6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
       I m p o r t a n t  I n f o r m a t i o n  R e g a r d i n g  E l e c t r o n i c
       C o m m u n i c a t i o n
       R e a d  t h i s  i n f o r m a t i o n  c a r e f u l l y  a n d  k e e p  a  c o p y
       f o r  y o u r  r e c o r d s
       Prior to applying for a IKEA Projekt credit card, Comenity Capital Bank requests your consent to provide you important information
       electronically.
           You understand and agree that Comenity Capital Bank may provide you with all required application disclosures regarding
           your IKEA Projekt credit card application in electronic form. These disclosures include, but are not limited to, Terms and
           Conditions, the Credit Card Account Agreement and Customer Privacy Statement.
           You agree to keep us updated at all times with your current contact information. If your contact information has changed
           please contact us at 1-866-337-5539 (TDD/TTY: 1-888-819-1918).
           This consent does not enroll you in paperless statements. In order to enroll in paperless statements, please visit Account
           Center.
           At your request, we will provide you with paper copies of these disclosures. You have the right to withdraw consent, without a
           fee. Please call us at 1-866-337-5539 (TDD/TTY: 1-888-819-1918) to withdraw your consent to receive electronic disclosures.
           In order to receive electronic communications and to obtain the best view of these communications you will need access to
           the Internet, have a web browser which supports HTML, SSL-encryption, JavaScript, CSS, the capability to download and
           print these disclosures, and Adobe Reader to view PDF files. You may download it for free at https://get.adobe.com/reader/.
           Visit the Common Security Questions page for additional web browser information. By selecting the "Submit" button, you
           confirm that your system meets these requirements and that you have the capability to access and download or print
           electronic disclosures.
           We recommend that you retain a copy of these disclosures for your records.
       If this is a kiosk, this kiosk will display the disclosures listed above. Printed copies can be obtained at the customer service desk.
       Note: Your IKEA� Projekt credit card account is issued by Comenity Capital Bank Please review Comenity Bank's Financial Privacy
       Policy and Online and California Privacy Policy for more information. California Residents: Submit a Data Request Form to make a
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                   1/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
       Do Not Sell My Personal Information request.
                                            R a t e  a n d  F e e  S u m m a r y
     T h i s  R a t e  a n d  F e e  S u m m a r y  ( S u m m a r y )  i s  p a r t  o f  t h e  C r e d i t  C a r d  A g r e e m e n t  ( A g r e e m e n t )  f o r  t h e I K E A  P r o j e k t �  C r e d i t  C a r d  A c c o u n t .
     R e a d  i t  a n d  k e e p  i t .
      I n t e r e s t  R a t e s  a n d  I n t e r e s t
      C h a r g e s
       A n n u a l  P e r c e n t a g e  R a t e  ( A P R )
                                    2 1 . 9 9 %
       f o r  P u r c h a s e s
                                    Yo u r  d u e  d a t e  i s  a t  l e a s t  2 5  d a y s  a f t e r  t h e  c l o s e  o f  e a c h  b i l l i n g  p e r i o d .  W e  w i l l  n o t
                                    c h a r g e  y o u  i n t e r e s t  o n  p u r c h a s e s  i f  y o u  p a y  y o u r  e n t i r e  b a l a n c e  b y  t h e  d u e  d a t e
       H o w  t o  Av o i d  P a y i n g  I n t e r e s t
                                    e a c h  m o n t h .  I f  y o u  d o  n o t , y o u  w i l l  n o t  g e t  a  g r a c e  p e r i o d  o n  p u r c h a s e s  a g a i n  u n t i l
                                    y o u  p a y  t h e  e n t i r e  b a l a n c e  b y  t h e  d u e  d a t e  f o r  t w o  b i l l i n g  p e r i o d s  i n  a  r o w.
       M i n i m u m  I n t e r e s t  C h a r g e I f  y o u  a r e  c h a r g e d  i n t e r e s t ,  t h e  c h a r g e  w i l l  b e  n o  l e s s  t h a n  $ 2  p e r  c r e d i t  p l a n .
       F o r  C r e d i t  C a r d  T i p s  f r o m  t h e To  l e a r n  m o r e  a b o u t  f a c t o r s  t o  c o n s i d e r  w h e n  a p p l y i n g  f o r  o r  u s i n g  a  c r e d i t
       C o n s u m e r  F i n a n c i a l  P r o t e c t i o n c a r d ,  v i s i t  t h e  w e b s i t e  o f  t h e  C o n s u m e r  F i n a n c i a l  P r o t e c t i o n  B u r e a u  a t  h t t p : / / w w
       B u r e a u                  w. c o n s u m e r f i n a n c e . g o v / l e a r n m o r e .
      F e e s
       A n n u a l  F e e           N o n e
       P e n a l t y  F e e s
                                    U p  t o  $ 4 0
       �  L a t e  P a y m e n t
                                    U p  t o  $ 4 0
       �  R e t u r n e d  P a y m e n t
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                   2/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
     H o w  W e  W i l l  C a l c u l a t e  Yo u r  B a l a n c e : W e  u s e  a  m e t h o d  c a l l e d  � d a i l y  b a l a n c e  ( i n c l u d i n g  c u r r e n t  t r a n s a c t i o n s ) . �  R e v i e w
     y o u r  A g r e e m e n t  f o r  m o r e  d e t a i l s .
     B i l l i n g  R i g h t s : I n f o r m a t i o n  o n  y o u r  r i g h t s  t o  d i s p u t e  t r a n s a c t i o n s  a n d  h o w  t o  e x e r c i s e  t h o s e  r i g h t s  i s  p r o v i d e d  i n  y o u r
     A g r e e m e n t .
     W i s c o n s i n  R e s i d e n t s : I f  y o u  a r e  m a r r i e d ,  c o n t a c t  u s  u p o n  r e c e i p t  o f  t h i s  A g r e e m e n t  a t  t h e  G e n e r a l  p h o n e  n u m b e r  i n  t h e  H o w  t o  C o n t a c t
     U s  s e c t i o n  b e l o w  a n d  g i v e  u s  y o u r  s p o u s e � s  n a m e  a n d  a d d r e s s .
     P r i n t  D a t e :  T h i s  S u m m a r y  w a s  p r i n t e d  J u n e  2 0 2 1 .  T h e  i n f o r m a t i o n  w a s  a c c u r a t e  a s  o f  t h a t  d a t e  b u t  m a y  h a v e  c h a n g e d .  To  f i n d  o u t  m o r e ,
     c o n t a c t  u s  a t  t h e  G e n e r a l  m a i l i n g  a d d r e s s  o r  p h o n e  n u m b e r  i n  t h e  H o w  t o  C o n t a c t  U s  s e c t i o n  b e l o w.
     I s s u e r  N a m e : Yo u r  C a r d  i s  i s s u e d  b y  C o m e n i t y  C a p i t a l  B a n k .
     G o v e r n i n g  L a w :  T h i s  l o a n  i s  m a d e  i n  U t a h  a n d  t h i s  A g r e e m e n t  i s  g o v e r n e d  b y  U t a h  a n d  f e d e r a l  l a w.
     R a t e  I n f o r m a t i o n : T h e  f o l l o w i n g  c h a r t  p r o v i d e s  d e t a i l s  o n  y o u r  r a t e s  a s  o f  t h e  P r i n t  D a t e  s h o w n  a b o v e .  I f  t h i s  A g r e e m e n t  w a s  p r o v i d e d
     a t  p o i n t  o f  s a l e ,  r e v i e w  t h e  A g r e e m e n t  w i t h  y o u r  w e l c o m e  p a c k a g e  f o r  v a r i a b l e  r a t e  i n f o r m a t i o n  i n  e f f e c t  w i t h i n  3 0  d a y s  o f  m a i l i n g .
                                                   A P R            D a i l y  P e r i o d i c  R a t e M a r g i n
     P u r c h a s e s                             2 1 . 9 9 %      0 . 0 6 0 2 4 %     N / A
     A n n u a l  F e e : I f  t h e r e  i s  a n  A n n u a l  F e e  i n  t h e  F e e s  t a b l e  a b o v e ,  t h i s  f e e  w i l l  b e  c h a r g e d  w i t h  t h e  c l o s e  o f  y o u r  f i r s t  b i l l i n g  p e r i o d  a n d
     a n n u a l l y  t h e r e a f t e r.  W e  w i l l  r e f u n d  t h i s  f e e  i f  y o u  c l o s e  y o u r  A c c o u n t  w i t h i n  3 0  d a y s  o f  t h e  m a i l i n g  o r  d e l i v e r y  d a t e  o f  t h e  s t a t e m e n t  o n
     w h i c h  t h e  f e e  a p p e a r s .  T h e  f e e  i s  o t h e r w i s e  n o n - r e f u n d a b l e .
     L a t e  F e e : I f  y o u  d o  n o t  p a y  t h e  M i n i m u m  P a y m e n t  b y  t h e  D u e  D a t e ,  w e  c h a r g e  a  L a t e  F e e .  T h e  f e e  i s  $ 2 9  i f  y o u  w e r e  n o t  c h a r g e d  a
     L a t e  F e e  d u r i n g  t h e  p r i o r  s i x  b i l l i n g  p e r i o d s .  O t h e r w i s e ,  i t  i s  $ 4 0 .  T h i s  f e e  w i l l  n o t  e x c e e d  t h e  a m o u n t  p e r m i t t e d  b y  l a w.
     R e t u r n e d  P a y m e n t  F e e : I f  y o u  m a k e  a  p a y m e n t  t h a t  i s  n o t  h o n o r e d ,  w e  c h a r g e  a  R e t u r n e d  P a y m e n t  F e e  e v e n  i f  t h e  p a y m e n t  i s  h o n o r e d
     o n  r e s u b m i s s i o n .  T h e  f e e  i s  $ 2 9  i f  y o u  w e r e  n o t  c h a r g e d  a  R e t u r n e d  P a y m e n t  F e e  i n  t h e  s a m e  o r  t h e  p r i o r  s i x  b i l l i n g  p e r i o d s .  O t h e r w i s e ,
     i t  i s  $ 4 0 .  T h i s  f e e  w i l l  n o t  e x c e e d  t h e  a m o u n t  p e r m i t t e d  b y  l a w.
     A l t e r n a t i v e  P a y m e n t  M e t h o d  F e e : W e  m a y  a l l o w  y o u  t o  m a k e  a n  e x p e d i t e d  p a y m e n t  o v e r  t h e  p h o n e .  I f  y o u  d o ,  w e  m a y  c h a r g e  a  f e e .
     C u r r e n t l y,  t h a t  f e e  i s  u p  t o  $ 1 5 .  W e � l l  l e t  y o u  k n o w  t h e  c u r r e n t  f e e  b e f o r e  y o u  a u t h o r i z e  a n y  p a y m e n t  a n d  y o u  c a n  w i t h d r a w  y o u r  r e q u e s t
     i f  y o u  d o n � t  w a n t  t o  p a y  t h e  f e e .
     P r o m o t i o n a l  C r e d i t  P l a n  D e t a i l s  f o r  I K E A  P r o j e k t  C r e d i t  C a r d : P u r c h a s e s  o f  $ 5 0 0 . 0 0  o r  m o r e  m a d e  a t  a  p a r t i c i p a t i n g  I K E A  l o c a t i o n  o r
     t h e  I K E A  w e b s i t e  o n  a n  I K E A  P r o j e k t  C r e d i t  C a r d  A c c o u n t  m a y  b e  a u t o m a t i c a l l y  p l a c e d  o n  a  P r o m o t i o n a l  C r e d i t  P l a n  a s  d e s c r i b e d  b e l o w.
     I f  y o u  w o u l d  l i k e  u s  t o  m o v e  y o u r  p u r c h a s e  o r  p u r c h a s e s  t o  t h e  n o n - p r o m o t i o n a l  R e g u l a r  R e v o l v i n g  C r e d i t  P l a n ,  p l e a s e  c o n t a c t  u s  b y  t h e
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                   3/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
     P a y m e n t  D u e  D a t e  s h o w n  o n  y o u r  f i r s t  b i l l i n g  s t a t e m e n t  r e f l e c t i n g  t h e  p u r c h a s e  o r  p u r c h a s e s .  A s  o f  t h e  P r i n t  D a t e ,  y o u r  P u r c h a s e  A P R
     i s  2 1 . 9 9 % .
     C u r r e n t  o f f e r s  m a y  i n c l u d e :
     P u r c h a s e s  o f  $ 5 0 0 . 0 0  -  $ 1 , 4 9 9 . 9 9  �  6  M o n t h  Wa i v e d  I n t e r e s t ,  P a y m e n t  R e q u i r e d
     N o  I n t e r e s t  f o r  6  m o n t h s .  A f t e r  t h a t  t h e  P u r c h a s e  A P R  w i l l  a p p l y  t o  a n y  r e m a i n i n g  p l a n  b a l a n c e .
     P u r c h a s e s  o f  $ 1 , 5 0 0 . 0 0  -  $ 4 , 9 9 9 . 9 9  �  1 2  M o n t h  Wa i v e d  I n t e r e s t ,  P a y m e n t  R e q u i r e d
     N o  I n t e r e s t  f o r  1 2  m o n t h s .  A f t e r  t h a t  t h e  P u r c h a s e  A P R  w i l l  a p p l y  t o  a n y  r e m a i n i n g  p l a n  b a l a n c e .
     P u r c h a s e s  o f  $ 5 , 0 0 0 . 0 0  o r  m o r e  �  2 4  M o n t h  Wa i v e d  I n t e r e s t ,  P a y m e n t  R e q u i r e d
     N o  I n t e r e s t  f o r  2 4  m o n t h s .  A f t e r  t h a t  t h e  P u r c h a s e  A P R  w i l l  a p p l y  t o  a n y  r e m a i n i n g  p l a n  b a l a n c e .
     A p p l i c a b l e  t o  A l l  P r o m o t i o n a l  C r e d i t  P l a n s
          Av a i l a b l e  p l a n s  a n d  o f f e r  t e r m s  a r e  s u b j e c t  t o  c h a n g e .  P l a n  a v a i l a b i l i t y  m a y  b e  l i m i t e d  t o  c e r t a i n  l o c a t i o n s  o r  w e b
          p u r c h a s e s .  F o r  m o r e  i n f o r m a t i o n ,  v i s i t  a  p a r t i c i p a t i n g  I K E A  l o c a t i o n  o r  t h e  I K E A  w e b s i t e .
          M i n i m u m  p a y m e n t s  a r e  r e q u i r e d  f o r  e a c h  C r e d i t  P l a n .  R e v i e w  t h e  M i n i m u m  P a y m e n t  s e c t i o n  b e l o w  f o r  m o r e  d e t a i l s .
