INTEREST RATES AND INTEREST CHARGES 
                                      a 
       Annual Percentage Rate (APR)   25.99%   
       for Purchases           This APR will vary with the market based on the Prime Rate. 
       How to Avoid Paying Interest    Your due date will be a minimum of 25 days following the close of each billing 
       on Purchases           cycle. We will not charge interest on new purchases provided you have paid 
                              your entire balance in full by the due date each month. 
       Minimum Interest Charge  If you are charged periodic interest, the charge will be no less than $1.00. 
       For Credit Card Tips from the  To learn more about factors to consider when applying for or using a credit card,    
       Consumer Financial Protection  visit the website of the Consumer Financial Protection Bureau at    
       Bureau                 http://www.consumer?nance.gov/learnmore. 
       FEES 
       Annual Fee             None. 
       Penalty Fees
            Late Payment      Up to $40. 
             Returned Payment  Up to $40. 
       How We Will Calculate Your Balance: We use the average daily balance method (including new transactions). See 
       �Periodic Interest Charge Calculation� section of this Agreement for more details. 
       Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are included in this 
       Agreement. See �Your Billing Rights� section for full details. 
       Prime Rate: Estimated variable APRs are based on the 3.25% Prime Rate. 
          a. We add 22.74% to the Prime Rate to determine the Purchase APR (monthly periodic rate currently 2.17%). 
       The information about the costs of the credit card account described above is accurate as of April 1, 2021. This information may have changed. For the most current information   
       contact us at 1-800-564-5740. 
       Authorization: When you apply for a Kohl�s credit card     be revealed if you do not wish it to be considered as a  plan to any joint applicant. As required by law, you are   
       from Capital One, N.A. (�Capital One�,�we�, or �us�), you    basis for repaying this obligation.  hereby noti?ed that a negative credit report re?ecting 
       agree to the following:  8. You acknowledge that you have read and agree to    on your credit record may be submitted to a credit 
       1. You authorize us to obtain credit bureau reports in     be bound by the important rate and fee disclosures  reporting agency if you fail to ful?ll the terms of your 
       connection with your request for an account. If an account is     and the terms stated under this Authorization and the  credit obligations.   
       opened, we may obtain credit bureau reports in connection     Cardmember Agreement section of the disclosures  Notice to Married Wisconsin Residents: No provision 
                               attached to this form. You agree that we may verify your   
       with extensions of credit or the review or collection of your    of any marital property agreement, unilateral statement 
                               information, check your credit history and secure follow-
       account. If you ask, we will tell you the name and address    or court decree adversely affects our rights, unless you 
                               up credit reports on you. 
       of each credit bureau from which we obtained a report    give us a copy of such agreement, statement or court 
       about you.              Ohio Residents: The Ohio laws against discrimination    order before we grant you credit, or we have actual 
                               require that all creditors make credit equally available 
       2. You are providing information in this application to     knowledge of the adverse obligation. All obligations   
                               to all customers, and that credit reporting agencies 
       Capital One and to Kohl�s. Capital One may provide    on this account will be incurred in the interest of your 
                               maintain separate histories on each individual upon 
       information about you (even if your application is declined)    marriage or family. You understand that we may be   
                               request. The Ohio Civil Rights Commission administers   
       to Kohl�s so that they can create and update their records,    compliance with the law.  required to give notice of this account to your spouse.   
       and provide you with services and special offers.  Married Wisconsin residents must furnish their 
                               New York and Vermont Residents: Capital One may 
                                                        (the applicant�s) name and social security number 
       3. By using the account or any card, or authorizing     obtain at any time your credit reports, for any legitimate 
                                                        as well as the name and address of their spouse to 
       their use, you agree to the terms of the Cardmember  purpose associated with the account or the application 
       Agreement. If you open your account in a Kohl�s store    or request for an account, including but not limited to  Kohl�s, PO Box 3120, Milwaukee, WI 53201. 
       you acknowledge receipt of this disclosure and a copy of  reviewing, modifying, renewing and collecting on your  Omission of any information requested on the application 
       the Cardmember Agreement before your ?rst purchase.  account. On your request, you will be informed if such a  may be reason for denial of an account. 
