b'9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nImportant Information Regarding Electronic\nCommunication\nRead this information carefully and keep a copy\nfor your records\nPrior to applying for a Academy Sports + Outdoors Credit Card, Comenity Capital Bank requests your consent to provide you\nimportant information electronically.\nYou understand and agree that Comenity Capital Bank may provide you with all required application disclosures regarding\nyour Academy Sports + Outdoors Credit Card application in electronic form. These disclosures include, but are not limited to,\nTerms and Conditions, the Credit Card Account Agreement and Customer Privacy Statement.\nYou agree to keep us updated at all times with your current contact information. If your contact information has changed\nplease contact us at 1-877-321-8509 (TDD/TTY: 1-888-819-1918).\nThis consent does not enroll you in paperless statements. In order to enroll in paperless statements, please visit Account\nCenter.\nAt your request, we will provide you with paper copies of these disclosures. You have the right to withdraw consent, without a\nfee. Please call us at 1-877-321-8509 (TDD/TTY: 1-888-819-1918) to withdraw your consent to receive electronic disclosures.\nIn order to receive electronic communications and to obtain the best view of these communications you will need access to\nthe Internet, have a web browser which supports HTML, SSL-encryption, JavaScript, CSS, the capability to download and\nprint these disclosures, and Adobe Reader to view PDF files. You may download it for free at https://get.adobe.com/reader/.\nVisit the Common Security Questions page for additional web browser information. By selecting the "Submit" button, you\nconfirm that your system meets these requirements and that you have the capability to access and download or print\nelectronic disclosures.\nWe recommend that you retain a copy of these disclosures for your records.\nIf this is a kiosk, this kiosk will display the disclosures listed above. Printed copies can be obtained at the customer service desk.\nNote: Your Academy Sports + Outdoors Credit Card account is issued by Comenity Capital Bank Please review Comenity Bank\'s\nFinancial Privacy Policy and Online and California Privacy Policy for more information. California Residents: Submit a Data Request\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n1/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nForm to make a Do Not Sell My Personal Information request.\nRate and Fee Summary\nThis Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Academy Sports + Outdoors Credit\nCard Account. Read it and keep it.\n\nInterest Rates and Interest\nCharges\nAnnual Percentage Rate (APR)\n\n26.99%\n\nfor Purchases\n\nThis APR will vary with the market based on the Prime Rate.\n\nYo 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\nH o w t o Av o i d P a y i n g I n t e r e s t\n\ncharge you interest on purchases if you pay your entire balance by the due date\neach month. If you do not, you will not get a grace period on purchases again until\ny 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.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $2 per credit plan.\n\nFor Credit Card Tips from the\n\nTo 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\n\nConsumer Financial Protection\n\ncard, visit the website of the Consumer Financial Protection Bureau at http://ww\n\nBureau\n\nw. 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 .\n\nFees\nAnnual Fee\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nNone\n\nUp to $40\nUp to $40\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n2/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nH 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 \xe2\x80\x9c 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 ) . \xe2\x80\x9d R e v i e w\nyour Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\nAgreement.\nWisconsin Residents: If you are married, contact us upon receipt of this Agreement at the General phone number in the How to Contact\nUs section below and give us your spouse\xe2\x80\x99s name and address.\nP 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 S e p t e m b e r 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\nm 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.\nI 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 .\nG 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.\nImportant Card Program Information: Academy Sports + Outdoors does not offer this card program to cardholders with a California\nmailing address as Academy Sports does not operate stores or ship products to the State of California.\nRate Information: The following chart provides details on your rates as of the Print Date shown above. If this Agreement was provided\nat point of sale, review the Agreement with your welcome package for variable rate information in effect within 30 days of mailing.\n\nPurchases\n\nAPR\n\nDaily Periodic Rate\n\nMargin\n\n26.99% (v)\n\n0.07394%\n\n23.74%\n\n(v) = variable\nAnnual Fee: If there is an Annual Fee in the Fees table above, this fee will be charged with the close of your first billing period and\na 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\nwhich the fee appears. The fee is otherwise non-refundable.\nLate Fee: If you do not pay the Minimum Payment by the Due Date, we charge a Late Fee. The fee is $29 if you were not charged a\nL 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.\nReturned Payment Fee: If you make a payment that is not honored, we charge a Returned Payment Fee even if the payment is honored\non resubmission. The fee is $29 if you were not charged a Returned Payment Fee in the same or the prior six billing periods. Otherwise,\ni 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.\nAlternative Payment Method Fee: We may allow you to make an expedited payment over the phone. If you do, we may charge a fee.\nC 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 \xe2\x80\x99 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\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n3/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nif you don\xe2\x80\x99t want to pay the fee.