Match up with the
perfect imagin card

1. imagin, the trade name of imaginersGen, SA, an agent of CaixaBank, S.A. CaixaBank, S.A., markets products of the hybrid payment entity CaixaBank Payments & Consumer, (CPC), E.F.C., E.P., S.A.U., with Tax ID A-08980153, registered in the Bank of Spain Official Register of Companies under number 8776, and the entity that offers the MyCard cards. The system chosen by CPC to protect the funds of payment service users is to deposit them in a separate account opened with CaixaBank, S.A. Issuance of the card subject to approval by the CPC. The card has €0 issue and maintenance fee. You can see the usual prices for frequent banking services (Annex 1) at www.caixabank.es/tarifas. Credit card with payment after 2 days. In this case, purchases will be settled on credit with the account balance, one by one, 48 hours after each purchase. Representative example calculated according to the parameters required by the consumer credit regulations, to repay the credit of €1,500 (total amount of credit) drawn down and repaid in full by a single payment 2 days after each drawdown, successively over one year: AER 0%, NIR 0%. Total amount payable: €1500 (€1,500 collected monthly for the following 12 months). Total cost of the credit: €0. See how it works at www.imagin.com/informacion-tarjetas.

2. The instalment payment method consists of paying the purchase with interest over a period of your choice between 2 and 12 months (or 24 months for purchases of €600 or more). The minimum amount is €40 and the maximum is the credit limit available on your card. Until 31/10/2023 the customer can split all the transactions they like over 2 months, free of charge. Example of instalment payment calculated for a split purchase made on 01/09/2022 of €100 (total credit) over 2 months: AER 0%, NIR 0%. Total amount payable: €100. Total cost of credit (interest payments): €0. Monthly payments: two instalments of €50.

3. CaixaBank will never charge a price for using its ATMs when you withdraw cash on debit.

4. For all indicated Card types: CPC includes free travel assistance insurance.

5. imagin, the trade name of imaginersGen, SA, an agent of CaixaBank, S.A. CaixaBank, S.A., markets products of the hybrid payment entity CaixaBank Payments & Consumer, (CPC), E.F.C., E.P., S.A.U., with Tax ID A-08980153, registered in the Bank of Spain Official Register of Companies under number 8776, and the entity that offers the credit cards. The system chosen by CPC to protect the funds of payment service users is to deposit them in a separate account opened with CaixaBank, S.A. Issuance of the card subject to approval by the CPC.

6. If the monthly payment you choose is very low in comparison to the outstanding debt, we will apply a minimum monthly amount set to reduce the risk of excessive prolongation of the debt repayment period: this will be the result of adding a corrective factor (0.85%) to the monthly NIR (1.70%) and multiplying it by the outstanding debt. Both concepts are explained in the contract and the ESIS. You can increase the monthly payment whenever you wish. The maximum amount that you can pay every month will be 100% of the credit limit.

7. The deferred (revolving) payment method consists of paying the entire credit used in instalments, with an associated maximum annual interest rate of 20.40% NIR (22.42% AER). Any repayments will be added back to your available credit. Representative example calculated for repaying credit of €1,500 used on 01/09/2022 (total amount of the credit) with the deferred payment method over 48 months (first effective payment on 01/10/2022): AER 22.42%, NIR 20.40%. Total amount payable: €2,206.23. Total cost of credit (interest payments): €706.23. Monthly payments: 47 instalments of €45.97 and a final instalment of €45.64. French repayment system. The foregoing assumes that you do not perform any new transactions that increase the card's outstanding balance and that the debt is formalised at the beginning of the period.

8. The deferred payment method consists of paying for the purchase with interest during the period of your choice, between 3, 6, 9 or 12 months and up to 24 months for purchases over €600. The minimum amount is €40 and the maximum is the credit limit available on your card. Representative example calculated for a purchase made on 01/09/2022 for €1,500 (total amount of the credit) deferred with the card over 12 months: AER 22.42%, NIR 20.40%. Total amount payable: €1,670.88. Total cost of credit (interest payments): €170.88. Amount of the twelve monthly payments of €139.24 French repayment system.

9. The minimum age for requesting a Carné Joven depends on which type of Card you want and the Autonomous Community you live in. In Catalonia, the Balearic Islands and Asturias, you can request a non-financial version from the age of 12, the debit card and prepaid version from the age of 14 and the credit card version from the age of 18. In the Canary Islands and Melilla, you can apply for a non-financial version and the debit and prepaid version from the age of 14, and the credit card version from the age of 18. In Murcia, you can apply for the non-financial version and the debit card version from the age of 14 and the credit card version from the age of 18. In Madrid, Castilla-León and Navarra, you can apply for the debit card version from the age of 14 and the credit card version from the age of 18. Card types: The Carné Joven, a non-financial card for young people between 12 and 30 years old in Catalonia, the Balearic Islands and Asturias and between 14 and 30 years old in Melilla, Murcia and the Canary Islands. The Youth Card, a debit card for young people between 14 and 30 years old, and a credit card for people between 18 and 30 years old. Card issued by the hybrid payment institution CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. (“CPC”) with Tax ID A08980153, and registered in the Bank of Spain Official Register of Companies under number 8776. CaixaBank, S.A. acts as the agent of the card issuing entity. Card issuance subject to approval by CPC. You can view the prices usually applied to the banking services most frequently provided (Annex 1) at: www.caixabank.es/tarifas. Carné Joven, prepaid card for young people from 14 to 30 years of age. Card issued by electronic money operator Global Payments Moneytopay, EDE, S.L., (M2P) with Tax ID B-65866105, and registered in the Bank of Spain Official Register of Companies under code 6702. CaixaBank, S.A. acts as the agent of the cards issuing entity. The system chosen to protect the funds of customers using the CPC and M2P payment services is to deposit them in a separate account opened in CaixaBank, S.A. Advertising issued by imaginersGen S.A., the entity that owns the "imagin" trademark, and which promotes the Carné Joven Programme. imaginersGen S.A. is an agent of CaixaBank S.A., which has Tax ID no. A-08663619 and is listed in the Bank of Spain Official Register of Companies under number 2100.