       4. As described in the Cardmember Agreement, we    report was ordered. If so, you will be given the name and  IMPORTANT INFORMATION ABOUT PROCEDURES   
       reserve the right to change the terms of your account  address of the consumer reporting agency furnishing  FOR OPENING A NEW ACCOUNT 
       (including the APRs) at any time, for any reason.  the report. New York residents may contact the New 
                                                        To help the government ?ght the funding of terrorism 
                               York State Department of Financial Services to obtain a 
       5. We will review your credit history to determine if you    and money laundering activities, federal law requires 
                               comparative listing of credit card rates, fees and grace   
       qualify for an account and, if so, your credit line. Based  all ?nancial institutions to obtain, verify, and record 
                               periods.   
       on this review, you may not receive a card.      information that identi?es each person who opens an 
                               New York State Department of Financial Services -  account. 
       6. You must be at least 18 years old to qualify (19 in AL    1-877-226-5697 or http://www.dfs.ny.gov/consumer/ 
       and NE).                                         What this means for you: When you open an account,    
                               creditdebt.htm 
                                                        we will ask for your name, address, date of birth, and 
       7. You acknowledge that you must provide additional    California Residents: Applicants: 1) may, after credit  other information that will allow us to identify you.   
       information electronically, including income. Alimony,    
                               approval, use the credit card account up to its credit  We may also ask to see your driver�s license or other 
       child support or separate maintenance income need not 
                               limit; 2) may be liable for amounts extended under the  identifying documents. 
  ICOOFR 0421.indd   2                                                        2/19/21   1:50 PM
   KOHL�S CARDMEMBER AGREEMENT         Your minimum payment will be the larger of: i) $29 (or total amount you owe if less    your address after moving in order to continue receiving printed Special Promotions   
                                       than $29); or ii) the sum of 1% of the New Balance (which does not include balances on    offers. If you need to update your address or any of your contact information or would   
   This agreement (�Agreement�) governs your Kohl�s credit card account (�Account�)   
                                       any Special Repayment Term Reduced APR Promotional Credit Plan), plus the periodic    like to opt-out of receiving printed Special Promotions offers, please call the customer    
   with us. Please keep this Agreement for your records. You agree with us that the    
                                       interest charges, plus any amount required under any Special Repayment Term    service telephone number on your card or statement. 
   following terms apply to your Account. 
                                       Reduced APR Promotional Credit Plan, plus any penalty fees billed on the Statement    20. Communications: You agree that we may communicate with you by mail,    
   Capital One, N.A. and Kohl�s may exchange information about you and your     for which your minimum payment is calculated. We will also add any amount past due     telephone, email, fax, prerecorded message, automated voice, text message, or other   
   Account(s) so that you can receive the bene?ts of the Kohl�s Card program and    to your minimum payment. In addition to the minimum payment, you may pay all or    means allowed by law regarding your Account. You authorize us, or anyone acting on    
   so that Kohl�s can inform you of additional information, offers and opportunities.    part of the total balance on your Account. But, you must still pay at least the minimum    our behalf, to call or send a text message to any number you provide or to any number   
   1. De?nitions and Card Usage: In this Agreement, the words �you�, �your�, and     payment amount each month, even if you paid more than the minimum payment due    where we reasonably believe we can contact you. These include calls to mobile,    
   �cardmember� refer to each person who applies for the Account and each person    on the previous Statement.    cellular, or similar devices, and calls using automatic telephone dialing systems and/ 
   who agrees to be liable on the Account. The words �we,� �us,� and �our� refer to      How We Apply Your Payments. In each billing cycle, we generally apply payments up    or prerecorded messages. We may also send an email to any address where we    
   Capital One, N.A., the creditor and issuer of the Account and any other person to whom    to your minimum payment amount to satisfy the minimum payment due on each Credit    reasonably believe we can contact you. You agree that we may monitor or record any    
   this Agreement and/or the Account may be assigned. �Kohl�s� means Kohl�s, Inc., N56     Plan, ?rst to the highest APR Credit Plan balance and then to lower APR Credit Plan    conversation or other communication with you. 