\nPromotional Credit Plans for Academy Sports + Outdoors Credit Card: Purchases made at a participating Academy Sports + Outdoors\nlocation or the Academy Sports + Outdoors website on an Academy Sports + Outdoors Credit Card Account may qualify for a Promotional\nC 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. 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 6 . 9 9 % , b a s e d o n t h e P r i m e R a t e .\nCurrent offers may include:\nDeferred Interest, Payment Required: No interest if paid in full within 6 or 12 months. Interest will be charged to the Account from the\npurchase date at the Purchase APR if the plan balance is not paid in full within the promotional period.\nApplicable to All Promotional Credit Plans\nAv 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\npurchases. For more information, visit a participating Academy Sports + Outdoors location or the Academy Sports +\nOutdoors website.\n\nMinimum payments are required for each Credit Plan. Review the Minimum Payment section below for more details.\n\nM 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 t h e 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\nmore than the minimum payment to avoid paying interest at the purchase APR. Some balances may be paid off before the\npromotional period ends.\n\nYo 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 .\n\nVa 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\nPlan, subject to a separate minimum purchase requirement and minimum interest charge.\n\nM 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\nby the Due Date on your statement.\nIf the New Balance on your statement is less than $29 (or $35 if you were charged a Late Fee during the prior six billing periods), the\nMinimum Payment is the New Balance. If the New Balance is more than $29 (or $35 if you were charged a Late Fee during the prior six\nbilling periods), the Minimum Payment is the Past Due amount plus the sum of the amounts due on each Credit Plan as follows:\nRegular Purchase, Deferred Interest,\n\n5% of plan balance at end of billing period rounded up to nearest $1 (minimum $5)\n\nP 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 ,\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n4/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nPayment Required\nDeferred Interest, Equal Payment and\n\nPurchase amount divided by number of months in promotional period rounded up to nearest\n\nWa i v e d I n t e r e s t , E q u a l P a y m e n t\n\n$1 (minimum $5)\nPurchase amount including calculated interest charges from purchase date through end of\n\nLow APR, Equal Payment\n\npromotional period divided by number of months in promotional period rounded up to\nnearest $1 (minimum $5)\n\nDeferred Interest, Low Payment and\nWa i v e d I n t e r e s t , L o w P a y m e n t\n\n1% of plan balance at end of billing period rounded up to nearest $1 (minimum $5)\n\nBudget Payment or Open Charge Budget\n\nMonthly payments of $49, $99, $149, $199 or $299, as specified in offer based on\n\nPayment\n\ntransaction amount\n\nOpen Charge (except Open Charge Budget\nPayment)\n\nDependent upon above for corresponding Credit Plan\nIf your balance increases during the Open Charge Period, your Minimum Payment will\nincrease\n\nHow to Contact Us:\nArbitration Claims\n\nComenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436\n\nArbitration Rejection\n\nComenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422\n\nBankruptcy Notifications\n\nComenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043\n\nBilling Errors\n\nComenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620\n\nCredit Reporting Disputes\n\nComenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120\n\nDisputed Debts\n\n6550 North Loop 1604 East, Suite 101, San Antonio, TX 78247-5004\nCredit Card Customer Care:\n\xe2\x80\xa2 Academy Sports + Outdoors: 1-877-321-8509\n\nGeneral\n\n\xe2\x80\xa2 T D D / T T Y: 1 - 8 8 8 - 8 1 9 - 1 9 1 8\n\xe2\x80\xa2 c o m e n i t y. n e t / a c a d e m y\n\xe2\x80\xa2 Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003\nW 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.\n\nCredit Card Agreement\nT 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 .\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n5/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nA 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\nA 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\nsignature on this Agreement.\nA 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\nProvision. If you do not, it will be part of this Agreement.\nChanges: The rates, fees and terms of this Agreement may change and we may add or delete any term. We will give you advance\nn 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.\n\nDefinitions\nAccount: the credit card account with us under this Agreement.\nAuthorized User: any person you allow to use your Account.\nCard: one or more cards or access devices, including your Account number or virtual card, we issue to you, or someone you authorize,\nto get credit under this Agreement.\nCash Advance: if applicable, the use of your Account to:\ng 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 ;\n\nb 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 ;\n\nget cash or pay someone using a check we offer for that purpose;\n\nmake any other transaction the merchant codes as a cash advance, money transfer or gambling.\n\nBalance transfers are Cash Advances unless we tell you otherwise.\nCredit Plan: each balance subject to different financing terms, such as regular purchases, Cash Advances, and promotional plans.\nMargin: the amount added to the Prime Rate to determine a variable APR.\nP 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 .\nWe, us or our: the issuer of your Card and its successors and assignees.\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n6/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nYo 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\nunder this Agreement.\n\nU s i n g Yo u r A c c o u n t\nYo 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\nYo u r A g r e e m e n t\n\ny 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\ntransactions.