          M i n i m u m  p a y m e n t s  a r e  n o t  g u a r a n t e e d  t o  p a y  a n y  p r o m o t i o n a l  p l a n  b a l a n c e  w i t h i n  t h e  p r o m o t i o n a l  p e r i o d .  Yo u  m a y  h a v e  t o  p a y
          m o r e  t h a n  t h e  m i n i m u m  p a y m e n t  t o  a v o i d  p a y i n g  i n t e r e s t  a t  t h e  P u r c h a s e  A P R .  S o m e  b a l a n c e s  m a y  b e  p a i d  o f f  b e f o r e  t h e
          p r o m o t i o n a l  p e r i o d  e n d s .
          Yo u r  m i n i m u m  p a y m e n t  m a y  b e  h i g h e r  t h a n  i f  y o u  d i d  n o t  s e l e c t  p r o m o t i o n a l  f i n a n c i n g .
          Va l i d  f o r  s i n g l e  t r a n s a c t i o n  o n l y.  I f  t h e  s i n g l e  t r a n s a c t i o n  h a s  m u l t i p l e  s h i p m e n t s ,  e a c h  s h i p m e n t  m a y  r e s u l t  i n  a  s e p a r a t e  C r e d i t
          P l a n ,  s u b j e c t  t o  a  s e p a r a t e  m i n i m u m  p u r c h a s e  r e q u i r e m e n t  a n d  m i n i m u m  i n t e r e s t  c h a r g e .
     M i n i m u m  P a y m e n t :  Yo u  m a y  p a y  t h e  e n t i r e  A c c o u n t  b a l a n c e  a t  a n y  t i m e .  Yo u  m u s t  p a y  a t  l e a s t  t h e  M i n i m u m  P a y m e n t  e a c h  b i l l i n g  p e r i o d
     b y  t h e  D u e  D a t e  o n  y o u r  s t a t e m e n t .
     I f  t h e  N e w  B a l a n c e  o n  y o u r  s t a t e m e n t  i s  l e s s  t h a n  $ 2 9  ( o r  $ 3 5  i f  y o u  w e r e  c h a r g e d  a  L a t e  F e e  d u r i n g  t h e  p r i o r  s i x  b i l l i n g  p e r i o d s ) ,  t h e
     M i n i m u m  P a y m e n t  i s  t h e  N e w  B a l a n c e .  I f  t h e  N e w  B a l a n c e  i s  m o r e  t h a n  $ 2 9  ( o r  $ 3 5  i f  y o u  w e r e  c h a r g e d  a  L a t e  F e e  d u r i n g  t h e  p r i o r  s i x
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                   4/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
     b i l l i n g  p e r i o d s ) ,  t h e  M i n i m u m  P a y m e n t  i s  t h e  P a s t  D u e  a m o u n t  p l u s  t h e  s u m  o f  t h e  a m o u n t s  d u e  o n  e a c h  C r e d i t  P l a n  a s  f o l l o w s :
     R e g u l a r  P u r c h a s e ,  D e f e r r e d  I n t e r e s t ,
     P a y m e n t  R e q u i r e d  a n d  Wa i v e d  I n t e r e s t , 3 . 5 %  o f  p l a n  b a l a n c e  a t  e n d  o f  b i l l i n g  p e r i o d  r o u n d e d  u p  t o  n e a r e s t  $ 1  ( m i n i m u m  $ 5 )
     P a y m e n t  R e q u i r e d
     D e f e r r e d  I n t e r e s t ,  E q u a l  P a y m e n t  a n d P u r c h a s e  a m o u n t  d i v i d e d  b y  n u m b e r  o f  m o n t h s  i n  p r o m o t i o n a l  p e r i o d  r o u n d e d  u p  t o  n e a r e s t
     Wa i v e d  I n t e r e s t ,  E q u a l  P a y m e n t $ 1  ( m i n i m u m  $ 5 )
                                       P u r c h a s e  a m o u n t  i n c l u d i n g  c a l c u l a t e d  i n t e r e s t  c h a r g e s  f r o m  p u r c h a s e  d a t e  t h r o u g h  e n d  o f
     L o w  A P R ,  E q u a l  P a y m e n t p r o m o t i o n a l  p e r i o d  d i v i d e d  b y  n u m b e r  o f  m o n t h s  i n  p r o m o t i o n a l  p e r i o d  r o u n d e d  u p  t o
                                       n e a r e s t  $ 1  ( m i n i m u m  $ 5 )
     D e f e r r e d  I n t e r e s t ,  L o w  P a y m e n t  a n d
                                       1 %  o f  p l a n  b a l a n c e  a t  e n d  o f  b i l l i n g  p e r i o d  r o u n d e d  u p  t o  n e a r e s t  $ 1  ( m i n i m u m  $ 5 )
     Wa i v e d  I n t e r e s t ,  L o w  P a y m e n t
     B u d g e t  P a y m e n t  o r  O p e n  C h a r g e  B u d g e t M o n t h l y  p a y m e n t s  o f  $ 4 9 ,  $ 9 9 ,  $ 1 4 9 ,  $ 1 9 9  o r  $ 2 9 9 ,  a s  s p e c i f i e d  i n  o f f e r  b a s e d  o n
     P a y m e n t                     t r a n s a c t i o n  a m o u n t
                                       D e p e n d e n t  u p o n  a b o v e  f o r  c o r r e s p o n d i n g  C r e d i t  P l a n
     O p e n  C h a r g e  ( e x c e p t  O p e n  C h a r g e  B u d g e t
                                       I f  y o u r  b a l a n c e  i n c r e a s e s  d u r i n g  t h e  O p e n  C h a r g e  P e r i o d ,  y o u r  M i n i m u m  P a y m e n t  w i l l
     P a y m e n t )
                                       i n c r e a s e
     H o w  t o  C o n t a c t  U s :
     A r b i t r a t i o n  C l a i m s C o m e n i t y  C a p i t a l  B a n k ,  P O  B o x  1 8 2 4 3 6 ,  C o l u m b u s ,  O H  4 3 2 1 8 - 2 4 3 6
     A r b i t r a t i o n  R e j e c t i o n C o m e n i t y  C a p i t a l  B a n k ,  P O  B o x  1 8 2 4 2 2 ,  C o l u m b u s ,  O H  4 3 2 1 8 - 2 4 2 2
     B a n k r u p t c y  N o t i f i c a t i o n s C o m e n i t y  C a p i t a l  B a n k ,  B a n k r u p t c y  D e p a r t m e n t ,  P O  B o x  1 8 3 0 4 3 ,  C o l u m b u s ,  O H  4 3 2 1 8 - 3 0 4 3
     B i l l i n g  E r r o r s C o m e n i t y  C a p i t a l  B a n k ,  P O  B o x  1 8 2 6 2 0 ,  C o l u m b u s ,  O H  4 3 2 1 8 - 2 6 2 0
     C r e d i t  R e p o r t i n g  D i s p u t e s C o m e n i t y  C a p i t a l  B a n k ,  P O  B o x  1 8 2 1 2 0 ,  C o l u m b u s ,  O H  4 3 2 1 8 - 2 1 2 0
     D i s p u t e d  D e b t s 6 5 5 0  N o r t h  L o o p  1 6 0 4  E a s t ,  S u i t e  1 0 1 ,  S a n  A n t o n i o ,  T X  7 8 2 4 7 - 5 0 0 4
                                C r e d i t  C a r d  C u s t o m e r  C a r e :
                                �  I K E A  P r o j e k t � :  1 - 8 6 6 - 3 3 7 - 5 5 3 9
                                �  T D D / T T Y:  1 - 8 8 8 - 8 1 9 - 1 9 1 8
     G e n e r a l
                                �  c o m e n i t y. n e t / I K E A p r o j e k t
                                �  C o m e n i t y  C a p i t a l  B a n k ,  P O  B o x  1 8 3 0 0 3 ,  C o l u m b u s ,  O H  4 3 2 1 8 - 3 0 0 3
                                W h e n  w r i t i n g ,  i n c l u d e  y o u r  n a m e ,  a d d r e s s ,  p h o n e  n u m b e r  a n d  A c c o u n t  n u m b e r.
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                   5/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
                                            C r e d i t  C a r d  A g r e e m e n t
     T h i s  A g r e e m e n t ,  i n c l u d i n g  t h e  S u m m a r y,  i s  y o u r  c o n t r a c t  w i t h  u s .  R e a d  i t  a n d  k e e p  i t .
     A c c e p t a n c e :  Yo u  a c c e p t  t h i s  A g r e e m e n t  i f  y o u  u s e  t h e  A c c o u n t  o r  y o u  d o  n o t  c a n c e l  y o u r  A c c o u n t  w i t h i n  3 0  d a y s  a f t e r  d e l i v e r y  o f  t h e
     A g r e e m e n t .  Yo u r  s i g n a t u r e  o n  a n y  a p p l i c a t i o n  o r  s o l i c i t a t i o n  f o r  t h i s  A c c o u n t  o r  o t h e r  e v i d e n c e  o f  i n d e b t e d n e s s  o n  y o u r  A c c o u n t  i s  y o u r
     s i g n a t u r e  o n  t h i s  A g r e e m e n t .
     A r b i t r a t i o n :  T h i s  A g r e e m e n t  i n c l u d e s  a n  A r b i t r a t i o n  P r o v i s i o n  w i t h  c l a s s  a c t i o n  a n d  j u r y  t r i a l  w a i v e r s .  Yo u  c a n  r e j e c t  t h e  A r b i t r a t i o n
     P r o v i s i o n .  I f  y o u  d o  n o t ,  i t  w i l l  b e  p a r t  o f  t h i s  A g r e e m e n t .
     C h a n g e s :  T h e  r a t e s ,  f e e s  a n d  t e r m s  o f  t h i s  A g r e e m e n t  m a y  c h a n g e  a n d  w e  m a y  a d d  o r  d e l e t e  a n y  t e r m .  W e  w i l l  g i v e  y o u  a d v a n c e
     n o t i c e  a n d  a  r i g h t  t o  r e j e c t ,  i f  r e q u i r e d  b y  l a w.
                                                   D e f i n i t i o n s
     A c c o u n t : t h e  c r e d i t  c a r d  a c c o u n t  w i t h  u s  u n d e r  t h i s  A g r e e m e n t .
     A u t h o r i z e d  U s e r : a n y  p e r s o n  y o u  a l l o w  t o  u s e  y o u r  A c c o u n t .
     C a r d : o n e  o r  m o r e  c a r d s  o r  a c c e s s  d e v i c e s ,  i n c l u d i n g  y o u r  A c c o u n t  n u m b e r  o r  v i r t u a l  c a r d ,  w e  i s s u e  t o  y o u ,  o r  s o m e o n e  y o u  a u t h o r i z e ,
     t o  g e t  c r e d i t  u n d e r  t h i s  A g r e e m e n t .
     C a s h  A d v a n c e : i f  a p p l i c a b l e ,  t h e  u s e  o f  y o u r  A c c o u n t  t o :
          g e t  c a s h  f r o m  a n  AT M ,  f i n a n c i a l  i n s t i t u t i o n  o r  o t h e r  l o c a t i o n ;
          b u y  l o t t e r y  t i c k e t s ,  m o n e y  o r d e r s ,  f o r e i g n  c u r r e n c y,  g i f t  c a r d s  o r  s i m i l a r  i t e m s ;
          g e t  c a s h  o r  p a y  s o m e o n e  u s i n g  a  c h e c k  w e  o f f e r  f o r  t h a t  p u r p o s e ;
          m a k e  a n y  o t h e r  t r a n s a c t i o n  t h e  m e r c h a n t  c o d e s  a s  a  c a s h  a d v a n c e ,  m o n e y  t r a n s f e r  o r  g a m b l i n g .
     B a l a n c e  t r a n s f e r s  a r e  C a s h  A d v a n c e s  u n l e s s  w e  t e l l  y o u  o t h e r w i s e .
     C r e d i t  P l a n : e a c h  b a l a n c e  s u b j e c t  t o  d i f f e r e n t  f i n a n c i n g  t e r m s ,  s u c h  a s  r e g u l a r  p u r c h a s e s ,  C a s h  A d v a n c e s ,  a n d  p r o m o t i o n a l  p l a n s .
     M a r g i n : t h e  a m o u n t  a d d e d  t o  t h e  P r i m e  R a t e  t o  d e t e r m i n e  a  v a r i a b l e  A P R .
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                   6/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
     P r i m e  R a t e : t h e  U . S .  P r i m e  R a t e  i n  t h e  M o n e y  R a t e s  s e c t i o n  o f  T h e  Wa l l  S t r e e t  J o u r n a l  o n  t h e  l a s t  b u s i n e s s  d a y  o f  t h e  c a l e n d a r  m o n t h .
     W e ,  u s o r  o u r : t h e  i s s u e r  o f  y o u r  C a r d  a n d  i t s  s u c c e s s o r s  a n d  a s s i g n e e s .
     Yo u ,  y o u r o r  y o u r s : e a c h  p e r s o n  w h o  s u b m i t s  a n  a p p l i c a t i o n  o r  s o l i c i t a t i o n  f o r  a n  A c c o u n t  a n d  a n y  o t h e r  p e r s o n  c o n t r a c t u a l l y  l i a b l e
     u n d e r  t h i s  A g r e e m e n t .
                                               U s i n g  Yo u r  A c c o u n t
                       Yo u  a g r e e  t o  u s e  y o u r  A c c o u n t  i n  a c c o r d a n c e  w i t h  t h i s  A g r e e m e n t .  Yo u  a g r e e  t o  p a y  u s  f o r  a l l  a m o u n t s  d u e  o n
     Yo u r  A g r e e m e n t y o u r  A c c o u n t ,  i n c l u d i n g  c h a r g e s  m a d e  b y  A u t h o r i z e d  U s e r s .  Yo u  a g r e e  n o t  t o  u s e  y o u r  A c c o u n t  f o r  i l l e g a l
                       t r a n s a c t i o n s .
                       Yo u  m a y  u s e  y o u r  A c c o u n t  t o  m a k e  p u r c h a s e s  a n y w h e r e  t h e  C a r d  i s  a c c e p t e d .  I f  y o u r  C a r d  h a s  t h e  l o g o  o f  o n e
     U s e  o f  A c c o u n t
                       o f  o u r  n e t w o r k  p r o v i d e r s  ( e . g . ,  V i s a  a n d  M a s t e r c a r d ) ,  y o u  m a y  u s e  y o u r  A c c o u n t  t o  m a k e  C a s h  A d v a n c e s .
                       Yo u  m a y  r e q u e s t  C a r d s  f o r  A u t h o r i z e d  U s e r s .  Yo u  m u s t  n o t i f y  u s  i f  y o u  w i s h  t o  c a n c e l  t h e  a u t h o r i t y  o f  a n
     A u t h o r i z e d  U s e r s
                       A u t h o r i z e d  U s e r  t o  u s e  y o u r  A c c o u n t .
                       I f  t h i s  i s  a  j o i n t  A c c o u n t ,  e a c h  o f  y o u  a g r e e s  t o  b e  i n d i v i d u a l l y  a n d  j o i n t l y  l i a b l e  f o r  t h e  e n t i r e  a m o u n t  o w e d .  A n y
     J o i n t  A c c o u n t s
                       n o t i c e  w e  s e n d  t o  e i t h e r  o f  y o u  w i l l  s e r v e  a s  n o t i c e  t o  b o t h  o f  y o u .
