Subject: Getting Started with your PayPal Account
From: <[email-masked]>
To: "Labor Law Poster Service" <[email-masked]>
Date: Wed, 19 Sep 2007 08:53:33 -0700

Dear Labor Law Poster Service,

Welcome to PayPal!
Make and collect online payments instantly with your new PayPal account. Learn more about how your account works by clicking on a topic below, or log in to your PayPal account to get started now!

CONTENTS:
- Sending Payments
- Accepting Payments with PayPal
- Important Information for Sellers
- Managing Your Account

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Business Account Benefits
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As a PayPal Business account holder, you can:  
- Send money for FREE
- Accept unlimited credit card and bank account payments for a low fee
- Use special tools for sellers
- Receive exclusive customer service hotline help 7 days a week
- Sign-up for PayPal's ATM/Debit card
- Request mass payments
- Operate under a business name
- Access PayPal with multiple logins

For a full list of Business Account features, log-in to PayPal and click Account Types at the bottom of the page.
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Sending Payments
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Use your PayPal account to send money to 190 countries and regions. To send a payment, log in to your PayPal account, and go to the "Send Money" tab. You can send money using a credit card, checking account or funds already in your PayPal Account. Payments can be made in US Dollars, Canadian Dollars, Australian Dollars, Euros, Pounds Sterling, Yen, New Zealand Dollars, Swiss Francs, Hong Kong Dollars, Singapore Dollars, Swedish Kronor, Danish Kroner, Polish Zloty, Norwegian Kroner, Hungarian Forint, and Czech Koruna.  We send recipients an email to let them know you've paid, so they can claim their money at PayPal.

Use your PayPal account to shop online:
- Auctions - Enjoy a wide selection of merchandise when you shop with PayPal; it's accepted on over 5 million auctions.
- Merchant Websites - Thousands of other online sites accept PayPal for purchases or donations - Remember to check and see if they accept PayPal!
- Personal Payments - Use PayPal to pay rent, split a dinner bill, or exchange money with friends and family.
- PayPal Shops - Visit our directory of over 42,000 online stores that accept payments with PayPal.

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Receiving Payments
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You can also use your PayPal account to accept payments.When someone sends you money with PayPal, the funds automatically appear in your PayPal balance. Keep the funds in your PayPal account, withdraw it to a checking account, or use it to make a purchase online.

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Accepting Payments with PayPal
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Payments sent to you automatically appear in your PayPal account.

Seller Tools - To help you manage your business, PayPal offers a variety of convenient tools for sellers:

Auction Tools:

- Automatic Logos - Turn on PayPal's Automatic Logos for your auction listings and make payments easier for buyers!
- eBay's End of Auction Email - eBay automatically sends this email to your winning buyers when your listing ends successfully.  You can sign up to customize this email and include your own custom message and logo.

Merchant Services

- PayPal Website Payments - Accept credit card payments directly on your website. Use PayPal Website Payments buttons for Buy Now Button sales, Donations, Subscriptions and Recurring Payments, or PayPal Shopping Cart sales.

- PayPal Shops -  Join the exciting and diverse directory of websites that accept PayPal. Registration for PayPal Shops is free and gives you access to over 150 million PayPal customers.

To get set up for these seller tools, just go to the Auction Tools and Merchant Services tabs on any PayPal page.

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Important Information for Sellers
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Get Verified - For security reasons, new accounts may have sending and withdrawal limits until they become Verified. When you become Verified by adding and confirming a checking account, your sending and withdrawal limits will be removed, and you'll also be eligible for the Seller Protection Policy. Learn more

https://www.paypal.com/us/VERIFY

Security - Don't forget to update the business information in your Profile. The information you provide helps PayPal ensure the safety and security of the payment network, the community, and your transactions.

Fees - Fees are assessed at the time of the transaction. When you receive a payment in your account, we will deduct the fee. The fee amount appears in your transaction history in the "Fee" column. It is free to send money with PayPal. To see the current rates, click on the Fees link at the bottom of the home page.

Refunds - You can refund a payment to your customer within the first 60 days of the transaction. The refund link can be found on the Transaction Details page. Just click on the Details link of the transaction in the History tab.

Chargebacks  - Fraudulent payments funded with stolen credit cards account for over 2% of all online transactions, and other payment services pass on all of this risk to sellers. By contrast, PayPal protects sellers from chargebacks if they comply with PayPal's Seller Protection Policy, a series of guidelines designed to mitigate risky transactions.

 Seller Protection Policy  - The central requirement of the Seller Protection Policy is that you ship to the buyer's address on the Transaction Details page of the payment. Learn more about the Seller Protection Policy and your chargeback rights and responsibilities by visiting our Security Center

http://www.paypal.com/us/cgi-bin/?cmd=p/gen/security-main-outside

Multiple Currencies - Use PayPal to accept payments in Canadian Dollars, Euros, Pounds Sterling, Yen and U.S. Dollars. If you decide to use more than one currency, you can manage all of your currencies from a single PayPal account. You can automatically convert payments into U.S. Dollars or accept them in their original currency. To manage your Multiple Currencies payments, review your Payment Receiving Preferences in your Profile.

https://www.paypal.com/us/PROFILE

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Managing Your Account
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Keep your Profile Information Up-to-Date - You can add or update account Information, such as password, email address, mailing address, or credit cards, by going to:

https://www.paypal.com/us/PROFILE

Transaction History - To view past transactions, go to:

https://www.paypal.com/us/HISTORY

You can view the details of a transaction by clicking on its Details link.

Changing Preferences - PayPal gives you choices in the types of payments and notifications you receive. To modify your preferences, go to:

https://www.paypal.com/us/PREFS-NOTI

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Please note that this is not a complete list of all our products and features. All products, features, and policies are subject to change. Be sure to log in to your PayPal account on a regular basis to view the "Policy Updates" page which can be found in the "What's New" box.

Please do not reply to this email. This mailbox is not monitored and you will not receive a response. For assistance, log in to your PayPal account and click the Help link located in the top right corner of any PayPal page.

Security Advisory: When you log in to your PayPal account, be sure to open up a new web browser (e.g. Internet Explorer or Netscape) and type in the PayPal URL to make sure you are on the real PayPal website.
For more information on protecting yourself from fraud, please review the Security Tips in our Security Center.

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