\n\nUse of Account\n\nAuthorized Users\n\nJoint Accounts\n\nCredit Authorizations\n\nCredit Limit\n\nYo 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\nof our network providers (e.g., Visa and Mastercard), you may use your Account to make Cash Advances.\nYo 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\nAuthorized User to use your Account.\nIf this is a joint Account, each of you agrees to be individually and jointly liable for the entire amount owed. Any\nnotice we send to either of you will serve as notice to both of you.\nWe may decline to authorize a transaction for any reason. We will not be liable to you if we do or if anyone\nrefuses any use of your Card.\nWe will tell you your credit limit or limits. Keep your balance below your credit limit or limits. If you do not, you\nmust still pay us. We may change your credit limit or limits at any time, without notice.\n\nPromotional Credit\n\nWe may offer special financing terms, such as deferred interest, waived interest, low APR or equal payment\n\nPlans\n\noptions. The Credit Plan or Plans will be subject to the terms of the offer and this Agreement.\nApplications (apps) on electronic devices (such as mobile wallets) can store your Card and be used to get credit\n\nElectronic Access\n\nunder this Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use.\nWe are not responsible for any consequences from your violation of those terms.\n\nAPRs and Interest Based on APRs\nReview your Summary for the APRs that apply to your Account\nWe add the applicable Margin specified in the Rate Information chart on the Summary to the Prime Rate to\nd 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\nVa r i a b l e A P R s\n\nany Maximum APR specified in the Rate Information chart.\nAny APR change will take effect on the first day of the billing period that begins after the Prime Rate changes.\nIncreased APRs will increase your interest charges and may increase your Minimum Payment.\n\nDaily Balance Method We calculate interest for each Credit Plan each day by applying the applicable daily periodic rate to the daily\n(including current\n\nbalance. The daily periodic rate is the APR for the Credit Plan divided by 365.\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n7/26\n\n\x0c9/9/2021\n\ntransactions)\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nWe start with the beginning balance each day (including unpaid interest and fees).\nWe add new transactions and fees to the applicable Credit Plan. We add transaction fees to the same Credit\nPlan as the transaction. We add all other fees to the regular purchase Credit Plan.\nWe subtract new credits and payments from the applicable Credit Plan and make other adjustments to get the\npartial daily balance.\nWe multiply the partial daily balance by the daily periodic rate to get the daily interest.\nWe add the daily interest to the partial daily balance to get the daily balance. This results in daily compounding\nof interest.\nWe add all the daily interest to get the total interest for the Credit Plan for the billing period. For a Deferred\nInterest Credit Plan, this interest is deferred.\nWe round interest to the nearest cent.\nCharging Interest: Interest begins on a transaction, fee or interest from the day added to the daily balance until\npaid in full.\nH 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 ,\nor if you paid the New Balance on your previous statement by the Due Date on that statement, we will not\ncharge interest on new regular purchases, or any portion thereof, paid by the Due Date on your current\nstatement. If you have promotional Credit Plans and/or balance transfers, we may exclude some of those\nb 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\n(i) any required minimum payment on such balances, (ii) the full amount of any Cash Advances and (iii) the full\namount of any promotional Credit Plan that expires in that billing period.\nYo 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 ,\n\nInterest\n\ndepending on how we apply your payment, you may not get a Grace Period on new regular purchases. Once you\nlose your Grace Period, you can get it back by paying the New Balance (less any promotional Credit Plans and/or\nbalance transfers as described above plus any interest charged up to the date the payment posts) in full for two\nb i l l i n g p e r i o d s i n a r o w.\nWa 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\nthe promotional period, any remaining balance is added to the regular purchase balance and is subject to interest\nat the then-current rate for regular purchases.\nDeferred Interest Credit Plan: Interest accrues on plan balances from the transaction date. We do not impose\nthat interest if you pay the balance in full by the end of the promotional period. After the promotional period, any\nremaining balance and interest from the transaction date is added to the regular purchase balance and is subject\nto interest at the then-current rate for regular purchases.\n\nPayments\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n8/26\n\n\x0c9/9/2021\n\nPayment Instructions\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nWe credit payments in accordance with the terms on your statement. Review your statement for details.\nPay in U.S. dollars, in funds on deposit in the U.S. If you don\xe2\x80\x99t, we may refuse your payment or charge you our\ncosts to collect the funds.\n\nHow We Apply\nPayments\n\nWe apply payments up to the Minimum Payment at our discretion, which may result in balances at lower APRs\nbeing paid first and higher interest charges. Payments over the Minimum Payment will be applied in accordance\nw i t h l a w.\n\nOther Information\nYo u a r e i n d e f a u l t i f :\n\xe2\x80\xa2 you fail to comply with this Agreement or any other agreement with us or an affiliate;\n\xe2\x80\xa2 a bankruptcy or other insolvency proceeding is filed by or against you;\nDefault\n\n\xe2\x80\xa2 we reasonably believe you are unable or unwilling to repay us;\n\xe2\x80\xa2 you die or are legally incompetent or incapacitated;\n\xe2\x80\xa2 you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem\nn e c e s s a r y.\nIf you are in default, we may declare the entire balance immediately due and payable without notice.