                       W e  m a y  d e c l i n e  t o  a u t h o r i z e  a  t r a n s a c t i o n  f o r  a n y  r e a s o n .  W e  w i l l  n o t  b e  l i a b l e  t o  y o u  i f  w e  d o  o r  i f  a n y o n e
     C r e d i t  A u t h o r i z a t i o n s
                       r e f u s e s  a n y  u s e  o f  y o u r  C a r d .
                       W e  w i l l  t e l l  y o u  y o u r  c r e d i t  l i m i t  o r  l i m i t s .  K e e p  y o u r  b a l a n c e  b e l o w  y o u r  c r e d i t  l i m i t  o r  l i m i t s .  I f  y o u  d o  n o t ,  y o u
     C r e d i t  L i m i t
                       m u s t  s t i l l  p a y  u s .  W e  m a y  c h a n g e  y o u r  c r e d i t  l i m i t  o r  l i m i t s  a t  a n y  t i m e ,  w i t h o u t  n o t i c e .
     P r o m o t i o n a l  C r e d i t W e  m a y  o f f e r  s p e c i a l  f i n a n c i n g  t e r m s ,  s u c h  a s  d e f e r r e d  i n t e r e s t ,  w a i v e d  i n t e r e s t ,  l o w  A P R  o r  e q u a l  p a y m e n t
     P l a n s         o p t i o n s .  T h e  C r e d i t  P l a n  o r  P l a n s  w i l l  b e  s u b j e c t  t o  t h e  t e r m s  o f  t h e  o f f e r  a n d  t h i s  A g r e e m e n t .
                       A p p l i c a t i o n s  ( a p p s )  o n  e l e c t r o n i c  d e v i c e s  ( s u c h  a s  m o b i l e  w a l l e t s )  c a n  s t o r e  y o u r  C a r d  a n d  b e  u s e d  t o  g e t  c r e d i t
     E l e c t r o n i c  A c c e s s u n d e r  t h i s  A g r e e m e n t .  S u c h  t r a n s a c t i o n s  a r e  c o v e r e d  b y  t h i s  A g r e e m e n t .  A p p s  m a y  h a v e  s e p a r a t e  t e r m s  o f  u s e .
                       W e  a r e  n o t  r e s p o n s i b l e  f o r  a n y  c o n s e q u e n c e s  f r o m  y o u r  v i o l a t i o n  o f  t h o s e  t e r m s .
                                         A P R s  a n d  I n t e r e s t  B a s e d  o n  A P R s
                                 R e v i e w  y o u r  S u m m a r y  f o r  t h e  A P R s  t h a t  a p p l y  t o  y o u r  A c c o u n t
     Va r i a b l e  A P R s W e  a d d  t h e  a p p l i c a b l e  M a r g i n  s p e c i f i e d  i n  t h e  R a t e  I n f o r m a t i o n  c h a r t  o n  t h e  S u m m a r y  t o  t h e  P r i m e  R a t e  t o
                       d e t e r m i n e  Va r i a b l e  A P R s .  Va r i a b l e  A P R s  i n c r e a s e  o r  d e c r e a s e  w h e n  t h e  P r i m e  R a t e  c h a n g e s  b u t  w i l l  n o t  e x c e e d
                       a n y  M a x i m u m  A P R  s p e c i f i e d  i n  t h e  R a t e  I n f o r m a t i o n  c h a r t .
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                   7/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
                       A n y  A P R  c h a n g e  w i l l  t a k e  e f f e c t  o n  t h e  f i r s t  d a y  o f  t h e  b i l l i n g  p e r i o d  t h a t  b e g i n s  a f t e r  t h e  P r i m e  R a t e  c h a n g e s .
                       I n c r e a s e d  A P R s  w i l l  i n c r e a s e  y o u r  i n t e r e s t  c h a r g e s  a n d  m a y  i n c r e a s e  y o u r  M i n i m u m  P a y m e n t .
                       W e  c a l c u l a t e  i n t e r e s t  f o r  e a c h  C r e d i t  P l a n  e a c h  d a y  b y  a p p l y i n g  t h e  a p p l i c a b l e  d a i l y  p e r i o d i c  r a t e  t o  t h e  d a i l y
                       b a l a n c e .  T h e  d a i l y  p e r i o d i c  r a t e  i s  t h e  A P R  f o r  t h e  C r e d i t  P l a n  d i v i d e d  b y  3 6 5 .
                       W e  s t a r t  w i t h  t h e  b e g i n n i n g  b a l a n c e  e a c h  d a y  ( i n c l u d i n g  u n p a i d  i n t e r e s t  a n d  f e e s ) .
                       W e  a d d  n e w  t r a n s a c t i o n s  a n d  f e e s  t o  t h e  a p p l i c a b l e  C r e d i t  P l a n .  W e  a d d  t r a n s a c t i o n  f e e s  t o  t h e  s a m e  C r e d i t
                       P l a n  a s  t h e  t r a n s a c t i o n .  W e  a d d  a l l  o t h e r  f e e s  t o  t h e  r e g u l a r  p u r c h a s e  C r e d i t  P l a n .
     D a i l y  B a l a n c e  M e t h o d W e  s u b t r a c t  n e w  c r e d i t s  a n d  p a y m e n t s  f r o m  t h e  a p p l i c a b l e  C r e d i t  P l a n  a n d  m a k e  o t h e r  a d j u s t m e n t s  t o  g e t  t h e
     ( i n c l u d i n g  c u r r e n t p a r t i a l  d a i l y  b a l a n c e .
     t r a n s a c t i o n s ) W e  m u l t i p l y  t h e  p a r t i a l  d a i l y  b a l a n c e  b y  t h e  d a i l y  p e r i o d i c  r a t e  t o  g e t  t h e  d a i l y  i n t e r e s t .
                       W e  a d d  t h e  d a i l y  i n t e r e s t  t o  t h e  p a r t i a l  d a i l y  b a l a n c e  t o  g e t  t h e  d a i l y  b a l a n c e .  T h i s  r e s u l t s  i n  d a i l y  c o m p o u n d i n g
                       o f  i n t e r e s t .
                       W e  a d d  a l l  t h e  d a i l y  i n t e r e s t  t o  g e t  t h e  t o t a l  i n t e r e s t  f o r  t h e  C r e d i t  P l a n  f o r  t h e  b i l l i n g  p e r i o d .  F o r  a  D e f e r r e d
                       I n t e r e s t  C r e d i t  P l a n ,  t h i s  i n t e r e s t  i s  d e f e r r e d .
                       W e  r o u n d  i n t e r e s t  t o  t h e  n e a r e s t  c e n t .
     I n t e r e s t   C h a r g i n g  I n t e r e s t :  I n t e r e s t  b e g i n s  o n  a  t r a n s a c t i o n ,  f e e  o r  i n t e r e s t  f r o m  t h e  d a y  a d d e d  t o  t h e  d a i l y  b a l a n c e  u n t i l
                       p a i d  i n  f u l l .
                       H o w  t o  Av o i d  P a y i n g  I n t e r e s t  o n  R e g u l a r  P u r c h a s e s  ( G r a c e  P e r i o d ) :  I f  y o u  d i d  n o t  h a v e  a  P r e v i o u s  B a l a n c e ,
                       o r  i f  y o u  p a i d  t h e  N e w  B a l a n c e  o n  y o u r  p r e v i o u s  s t a t e m e n t  b y  t h e  D u e  D a t e  o n  t h a t  s t a t e m e n t ,  w e  w i l l  n o t
                       c h a r g e  i n t e r e s t  o n  n e w  r e g u l a r  p u r c h a s e s ,  o r  a n y  p o r t i o n  t h e r e o f ,  p a i d  b y  t h e  D u e  D a t e  o n  y o u r  c u r r e n t
                       s t a t e m e n t . I f  y o u  h a v e  p r o m o t i o n a l  C r e d i t  P l a n s  a n d / o r  b a l a n c e  t r a n s f e r s ,  w e  m a y  e x c l u d e  s o m e  o f  t h o s e
                       b a l a n c e s  f r o m  t h e  a m o u n t  y o u  h a v e  t o  p a y  i n  a  b i l l i n g  p e r i o d  t o  k e e p  y o u r  G r a c e  P e r i o d .  H o w e v e r,  y o u  m u s t  p a y
                       ( i )  a n y  r e q u i r e d  m i n i m u m  p a y m e n t  o n  s u c h  b a l a n c e s ,  ( i i )  t h e  f u l l  a m o u n t  o f  a n y  C a s h  A d v a n c e s  a n d  ( i i i )  t h e  f u l l
                       a m o u n t  o f  a n y  p r o m o t i o n a l  C r e d i t  P l a n  t h a t  e x p i r e s  i n  t h a t  b i l l i n g  p e r i o d .
                       Yo u  C o u l d  L o s e  Yo u r  G r a c e  P e r i o d :  I f  y o u  d o  n o t  p a y  y o u r  N e w  B a l a n c e  i n  f u l l  e a c h  b i l l i n g  p e r i o d ,  t h e n ,
                       d e p e n d i n g  o n  h o w  w e  a p p l y  y o u r  p a y m e n t ,  y o u  m a y  n o t  g e t  a  G r a c e  P e r i o d  o n  n e w  r e g u l a r  p u r c h a s e s .  O n c e  y o u
                       l o s e  y o u r  G r a c e  P e r i o d ,  y o u  c a n  g e t  i t  b a c k  b y  p a y i n g  t h e  N e w  B a l a n c e  ( l e s s  a n y  p r o m o t i o n a l  C r e d i t  P l a n s  a n d / o r
                       b a l a n c e  t r a n s f e r s  a s  d e s c r i b e d  a b o v e  p l u s  a n y  i n t e r e s t  c h a r g e d  u p  t o  t h e  d a t e  t h e  p a y m e n t  p o s t s )  i n  f u l l  f o r  t w o
                       b i l l i n g  p e r i o d s  i n  a  r o w.
                       Wa i v e d  I n t e r e s t  C r e d i t  P l a n :  W e  d o  n o t  i m p o s e  i n t e r e s t  o n  p l a n  b a l a n c e s  d u r i n g  t h e  p r o m o t i o n a l  p e r i o d .  A f t e r
                       t h e  p r o m o t i o n a l  p e r i o d ,  a n y  r e m a i n i n g  b a l a n c e  i s  a d d e d  t o  t h e  r e g u l a r  p u r c h a s e  b a l a n c e  a n d  i s  s u b j e c t  t o  i n t e r e s t
                       a t  t h e  t h e n - c u r r e n t  r a t e  f o r  r e g u l a r  p u r c h a s e s .
                       D e f e r r e d  I n t e r e s t  C r e d i t  P l a n :  I n t e r e s t  a c c r u e s  o n  p l a n  b a l a n c e s  f r o m  t h e  t r a n s a c t i o n  d a t e .  W e  d o  n o t  i m p o s e
                       t h a t  i n t e r e s t  i f  y o u  p a y  t h e  b a l a n c e  i n  f u l l  b y  t h e  e n d  o f  t h e  p r o m o t i o n a l  p e r i o d .  A f t e r  t h e  p r o m o t i o n a l  p e r i o d ,  a n y
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                   8/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
                       r e m a i n i n g  b a l a n c e  a n d  i n t e r e s t  f r o m  t h e  t r a n s a c t i o n  d a t e  i s  a d d e d  t o  t h e  r e g u l a r  p u r c h a s e  b a l a n c e  a n d  i s  s u b j e c t
                       t o  i n t e r e s t  a t  t h e  t h e n - c u r r e n t  r a t e  f o r  r e g u l a r  p u r c h a s e s .
                                                    P a y m e n t s
                       W e  c r e d i t  p a y m e n t s  i n  a c c o r d a n c e  w i t h  t h e  t e r m s  o n  y o u r  s t a t e m e n t .  R e v i e w  y o u r  s t a t e m e n t  f o r  d e t a i l s .
     P a y m e n t  I n s t r u c t i o n s P a y  i n  U . S .  d o l l a r s ,  i n  f u n d s  o n  d e p o s i t  i n  t h e  U . S .  I f  y o u  d o n � t ,  w e  m a y  r e f u s e  y o u r  p a y m e n t  o r  c h a r g e  y o u  o u r
                       c o s t s  t o  c o l l e c t  t h e  f u n d s .
                       W e  a p p l y  p a y m e n t s  u p  t o  t h e  M i n i m u m  P a y m e n t  a t  o u r  d i s c r e t i o n ,  w h i c h  m a y  r e s u l t  i n  b a l a n c e s  a t  l o w e r  A P R s
     H o w  W e  A p p l y
                       b e i n g  p a i d  f i r s t  a n d  h i g h e r  i n t e r e s t  c h a r g e s .  P a y m e n t s  o v e r  t h e  M i n i m u m  P a y m e n t  w i l l  b e  a p p l i e d  i n  a c c o r d a n c e
     P a y m e n t s
                       w i t h  l a w.
                                                O t h e r  I n f o r m a t i o n
                       Yo u  a r e  i n  d e f a u l t  i f :
                       �  y o u  f a i l  t o  c o m p l y  w i t h  t h i s  A g r e e m e n t  o r  a n y  o t h e r  a g r e e m e n t  w i t h  u s  o r  a n  a f f i l i a t e ;
                       �  a  b a n k r u p t c y  o r  o t h e r  i n s o l v e n c y  p r o c e e d i n g  i s  f i l e d  b y  o r  a g a i n s t  y o u ;
                       �  w e  r e a s o n a b l y  b e l i e v e  y o u  a r e  u n a b l e  o r  u n w i l l i n g  t o  r e p a y  u s ;
     D e f a u l t
                       �  y o u  d i e  o r  a r e  l e g a l l y  i n c o m p e t e n t  o r  i n c a p a c i t a t e d ;
                       �  y o u  g i v e  u s  m i s l e a d i n g ,  f a l s e ,  i n c o m p l e t e  o r  i n c o r r e c t  i n f o r m a t i o n  o r  f a i l  t o  g i v e  u s  a n y  i n f o r m a t i o n  w e  d e e m
                       n e c e s s a r y.
                       I f  y o u  a r e  i n  d e f a u l t ,  w e  m a y  d e c l a r e  t h e  e n t i r e  b a l a n c e  i m m e d i a t e l y  d u e  a n d  p a y a b l e  w i t h o u t  n o t i c e .
                       I f  w e  u s e  a n  a t t o r n e y  t o  c o l l e c t  y o u r  A c c o u n t ,  w e  m a y  c h a r g e  y o u  o u r  c o s t s  i f  a n d  a s  p e r m i t t e d  b y  l a w.  T h e s e
     C o l l e c t i o n  C o s t s
                       m a y  i n c l u d e  r e a s o n a b l e  a t t o r n e y s �  f e e s  a n d  c o u r t  c o s t s .
