations to the seller for any goods or services that you receive but have not paid for. If you have given advance payment authorization to a seller that permits a seller to take or receive payments from your PayPal account on a regularly recurring basis ("Alerts Service"for example, every month or otherwise on a routine billing cycle), and if such payments will vary in amount, you have the right to advance notice of the amount and date of the transfer from the seller at least 10 days before the transfer is made. To utilize If the seller provides the option, you may choose to receive this Alerts Service advance notice only when the amount of your Account must be automatic payment will fall outside a range established between you and the seller. If you have authorized an automatic payment and PayPal performs currency conversion for an automatic payment transaction, PayPal will use the transaction exchange rate (including PayPal’s currency conversion spread) in good standing and you must have a mobile or cellular phone number with a supported mobile carrier and a device that supports text messagingeffect at the time the automatic payment transaction is processed.

Automatic Payments. You can agree with a seller who accepts PayPal to use PayPal as the payment method for future purchases with that seller. This agreement is between you and the seller and allows you to pay the seller on a one-time, regular or sporadic basis. Examples of automatic payments that can be arranged by you either with a seller or with PayPal include those that PayPal calls a “billing agreement,” "subscription," "recurring payment,” “reference transaction,” "preauthorized transfer" or "preapproved payment." You may use Online Payments to authorize electronic payments to be made on regularly recurring future dates on cancel an automatic basis ("Automatic Payments"). These payments will appear on your credit card statement as "RECURRING AUTOMATIC PAYMENT". We may impose restrictions on Automatic Payments, including but not limited to, limitation of: Timing of Debits from Payment Account. Funds may be withdrawn from your Payment Account as soon as the scheduled payment date(s) specified in your instructions. For One Time Payments, that is the date submitted. For Preauthorized Payments, that is the date specified. For Automatic Payments, that is as soon as the date specified in your payment authorization or the minimum payment due date specified on your periodic statement. Your Payment Account may not be debited for up to 3 business days after the scheduled payment date(s) depending on your Payment Account provider's processing times. NOTE: For Automatic Payments, your periodic statement serves as your notice of the amount to be debited, which will be your Minimum Payment Due or New Balance as shown on your statement. Canceling One Time, Preauthorized and Automatic Payments. One Time, Preauthorized and Automatic Payment instructions remain in effect unless you cancel the authorization. If you wish to cancel a One Time Payment, you may be cancel it up until 5:00 pm Eastern Time on the day on which it is scheduled for payment by accessing the Online Payments Service or calling the phone number on the back of your credit card. If you wish to cancel a Preauthorized or Automatic Payment, you can cancel your transaction by notifying us at least 3 business days Business Days before the scheduled date of the paymentnext scheduled payment from your account settings or by contacting us through the PayPal Help Center. You may notify the Bank by timely cancelling the also stop a preapproved payment through the Online Payments service, by calling the phone number on the back of your credit card, or by writing to PayPal at ▇.▇. ▇▇▇ ▇▇▇▇▇▇ 4482. Once an automatic payment is canceled, ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇all future automatic payments under your agreement with that seller will be stopped. If you callcancel an automatic payment, you may still owe the seller money for the purchase or have additional obligations to the seller for any goods or services that you receive but have not paid for. If you have authorized an automatic payment that involved a currency conversion for an automatic payment transaction, PayPal will use the transaction exchange rate (including PayPal’s Currency Conversion Fee) in effect at the time the automatic payment transaction is processed. When you buy something from a seller online using PayPal and the transaction is ultimately refunded, the Bank may also require money will typically be refunded to the original payment method you used for the transaction if you used a credit card, debit card or, in case you have a Balance Business Account, to present your request balance. Please find below the refund deadlines applicable to each payment instrument: • In case of payments with credit or debit cards, the amount is usually credited within: (i) 2 billing cycles in writing case of credit cards; or (ii) 5 business days in case of debit cards. Check with the issuer of your card for the applicable refund period. If you do not identify the refund after the applicable deadline, you can contact our Customer Service. In this case, make sure you have all credit card statements (or account statements in case of debit cards) from the transaction date until the contact date. • In case of payments with balance (if you have a Business Balance Account), the refund will occur within fourteen 24 hours. If a currency conversion was performed for your transaction and a refund is issued: • Within 1 day of the date of the original payment, the transaction exchange rate used at the time of the original payment will apply. • Beyond 1 day of the date of the original payment, the transaction exchange rate (14including a currency conversion fee) days after on the date of the refund will apply. Money will be refunded in the currency you call. ACCOUNT ALERTS AND PROMOTIONAL TEXTS Requirements paid if refunded to Receive Mobile Alerts. The Bank provides a Service through which we send you notifications regarding your Account or the Service, including but not limited to, email, textan international credit card, or telephone ("Alerts Service"). To utilize this Alerts Service in Brazilian Reais if refunded to the bank or payment account linked to your Account must be in good standing and PayPal account or, if you must have a mobile or cellular phone number with a supported mobile carrier and a device that supports text messagingBalance Business Account, to your PayPal balance.