\n\nCollection Costs\n\nPrivacy Policy\n\nI 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\nmay include reasonable attorneys\xe2\x80\x99 fees and court costs.\nYo 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\nStatement for details about our information sharing practices.\nWe may check your credit, employment and income records in connection with an application, update, renewal or\ne 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\n\nCredit Reporting\n\nobtaining such records by submitting an application or solicitation. Upon request, we will tell you the name and\naddress of any credit reporting agency that furnished a report on you. We may report Account status and\npayment history to credit reporting agencies, other creditors and the company whose name or brand appears on\nyour Card.\nNotify us immediately at the General mailing address or phone number in the How to Contact Us section of the\n\nUnauthorized Use\n\nSummary and assist us in our investigation if your Card is lost or stolen or you believe someone is using your\nCard without your permission.\n\nC l o s i n g Yo u r A c c o u n t\nF o r e i g n Tr a n s a c t i o n s\n\nYo 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\nmay close, suspend or not renew your Account at any time, for any reason, without notice.\nIf applicable, transactions in foreign currency are converted to U.S. dollars by our network providers (e.g., Visa\na 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\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n9/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\ngovernment-mandated or wholesale rate. These procedures may change without notice.\nThe conversion rate you get may differ from the rate on the transaction or post date and from the rate our\nn 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\nt 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.\nF 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\no n t h e S u m m a r y.\nConformance with\nLaw; Severability\nN o Wa i v e r\nAssignment\n\nI 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\nt 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\nnoted in the Arbitration Provision.\nWe will not lose our rights under this Agreement because we delay or do not enforce them.\nW 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\nany of your rights or obligations under this Agreement.\n\nN 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.\n\nCommunications with Us\nM 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\nrecorded. Inform Authorized Users and persons acting on your behalf or making payments on this Account of this provision.\nC 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\nagents, to communicate with you in any way to service or collect your Account, such as calling, texting or email via:\nany phone number you give us even if the number is or converts to a mobile phone number;\n\nany other number you provide, use to contact us or may utilize;\n\na 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\n\nany email address you provide to us or any other person or company that provides any services in connection with this Agreement.\n\nS 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\nartificial voice messages and any other form of communication.\nCommunications may result in additional mobile, text message, data or other charges.\nYo 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.\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n10/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nDisputed Debts: All written communications about disputed amounts, including any check or payment instrument marked \xe2\x80\x9cpayment in full\xe2\x80\x9d\no 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\nlosing our rights.\nBankruptcy Notifications: Send bankruptcy notices and related correspondence to the address for Bankruptcy Notifications on the\nS u m m a r y.\nC 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\nC 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.\nC 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 ,\nc 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 .\nWhile we try to ensure accuracy of translations, we are not responsible for any inaccuracies in translation or misunderstandings due to\ndifferences in usage or dialect. In the event of inconsistency between the English version and the translation, the English version will\ncontrol.\n\nNotice for Active Duty Military Members and Their Dependents\nThe following disclosures apply to you if, in connection with opening your Account, we determine you are a \xe2\x80\x9ccovered borrower\xe2\x80\x9d as\ndefined in the Military Lending Act, which includes eligible active duty members of the Armed Forces and their dependents:\nT 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 \xe2\x80\x9c 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 \xe2\x80\x9d d o e s n o t a p p l y t o y o u .\n\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of\nconsumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not\nexceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The\ncosts associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee\ncharged (other than certain participation fees for a credit card account).\n\nTo 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\nthe General TDD/TTY number on the Summary).\n\nA 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\nKey Provisions\n\nP 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 :\n\xe2\x80\xa2 A : J u r y Tr i a l Wa i v e r ;\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n11/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\n\xe2\x80\xa2 C: Arbitration Provision;\n\xe2\x80\xa2 C.1: Right to Reject;\n\xe2\x80\xa2 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\n\xe2\x80\xa2 C . 7 : C l a s s A c t i o n Wa i v e r.\nTo 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\nA . J u r y Tr i a l Wa i v e r\n\nout of or related to this Agreement. This jury trial waiver shall not affect the Arbitration Provision below\n( 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\nk 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.