                       Yo u  a u t h o r i z e  u s  t o  s h a r e  i n f o r m a t i o n  a b o u t  y o u  a n d  y o u r  A c c o u n t  a s  p e r m i t t e d  b y  l a w.  R e v i e w  o u r  P r i v a c y
     P r i v a c y  P o l i c y
                       S t a t e m e n t  f o r  d e t a i l s  a b o u t  o u r  i n f o r m a t i o n  s h a r i n g  p r a c t i c e s .
                       W e  m a y  c h e c k  y o u r  c r e d i t ,  e m p l o y m e n t  a n d  i n c o m e  r e c o r d s  i n  c o n n e c t i o n  w i t h  a n  a p p l i c a t i o n ,  u p d a t e ,  r e n e w a l  o r
                       e x t e n s i o n  o f  c r e d i t  o n  y o u r  A c c o u n t  ( i n c l u d i n g  c o l l e c t i o n s  a n d  d i s p u t e  i n v e s t i g a t i o n s ) .  Yo u  c o n s e n t  t o  o u r
                       o b t a i n i n g  s u c h  r e c o r d s  b y  s u b m i t t i n g  a n  a p p l i c a t i o n  o r  s o l i c i t a t i o n .  U p o n  r e q u e s t ,  w e  w i l l  t e l l  y o u  t h e  n a m e  a n d
     C r e d i t  R e p o r t i n g
                       a d d r e s s  o f  a n y  c r e d i t  r e p o r t i n g  a g e n c y  t h a t  f u r n i s h e d  a  r e p o r t  o n  y o u .  W e  m a y  r e p o r t  A c c o u n t  s t a t u s  a n d
                       p a y m e n t  h i s t o r y  t o  c r e d i t  r e p o r t i n g  a g e n c i e s ,  o t h e r  c r e d i t o r s  a n d  t h e  c o m p a n y  w h o s e  n a m e  o r  b r a n d  a p p e a r s  o n
                       y o u r  C a r d .
                       N o t i f y  u s  i m m e d i a t e l y  a t  t h e  G e n e r a l  m a i l i n g  a d d r e s s  o r  p h o n e  n u m b e r  i n  t h e  H o w  t o  C o n t a c t  U s  s e c t i o n  o f  t h e
     U n a u t h o r i z e d  U s e S u m m a r y  a n d  a s s i s t  u s  i n  o u r  i n v e s t i g a t i o n  i f  y o u r  C a r d  i s  l o s t  o r  s t o l e n  o r  y o u  b e l i e v e  s o m e o n e  i s  u s i n g  y o u r
                       C a r d  w i t h o u t  y o u r  p e r m i s s i o n .
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                   9/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
     C l o s i n g  Yo u r  A c c o u n t Yo u  m a y  c l o s e  y o u r  A c c o u n t  a t  a n y  t i m e .  Yo u  r e m a i n  r e s p o n s i b l e  f o r  a n y  a m o u n t  o w e d  u n d e r  t h i s  A g r e e m e n t .  W e
                       m a y  c l o s e ,  s u s p e n d  o r  n o t  r e n e w  y o u r  A c c o u n t  a t  a n y  t i m e ,  f o r  a n y  r e a s o n ,  w i t h o u t  n o t i c e .
                       I f  a p p l i c a b l e ,  t r a n s a c t i o n s  i n  f o r e i g n  c u r r e n c y  a r e  c o n v e r t e d  t o  U . S .  d o l l a r s  b y  o u r  n e t w o r k  p r o v i d e r s  ( e . g . ,  V i s a
                       a n d  M a s t e r c a r d )  u s i n g  t h e i r  p r o c e d u r e s  i n  e f f e c t  w h e n  t h e  t r a n s a c t i o n  i s  p r o c e s s e d .  C u r r e n t l y,  t h e y  u s e  a
                       g o v e r n m e n t - m a n d a t e d  o r  w h o l e s a l e  r a t e .  T h e s e  p r o c e d u r e s  m a y  c h a n g e  w i t h o u t  n o t i c e .
                       T h e  c o n v e r s i o n  r a t e  y o u  g e t  m a y  d i f f e r  f r o m  t h e  r a t e  o n  t h e  t r a n s a c t i o n  o r  p o s t  d a t e  a n d  f r o m  t h e  r a t e  o u r
     F o r e i g n  Tr a n s a c t i o n s
                       n e t w o r k  p r o v i d e r  g e t s .  A  t h i r d  p a r t y  m a y  c o n v e r t  a  t r a n s a c t i o n  i n t o  U . S .  d o l l a r s  o r  a n o t h e r  c u r r e n c y,  u s i n g  a  r a t e
                       t h e y  s e l e c t ,  b e f o r e  s e n d i n g  i t  t o  o u r  n e t w o r k  p r o v i d e r.
                       F o r  a n y  t r a n s a c t i o n  m a d e  o r  p r o c e s s e d  o u t s i d e  t h e  U . S .  o r  i n  a  f o r e i g n  c u r r e n c y,  w e  c h a r g e  a  f e e  i n  t h e  a m o u n t
                       o n  t h e  S u m m a r y. 
                       I f  a n y  p a r t  o f  t h i s  A g r e e m e n t  c o n f l i c t s  w i t h  a p p l i c a b l e  l a w,  t h a t  p r o v i s i o n  w i l l  b e  c o n s i d e r e d  m o d i f i e d  t o  c o n f o r m
     C o n f o r m a n c e  w i t h
                       t o  a p p l i c a b l e  l a w.  I f  a n y  p a r t  o f  t h i s  A g r e e m e n t  i s  i n v a l i d ,  t h e  r e s t  s h a l l  r e m a i n  i n  e f f e c t ,  e x c e p t  a s  o t h e r w i s e
     L a w ;  S e v e r a b i l i t y
                       n o t e d  i n  t h e  A r b i t r a t i o n  P r o v i s i o n .
     N o  Wa i v e r   W e  w i l l  n o t  l o s e  o u r  r i g h t s  u n d e r  t h i s  A g r e e m e n t  b e c a u s e  w e  d e l a y  o r  d o  n o t  e n f o r c e  t h e m .
                       W e  m a y  a s s i g n  a n y  o r  a l l  o f  o u r  r i g h t s  a n d  o b l i g a t i o n s  u n d e r  t h i s  A g r e e m e n t  t o  a  t h i r d  p a r t y.  Yo u  m a y  n o t  a s s i g n
     A s s i g n m e n t
                       a n y  o f  y o u r  r i g h t s  o r  o b l i g a t i o n s  u n d e r  t h i s  A g r e e m e n t .
     N e w  J e r s e y  R e s i d e n t s A l l  p r o v i s i o n s  o f  t h i s  a g r e e m e n t  a r e  v a l i d ,  e n f o r c e a b l e  a n d  a p p l i c a b l e  i n  N e w  J e r s e y.
                                             C o m m u n i c a t i o n s  w i t h  U s
     M o n i t o r i n g  a n d  R e c o r d i n g : Yo u r  c o m m u n i c a t i o n s  w i t h  u s  a n d  o u r  a f f i l i a t e s ,  s e r v i c e r s ,  a g e n t s  a n d  c o n t r a c t o r s  m a y  b e  m o n i t o r e d  o r
     r e c o r d e d .  I n f o r m  A u t h o r i z e d  U s e r s  a n d  p e r s o n s  a c t i n g  o n  y o u r  b e h a l f  o r  m a k i n g  p a y m e n t s  o n  t h i s  A c c o u n t  o f  t h i s  p r o v i s i o n .
     C o m m u n i c a t i o n  A u t h o r i z a t i o n : Yo u  g i v e  d i r e c t  c o n s e n t  t o  u s  a n d  o u r  a f f i l i a t e s ,  s e r v i c e r s ,  a g e n t s  a n d  c o n t r a c t o r s ,  i n c l u d i n g  c o l l e c t i o n
     a g e n t s ,  t o  c o m m u n i c a t e  w i t h  y o u  i n  a n y  w a y  t o  s e r v i c e  o r  c o l l e c t  y o u r  A c c o u n t ,  s u c h  a s  c a l l i n g ,  t e x t i n g  o r  e m a i l  v i a :
          a n y  p h o n e  n u m b e r  y o u  g i v e  u s  e v e n  i f  t h e  n u m b e r  i s  o r  c o n v e r t s  t o  a  m o b i l e  p h o n e  n u m b e r ;
          a n y  o t h e r  n u m b e r  y o u  p r o v i d e ,  u s e  t o  c o n t a c t  u s  o r  m a y  u t i l i z e ;
          a n y  o t h e r  d e v i c e  o r  s e r v i c e  f o r  w h i c h  y o u  m a y  b e  c h a r g e d  f o r  t h e  c a l l ,  i n c l u d i n g  Vo i c e  O v e r  I n t e r n e t  P r o t o c o l  ( V O I P ) ;  a n d
          a n y  e m a i l  a d d r e s s  y o u  p r o v i d e  t o  u s  o r  a n y  o t h e r  p e r s o n  o r  c o m p a n y  t h a t  p r o v i d e s  a n y  s e r v i c e s  i n  c o n n e c t i o n  w i t h  t h i s  A g r e e m e n t .
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  10/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
     S u b j e c t  t o  a n y  r e s t r i c t i o n s  o f  a p p l i c a b l e  l a w,  w e  m a y  c o n t a c t  y o u  u s i n g  a u t o m a t e d  t e l e p h o n e  d i a l i n g  s y s t e m s  a n d / o r  p r e - r e c o r d e d  o r
     a r t i f i c i a l  v o i c e  m e s s a g e s  a n d  a n y  o t h e r  f o r m  o f  c o m m u n i c a t i o n .
     C o m m u n i c a t i o n s  m a y  r e s u l t  i n  a d d i t i o n a l  m o b i l e ,  t e x t  m e s s a g e ,  d a t a  o r  o t h e r  c h a r g e s .
     Yo u  m a y  c h a n g e  y o u r  p r e f e r e n c e s  b y  c a l l i n g  t h e  G e n e r a l  p h o n e  n u m b e r  o n  t h e  S u m m a r y.
     D i s p u t e d  D e b t s :  A l l  w r i t t e n  c o m m u n i c a t i o n s  a b o u t  d i s p u t e d  a m o u n t s ,  i n c l u d i n g  a n y  c h e c k  o r  p a y m e n t  i n s t r u m e n t  m a r k e d  � p a y m e n t  i n  f u l l �
     o r  s i m i l a r,  m u s t  b e  s e n t  t o  t h e  a d d r e s s  f o r  D i s p u t e d  D e b t s  o n  t h e  S u m m a r y.  W e  m a y  a c c e p t  p a y m e n t s  s e n t  t o  a n y  o t h e r  a d d r e s s  w i t h o u t
     l o s i n g  o u r  r i g h t s .
     B a n k r u p t c y  N o t i f i c a t i o n s :  S e n d  b a n k r u p t c y  n o t i c e s  a n d  r e l a t e d  c o r r e s p o n d e n c e  t o  t h e  a d d r e s s  f o r  B a n k r u p t c y  N o t i f i c a t i o n s  o n  t h e
     S u m m a r y.
     C h a n g e s :  Yo u  a g r e e  t o  n o t i f y  u s  a t  t h e  G e n e r a l  p h o n e  n u m b e r  o r  a d d r e s s  o n  t h e  S u m m a r y  o r  b y  u p d a t i n g  y o u r  i n f o r m a t i o n  o n  A c c o u n t
     C e n t e r  i m m e d i a t e l y  u p o n  c h a n g i n g  y o u r  n a m e ,  e m a i l  a d d r e s s ,  m a i l i n g  a d d r e s s  o r  p h o n e  n u m b e r.
     C o m m u n i c a t i o n  i n  L a n g u a g e s  O t h e r  T h a n  E n g l i s h :  Yo u  a g r e e  t o  r e c e i v e  a l l  A c c o u n t  c o m m u n i c a t i o n s  i n  E n g l i s h .  W e  m a y,  a t  o u r  o p t i o n ,
     c o m m u n i c a t e  w i t h  y o u  i n  o t h e r  l a n g u a g e s  a s  a  c o u r t e s y.  W e  m a y  s t o p  c o m m u n i c a t i n g  w i t h  y o u  i n  n o n - E n g l i s h  l a n g u a g e s  a t  a n y  t i m e .
     W h i l e  w e  t r y  t o  e n s u r e  a c c u r a c y  o f  t r a n s l a t i o n s ,  w e  a r e  n o t  r e s p o n s i b l e  f o r  a n y  i n a c c u r a c i e s  i n  t r a n s l a t i o n  o r  m i s u n d e r s t a n d i n g s  d u e  t o
     d i f f e r e n c e s  i n  u s a g e  o r  d i a l e c t .  I n  t h e  e v e n t  o f  i n c o n s i s t e n c y  b e t w e e n  t h e  E n g l i s h  v e r s i o n  a n d  t h e  t r a n s l a t i o n ,  t h e  E n g l i s h  v e r s i o n  w i l l
     c o n t r o l .
                             N o t i c e  f o r  A c t i v e  D u t y  M i l i t a r y  M e m b e r s  a n d  T h e i r  D e p e n d e n t s
     T h e  f o l l o w i n g  d i s c l o s u r e s  a p p l y  t o  y o u  i f ,  i n  c o n n e c t i o n  w i t h  o p e n i n g  y o u r  A c c o u n t ,  w e  d e t e r m i n e  y o u  a r e  a  � c o v e r e d  b o r r o w e r �  a s
     d e f i n e d  i n  t h e  M i l i t a r y  L e n d i n g  A c t ,  w h i c h  i n c l u d e s  e l i g i b l e  a c t i v e  d u t y  m e m b e r s  o f  t h e  A r m e d  F o r c e s  a n d  t h e i r  d e p e n d e n t s :
          T h e  p r o v i s i o n  o f  t h i s  A g r e e m e n t  t i t l e d  � A r b i t r a t i o n  a n d  J u r y  Tr i a l  Wa i v e r �  d o e s  n o t  a p p l y  t o  y o u .
          F e d e r a l  l a w  p r o v i d e s  i m p o r t a n t  p r o t e c t i o n s  t o  m e m b e r s  o f  t h e  A r m e d  F o r c e s  a n d  t h e i r  d e p e n d e n t s  r e l a t i n g  t o  e x t e n s i o n s  o f
          c o n s u m e r  c r e d i t .  I n  g e n e r a l ,  t h e  c o s t  o f  c o n s u m e r  c r e d i t  t o  a  m e m b e r  o f  t h e  A r m e d  F o r c e s  a n d  h i s  o r  h e r  d e p e n d e n t  m a y  n o t
          e x c e e d  a n  a n n u a l  p e r c e n t a g e  r a t e  o f  3 6  p e r c e n t .  T h i s  r a t e  m u s t  i n c l u d e ,  a s  a p p l i c a b l e  t o  t h e  c r e d i t  t r a n s a c t i o n  o r  a c c o u n t :  T h e
          c o s t s  a s s o c i a t e d  w i t h  c r e d i t  i n s u r a n c e  p r e m i u m s ;  f e e s  f o r  a n c i l l a r y  p r o d u c t s  s o l d  i n  c o n n e c t i o n  w i t h  t h e  c r e d i t  t r a n s a c t i o n ;  a n y
          a p p l i c a t i o n  f e e  c h a r g e d  ( o t h e r  t h a n  c e r t a i n  a p p l i c a t i o n  f e e s  f o r  s p e c i f i e d  c r e d i t  t r a n s a c t i o n s  o r  a c c o u n t s ) ;  a n d  a n y  p a r t i c i p a t i o n  f e e
          c h a r g e d  ( o t h e r  t h a n  c e r t a i n  p a r t i c i p a t i o n  f e e s  f o r  a  c r e d i t  c a r d  a c c o u n t ) .
