PayPal Buyer Protection for ebay.co.uk and ebay.ca

Notice Date: January 8, 2004
Effective Date: February 17, 2004

Effective February 17, 2004, PayPal will enable eBay sellers in the UK to
offer buyers coverage of up to Ł250.00 GBP for non-delivery or
"significantly not as described" claims on qualified eBay listings which are
paid for with PayPal. To qualify, sellers must have a U.S., UK, or Canadian
Verified Premier or Business PayPal account in good standing and have an
eBay feedback score of 50 or more with at least 98% positive feedback. The
listing must be on www.ebay.com, www.ebay.co.uk, or www.ebay.ca. In
addition, sellers must select PayPal as a payment option when they list the
item (whether they are using eBay's Sell Your Item form or bulk listing
tools such as Turbo Lister or Seller Assistant). PayPal Buyer Protection is
only available for tangible goods (items which can be posted). Qualified
listings will display the PayPal Buyer Protection seal.

All buyers worldwide are eligible for coverage, provided the listing
displays the PayPal Buyer Protection seal, they use PayPal to pay the seller
at the same PayPal account used in the listing, and they file their claim
within 30 days of payment. Buyers may only receive two PayPal Buyer
Protection claim awards per calendar year.


Personal Account Receiving Limits

Notice Date: January 8, 2004
Effective Date: February 13, 2004

Starting on February 13, 2004, PayPal will begin capping the amount Personal
account holders in the U.S., U.K., and Canada are able to receive per month.
The cap will be the equivalent of $1,000 USD, based on the Primary Currency
of the account. In addition, users will no longer be allowed to split
payments between Personal and Premier/Business accounts. Only ecommerce
payments received from eBay, auction, or website sales will count towards
the receiving limit.


Bank Account Withdrawal for Korea and Taiwan

Notice Date: January 8, 2004
Effective Date: February 13, 2004

Starting February 13, 2004, PayPal will enable members in Korea and Taiwan
to withdraw funds from their PayPal account to a local bank account.


U.S. Bank Accounts for EU Users

Notice Date: January 8, 2004
Effective Date: February 13, 2004

Effective February 13, 2004, users in Austria, Belgium, Denmark, Finland,
France, Germany, Greece, Ireland, Italy, Luxembourg, Netherlands, Portugal,
Spain, Sweden, and UK will no longer be able to use their U.S. bank accounts
to make payments or fund their PayPal account. These users may continue to
withdraw funds from their PayPal accounts to their U.S. bank accounts.

Withdrawal Limit Update

Notice Date: January 8, 2004
Effective Date: February 13, 2004

Effective February 13, 2004, the Withdrawal Limit for users in Austria,
Belgium, Denmark, Finland, France, Germany, Italy, Netherlands, Spain,
Sweden, and UK will change. Currently, prior to completion of the Expanded
Use Program, users in these countries are subject to a monthly withdrawal
limit. Effective February 13, 2004, users in these countries will be subject
to two types of limits: a monthly limit, and a cumulative withdrawal limit,
which is the total amount of money that a user may withdraw during the
period from registration until completion of the Expanded Use Program,
regardless of the number of months in that period. Completion of the
Expanded Use Program will lift all Withdrawal Limits (but PayPal continues
to reserve the right to review large withdrawals before releasing the
funds). Users in these countries can continue to check their limits by
logging in to their account and clicking on "View Limits."


User Agreement Update

Notice Date: January 8, 2004
Effective Date: January 8, 2004

Updated and simplified eligibility requirements in the Merchant Referral
Bonus section of the Bonus Policy.


Privacy Policy Update

Notice Date: December 11, 2003
Effective Date: December 11, 2003

Edited Privacy Policy to clarify that PayPal VISAŠ card is only available in
the U.S.


User Agreement Update

Notice Date: December 11, 2003
Effective Date: December 11, 2003

Edited Money Back Guarantee Policy to clarify that coverage is for U.S.
buyers only.


User Agreement Update

Notice Date: November 6, 2003
Effective Date: November 6, 2003

Edited Bonus Policy to clarify coverage and requirements for Merchant
Referral Bonus pilot program.


User Agreement Update

Notice Date: October 16, 2003
Effective Date: October 16, 2003


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