\nPrior to bringing a lawsuit or initiating an arbitration that asserts a claim arising out of or related to this\nA 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, \xe2\x80\x9c C l a i m \xe2\x80\x9d ) , 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 ( \xe2\x80\x9c C l a i m a n t \xe2\x80\x9d ) s h a l l g i v e t h e o t h e r\np a r t y ( \xe2\x80\x9c D e f e n d a n t \xe2\x80\x9d ) w r i t t e n n o t i c e o f t h e C l a i m ( \xe2\x80\x9c C l a i m N o t i c e \xe2\x80\x9d ) 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\ndays, to resolve the Claim. Any Claim Notice to you shall be sent to the address we have in our records (or any\nupdated address you subsequently provide to us). Any Claim Notice to us shall be sent by mail to the address\n\nB. Notice and Cure\n\nfor Arbitration Claims on the Summary (or any updated address we subsequently provide). Any Claim Notice you\nsend must provide your name, address and Account number and explain the nature of the Claim and relief\nd 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\nt 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\nClaimant must reasonably cooperate in providing any information about the Claim that the Defendant reasonably\nrequests.\n\nC. Arbitration\nProvision\n\nR 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 ,\nb 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\nresolve any Claim you or we have against each other now or in the future.\nIf you don\xe2\x80\x99t want this Arbitration Provision (and any prior arbitration agreement between you and us\n( \xe2\x80\x9c 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 \xe2\x80\x9d ) ) 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\ngives your name and contains a statement that you (both of you, if more than one) reject the Arbitration\n\n1. Right to Reject\n\nProvision of this Agreement. The rejection notice must be sent to us at the address for Arbitration\nR 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\nthan one) and if we receive it within 30 calendar days after the date we first provide you with a credit card\na 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\nArbitration Provision will not affect any other provision of this Agreement or your ability to obtain credit.\n\n2. Parties\n\nSolely as used in this Arbitration Provision (and not elsewhere in this Agreement), the terms \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d\nmean\na. the issuer of your Card named on the Summary and its successors and/or assigns, as well as any parent,\nsubsidiary or affiliate of theirs and their employees, officers and directors (the \xe2\x80\x9cBank Parties\xe2\x80\x9d); and\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n12/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nb. any other person or company that provides any services in connection with this Agreement if you assert a\nC 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.\n\xe2\x80\x9cClaim\xe2\x80\x9d means any claim, dispute or controversy between you and us that in any way arises from or relates to\nthis Agreement, the Account, the issuance of any Card, any rewards program and/or any prior agreement or\naccount. \xe2\x80\x9cClaim\xe2\x80\x9d includes disputes arising from actions or omissions prior to the date any Card was issued to\nyou, including the advertising related to, application for or approval of the Account. \xe2\x80\x9cClaim\xe2\x80\x9d has the broadest\npossible meaning, and includes initial claims, counterclaims, cross-claims and third-party claims. It includes\ndisputes based on contract, tort, consumer rights, fraud and other intentional torts, constitution, statute,\n3. Covered Claims\n\nregulation, ordinance, common law and equity (including any claim for injunctive or declaratory relief). \xe2\x80\x9cClaim\xe2\x80\x9d\nd 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\npart thereof (including, without limitation, the prohibition against class proceedings, private attorney general\nproceedings and/or multiple party proceedings described in Paragraph C.7, Prohibitions Against Certain\nP 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\na 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\ne 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 .\nArbitration may be elected by any party with respect to any Claim, even if that party has already initiated a\n\n4. Starting an\nArbitration\n\nlawsuit with respect to a different Claim. Arbitration is started by giving a written demand for arbitration to the\no 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\ny o u r s t a t e \xe2\x80\x99 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\nthen have the right to demand arbitration.\n\xe2\x80\x9c A d m i n i s t r a t o r \xe2\x80\x9d 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 ( \xe2\x80\x9c A A A \xe2\x80\x9d ) , 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\n1 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\ncompany selected by mutual agreement of the parties. If both AAA and JAMS cannot or will not serve and the\nparties are unable to select an Administrator by mutual consent, the Administrator will be selected by a court.\nT 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,\nt 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\n\n5. Administrator\n\nselect the Administrator if you give us written notice of your selection with your notice that you are electing to\na 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\nyou dispute our right to require arbitration of the Claim, within 20 days after that dispute is finally resolved). If\nyou do not select the Administrator on time, we may do it. Notwithstanding any language in this Arbitration\nP 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 ,\nby any Administrator that has in place a formal or informal policy that is inconsistent with the Class Action\nWa i v e r.\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n13/26\n\n\x0c9/9/2021\n\n6. Court and Jury\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nIf you or we elect to arbitrate a Claim, you will not have the right to pursue that Claim in court or have a\n\nTr 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\nLimitations on Legal\n\na lawsuit. Other rights that you would have if you went to court may also not be available in arbitration.