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  11/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
          To  h e a r  i n f o r m a t i o n  a b o u t  t h e s e  p r o t e c t i o n s  a n d  a  d e s c r i p t i o n  o f  y o u r  p a y m e n t  o b l i g a t i o n s ,  c a l l  t o l l  f r e e  a t  1 - 8 6 6 - 2 3 0 - 0 4 1 8 ( o r  a t
          t h e  G e n e r a l  T D D / T T Y  n u m b e r  o n  t h e  S u m m a r y ) .
                                          A r b i t r a t i o n  a n d  J u r y  Tr i a l  Wa i v e r
                       P l e a s e  r e v i e w  t h e  f o l l o w i n g  i m p o r t a n t  p r o v i s i o n s  c a r e f u l l y.  P a y  s p e c i a l  a t t e n t i o n  t o  P a r a g r a p h s :
                       �  A :  J u r y  Tr i a l  Wa i v e r ;
                       �  C :  A r b i t r a t i o n  P r o v i s i o n ;
     K e y  P r o v i s i o n s
                       �  C . 1 :  R i g h t  t o  R e j e c t ;
                       �  C . 6 :  C o u r t  a n d  J u r y  Tr i a l s  P r o h i b i t e d ;  O t h e r  L i m i t a t i o n s  o n  L e g a l  R i g h t s ;  a n d
                       �  C . 7 :  C l a s s  A c t i o n  Wa i v e r.
                       To  t h e  e x t e n t  p e r m i t t e d  b y  l a w,  y o u  a n d  w e  w a i v e  a n y  r i g h t  t o  t r i a l  b y  j u r y  i n  t h e  e v e n t  o f  a  l a w s u i t  a r i s i n g
                       o u t  o f  o r  r e l a t e d  t o  t h i s  A g r e e m e n t .  T h i s  j u r y  t r i a l  w a i v e r  s h a l l  n o t  a f f e c t  t h e  A r b i t r a t i o n  P r o v i s i o n  b e l o w
     A .  J u r y  Tr i a l  Wa i v e r
                       ( i n c l u d i n g  t h e  j u r y  t r i a l  w a i v e r  c o n t a i n e d  t h e r e i n ) .  Yo u  a n d  w e  e a c h  r e p r e s e n t  t h a t  t h i s  w a i v e r  i s  g i v e n
                       k n o w i n g l y,  w i l l i n g l y  a n d  v o l u n t a r i l y.
                       P r i o r  t o  b r i n g i n g  a  l a w s u i t  o r  i n i t i a t i n g  a n  a r b i t r a t i o n  t h a t  a s s e r t s  a  c l a i m  a r i s i n g  o u t  o f  o r  r e l a t e d  t o  t h i s
                       A g r e e m e n t  ( a s  f u r t h e r  d e f i n e d  b e l o w,  � C l a i m � ) ,  t h e  p a r t y  a s s e r t i n g  t h e  C l a i m  ( � C l a i m a n t � )  s h a l l  g i v e  t h e  o t h e r
                       p a r t y  ( � D e f e n d a n t � )  w r i t t e n  n o t i c e  o f  t h e  C l a i m  ( � C l a i m  N o t i c e � )  a n d  a  r e a s o n a b l e  o p p o r t u n i t y,  n o t  l e s s  t h a n  3 0
                       d a y s ,  t o  r e s o l v e  t h e  C l a i m .  A n y  C l a i m  N o t i c e  t o  y o u  s h a l l  b e  s e n t  t o  t h e  a d d r e s s  w e  h a v e  i n  o u r  r e c o r d s  ( o r  a n y
                       u p d a t e d  a d d r e s s  y o u  s u b s e q u e n t l y  p r o v i d e  t o  u s ) .  A n y  C l a i m  N o t i c e  t o  u s  s h a l l  b e  s e n t  b y  m a i l  t o  t h e  a d d r e s s
     B .  N o t i c e  a n d  C u r e f o r  A r b i t r a t i o n  C l a i m s  o n  t h e  S u m m a r y  ( o r  a n y  u p d a t e d  a d d r e s s  w e  s u b s e q u e n t l y  p r o v i d e ) .  A n y  C l a i m  N o t i c e  y o u
                       s e n d  m u s t  p r o v i d e  y o u r  n a m e ,  a d d r e s s  a n d  A c c o u n t  n u m b e r  a n d  e x p l a i n  t h e  n a t u r e  o f  t h e  C l a i m  a n d  r e l i e f
                       d e m a n d e d .  Yo u  m a y  o n l y  s u b m i t  a  C l a i m  N o t i c e  o n  y o u r  o w n  b e h a l f  a n d  n o t  o n  b e h a l f  o f  a n y  o t h e r  p a r t y.  N o
                       t h i r d  p a r t y,  o t h e r  t h a n  a  l a w y e r  y o u  h a v e  p e r s o n a l l y  r e t a i n e d ,  m a y  s u b m i t  a  C l a i m  N o t i c e  o n  y o u r  b e h a l f .  T h e
                       C l a i m a n t  m u s t  r e a s o n a b l y  c o o p e r a t e  i n  p r o v i d i n g  a n y  i n f o r m a t i o n  a b o u t  t h e  C l a i m  t h a t  t h e  D e f e n d a n t  r e a s o n a b l y
                       r e q u e s t s .
                       R e v i e w  t h i s  p r o v i s i o n  c a r e f u l l y.  I f  y o u  d o  n o t  r e j e c t  i t  i n  a c c o r d a n c e  w i t h  P a r a g r a p h  C . 1 ,  R i g h t  t o  R e j e c t ,
     C .  A r b i t r a t i o n
                       b e l o w,  i t  w i l l  b e  p a r t  o f  t h i s  A g r e e m e n t  a n d  w i l l  h a v e  a  s u b s t a n t i a l  i m p a c t  o n  t h e  w a y  y o u  o r  w e  w i l l
     P r o v i s i o n
                       r e s o l v e  a n y  C l a i m  y o u  o r  w e  h a v e  a g a i n s t  e a c h  o t h e r  n o w  o r  i n  t h e  f u t u r e .
     1 .  R i g h t  t o  R e j e c t I f  y o u  d o n � t  w a n t  t h i s  A r b i t r a t i o n  P r o v i s i o n  ( a n d  a n y  p r i o r  a r b i t r a t i o n  a g r e e m e n t  b e t w e e n  y o u  a n d  u s
                       ( � P r i o r  A r b i t r a t i o n  A g r e e m e n t � ) )  t o  a p p l y,  y o u  m a y  r e j e c t  i t  b y  m a i l i n g  u s  a  w r i t t e n  r e j e c t i o n  n o t i c e  w h i c h
                       g i v e s  y o u r  n a m e  a n d  c o n t a i n s  a  s t a t e m e n t  t h a t  y o u  ( b o t h  o f  y o u ,  i f  m o r e  t h a n  o n e )  r e j e c t  t h e  A r b i t r a t i o n
                       P r o v i s i o n  o f  t h i s  A g r e e m e n t .  T h e  r e j e c t i o n  n o t i c e  m u s t  b e  s e n t  t o  u s  a t  t h e  a d d r e s s  f o r  A r b i t r a t i o n
                       R e j e c t i o n  o n  t h e  S u m m a r y.  A  r e j e c t i o n  n o t i c e  i s  o n l y  e f f e c t i v e  i f  i t  i s  s i g n e d  b y  y o u  ( a l l  o f  y o u ,  i f  m o r e
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  12/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
                       t h a n  o n e )  a n d  i f  w e  r e c e i v e  i t  w i t h i n  3 0  c a l e n d a r  d a y s  a f t e r  t h e  d a t e  w e  f i r s t  p r o v i d e  y o u  w i t h  a  c r e d i t  c a r d
                       a g r e e m e n t  o r  w r i t t e n  n o t i c e  p r o v i d i n g  y o u  a  r i g h t  t o  r e j e c t  t h i s  A r b i t r a t i o n  P r o v i s i o n .  Yo u r  r e j e c t i o n  o f  t h i s
                       A r b i t r a t i o n  P r o v i s i o n  w i l l  n o t  a f f e c t  a n y  o t h e r  p r o v i s i o n  o f  t h i s  A g r e e m e n t  o r  y o u r  a b i l i t y  t o  o b t a i n  c r e d i t .
                       S o l e l y  a s  u s e d  i n  t h i s  A r b i t r a t i o n  P r o v i s i o n  ( a n d  n o t  e l s e w h e r e  i n  t h i s  A g r e e m e n t ) ,  t h e  t e r m s  � w e , �  � u s �  a n d  � o u r �
                       m e a n
                       a .  t h e  i s s u e r  o f  y o u r  C a r d  n a m e d  o n  t h e  S u m m a r y  a n d  i t s  s u c c e s s o r s  a n d / o r  a s s i g n s ,  a s  w e l l  a s  a n y  p a r e n t ,
     2 .  P a r t i e s
                       s u b s i d i a r y  o r  a f f i l i a t e  o f  t h e i r s  a n d  t h e i r  e m p l o y e e s ,  o f f i c e r s  a n d  d i r e c t o r s  ( t h e  � B a n k  P a r t i e s � ) ;  a n d
                       b .  a n y  o t h e r  p e r s o n  o r  c o m p a n y  t h a t  p r o v i d e s  a n y  s e r v i c e s  i n  c o n n e c t i o n  w i t h  t h i s  A g r e e m e n t  i f  y o u  a s s e r t  a
                       C l a i m  a g a i n s t  s u c h  o t h e r  p e r s o n  o r  c o m p a n y  a t  t h e  s a m e  t i m e  y o u  a s s e r t  a  C l a i m  a g a i n s t  a n y  B a n k  P a r t y.
                       � C l a i m �  m e a n s  a n y  c l a i m ,  d i s p u t e  o r  c o n t r o v e r s y  b e t w e e n  y o u  a n d  u s  t h a t  i n  a n y  w a y  a r i s e s  f r o m  o r  r e l a t e s  t o
                       t h i s  A g r e e m e n t ,  t h e  A c c o u n t ,  t h e  i s s u a n c e  o f  a n y  C a r d ,  a n y  r e w a r d s  p r o g r a m  a n d / o r  a n y  p r i o r  a g r e e m e n t  o r
                       a c c o u n t .  � C l a i m �  i n c l u d e s  d i s p u t e s  a r i s i n g  f r o m  a c t i o n s  o r  o m i s s i o n s  p r i o r  t o  t h e  d a t e  a n y  C a r d  w a s  i s s u e d  t o
                       y o u ,  i n c l u d i n g  t h e  a d v e r t i s i n g  r e l a t e d  t o ,  a p p l i c a t i o n  f o r  o r  a p p r o v a l  o f  t h e  A c c o u n t .  � C l a i m �  h a s  t h e  b r o a d e s t
                       p o s s i b l e  m e a n i n g ,  a n d  i n c l u d e s  i n i t i a l  c l a i m s ,  c o u n t e r c l a i m s ,  c r o s s - c l a i m s  a n d  t h i r d - p a r t y  c l a i m s .  I t  i n c l u d e s
                       d i s p u t e s  b a s e d  o n  c o n t r a c t ,  t o r t ,  c o n s u m e r  r i g h t s ,  f r a u d  a n d  o t h e r  i n t e n t i o n a l  t o r t s ,  c o n s t i t u t i o n ,  s t a t u t e ,
     3 .  C o v e r e d  C l a i m s r e g u l a t i o n ,  o r d i n a n c e ,  c o m m o n  l a w  a n d  e q u i t y  ( i n c l u d i n g  a n y  c l a i m  f o r  i n j u n c t i v e  o r  d e c l a r a t o r y  r e l i e f ) .  � C l a i m �
                       d o e s  n o t  i n c l u d e  d i s p u t e s  a b o u t  t h e  v a l i d i t y,  e n f o r c e a b i l i t y,  c o v e r a g e  o r  s c o p e  o f  t h i s  A r b i t r a t i o n  P r o v i s i o n  o r  a n y
                       p a r t  t h e r e o f  ( i n c l u d i n g ,  w i t h o u t  l i m i t a t i o n ,  t h e  p r o h i b i t i o n  a g a i n s t  c l a s s  p r o c e e d i n g s ,  p r i v a t e  a t t o r n e y  g e n e r a l
                       p r o c e e d i n g s  a n d / o r  m u l t i p l e  p a r t y  p r o c e e d i n g s  d e s c r i b e d  i n  P a r a g r a p h  C . 7 ,  P r o h i b i t i o n s  A g a i n s t  C e r t a i n
                       P r o c e e d i n g s  ( C l a s s  A c t i o n  Wa i v e r ) ,  P a r a g r a p h  C . 1 3 ,  S e v e r a b i l i t y,  a n d / o r  t h i s  s e n t e n c e ) ;  a l l  s u c h  d i s p u t e s  a r e  f o r
                       a  c o u r t  a n d  n o t  a n  a r b i t r a t o r  t o  d e c i d e .  H o w e v e r,  a n y  d i s p u t e  o r  a r g u m e n t  t h a t  c o n c e r n s  t h e  v a l i d i t y  o r
                       e n f o r c e a b i l i t y  o f  t h e  A g r e e m e n t  a s  a  w h o l e  i s  f o r  t h e  a r b i t r a t o r,  n o t  a  c o u r t ,  t o  d e c i d e .
                       A r b i t r a t i o n  m a y  b e  e l e c t e d  b y  a n y  p a r t y  w i t h  r e s p e c t  t o  a n y  C l a i m ,  e v e n  i f  t h a t  p a r t y  h a s  a l r e a d y  i n i t i a t e d  a
                       l a w s u i t  w i t h  r e s p e c t  t o  a  d i f f e r e n t  C l a i m .  A r b i t r a t i o n  i s  s t a r t e d  b y  g i v i n g  a  w r i t t e n  d e m a n d  f o r  a r b i t r a t i o n  t o  t h e
     4 .  S t a r t i n g  a n
                       o t h e r  p a r t y.  W e  w i l l  n o t  d e m a n d  t o  a r b i t r a t e  a n  i n d i v i d u a l  C l a i m  t h a t  y o u  b r i n g  a g a i n s t  u s  i n  s m a l l  c l a i m s  c o u r t  o r
     A r b i t r a t i o n
                       y o u r  s t a t e � s  e q u i v a l e n t  c o u r t ,  i f  a n y.  B u t  i f  t h a t  C l a i m  i s  t r a n s f e r r e d ,  r e m o v e d  o r  a p p e a l e d  t o  a  d i f f e r e n t  c o u r t ,  w e
                       t h e n  h a v e  t h e  r i g h t  t o  d e m a n d  a r b i t r a t i o n .
