Avant Credit Card

“…ctronic form. See the Fees section in your Cardholder Agreement for more details. CARDHOLDER AGREEMENT ARBITRATION NOTICE: THIS AGREEMENT INCLUDES AN ARBITRATION PROVISION WHICH WILL APPLY TO YOU UNLESS (1) YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT, OR (2) YOU REJECT THE ARBITRATION PROVISION. IF APPLICA…”

“…Unless prohibited by applicable law and unless you opt-out, you and we agree that any party about? agreement to arbitrate covered by this Clause may elect to arbitrate or require arbitration of any Dispute as defined Disputes. below. Who does the Clause You, us, and certain This Clause governs you and us. It also c…”

“…f this Agreement at the time you sign it. You acknowledge that you have received a copy of this Agreement for your records This Agreement includes an Arbitration provision. Arbitration replaces the right to go to court and the right to have a jury decide a dispute. You may opt out of this Arbitration provision by follow…”

“…OVISION. IF APPLICABLE, THE ARBITRATION PROVISION WILL SIGNIFICANTLY AFFECT YOUR RIGHTS IF A DISPUTE ARISES BETWEEN YOU AND US. FOR EXAMPLE, YOU WILL NOT BE ABLE TO BRING OR PARTICIPATE IN A CLASS ACTION https://www.imaginecredit.com/legal/#cardholder-agreement 4/41 4/23/26, 6:28 PM Legal - imaginecredit.com RELATING TO MATTERS ARISING UNDER TH…”

“…tes. Disputes subject to 2. Have courts, other than small-claims courts, decide Disputes. this Clause? 3. Serve as a private attorney general or in a representative capacity. 4. Join or consolidate a Dispute with disputes by other parties. 5. Bring or be a class member in a class action claim or lawsuit, including as a re…”

“…ispute in a court may elect to arbitrate any other dispute that may be raised in that litigation. Disputes brought as part of a class action or other representative basis are subject to arbitration on an individual (nonclass, non-representative) basis. IF YOU DO NOT OPT OUT, THEN YOU WILL HAVE WAIVED YOUR RIGHT TO INDI…”

“…maginecredit.com/legal/#cardholder-agreement 4/41 4/23/26, 6:28 PM Legal - imaginecredit.com RELATING TO MATTERS ARISING UNDER THIS AGREEMENT AND YOU WAIVE YOUR RIGHT TO A JURY TRIAL. U.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The provisions titled Using Your Account, Disputed Payments- Postdated Checks, Restrictive End…”

“…ys after we send you the Card or if you (or an Authorized User) use the Account. However, you may reject the Arbitration Clause with Class Action and Jury Trial Waiver ( Clause ) as noted in that Clause if you wish. In the event of a dispute, the Clause will have a substantial effect on your rights, including your…”

“…ns 20. Disclosure of Information to Third Parties 21. Governing Law 22. Arbitration Provision 22.1. De nitions 22.2. Right to Elect Arbitration 22.3. No Jury Trial or Class Claims 22.4. Initiation of Arbitration 22.5. Public Injunctive Relief 22.6. Arbitration Award and Appeals 22.7. Enforcement of this Arbitrat…”

“…esignated fixed payment amount. If your New Balance is less than the fixed amount you designate, only the New Balance will be deducted. If you have a Deferred Interest Plan and you enroll in our Automatic Payment Plan, you will need to make one or more additional payments by mail or by phone to avoid interest. See D…”

“…c to a Purchase or a group of Purchases. We may offer any of the following Purchase-Specific Promotions from time to time: Reduced Interest Purchases Deferred Interest Purchases (sometimes marketed as No Interest if Paid in Full ) Planned Payment Purchases Purchase-Specific Promotions Reduced Interest Purchases What…”

“…count at any time without incurring any additional charge for prepayment. Change of Terms (including Interest Charges). Subject to applicable law, we may change or terminate any term of this Agreement or add new terms at any time, including, without limitation, adding or increasing fees, increasing your minimum payment and increasing the rate or amount of interest charges or c…”

“…ILL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. Section 25: Change in Terms Subject to the limitations of applicable law, we may at any time change, add to, or delete any of the terms and conditions in this Agreement. We will give you notice of any change, addition, or deletion as required by applicable law. Such changed terms will…”

“…and obligations under this Agreement. Any attempted sell, assignment or transfer by you without our prior written consent will be null and void. 35. Change of Terms Subject to applicable law, we may at any time change, add to or delete terms and conditions of this Agreement, including interest rates, fees and charges. Such changes may be based on our anti-fr…”

“…our APR will vary with the market based on the Prime Rate.1 APR for Cash Advances 29.49% This APR will vary with the market based on the Prime Rate.2 Penalty APR and When it 33.49%. This APR will vary with the market based on the Prime Applies Rate.3 This APR may be applied to your Account if you: Make late pa…”

“…AGREEMENT INCLUDES AN ARBITRATION PROVISION WHICH WILL APPLY TO YOU UNLESS (1) YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT, OR (2) YOU REJECT THE ARBITRATION PROVISION. IF APPLICABLE, THE ARBITRATION PROVISION WILL SIGNIFICANTLY AFFECT YOUR RIGHTS IF A DISPUTE ARISES BETWEEN YOU AND US. FOR EXAMPLE, YOU…”

“…his Agreement if you do not cancel your Account within 30 days after we send you the Card or if you (or an Authorized User) use the Account. However, you may reject the Arbitration Clause with Class Action and Jury Trial Waiver ( Clause ) as noted in that Clause if you wish. In the event of a dispute, the Clause…”

“…his Agreement includes an Arbitration provision. Arbitration replaces the right to go to court and the right to have a jury decide a dispute. You may opt out of this Arbitration provision by following the instructions below in the Arbitration section. If you are a Covered Borrower under the Military Lending Act, the provis…”