\n\nRights\nIf you or we elect to arbitrate a Claim:\na. neither you nor we may participate in a class action in court or in class-wide arbitration, either as a\n7. Prohibition Against\nCertain Proceedings\n( C l a s s A c t i o n Wa i v e r )\n\nplaintiff, defendant or class member;\nb. neither you nor we may act as a private attorney general in court or in arbitration;\nc. Claims brought by or against you may not be joined or consolidated with Claims brought by or against\nany other person; and\nd. the arbitrator shall have no power or authority to conduct a class-wide arbitration, private attorney\ngeneral arbitration or multiple-party arbitration.\nAny arbitration hearing that you attend must take place at a location reasonably convenient to you. We will pay\nany and all fees of the Administrator and/or the arbitrator if applicable law requires us to, if you prevail in the\n\n8. Location and Costs\n\narbitration or if we must bear such fees in order for this Arbitration Provision to be enforced. If you demand an\narbitration, we will pay your reasonable attorneys\xe2\x80\x99 and experts\xe2\x80\x99 fees if you prevail or if we must bear such fees\nin order for this Arbitration Provision to be enforced. Also, we will bear any fees if applicable law requires us to.\nThis Arbitration Provision involves interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C.\n\xc2\xa7 \xc2\xa7 1 - 1 6 ( \xe2\x80\x9c FA A \xe2\x80\x9d ) , 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\nc 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\n\n9. Governing Law\n\narbitrator may award any remedy provided by the substantive law that would apply if the action were pending in\ncourt (including, without limitation, punitive damages, which shall be governed by the Constitutional standards\ne 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\nexplanation of the basis for the award.\nI n a d d i t i o n t o t h e p a r t i e s \xe2\x80\x99 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\n\n10. Discovery\n\nparty may submit a written request to the arbitrator to expand the scope of discovery normally allowable under\nt 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 .\nJudgment upon the arbitrator \xe2\x80\x99s award may be entered by any court having jurisdiction. The arbitrator \xe2\x80\x99s decision is\n\n11 . R e s u l t a n d A p p e a l s\n\nf 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\nfinding, award or judgment from an arbitration of any Claim shall apply only to that arbitration. No finding, award\nor judgment from any other arbitration shall impact the arbitration of any Claim.\n\n12. Interpretation\n\nThis Arbitration Provision shall survive the repayment of all amounts owed under this Agreement, the closing of\nt 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\nthe event of a conflict or inconsistency between this Arbitration Provision and the applicable arbitration rules or\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n14/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nthe other provisions of this Agreement, this Arbitration Provision shall govern. This Arbitration Provision replaces\nany Prior Arbitration Agreement.\nIf any portion of this Arbitration Provision is held to be invalid or unenforceable, the remaining portions shall\nnevertheless remain in force, subject to two exceptions. First, if a determination is made that the Class Action\nWa 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\n13. Severability\n\nv 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\nn 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\ninjunctive relief Claim will be decided by a court, any individual Claims will be arbitrated, and the parties will ask\nthe court to stay the public injunctive relief Claim until the other Claims have been finally concluded.\nThe arbitrator shall award you at least $5,100 (plus any fees and costs to which you are entitled) if:\na. you submit a Claim Notice in accordance with Paragraph B, Notice and Cure, above on your own behalf (and\n\n14. Special Payment\n\nnot on behalf of any other party);\nb. we refuse to provide you with the relief you request before an arbitrator is appointed; and\nc. an arbitrator subsequently determines that you were entitled to such relief (or greater relief).\n\nYo 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\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nW 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\nIf you think there is an error on your statement, write to us at the address for Billing Errors on the Summary\nI 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 :\nA 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.\n\nD 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.\n\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a\nmistake.\n\nYo u m u s t c o n t a c t u s :\nWithin 60 days after the error appeared on your statement.\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n15/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\n\nYo 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\nerrors and you may have to pay the amount in question.\nW 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\nW 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 :\n1 . 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\nc o r r e c t e d t h e e r r o r.\n2 . 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 .\nWhile we investigate whether or not there has been an error:\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\n\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\nI 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 .\n\nI 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\nwill send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do\nnot pay the amount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to\np 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\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n16/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nname of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYo 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\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo 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 :\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to\nyou, or if we own the company that sold you the goods or services.)