   W17000 Ridgewood Dr., Menomonee Falls, Wisconsin 53051. Kohl�s is servicing your     balances. We will apply any part of your payment exceeding your minimum payment     You acknowledge that Kohl�s may use a third party service to validate your identity   
   Account on our behalf and is also referred to alone or together with others as an    ?rst to the balance with the highest APR, and then to balances with lower APRs.  using information from your mobile phone provider, including call forwarding (e.g.,   
   agent. The word �Card� means the card issued to you under this Agreement that    
                                       Payment Instructions. You agree to pay us amounts you owe in U.S. dollars. You      whether you enabled call forwarding, and the number to which calls are forwarded)   
   may be used to make purchases at Kohl�s. You agree that all purchases made using    
                                       must use a check, money order or electronic debit drawn on a U.S. bank or a foreign    and call porting (e.g., whether you are transferring the service of your phone number,    
   the Account shall be only for personal, family, or household purposes. �Credit Plan�    
                                       bank branch in the U.S. We will not accept cash payments through the mail. When we      from one service provider, or carrier, to another). You agree that your cell phone    
   means any plan we may establish and make available on your Account that is subject   
                                       receive or apply a payment, we might not restore your credit line by that amount for    provider may release that information. You agree to receive texts from Kohl�s to verify    
   to a unique annual percentage rate (�APR�) or other terms. The sum of your Credit    
                                       up to 15 days.                     your device. Message and data rates may apply. 
   Plan balances equals your total Account balance. �New Balance� means the amount     
   displayed as the New Balance on each billing Statement.    For mailed payments, your Statement and the envelope it comes in give you    21. Established Business Relationship: You further agree that you have an   
                                       instructions about how, when and where to make your payments. You must follow     established business relationship with us and with Kohl�s and that we both may   
   2. Amendments: We have the right to change the terms of this Agreement for   
                                       these instructions. Your payment will not be credited to your Account before we     contact you from time to time regarding your Account and products and services that   
   any reason, and in any respect, by adding, deleting or modifying any provision,   
                                       receive it at the address we specify for receipt of payments and in accordance with    we or Kohl�s believes may be of interest to you. You agree that all such contacts are    
   including APRs, fees, the minimum payment and other terms. We can add a new   
                                       the payment instructions.          not unsolicited and may be monitored to assure quality service. 
   provision without regard to whether the provision deals with a matter already   
   addressed by this Agreement.        Payments made in store by close of business will be credited as of date payment was    22. GOVERNING LAW: THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND   
                                       received.                          YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH   
   In certain circumstances, we are required by law to notify you of changes to the   
                                                                          FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF VIRGINIA,   
   terms of this Agreement, and in other circumstances we may not be required to    If you make a payment marked as paid in full or indicate that it is to pay all amounts   
                                                                          WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF VIRGINIA, WHERE     
   do so. When required by law to advise you that you have a legal right to reject    you owe us, you must send that payment to the special address on the back of your   
                                                                          YOUR ACCOUNT AND WE ARE LOCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR   
   any changes we make, we will provide an explanation about how to do that.    Statement. That address is called the �Conditional Payments� address. We may accept      
                                                                          USE THE ACCOUNT. 
                                       a conditional payment and not agree that it pays all amounts you owe on your Account.   
   In some circumstances, APRs or other aspects of your Account may change   
                                       Also, we may return a conditional payment to you and you will still owe us the amount    23. Assignment: We may assign your Account, any amounts you owe us, or any of our   
   even though the terms of the Account do not change, for example when the   
                                       of the payment or any other amounts owed on your Account.  rights and obligations under this Agreement to a third party. The person to whom we    
   Prime Rate changes. 
                                                                          make the assignment will be entitled to any of our rights that we assign to that person.   