     5 .  A d m i n i s t r a t o r � A d m i n i s t r a t o r �  m e a n s  t h e  A m e r i c a n  A r b i t r a t i o n  A s s o c i a t i o n  ( � A A A � ) ,  1 2 0  B r o a d w a y,  2 1 s t  F l o o r,  N e w  Yo r k ,  N Y
                       1 0 2 7 1 ,  w w w. a d r. o r g ;  J A M S ,  6 2 0  E i g h t h  A v e n u e ,  3 4 t h  F l o o r,  N e w  Yo r k ,  N Y  1 0 0 1 8 ,  w w w. j a m s a d r. c o m ;  o r  a n y  o t h e r
                       c o m p a n y  s e l e c t e d  b y  m u t u a l  a g r e e m e n t  o f  t h e  p a r t i e s .  I f  b o t h  A A A  a n d  J A M S  c a n n o t  o r  w i l l  n o t  s e r v e  a n d  t h e
                       p a r t i e s  a r e  u n a b l e  t o  s e l e c t  a n  A d m i n i s t r a t o r  b y  m u t u a l  c o n s e n t ,  t h e  A d m i n i s t r a t o r  w i l l  b e  s e l e c t e d  b y  a  c o u r t .
                       T h e  a r b i t r a t o r  w i l l  b e  a p p o i n t e d  b y  t h e  A d m i n i s t r a t o r  i n  a c c o r d a n c e  w i t h  t h e  r u l e s  o f  t h e  A d m i n i s t r a t o r.  H o w e v e r,
                       t h e  a r b i t r a t o r  m u s t  b e  a  r e t i r e d  o r  f o r m e r  j u d g e  o r  a  l a w y e r  w i t h  a t  l e a s t  1 0  y e a r s  o f  e x p e r i e n c e .  Yo u  g e t  t o
                       s e l e c t  t h e  A d m i n i s t r a t o r  i f  y o u  g i v e  u s  w r i t t e n  n o t i c e  o f  y o u r  s e l e c t i o n  w i t h  y o u r  n o t i c e  t h a t  y o u  a r e  e l e c t i n g  t o
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  13/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
                       a r b i t r a t e  a n y  C l a i m  o r  w i t h i n  2 0  d a y s  a f t e r  w e  g i v e  y o u  n o t i c e  t h a t  w e  a r e  e l e c t i n g  t o  a r b i t r a t e  a n y  C l a i m  ( o r,  i f
                       y o u  d i s p u t e  o u r  r i g h t  t o  r e q u i r e  a r b i t r a t i o n  o f  t h e  C l a i m ,  w i t h i n  2 0  d a y s  a f t e r  t h a t  d i s p u t e  i s  f i n a l l y  r e s o l v e d ) .  I f
                       y o u  d o  n o t  s e l e c t  t h e  A d m i n i s t r a t o r  o n  t i m e ,  w e  m a y  d o  i t .  N o t w i t h s t a n d i n g  a n y  l a n g u a g e  i n  t h i s  A r b i t r a t i o n
                       P r o v i s i o n  t o  t h e  c o n t r a r y,  n o  a r b i t r a t i o n  m a y  b e  a d m i n i s t e r e d  w i t h o u t  t h e  c o n s e n t  o f  a l l  p a r t i e s  t o  t h e  a r b i t r a t i o n ,
                       b y  a n y  A d m i n i s t r a t o r  t h a t  h a s  i n  p l a c e  a  f o r m a l  o r  i n f o r m a l  p o l i c y  t h a t  i s  i n c o n s i s t e n t  w i t h  t h e  C l a s s  A c t i o n
                       Wa i v e r.
     6 .  C o u r t  a n d  J u r y
                       I f  y o u  o r  w e  e l e c t  t o  a r b i t r a t e  a  C l a i m ,  y o u  w i l l  n o t  h a v e  t h e  r i g h t  t o  p u r s u e  t h a t  C l a i m  i n  c o u r t  o r  h a v e  a
     Tr i a l s  P r o h i b i t e d ;  O t h e r
                       j u r y  d e c i d e  t h e  C l a i m .  A l s o ,  y o u r  a b i l i t y  t o  o b t a i n  i n f o r m a t i o n  f r o m  u s  i s  m o r e  l i m i t e d  i n  a r b i t r a t i o n  t h a n  i n
     L i m i t a t i o n s  o n  L e g a l
                       a  l a w s u i t .  O t h e r  r i g h t s  t h a t  y o u  w o u l d  h a v e  i f  y o u  w e n t  t o  c o u r t  m a y  a l s o  n o t  b e  a v a i l a b l e  i n  a r b i t r a t i o n .
     R i g h t s
                       I f  y o u  o r  w e  e l e c t  t o  a r b i t r a t e  a  C l a i m :
                       a .  n e i t h e r  y o u  n o r  w e  m a y  p a r t i c i p a t e  i n  a  c l a s s  a c t i o n  i n  c o u r t  o r  i n  c l a s s - w i d e  a r b i t r a t i o n ,  e i t h e r  a s  a
                       p l a i n t i f f ,  d e f e n d a n t  o r  c l a s s  m e m b e r ;
     7 .  P r o h i b i t i o n  A g a i n s t
                       b .  n e i t h e r  y o u  n o r  w e  m a y  a c t  a s  a  p r i v a t e  a t t o r n e y  g e n e r a l  i n  c o u r t  o r  i n  a r b i t r a t i o n ;
     C e r t a i n  P r o c e e d i n g s
                       c .  C l a i m s  b r o u g h t  b y  o r  a g a i n s t  y o u  m a y  n o t  b e  j o i n e d  o r  c o n s o l i d a t e d  w i t h  C l a i m s  b r o u g h t  b y  o r  a g a i n s t
     ( C l a s s  A c t i o n  Wa i v e r )
                       a n y  o t h e r  p e r s o n ;  a n d
                       d .  t h e  a r b i t r a t o r  s h a l l  h a v e  n o  p o w e r  o r  a u t h o r i t y  t o  c o n d u c t  a  c l a s s - w i d e  a r b i t r a t i o n ,  p r i v a t e  a t t o r n e y
                       g e n e r a l  a r b i t r a t i o n  o r  m u l t i p l e - p a r t y  a r b i t r a t i o n .
                       A n y  a r b i t r a t i o n  h e a r i n g  t h a t  y o u  a t t e n d  m u s t  t a k e  p l a c e  a t  a  l o c a t i o n  r e a s o n a b l y  c o n v e n i e n t  t o  y o u .  W e  w i l l  p a y
                       a n y  a n d  a l l  f e e s  o f  t h e  A d m i n i s t r a t o r  a n d / o r  t h e  a r b i t r a t o r  i f  a p p l i c a b l e  l a w  r e q u i r e s  u s  t o ,  i f  y o u  p r e v a i l  i n  t h e
     8 .  L o c a t i o n  a n d  C o s t s a r b i t r a t i o n  o r  i f  w e  m u s t  b e a r  s u c h  f e e s  i n  o r d e r  f o r  t h i s  A r b i t r a t i o n  P r o v i s i o n  t o  b e  e n f o r c e d .  I f  y o u  d e m a n d  a n
                       a r b i t r a t i o n ,  w e  w i l l  p a y  y o u r  r e a s o n a b l e  a t t o r n e y s �  a n d  e x p e r t s �  f e e s  i f  y o u  p r e v a i l  o r  i f  w e  m u s t  b e a r  s u c h  f e e s
                       i n  o r d e r  f o r  t h i s  A r b i t r a t i o n  P r o v i s i o n  t o  b e  e n f o r c e d .  A l s o ,  w e  w i l l  b e a r  a n y  f e e s  i f  a p p l i c a b l e  l a w  r e q u i r e s  u s  t o .
                       T h i s  A r b i t r a t i o n  P r o v i s i o n  i n v o l v e s  i n t e r s t a t e  c o m m e r c e  a n d  i s  g o v e r n e d  b y  t h e  F e d e r a l  A r b i t r a t i o n  A c t ,  9  U . S . C .
                       � �  1 - 1 6  ( � FA A � ) ,  a n d  n o t  b y  a n y  s t a t e  a r b i t r a t i o n  l a w.  T h e  a r b i t r a t o r  m u s t  a p p l y  a p p l i c a b l e  s u b s t a n t i v e  l a w
                       c o n s i s t e n t  w i t h  t h e  FA A  a n d  a p p l i c a b l e  s t a t u t e s  o f  l i m i t a t i o n s  a n d  c l a i m s  o f  p r i v i l e g e  r e c o g n i z e d  a t  l a w.  T h e
     9 .  G o v e r n i n g  L a w a r b i t r a t o r  m a y  a w a r d  a n y  r e m e d y  p r o v i d e d  b y  t h e  s u b s t a n t i v e  l a w  t h a t  w o u l d  a p p l y  i f  t h e  a c t i o n  w e r e  p e n d i n g  i n
                       c o u r t  ( i n c l u d i n g ,  w i t h o u t  l i m i t a t i o n ,  p u n i t i v e  d a m a g e s ,  w h i c h  s h a l l  b e  g o v e r n e d  b y  t h e  C o n s t i t u t i o n a l  s t a n d a r d s
                       e m p l o y e d  b y  t h e  c o u r t s ) .  A t  t h e  t i m e l y  r e q u e s t  o f  e i t h e r  p a r t y,  t h e  a r b i t r a t o r  m u s t  p r o v i d e  a  b r i e f  w r i t t e n
                       e x p l a n a t i o n  o f  t h e  b a s i s  f o r  t h e  a w a r d .
                       I n  a d d i t i o n  t o  t h e  p a r t i e s �  r i g h t s  t o  o b t a i n  d i s c o v e r y  p u r s u a n t  t o  t h e  a r b i t r a t i o n  r u l e s  o f  t h e  A d m i n i s t r a t o r,  e i t h e r
     1 0 .  D i s c o v e r y p a r t y  m a y  s u b m i t  a  w r i t t e n  r e q u e s t  t o  t h e  a r b i t r a t o r  t o  e x p a n d  t h e  s c o p e  o f  d i s c o v e r y  n o r m a l l y  a l l o w a b l e  u n d e r
                       t h e  a r b i t r a t i o n  r u l e s  o f  t h e  A d m i n i s t r a t o r.  T h e  a r b i t r a t o r  s h a l l  h a v e  d i s c r e t i o n  t o  g r a n t  o r  d e n y  t h a t  r e q u e s t .
     11 .  R e s u l t  a n d  A p p e a l s
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  14/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
                       J u d g m e n t  u p o n  t h e  a r b i t r a t o r � s  a w a r d  m a y  b e  e n t e r e d  b y  a n y  c o u r t  h a v i n g  j u r i s d i c t i o n .  T h e  a r b i t r a t o r � s  d e c i s i o n  i s
                       f i n a l  a n d  b i n d i n g ,  e x c e p t  f o r  a n y  r i g h t  o f  a p p e a l  p r o v i d e d  b y  t h e  FA A  a n d / o r  t h e  r u l e s  o f  t h e  A d m i n i s t r a t o r.  A n y
                       f i n d i n g ,  a w a r d  o r  j u d g m e n t  f r o m  a n  a r b i t r a t i o n  o f  a n y  C l a i m  s h a l l  a p p l y  o n l y  t o  t h a t  a r b i t r a t i o n .  N o  f i n d i n g ,  a w a r d
                       o r  j u d g m e n t  f r o m  a n y  o t h e r  a r b i t r a t i o n  s h a l l  i m p a c t  t h e  a r b i t r a t i o n  o f  a n y  C l a i m .
                       T h i s  A r b i t r a t i o n  P r o v i s i o n  s h a l l  s u r v i v e  t h e  r e p a y m e n t  o f  a l l  a m o u n t s  o w e d  u n d e r  t h i s  A g r e e m e n t ,  t h e  c l o s i n g  o f
                       t h e  A c c o u n t ,  a n y  l e g a l  p r o c e e d i n g  a n d  a n y  b a n k r u p t c y  t o  t h e  e x t e n t  c o n s i s t e n t  w i t h  a p p l i c a b l e  b a n k r u p t c y  l a w.  I n
     1 2 .  I n t e r p r e t a t i o n t h e  e v e n t  o f  a  c o n f l i c t  o r  i n c o n s i s t e n c y  b e t w e e n  t h i s  A r b i t r a t i o n  P r o v i s i o n  a n d  t h e  a p p l i c a b l e  a r b i t r a t i o n  r u l e s  o r
                       t h e  o t h e r  p r o v i s i o n s  o f  t h i s  A g r e e m e n t ,  t h i s  A r b i t r a t i o n  P r o v i s i o n  s h a l l  g o v e r n .  T h i s  A r b i t r a t i o n  P r o v i s i o n  r e p l a c e s
                       a n y  P r i o r  A r b i t r a t i o n  A g r e e m e n t .
                       I f  a n y  p o r t i o n  o f  t h i s  A r b i t r a t i o n  P r o v i s i o n  i s  h e l d  t o  b e  i n v a l i d  o r  u n e n f o r c e a b l e ,  t h e  r e m a i n i n g  p o r t i o n s  s h a l l
                       n e v e r t h e l e s s  r e m a i n  i n  f o r c e ,  s u b j e c t  t o  t w o  e x c e p t i o n s .  F i r s t ,  i f  a  d e t e r m i n a t i o n  i s  m a d e  t h a t  t h e  C l a s s  A c t i o n
                       Wa i v e r  i s  u n e n f o r c e a b l e ,  a n d  t h a t  d e t e r m i n a t i o n  i s  n o t  r e v e r s e d  o n  a p p e a l ,  t h e n  t h e  A r b i t r a t i o n  P r o v i s i o n  s h a l l  b e
     1 3 .  S e v e r a b i l i t y v o i d  i n  i t s  e n t i r e t y.  S e c o n d ,  i f  a  c o u r t  d e t e r m i n e s  t h a t  a  p u b l i c  i n j u n c t i v e  r e l i e f  C l a i m  m a y  p r o c e e d
                       n o t w i t h s t a n d i n g  t h e  C l a s s  A c t i o n  Wa i v e r,  a n d  t h a t  d e t e r m i n a t i o n  i s  n o t  r e v e r s e d  o n  a p p e a l ,  t h e n  t h e  p u b l i c
                       i n j u n c t i v e  r e l i e f  C l a i m  w i l l  b e  d e c i d e d  b y  a  c o u r t ,  a n y  i n d i v i d u a l  C l a i m s  w i l l  b e  a r b i t r a t e d ,  a n d  t h e  p a r t i e s  w i l l  a s k
                       t h e  c o u r t  t o  s t a y  t h e  p u b l i c  i n j u n c t i v e  r e l i e f  C l a i m  u n t i l  t h e  o t h e r  C l a i m s  h a v e  b e e n  f i n a l l y  c o n c l u d e d .