\n2 . 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\na 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.\n3 . 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 .\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address for Billing Errors\no n t h e S u m m a r y.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you\no 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 .\n\nPricing Addendum\nInterest Rates and\nInterest Charges\n\n23.74%\n\nAnnual Percentage Rate\n\nPrime Rate plus\n\n(APR) for Purchases\n\nThis APR will vary with the market based on the Prime Rate.\n\nH o w t o Av o i d P a y i n g\n\nYo 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\n\nInterest\n\nyou interest on purchases if you pay your entire balance by the due date each month. If\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n17/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nyou do not, you will not get a grace period on purchases again until you pay the entire\nb 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.\n\nMinimum Interest\nCharge\n\nIf you are charged interest, the charge will be no less than $2 per credit plan.\n\nFees\nAnnual Fee\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nBalance Computation\nMethod\n\nNone\n\nUp to $40\nUp to $40\n\nWe use a method called "daily balance (including current transactions)."\n\nPlease review the Important Information and\nTe 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\nsubmitting your application.\nTo apply you must:\nBe at the age of majority in your state or territory;\nHave a valid government-issued photo ID;\nHave a valid government issued tax identification number, such as a Social Security number (SSN) or Social Insurance\nNumber (SIN);\nHave a street, rural route, or APO/FPO mailing address. We do not accept PO Box mailing addresses.\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n18/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nYou agree that this application and any information you submit to Comenity Capital Bank may be shared with and retained by\nAcademy Sports + Outdoors.\n\nImportant Information about Opening an Account\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions\nto obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open\nan 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\nfor your driver\'s license or other identifying documents.\nCalifornia Residents:\nIf you are married, you may apply for a separate account.\nOhio Residents:\nThe Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and\nthat credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights\nCommission administers compliance with this law.\nNew York, Rhode Island and Vermont Residents:\nWe may order credit reports in connection with processing applications/solicitations and any update, renewal or extension of\ncredit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you.\nYou consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation.\nWisconsin Residents:\nNo provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court\norder under Section 766.70 adversely affects the interest of the creditor, Comenity Capital Bank, unless the Bank, prior to the\ntime credit is granted is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse\nprovision when the obligation to the Bank is incurred.\nIf you have been preapproved, see below for details of your offer.\n\nYou can choose to stop receiving \xe2\x80\x9cprescreened\xe2\x80\x9d offers of credit from this and other companies by calling\ntoll-free 1-888-567-8688. See Prescreen & Opt-out Notice below for more information about prescreened\noffers.\nPRESCREEN & OPT-OUT NOTICEThis \xe2\x80\x9cprescreened\xe2\x80\x9d offer of credit is based on information in your credit report indicating\nthat you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive\nprescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688;\nor write: Experian, PO Box 919, Allen, TX 75013; TransUnion, PO Box 505, Woodlyn, PA 19094; Equifax, PO Box 740123,\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n19/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nAtlanta, GA 30374; SageStream, LLC, PO Box 503793, San Diego, CA 92150; Innovis, PO Box 495, Pittsburgh, PA 152300495.\nImportant Information for Covered Borrowers under the Military Lending Act\nFor New Accounts- Federal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may\nnot exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs\nassociated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than\ncertain participation fees for a credit card account)\nTo hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418; (TDD/TTY: 1-888819-1918).\nI am applying to Comenity Capital Bank for, and hereby request, a Academy Sports + Outdoors Credit Card for personal, family or\nhousehold use. I hereby authorize Comenity Capital Bank to investigate my credit record. The information that I have supplied is true\nand correct. I agree that a credit report may be obtained for any lawful purpose, including in connection with the processing of an\napplication, or subsequently with the update, renewal or extension of credit. Upon my request, I will be informed of whether or not a\nconsumer credit report was ordered, and if it was, I will be given the name and address of the consumer-reporting agency that furnished\nthe report. I agree to be bound by the terms of the Academy Sports + Outdoors Credit Card account agreement. I acknowledge that I\nwill receive a Academy Sports + Outdoors Credit Card account agreement upon approval. I also acknowledge that there is no\nagreement between Comenity Capital Bank and me until Comenity Capital Bank approves my credit application and accepts the\nAcademy Sports + Outdoors Credit Card account agreement at its office in Utah and that the Academy Sports + Outdoors Credit Card\naccount agreement is deemed to be made in Utah. Credit Card are issued and credit is extended by Comenity Capital Bank, Salt Lake\nCity, Utah.