                                       You authorize us to collect any payment check either electronically or by draft. We    
   3. Account Information: We request certain information about you to manage your     You may not assign this Account. 
                                       can collect your payment checks electronically by sending the check number, check   
   Account.This includes: 
                                       amount, account and routing numbers to your bank. Or we can collect these checks      24. Enforcing this Agreement: We can delay enforcing or not enforce any of our   
   (1) your legal name;                by sending a draft drawn on your bank account. Funds may be taken from your bank    rights under this Agreement without losing our right to enforce them in the future. If   
   (2) a valid mailing address and residential address (if different);    account on the same day we receive your payment. We will not keep your original     any of the terms of this Agreement are found to be unenforceable, all other terms will   
   (3) your date of birth;             check, just a copy of it.          remain in full force. 
   (4) your Social Security number or other government identi?cation number;   
                                       You may use our optional services to make payments electronically through our    25. Military Lending Act (MLA) 
   (5) your telephone and cell phone number(s);   
                                       website, our automated telephone service or our customer service advisors. You do    
   (6) your income information; and                                       Federal law provides important protections to members of the Armed Forces and their   
                                       not have to use these other payment services, and we may charge you a fee for   
   (7) your email address.                                                dependents relating to extensions of consumer credit. In general, the cost of consumer     
                                       expedited payments made with a customer service advisor. If we do, we will tell you    credit to a member of the Armed Forces and his or her dependent may not exceed an   
   If you change your contact information such as any mailing address, telephone    the amount of the fee at the time you request the service. We are not responsible if     annual percentage rate of 36 percent. This rate must include, as applicable to the credit    
   number or email address, you must notify us immediately in writing at the address     a payment made using our payment services is rejected or not paid. Even if it is, we    transaction or account, the costs associated with credit insurance premiums; fees   
   shown on your Statement.            may still keep the fee.            for ancillary products sold in connection with the credit transaction; any application   
   We may obtain telephone and cell phone numbers, mailing address and email address    10. Legal Notices: For important information regarding your right to dispute billing    fee charged (other than certain application fees for speci?ed credit transactions or   
   information from you, third parties, caller ID and other sources. We may accept mailing     errors under federal law, see the section marked �Your Billing Rights� that accompanies      accounts); and any participation fee charged (other than certain participation fees for   
   address corrections from the United States Postal Service, third parties and other sources.  your copy of this Agreement. All notices relating to legal actions, including bankruptcy     a credit card account). 
   4. Promise to Pay: In return for extending credit to you on this Account from time to    notices, must be sent to us, through our agent, at Kohl�s, ATTN: Credit Administrator,     To hear this same disclosure and a general description of your payment obligations for   
   time, you agree to pay us for all goods and services you charge to this Account, plus any    P.O. Box 3043, Milwaukee, WI, 53201-3043. Legal notices sent to any other addresses     this credit card account, please call us toll-free at: 1-888-832-0059. 
   interest, fees and other charges set forth below, according to the terms of this Agreement.    will not satisfy the legal requirement that you provide us with notice. 
                                                                          During any period in which the Military Lending Act (�the Act�) applies to you, no   
   If more than one person has applied for or is liable on this Account, then (a) each of you    11. No Waiver By Us: We reserve the right to delay or refrain from enforcing any of our    provision of your Cardholder Agreement that is inconsistent with the Act shall apply   
   will be responsible for paying all charges incurred by either of you or anyone either of you    rights under this Agreement without losing them. For example, we can extend the time    and your Cardholder Agreement shall be interpreted to comply with the Act.   
   permit to use this Account; (b) we can provide Statements and communications to any of    for making certain payments without extending others or we can accept late or partial   
   you; and (c) notice to one of you will be considered notice to all of you.  payments without waiving our right to have future payments made when they are due.  Your Cardholder Agreement shall be interpreted to comply with the Military Lending   
                                                                          Act, including the Military Lending Act�s restrictions on permissible loan terms and   
   5. Authorized Users: If you ask us to issue a Card to any other person, they are    12. Returned Payment Fee: We may charge you this fee each time any payment     limitations on interest and fees for customers covered by the Military Lending Act.   