                       T h e  a r b i t r a t o r  s h a l l  a w a r d  y o u  a t  l e a s t  $ 5 , 1 0 0  ( p l u s  a n y  f e e s  a n d  c o s t s  t o  w h i c h  y o u  a r e  e n t i t l e d )  i f :
                       a .  y o u  s u b m i t  a  C l a i m  N o t i c e  i n  a c c o r d a n c e  w i t h  P a r a g r a p h  B ,  N o t i c e  a n d  C u r e ,  a b o v e  o n  y o u r  o w n  b e h a l f  ( a n d
     1 4 .  S p e c i a l  P a y m e n t n o t  o n  b e h a l f  o f  a n y  o t h e r  p a r t y ) ;
                       b .  w e  r e f u s e  t o  p r o v i d e  y o u  w i t h  t h e  r e l i e f  y o u  r e q u e s t  b e f o r e  a n  a r b i t r a t o r  i s  a p p o i n t e d ;  a n d
                       c .  a n  a r b i t r a t o r  s u b s e q u e n t l y  d e t e r m i n e s  t h a t  y o u  w e r e  e n t i t l e d  t o  s u c h  r e l i e f  ( o r  g r e a t e r  r e l i e f ) .
     Yo u r  B i l l i n g  R i g h t s :  K e e p  T h i s  D o c u m e n t  F o r  F u t u r e  U s e
     T h i s  n o t i c e  t e l l s  y o u  a b o u t  y o u r  r i g h t s  a n d  o u r  r e s p o n s i b i l i t i e s  u n d e r  t h e  F a i r  C r e d i t  B i l l i n g  A c t .
     W h a t  To  D o  I f  Yo u  F i n d  A  M i s t a k e  O n  Yo u r  S t a t e m e n t
     I f  y o u  t h i n k  t h e r e  i s  a n  e r r o r  o n  y o u r  s t a t e m e n t ,  w r i t e  t o  u s  a t  t h e  a d d r e s s  f o r  B i l l i n g  E r r o r s  o n  t h e  S u m m a r y
     I n  y o u r  l e t t e r,  g i v e  u s  t h e  f o l l o w i n g  i n f o r m a t i o n :
          A c c o u n t  i n f o r m a t i o n : Yo u r  n a m e  a n d  a c c o u n t  n u m b e r.
          D o l l a r  a m o u n t : T h e  d o l l a r  a m o u n t  o f  t h e  s u s p e c t e d  e r r o r.
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  15/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
          D e s c r i p t i o n  o f  p r o b l e m : I f  y o u  t h i n k  t h e r e  i s  a n  e r r o r  o n  y o u r  b i l l ,  d e s c r i b e  w h a t  y o u  b e l i e v e  i s  w r o n g  a n d  w h y  y o u  b e l i e v e  i t  i s  a
          m i s t a k e .
     Yo u  m u s t  c o n t a c t  u s :
          W i t h i n  6 0  d a y s  a f t e r  t h e  e r r o r  a p p e a r e d  o n  y o u r  s t a t e m e n t .
          A t  l e a s t  3  b u s i n e s s  d a y s  b e f o r e  a n  a u t o m a t e d  p a y m e n t  i s  s c h e d u l e d ,  i f  y o u  w a n t  t o  s t o p  p a y m e n t  o n  t h e  a m o u n t  y o u  t h i n k  i s
          w r o n g .
     Yo u  m u s t  n o t i f y  u s  o f  a n y  p o t e n t i a l  e r r o r s  i n  w r i t i n g .  Yo u  m a y  c a l l  u s ,  b u t  i f  y o u  d o  w e  a r e  n o t  r e q u i r e d  t o  i n v e s t i g a t e  a n y  p o t e n t i a l
     e r r o r s  a n d  y o u  m a y  h a v e  t o  p a y  t h e  a m o u n t  i n  q u e s t i o n .
     W h a t  W i l l  H a p p e n  A f t e r  W e  R e c e i v e  Yo u r  L e t t e r
     W h e n  w e  r e c e i v e  y o u r  l e t t e r,  w e  m u s t  d o  t w o  t h i n g s :
     1 .  W i t h i n  3 0  d a y s  o f  r e c e i v i n g  y o u r  l e t t e r,  w e  m u s t  t e l l  y o u  t h a t  w e  r e c e i v e d  y o u r  l e t t e r.  W e  w i l l  a l s o  t e l l  y o u  i f  w e  h a v e  a l r e a d y
     c o r r e c t e d  t h e  e r r o r.
     2 .  W i t h i n  9 0  d a y s  o f  r e c e i v i n g  y o u r  l e t t e r,  w e  m u s t  e i t h e r  c o r r e c t  t h e  e r r o r  o r  e x p l a i n  t o  y o u  w h y  w e  b e l i e v e  t h e  b i l l  i s  c o r r e c t .
     W h i l e  w e  i n v e s t i g a t e  w h e t h e r  o r  n o t  t h e r e  h a s  b e e n  a n  e r r o r :
          W e  c a n n o t  t r y  t o  c o l l e c t  t h e  a m o u n t  i n  q u e s t i o n ,  o r  r e p o r t  y o u  a s  d e l i n q u e n t  o n  t h a t  a m o u n t .
          T h e  c h a r g e  i n  q u e s t i o n  m a y  r e m a i n  o n  y o u r  s t a t e m e n t ,  a n d  w e  m a y  c o n t i n u e  t o  c h a r g e  y o u  i n t e r e s t  o n  t h a t  a m o u n t .
          W h i l e  y o u  d o  n o t  h a v e  t o  p a y  t h e  a m o u n t  i n  q u e s t i o n ,  y o u  a r e  r e s p o n s i b l e  f o r  t h e  r e m a i n d e r  o f  y o u r  b a l a n c e .
          W e  c a n  a p p l y  a n y  u n p a i d  a m o u n t  a g a i n s t  y o u r  c r e d i t  l i m i t .
     A f t e r  w e  f i n i s h  o u r  i n v e s t i g a t i o n ,  o n e  o f  t w o  t h i n g s  w i l l  h a p p e n :
          I f  w e  m a d e  a  m i s t a k e :  Yo u  w i l l  n o t  h a v e  t o  p a y  t h e  a m o u n t  i n  q u e s t i o n  o r  a n y  i n t e r e s t  o r  o t h e r  f e e s  r e l a t e d  t o  t h a t  a m o u n t .
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  16/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
          I f  w e  d o  n o t  b e l i e v e  t h e r e  w a s  a  m i s t a k e :  Yo u  w i l l  h a v e  t o  p a y  t h e  a m o u n t  i n  q u e s t i o n ,  a l o n g  w i t h  a p p l i c a b l e  i n t e r e s t  a n d  f e e s .  W e
          w i l l  s e n d  y o u  a  s t a t e m e n t  o f  t h e  a m o u n t  y o u  o w e  a n d  t h e  d a t e  p a y m e n t  i s  d u e .  W e  m a y  t h e n  r e p o r t  y o u  a s  d e l i n q u e n t  i f  y o u  d o
          n o t  p a y  t h e  a m o u n t  w e  t h i n k  y o u  o w e .
     I f  y o u  r e c e i v e  o u r  e x p l a n a t i o n  b u t  s t i l l  b e l i e v e  y o u r  b i l l  i s  w r o n g ,  y o u  m u s t  w r i t e  t o  u s  w i t h i n  1 0  d a y s t e l l i n g  u s  t h a t  y o u  s t i l l  r e f u s e  t o
     p a y.  I f  y o u  d o  s o ,  w e  c a n n o t  r e p o r t  y o u  a s  d e l i n q u e n t  w i t h o u t  a l s o  r e p o r t i n g  t h a t  y o u  a r e  q u e s t i o n i n g  y o u r  b i l l .  W e  m u s t  t e l l  y o u  t h e
     n a m e  o f  a n y o n e  t o  w h o m  w e  r e p o r t e d  y o u  a s  d e l i n q u e n t ,  a n d  w e  m u s t  l e t  t h o s e  o r g a n i z a t i o n s  k n o w  w h e n  t h e  m a t t e r  h a s  b e e n  s e t t l e d
     b e t w e e n  u s .
     I f  w e  d o  n o t  f o l l o w  a l l  o f  t h e  r u l e s  a b o v e ,  y o u  d o  n o t  h a v e  t o  p a y  t h e  f i r s t  $ 5 0  o f  t h e  a m o u n t  y o u  q u e s t i o n  e v e n  i f  y o u r  b i l l  i s  c o r r e c t .
     Yo u r  R i g h t s  I f  Yo u  A r e  D i s s a t i s f i e d  W i t h  Yo u r  C r e d i t  C a r d  P u r c h a s e s
     I f  y o u  a r e  d i s s a t i s f i e d  w i t h  t h e  g o o d s  o r  s e r v i c e s  t h a t  y o u  h a v e  p u r c h a s e d  w i t h  y o u r  c r e d i t  c a r d ,  a n d  y o u  h a v e  t r i e d  i n  g o o d  f a i t h  t o
     c o r r e c t  t h e  p r o b l e m  w i t h  t h e  m e r c h a n t ,  y o u  m a y  h a v e  t h e  r i g h t  n o t  t o  p a y  t h e  r e m a i n i n g  a m o u n t  d u e  o n  t h e  p u r c h a s e .
     To  u s e  t h i s  r i g h t ,  a l l  o f  t h e  f o l l o w i n g  m u s t  b e  t r u e :
     1 .  T h e  p u r c h a s e  m u s t  h a v e  b e e n  m a d e  i n  y o u r  h o m e  s t a t e  o r  w i t h i n  1 0 0  m i l e s  o f  y o u r  c u r r e n t  m a i l i n g  a d d r e s s ,  a n d  t h e  p u r c h a s e  p r i c e
     m u s t  h a v e  b e e n  m o r e  t h a n  $ 5 0 .  ( N o t e :  N e i t h e r  o f  t h e s e  a r e  n e c e s s a r y  i f  y o u r  p u r c h a s e  w a s  b a s e d  o n  a n  a d v e r t i s e m e n t  w e  m a i l e d  t o
     y o u ,  o r  i f  w e  o w n  t h e  c o m p a n y  t h a t  s o l d  y o u  t h e  g o o d s  o r  s e r v i c e s . )
     2 .  Yo u  m u s t  h a v e  u s e d  y o u r  c r e d i t  c a r d  f o r  t h e  p u r c h a s e .  P u r c h a s e s  m a d e  w i t h  c a s h  a d v a n c e s  f r o m  a n  AT M  o r  w i t h  a  c h e c k  t h a t
     a c c e s s e s  y o u r  c r e d i t  c a r d  a c c o u n t  d o  n o t  q u a l i f y.
     3 .  Yo u  m u s t  n o t  y e t  h a v e  f u l l y  p a i d  f o r  t h e  p u r c h a s e .
     I f  a l l  o f  t h e  c r i t e r i a  a b o v e  a r e  m e t  a n d  y o u  a r e  s t i l l  d i s s a t i s f i e d  w i t h  t h e  p u r c h a s e ,  c o n t a c t  u s  i n  w r i t i n g a t  t h e  a d d r e s s  f o r  B i l l i n g  E r r o r s
     o n  t h e  S u m m a r y.
     W h i l e  w e  i n v e s t i g a t e ,  t h e  s a m e  r u l e s  a p p l y  t o  t h e  d i s p u t e d  a m o u n t  a s  d i s c u s s e d  a b o v e .  A f t e r  w e  f i n i s h  o u r  i n v e s t i g a t i o n ,  w e  w i l l  t e l l  y o u
     o u r  d e c i s i o n .  A t  t h a t  p o i n t ,  i f  w e  t h i n k  y o u  o w e  a n  a m o u n t  a n d  y o u  d o  n o t  p a y,  w e  m a y  r e p o r t  y o u  a s  d e l i n q u e n t .
     P r i c i n g  A d d e n d u m
      I n t e r e s t  R a t e s  a n d
      I n t e r e s t  C h a r g e s
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  17/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
       A n n u a l  P e r c e n t a g e  R a t e
                              2 1 . 9 9 %
       ( A P R )  f o r  P u r c h a s e s
                              Yo u r  d u e  d a t e  i s  a t  l e a s t  2 5  d a y s  a f t e r  t h e  c l o s e  o f  e a c h  b i l l i n g  p e r i o d .  W e  w i l l  n o t  c h a r g e
       H o w  t o  Av o i d  P a y i n g y o u  i n t e r e s t  o n  p u r c h a s e s  i f  y o u  p a y  y o u r  e n t i r e  b a l a n c e  b y  t h e  d u e  d a t e  e a c h  m o n t h .  I f
       I n t e r e s t        y o u  d o  n o t , y o u  w i l l  n o t  g e t  a  g r a c e  p e r i o d  o n  p u r c h a s e s  a g a i n  u n t i l  y o u  p a y  t h e  e n t i r e
                              b a l a n c e  b y  t h e  d u e  d a t e  f o r  t w o  b i l l i n g  p e r i o d s  i n  a  r o w.
       M i n i m u m  I n t e r e s t
                              I f  y o u  a r e  c h a r g e d  i n t e r e s t ,  t h e  c h a r g e  w i l l  b e  n o  l e s s  t h a n  $ 2  p e r  c r e d i t  p l a n .
       C h a r g e
      F e e s
       A n n u a l  F e e     N o n e
       P e n a l t y  F e e s
                              U p  t o  $ 4 0
       �  L a t e  P a y m e n t
                              U p  t o  $ 4 0
       �  R e t u r n e d  P a y m e n t
       B a l a n c e  C o m p u t a t i o n
                              W e  u s e  a  m e t h o d  c a l l e d  " d a i l y  b a l a n c e  ( i n c l u d i n g  c u r r e n t  t r a n s a c t i o n s ) . "
       M e t h o d
       P l e a s e  r e v i e w  t h e  I m p o r t a n t  I n f o r m a t i o n  a n d
       Te r m s  a b o u t  o p e n i n g  a n  a c c o u n t  p r i o r  t o
       s u b m i t t i n g  y o u r  a p p l i c a t i o n .
       To apply you must:
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  18/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
           Be at the age of majority in your state or territory;
           Have a valid government-issued photo ID;
           Have a valid government issued tax identification number, such as a Social Security number (SSN) or Social Insurance
           Number (SIN);
           Have a street, rural route, or APO/FPO mailing address. We do not accept PO Box mailing addresses.
       You agree that this application and any information you submit to Comenity Capital Bank may be shared with and retained by
       IKEA�.
       I m p o r t a n t  I n f o r m a t i o n  a b o u t  O p e n i n g  a n  A c c o u n t
       To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions
       to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open
       an account, we will ask for your name, address, date of birth or other information that will allow us to identify you. We may also ask
       for your driver's license or other identifying documents.
       California Residents:
           If you are married, you may apply for a separate account.
       Ohio Residents:
           The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and
           that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights
           Commission administers compliance with this law.
       New York, Rhode Island and Vermont Residents:
           We may order credit reports in connection with processing applications/solicitations and any update, renewal or extension of
           credit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you.
           You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation.