\nPlease note:\nBy submitting this credit application, you are agreeing to the following with respect to certain consumer information about\nyou.\nYou hereby authorize Comenity Capital Bank ("us" or "we") to furnish our decision to issue an account to you to Academy Sports +\nOutdoors Credit Card. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit\nbureaus, other creditors and Academy Sports + Outdoors Credit Card.\nCheck your information before submitting. We cannot process any submission without a complete and accurate name, address, date of\nbirth and social security number. By submitting this Application you are acknowledging having read and understood the Important Rate,\nFee and Other Cost Information and, if approved, agreeing to be bound by them.\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n20/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nFinancial Privacy Policy\nhttp://www.comenity.net/academy/images/privacy.pdf (PDF)\nYou need Adobe Reader to view PDF files. You may download it for free from Adobe.\n\nFACTS\n\nWHAT DOES COMENITY DO WITH YOUR PERSONAL\nINFORMATION?\n\nFinancial companies choose how they share your personal information. Federal\n\nWhy?\n\nlaw gives consumers the right to limit some but not all sharing. Federal law also\nrequires us to tell you how we collect, share, and protect your personal\ninformation. Please read this notice carefully to understand what we do.\n\nThe types of personal information we collect and share depend on the product or\nservice you have with us. This information can include:\n\nWhat?\n\nSocial Security number and income\nAccount balances and transaction history\nCredit history and credit scores\n\nHow?\n\nAll financial companies need to share customers\' personal information to run their\ne 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\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n21/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\ncan share their customers\' personal information; the reasons Comenity chooses to\nshare; and whether you can limit this sharing.\n\nDoes\nComenity\nshare?\n\nCan you limit\nthis sharing?\n\nYe s\n\nNo\n\nFor our marketing purposes- such as to offer our products and services\nto you\n\nYe s\n\nNo\n\nFor joint marketing with other financial companies\n\nYe s\n\nNo\n\nYe s\n\nNo\n\nYe s\n\nYe s\n\nFor our affiliates to market to you\n\nYe s\n\nYe s\n\nFor nonaffiliates to market to you\n\nYe s\n\nYe s\n\nReasons we can share your personal information\n\nFor our everyday business purposes-such as to process your\ntransactions, maintain your account (s), respond to court orders and\nlegal investigations, or report to credit bureaus\n\nFor our affiliates\' everyday business purposes-information about your\ntransactions and experiences\n\nFor our affiliates\' everyday business purposes-information about your\ncreditworthiness\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n22/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nTo limit our\nsharing\n\nOur menu will prompt you through your choices:\nC 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 )\nComenity Capital Bank customers: Call 1-877-287-5012 (TDD/TTY 1-888-8191918)\nPlease note:\nI 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\nt 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\nto share your information as described in this notice.\nH 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 .\n\nQuestions?\n\nCall 1-866-423-1097\n\nWho we are\n\nWho is providing this\n\nThis privacy notice is provided by the Comenity family of companies, including\n\nnotice?\n\nComenity Bank and Comenity Capital Bank.\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n23/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nWhat we do\n\nHow does Comenity\n\nTo 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\n\nprotect my personal\n\ns 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\n\ninformation?\n\nsafeguards and secured files and buildings.\n\nWe collect your personal information, for example, when you\nopen an account or provide account information\n\nHow does Comenity\n\ngive us your income information\nuse your credit or show your driver\'s license\n\ncollect my personal\ninformation?\n\nWe also collect your personal information from others, such as credit bureaus,\naffiliates, or other companies.\n\nFederal law gives you the right to limit only\nsharing for affiliates\' everyday business purposes-information about your\ncreditworthiness\n\nWhy can\'t I limit all\nsharing?\n\naffiliates from using your information to market to you\nsharing for nonaffiliates to market to you\nState laws and individual companies may give you additional rights to limit\ns 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.\n\nWhat happens when I\n\nYo 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 .\n\nlimit sharing for an\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n24/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\naccount I hold jointly\nwith someone else?\n\nDefinitions\n\nCompanies related by common ownership or control. They can be financial and\nnonfinancial companies.\nAffiliates\n\nOur affiliates include companies with a Comenity name; financial companies\nsuch as Comenity Capital Bank and Comenity Bank, other Comenity entities;\nnonfinancial companies such as Epsilon, Alliance Data, and LoyaltyOne.\n\nCompanies not related by common ownership or control. They can be financial\nand nonfinancial companies.\nNonaffiliates\nNonaffiliates we share with can include financial service providers, retailers,\ndirect marketers, publishers and nonprofit organizations.\n\nA formal agreement between nonaffiliated financial companies that together\nJoint marketing\n\nmarket financial products or services to you.\nOur joint marketing partners may include lenders and insurance companies.\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n25/26\n\n\x0c9/9/2021\n\nAcademy Sports + Outdoors Credit Card - Legal Docs - Credit Card Agreement\n\nOther important information\n\nW 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\nCalifornia.\n\nhttps://d.comenity.net/academy/pub/requestCca/requestCca.xhtml\n\n26/26\n\n\x0c'