   an �Authorized User.� We may require certain information about them. We may limit      you make to us is not paid by your ?nancial institution for any reason, even if that    Any excess interest or fees charged or excess amounts collected shall be credited   
   their ability to use your Card. They may have access to certain information about     institution later pays it. The returned payment fee is up to $40.    or refunded. No provision of your Cardholder Agreement that is inconsistent with the   
   your Account. You will be responsible for paying all charges on your Account made    
                                       13. Late Payment Fee: We may charge a late payment fee if we do not receive at least    Military Lending Act shall apply. 
   by an Authorized User, You agree to notify each Authorized User,at the time he or    
                                       the required minimum payment for any billing cycle by the date and time it is due.   
   she becomes an Authorized User, that we may receive, record, exchange and use    26. FOR INFORMATION: For information about your Account, please call the customer   
                                       Your late payment fee will be zero if your balance is $15 or less, $15 if your balance   
   information about him or her in the same manner we do with information about you    service telephone number on the back of your card or monthly statement, or write us   
                                       is greater than $15 but less than $50.01, and $29 if your balance is greater than $50.   
   as described in this agreement.                                        at Kohl�s, Attn: Credit Administrator, P.O. Box 3120, Milwaukee, WI.     
                                       The late payment fee will not exceed the amount of your minimum payment due. If   
   If you want to remove an Authorized User from your Account, you must contact us at    you pay late and then pay late again in any of the next six consecutive billing cycles    YOUR BILLING RIGHTS: Keep this Document for Future Use 
   the Customer Service telephone number on your Statement or on the back of your    the late payment fee will be up to $40.00 until you have paid your minimum payment    This notice tells you about your rights and our responsibilities under the Fair Credit   
   Card and request their removal. They will be able to use your Account until you have     when due for six consecutive billing cycles.  Billing Act. 
   noti?ed us that you are removing them from your Account. During this time, you will   
                                       14. Default/Collection Costs. You will be in default if you fail to pay any minimum    
   still be responsible for all amounts they charge to your Account. You will be responsible     WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT 
                                       payment by the time and date it is due, if you breach any other promise or obligation   
   even if these amounts do not appear on your Account until later. Authorized Users     If you think there is an error on your statement, write to us on a separate sheet at the   
                                       under this Agreement, if you become incapacitated or die, or if you ?le for bankruptcy.   
   may remove themselves from your Account upon request. We reserve the right to     �Send Inquiries To� address shown on your billing statement. 
                                       Subject to applicable law, we may also consider you to be in default under this   
   remove them from your Account. To remove them from your Account, we may close    
                                       Agreement at any time if any statement made by you to us in connection with this    In your letter, give us the following information:  
   your existing Account and issue a new Card with a new Account number. 
                                       Account or any other credit program with us was false or misleading; if we receive     � Account information: Your name and account number.   
   6. When Effective: Your signature, including any electronic signature, on the    information indicating that you are bankrupt, intend to ?le bankruptcy, or are unable to   
   application for this Account or on any sales receipt, or your use of this Account, is your       � Dollar amount: The dollar amount of the suspected error.    
                                       pay your debts as they become due; or we receive information leading us to conclude   
   consent to the terms of this Agreement with us and your acknowledgement of delivery    that you are no longer creditworthy. In evaluating your creditworthiness, you agree     � Description of problem: If you think there is an error on your bill, describe what you     
   of a copy of this Agreement to you. The information you provide or have previously     that we may rely on information contained in consumer reports, and in our discretion    believe is wrong and why you believe it is a mistake. 
   provided on the application that identi?es you constitutes a part of this Agreement    we may consider the amount of debt you are carrying compared to your resources    You must contact us:  
   and is incorporated in it by reference. For new Account applicants, this Agreement will    or any other of your credit characteristics, regardless of your performance on this   
   not be effective until we approve your application, and then, after that only if you or    Account. In the event of default, subject to any right you may have under applicable     � Within 60 days after the error appeared on your statement.    
   someone authorized by you charges a purchase to this Account.    law, we may demand that you pay the entire unpaid balance due. If the Account is          � At least 3 business days before an automated payment is scheduled, if you want 
   7. Billing Cycle, Paying Interest, Variable Rates, Annual Percentage Rates        referred to an attorney, you agree to pay our reasonable attorney�s fees, but only to    to stop payment on the amount you think is wrong.   