       Wisconsin Residents:
           No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court
           order under Section 766.70 adversely affects the interest of the creditor, Comenity Capital Bank, unless the Bank, prior to the
           time credit is granted is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse
           provision when the obligation to the Bank is incurred.
     If you have been preapproved, see below for details of your offer.
       You can choose to stop receiving �prescreened� offers of credit from this and other companies by calling
       toll-free 1-888-567-8688. See Prescreen & Opt-out Notice below for more information about prescreened
       offers.
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  19/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
          PRESCREEN & OPT-OUT NOTICEThis �prescreened� offer of credit is based on information in your credit report indicating
          that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive
          prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688;
          or write: Experian, PO Box 919, Allen, TX 75013; TransUnion, PO Box 505, Woodlyn, PA 19094; Equifax, PO Box 740123,
          Atlanta, GA 30374; SageStream, LLC, PO Box 503793, San Diego, CA 92150; Innovis, PO Box 495, Pittsburgh, PA 15230-
          0495.
     Important Information for Covered Borrowers under the Military Lending Act
     For New Accounts- Federal law provides important protections to members of the Armed Forces and their dependents relating to
     extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may
     not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs
     associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee
     charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than
     certain participation fees for a credit card account)
     To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418; (TDD/TTY: 1-888-
     819-1918).
     I am applying to Comenity Capital Bank for, and hereby request, a IKEA Projekt credit card for personal, family or household use. I
     hereby authorize Comenity Capital Bank to investigate my credit record. The information that I have supplied is true and correct. I agree
     that a credit report may be obtained for any lawful purpose, including in connection with the processing of an application, or
     subsequently with the update, renewal or extension of credit. Upon my request, I will be informed of whether or not a consumer credit
     report was ordered, and if it was, I will be given the name and address of the consumer-reporting agency that furnished the report. I
     agree to be bound by the terms of the IKEA Projekt credit card account agreement. I acknowledge that I will receive a IKEA Projekt
     credit card account agreement upon approval. I also acknowledge that there is no agreement between Comenity Capital Bank and me
     until Comenity Capital Bank approves my credit application and accepts the IKEA Projekt credit card account agreement at its office in
     Utah and that the IKEA Projekt credit card account agreement is deemed to be made in Utah. Projekt credit card are issued and credit is
     extended by Comenity Capital Bank, Salt Lake City, Utah.
     Please note:
     By submitting this credit application, you are agreeing to the following with respect to certain consumer information about
     you.
     You hereby authorize Comenity Capital Bank ("us" or "we") to furnish our decision to issue an account to you to IKEA Projekt credit card.
     You hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other
     creditors and IKEA Projekt credit card.
     Check your information before submitting. We cannot process any submission without a complete and accurate name, address, date of
     birth and social security number. By submitting this Application you are acknowledging having read and understood the Important Rate,
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  20/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
     Fee and Other Cost Information and, if approved, agreeing to be bound by them.
       F i n a n c i a l  P r i v a c y  P o l i c y
       http://www.comenity.net/ikeaprojekt/images/privacy.pdf (PDF)
       You need Adobe Reader to view PDF files. You may download it for free from Adobe.
                                 W H AT D O E S C O M E N I T Y D O W I T H Y O U R P E R S O N A L
               FA C T S
                                 I N F O R M AT I O N ?
                                 F i n a n c i a l  c o m p a n i e s  c h o o s e  h o w  t h e y  s h a r e  y o u r  p e r s o n a l  i n f o r m a t i o n .  F e d e r a l
                                 l a w  g i v e s  c o n s u m e r s  t h e  r i g h t  t o  l i m i t  s o m e  b u t  n o t  a l l  s h a r i n g .  F e d e r a l  l a w  a l s o
                W h y ?
                                 r e q u i r e s  u s  t o  t e l l  y o u  h o w  w e  c o l l e c t ,  s h a r e ,  a n d  p r o t e c t  y o u r  p e r s o n a l
                                 i n f o r m a t i o n .  P l e a s e  r e a d  t h i s  n o t i c e  c a r e f u l l y  t o  u n d e r s t a n d  w h a t  w e  d o .
                                 T h e  t y p e s  o f  p e r s o n a l  i n f o r m a t i o n  w e  c o l l e c t  a n d  s h a r e  d e p e n d  o n  t h e  p r o d u c t  o r
                                 s e r v i c e  y o u  h a v e  w i t h  u s .  T h i s  i n f o r m a t i o n  c a n  i n c l u d e : 
                W h a t ?
                                     S o c i a l  S e c u r i t y  n u m b e r  a n d  i n c o m e 
                                     A c c o u n t  b a l a n c e s  a n d  t r a n s a c t i o n  h i s t o r y 
                                     C r e d i t  h i s t o r y  a n d  c r e d i t  s c o r e s
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  21/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
                H o w ?          A l l  f i n a n c i a l  c o m p a n i e s  n e e d  t o  s h a r e  c u s t o m e r s '  p e r s o n a l  i n f o r m a t i o n  t o  r u n  t h e i r
                                 e v e r y d a y  b u s i n e s s .  I n  t h e  s e c t i o n  b e l o w,  w e  l i s t  t h e  r e a s o n s  f i n a n c i a l  c o m p a n i e s
                                 c a n  s h a r e  t h e i r  c u s t o m e r s '  p e r s o n a l  i n f o r m a t i o n ;  t h e  r e a s o n s  C o m e n i t y  c h o o s e s  t o
                                 s h a r e ;  a n d  w h e t h e r  y o u  c a n  l i m i t  t h i s  s h a r i n g .
                                                                              D o e s
                                                                                         C a n y o u l i m i t
             R e a s o n s w e c a n s h a r e y o u r p e r s o n a l i n f o r m a t i o n C o m e n i t y
                                                                                         t h i s s h a r i n g ?
                                                                             s h a r e ?
         F o r  o u r  e v e r y d a y  b u s i n e s s  p u r p o s e s - s u c h  a s  t o  p r o c e s s  y o u r
         t r a n s a c t i o n s ,  m a i n t a i n  y o u r  a c c o u n t  ( s ) ,  r e s p o n d  t o  c o u r t  o r d e r s  a n d Ye s N o
         l e g a l  i n v e s t i g a t i o n s ,  o r  r e p o r t  t o  c r e d i t  b u r e a u s
         F o r  o u r  m a r k e t i n g  p u r p o s e s -  s u c h  a s  t o  o f f e r  o u r  p r o d u c t s  a n d  s e r v i c e s
                                                                               Ye s            N o
         t o  y o u
         F o r  j o i n t  m a r k e t i n g  w i t h  o t h e r  f i n a n c i a l  c o m p a n i e s Ye s N o
         F o r  o u r  a f f i l i a t e s '  e v e r y d a y  b u s i n e s s  p u r p o s e s - i n f o r m a t i o n  a b o u t  y o u r
                                                                               Ye s            N o
         t r a n s a c t i o n s  a n d  e x p e r i e n c e s
         F o r  o u r  a f f i l i a t e s '  e v e r y d a y  b u s i n e s s  p u r p o s e s - i n f o r m a t i o n  a b o u t  y o u r
                                                                               Ye s            Ye s
         c r e d i t w o r t h i n e s s
         F o r  o u r  a f f i l i a t e s  t o  m a r k e t  t o  y o u       Ye s            Ye s
         F o r  n o n a f f i l i a t e s  t o  m a r k e t  t o  y o u        Ye s            Ye s
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  22/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
                                 O u r  m e n u  w i l l  p r o m p t  y o u  t h r o u g h  y o u r  c h o i c e s : 
                                     C o m e n i t y  B a n k  c u s t o m e r s :  C a l l  1 - 8 0 0 - 2 2 0 - 11 8 1 ( T D D / T T Y  1 - 8 0 0 - 6 9 5 - 1 7 8 8 ) 
                                     C o m e n i t y  C a p i t a l  B a n k  c u s t o m e r s :  C a l l  1 - 8 7 7 - 2 8 7 - 5 0 1 2 ( T D D / T T Y  1 - 8 8 8 - 8 1 9 -
                                     1 9 1 8 ) 
            To l i m i t o u r
                                 P l e a s e  n o t e : 
               s h a r i n g
                                 I f  y o u  a r e  a  n e w  c u s t o m e r,  w e  c a n  b e g i n  s h a r i n g  y o u r  i n f o r m a t i o n  3 0  d a y s  f r o m
                                 t h e  d a t e  w e  s e n t  t h i s  n o t i c e .  W h e n  y o u  a r e  n o  l o n g e r  o u r  c u s t o m e r,  w e  c o n t i n u e
                                 t o  s h a r e  y o u r  i n f o r m a t i o n  a s  d e s c r i b e d  i n  t h i s  n o t i c e . 
                                 H o w e v e r,  y o u  c a n  c o n t a c t  u s  a t  a n y  t i m e  t o  l i m i t  o u r  s h a r i n g .
             Q u e s t i o n s ? C a l l  1 - 8 6 6 - 4 2 3 - 1 0 9 7
         W h o w e a r e
         W h o  i s  p r o v i d i n g  t h i s T h i s  p r i v a c y  n o t i c e  i s  p r o v i d e d  b y  t h e  C o m e n i t y  f a m i l y  o f  c o m p a n i e s ,  i n c l u d i n g
         n o t i c e ?           C o m e n i t y  B a n k  a n d  C o m e n i t y  C a p i t a l  B a n k .
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  23/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
         W h a t w e d o
         H o w  d o e s  C o m e n i t y To  p r o t e c t  y o u r  p e r s o n a l  i n f o r m a t i o n  f r o m  u n a u t h o r i z e d  a c c e s s  a n d  u s e ,  w e  u s e
         p r o t e c t  m y  p e r s o n a l s e c u r i t y  m e a s u r e s  t h a t  c o m p l y  w i t h  f e d e r a l  l a w.  T h e s e  m e a s u r e s  i n c l u d e  c o m p u t e r
         i n f o r m a t i o n ? s a f e g u a r d s  a n d  s e c u r e d  f i l e s  a n d  b u i l d i n g s .
                                 W e  c o l l e c t  y o u r  p e r s o n a l  i n f o r m a t i o n ,  f o r  e x a m p l e ,  w h e n  y o u 
                                     o p e n  a n  a c c o u n t  o r  p r o v i d e  a c c o u n t  i n f o r m a t i o n 
         H o w  d o e s  C o m e n i t y
                                     g i v e  u s  y o u r  i n c o m e  i n f o r m a t i o n 
         c o l l e c t  m y  p e r s o n a l
                                     u s e  y o u r  c r e d i t  o r  s h o w  y o u r  d r i v e r ' s  l i c e n s e 
         i n f o r m a t i o n ?
                                 W e  a l s o  c o l l e c t  y o u r  p e r s o n a l  i n f o r m a t i o n  f r o m  o t h e r s ,  s u c h  a s  c r e d i t  b u r e a u s ,
                                 a f f i l i a t e s ,  o r  o t h e r  c o m p a n i e s .
                                 F e d e r a l  l a w  g i v e s  y o u  t h e  r i g h t  t o  l i m i t  o n l y 
                                     s h a r i n g  f o r  a f f i l i a t e s '  e v e r y d a y  b u s i n e s s  p u r p o s e s - i n f o r m a t i o n  a b o u t  y o u r
                                     c r e d i t w o r t h i n e s s 
         W h y  c a n ' t  I  l i m i t  a l l
                                     a f f i l i a t e s  f r o m  u s i n g  y o u r  i n f o r m a t i o n  t o  m a r k e t  t o  y o u 
         s h a r i n g ?
                                     s h a r i n g  f o r  n o n a f f i l i a t e s  t o  m a r k e t  t o  y o u 
                                 S t a t e  l a w s  a n d  i n d i v i d u a l  c o m p a n i e s  m a y  g i v e  y o u  a d d i t i o n a l  r i g h t s  t o  l i m i t
                                 s h a r i n g .  S e e  b e l o w  f o r  m o r e  o n  y o u r  r i g h t s  u n d e r  s t a t e  l a w.
         W h a t  h a p p e n s  w h e n  I Yo u r  c h o i c e s  w i l l  a p p l y  t o  e v e r y o n e  o n  y o u r  a c c o u n t .
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  24/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
         l i m i t  s h a r i n g  f o r  a n
         a c c o u n t  I  h o l d  j o i n t l y
         w i t h  s o m e o n e  e l s e ?
         D e f i n i t i o n s
                                 C o m p a n i e s  r e l a t e d  b y  c o m m o n  o w n e r s h i p  o r  c o n t r o l .  T h e y  c a n  b e  f i n a n c i a l  a n d
                                 n o n f i n a n c i a l  c o m p a n i e s . 
         A f f i l i a t e s
                                     O u r  a f f i l i a t e s  i n c l u d e  c o m p a n i e s  w i t h  a  C o m e n i t y  n a m e ;  f i n a n c i a l  c o m p a n i e s
                                     s u c h  a s  C o m e n i t y  C a p i t a l  B a n k  a n d  C o m e n i t y  B a n k ,  o t h e r  C o m e n i t y  e n t i t i e s ;
                                     n o n f i n a n c i a l  c o m p a n i e s  s u c h  a s  E p s i l o n ,  A l l i a n c e  D a t a ,  a n d  L o y a l t y O n e .
                                 C o m p a n i e s  n o t  r e l a t e d  b y  c o m m o n  o w n e r s h i p  o r  c o n t r o l .  T h e y  c a n  b e  f i n a n c i a l
                                 a n d  n o n f i n a n c i a l  c o m p a n i e s . 
         N o n a f f i l i a t e s
                                     N o n a f f i l i a t e s  w e  s h a r e  w i t h  c a n  i n c l u d e  f i n a n c i a l  s e r v i c e  p r o v i d e r s ,  r e t a i l e r s ,
                                     d i r e c t  m a r k e t e r s ,  p u b l i s h e r s  a n d  n o n p r o f i t  o r g a n i z a t i o n s .
         J o i n t  m a r k e t i n g
                                 A  f o r m a l  a g r e e m e n t  b e t w e e n  n o n a f f i l i a t e d  f i n a n c i a l  c o m p a n i e s  t h a t  t o g e t h e r
                                 m a r k e t  f i n a n c i a l  p r o d u c t s  o r  s e r v i c e s  t o  y o u . 
                                     O u r  j o i n t  m a r k e t i n g  p a r t n e r s  m a y  i n c l u d e  l e n d e r s  a n d  i n s u r a n c e  c o m p a n i e s .
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  25/26
    6/7/2021                                Ikea� Projekt Credit Card - Legal Docs - Credit Card Agreement
         O t h e r i m p o r t a n t i n f o r m a t i o n
         W e  a l s o  w i l l  c o m p l y  w i t h  m o r e  r e s t r i c t i v e  s t a t e  l a w s  t o  t h e  e x t e n t  t h a t  t h e y  a p p l y ;  f o r  e x a m p l e ,  Ve r m o n t  o r
         C a l i f o r n i a .
    https://d.comenity.net/ikeaprojekt/pub/requestCca/requestCca.xhtml                                  26/26