   (�APR�), Minimum Interest Charge, Promotional Credit Plans:  the extent and in the amount permitted by applicable law, and court costs will also be   
                                                                                 You must notify us of any potential errors in writing. You may call us, but if you do 
                                       recovered where permitted by applicable law. 
   Billing Cycle/Statements. In order to manage your Account, we divide time into     we are not required to investigate any potential errors and you may have to pay the   
   periods called billing cycles. Each billing cycle is approximately one month in length.    15. Your Credit Limit and Canceling or Limiting Your Credit: We will assign a credit    amount in question. 
   For each calendar month your Account will have a billing cycle ending in that month.    limit to your Account. Your credit limit appears on your Statement. You are responsible     
                                                                          WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER 
   We will provide a billing statement (�Statement�) each month one is required by    for keeping track of your Account balance including any fees and interest charges   
   applicable law. Your Account will have a billing cycle ending in each calendar month     and making sure it remains below your credit limit. We may but are not required to     When we receive your letter, we must do two things: 
   whether or not there is a Statement for that billing cycle.  authorize charges that go over your credit limit. You must pay any amount over your            1. Within 30 days of receiving your letter, we must tell you that we received your 
                                       credit limit and you must pay us immediately if we ask you to do so. This Agreement    
   Paying Interest. We begin assessing periodic interest charges on a transaction, fee,     letter. We will also tell you if we have already corrected the error.   
                                       applies to any balance over your credit limit. We may change or cancel your credit limit    
   or interest charge from the date it is added to your daily balance as described in this   
                                       without telling you ahead of time. If we do, it will not excuse you from your obligations           2. Within 90 days of receiving your letter, we must either correct the error or explain 
   Agreement until your Account is paid in full. You can avoid periodic interest charges    
                                       to pay us.                           to you why we believe the bill is correct. 
   on new purchases, provided you have paid your statement�s entire New Balance   
                                       You may close your Account at any time. We may require you to provide a closure     While we investigate whether or not there has been an error:   
   (excluding balances on any Special Repayment Term Reduced APR Credit Plan) in full   
   by the due date each month (see Promotional Credit Plans). Your due date is at least     request in writing. Except as required by applicable law, we may close your Account            � We cannot try to collect the amount in question, or report you as delinquent on 
   25 days after the close of each billing cycle.    or suspend your credit privileges or any feature on your Account at any time for    that amount.   
                                       any reason, including Account inactivity, without notice. If we close your Account or   
   Variable Rate. The APR for Purchases may vary with changes to the Prime Rate. We            � The charge in question may remain on your statement, and we may continue to 
                                       suspend your credit privileges or any feature, we will not be liable to you for any   
   calculate a variable APR by adding a margin to the Prime Rate published in The Wall    charge you interest on that amount.   
                                       consequences that result. If you or we close your Account, you and any authorized   
   Street Journal on the last business day of March, June, September and December. The    
                                       users must stop using your Account immediately and destroy all cards or return them          � While you do not have to pay the amount in question, you are responsible for the 
   APR calculated in this way will be effective as of the ?rst day of the billing cycle that   
                                       to us upon request. You will continue to be responsible for charges to your Account     remainder of your balance.  
   begins in the following month. 
                                       according to the terms of this Agreement.   � We can apply any unpaid amount against your credit limit. 
   APR for Purchases. The Prime Rate plus 22.74%, currently 25.99% (monthly periodic    
                                       16. Credit Cards, Lost/Stolen Credit Cards and Liability for Unauthorized Use: If   
   rate 2.17%). The APR and monthly periodic rate stated are estimates based on the     After we ?nish our investigation, one of two things will happen:  
                                       requested, you agree to return to us any card issued to you. If you lose or someone   
   3.25% Prime Rate.                                                        � If we made a mistake: You will not have to pay the amount in question or any     
                                       steals your card or any other means to access your Account, or if you think someone   
   Promotional Credit Plans. From time to time, we may offer one or more Promotional      interest or other fees related to that amount.  
                                       has used your Account without your permission, you must tell us immediately. Call us   
   Credit Plans prior to or at the time of your purchase. Only certain purchases may be    at 1-800-564-5740 or write to us at: Kohl�s, ATTN: Credit Administrator, P.O. Box 3120,      � If we do not believe there was a mistake: You will have to pay the amount in     
   eligible for Promotional Credit Plans. These plans may have special repayment terms     Milwaukee, WI 53201-3120. Do not use your Account after you notify us. We may end      question, along with applicable interest and fees. We will send you a statement    
   and are conditioned on your timely payment of at least the required payment amount    your credit privileges and close your Account if we consider it appropriate. You agree     of the amount you owe and the date payment is due. We may then report you as    
   each billing cycle: a.) Reduced Rate Credit Plan - With this plan, you will receive a      to provide us information to help us ?nd out what happened. You will not be liable for     delinquent if you do not pay the amount we think you owe. 
   reduced APR on your purchase for a speci?ed period; b.) Special Repayment Term    any unauthorized use that occurs after you notify us. You may, however, be liable for     If you receive our explanation but still believe your bill is wrong, you must write to us   
   Reduced APR Credit Plan - with this plan, a special repayment term will be applied to    unauthorized use that occurs before your notice to us. In any case, your liability will    within 10 days telling us that you still refuse to pay. If you do so, we cannot report you     
   the reduced APR Promotional Credit Plan purchase for the speci?ed period.  not exceed $50.  as delinquent without also reporting that you are questioning your bill. We must tell    
   If you make more than one purchase on your card, the balances for the Promotional     17. Credit Information: We may obtain and use credit and income information about    you the name of anyone to whom we reported you as delinquent, and we must let    
   Credit Plan purchases may be treated differently than other balances. We will advise     you from consumer (credit) reporting agencies and other sources. We may report     those organizations know when the matter has been settled between us. 
   you if your participation in certain program features limits your eligibility for any    information about you and your Account to credit reporting agencies. If you request    If we do not follow all of the rules above, you do not have to pay the ?rst $50 of the   
   Promotional Credit Plan.            additional cards on your Account for others, we may report Account information    amount you question even if your bill is correct. 
   Minimum Interest Charge. We may charge no less than the minimum interest charge     in your name as well as in the names of those other people. If you think we have   
                                                                          YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES 
   of $1.00 if any periodic interest is due for a billing cycle.    reported information to a credit reporting agency that is not correct, you may write to   
                                       us at: Kohl�s, ATTN: Credit Administrator, P.O. Box 3115, Milwaukee, WI 53201-3115.      If you are dissatis?ed with the goods or services that you have purchased with your   
   8. Periodic Interest Charge Calculation � Average Daily Balance (Including New     Please include your name, address, Account number, telephone number and a brief     credit card, and you have tried in good faith to correct the problem with the merchant,   
   Purchases): We ?gure the periodic interest charges on your Account by applying    description of the problem and a copy of the credit reporting agency report if you have    you may have the right not to pay the remaining amount due on the purchase. 
   the applicable monthly periodic rates to the �average daily balance� of your Account    it. We will investigate the matter. If our investigation shows that you are right, we will    
   (including current transactions). To get the �average daily balance� for each balance     To use this right, all of the following must be true:   
                                       contact each credit reporting agency to which we reported the information and will   
   type (balances on Promotional Credit Plans and balances for other amounts), we    request they correct the report. If we disagree with you after our investigation, we will           1. The purchase must have been made in your home state or within 100 miles 
   take the beginning balance of each applicable balance type each day, add any new    tell you in writing or by telephone.    of your current mailing address, and the purchase price must have been more   
   purchases, unpaid interest charges, fees, other charges and debit adjustments, then    than $50. (Note: Neither of these are necessary if your purchase was based on   
   subtract any payments, credits or credit adjustments. This gives us the daily balances.      18. Credit Balances: You may request a refund of any credit balance at any time.   
                                                                            an advertisement we mailed to you, or if we own the company that sold you the   
   Then, we add up all the daily balances for each balance type and divide the total by     Otherwise, we will apply it to any new charges on your Account or provide the refund   
                                                                            goods or services.)   
   the number of days in the billing cycle. This gives us the �average daily balance� for     to you as required by law. 
                                                                                 2. You must have used your credit card for the purchase. Purchases made with cash 
   each balance type.                  19. Special Promotions: Kohl�s may, in its discretion from time-to-time, provide   
                                                                            advances from an ATM or with a check that accesses your credit card account   
   On the ?rst day of each billing cycle we add to the daily balance the unpaid periodic    you with special promotions in connection with your use of Kohl�s Card (�Special   
                                                                            do not qualify.  
   interest charges from the prior billing cycle (in this way we compound interest on    Promotions�). Special Promotions will be subject to the terms of this Agreement,   
                                                                            3. You must not yet have fully paid for the purchase.    
   a monthly basis). Purchases and fees are added to your daily balance as of the    as well as any other differing or additional terms described in the offer. Special    
   transaction date or a later date of our choice.  Promotions may be marketed in-store, online, and/or through any individual channel    If all of the criteria above are met and you are still dissatis?ed with the purchase,   
                                       or combination of channels described in Section 20 of this Agreement. Kohl�s may,    contact us in writing on a separate sheet at the �Send Inquiries To� address shown on    
   9. Payments:                        in its discretion, suspend your offers under the following circumstances, without      your billing statement. 
   Minimum Payment. You must make your minimum payment in a way that we receive     limitation: (i) your Account has limited activity or becomes inactive for a period of time;   
                                                                          While we investigate, the same rules apply to the disputed amount as discussed   
   it by the time and date it is due. The minimum payment for your Account includes the     (ii) your Account becomes past due and you do not make it current for a period of time.   
                                                                          above. After we ?nish our investigation, we will tell you our decision. At that point, if     
   minimum payment due on each Credit Plan. You may make payments greater than     You acknowledge that our Special Promotions offers cannot be sent to addresses   
                                                                          we think you owe an amount and you do not pay, we may report you as delinquent. 
   your required minimum payment. This will reduce the interest charges that are added     outside of the United States or Canada or to military addresses. Special Promotions   
   to your Account.                    offers will not be forwarded by the postal service, so you must contact us to update    Copyright �2021 Capital One. All rights reserved.   
                                                                                                        CMA-04/21 
   1 
  Cardmember Agreement 0421.indd   1                                                                   2/23/21   1:14 PM
                                                                                                    Rev. 11/2020 
    FACTS  WHAT DOES CAPITAL ONE DO WITH YOUR PERSONAL INFORMATION? 
          Financial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing. Federal law 
    Why? 
          also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do. 
          The types of personal information we collect and share depend on the product or service you have with us.    
          This information can include:
    What?     � Social Security number and income
              � Account balances and payment history
                 � Account transactions and credit card or other debt 
          All ?nancial companies need to share customers� personal information to run their everyday business. In the section below, we list the reasons ?nancial 
          companies can share their customers� personal information; the reasons Capital One chooses to share; and whether you can limit   
    How? 
          this sharing. 
                       Reasons we can share your  
                                                                 Does Capital One share?  Can you limit this sharing? 
                          personal information 
    For our everyday business purposes � such as to process your transactions,   
    maintain your account(s), respond to court orders and legal investigations, or report    Yes  No 
    to credit bureaus 
    For our marketing purposes � to offer our products and services to you 
                                                                        Yes                    No 
    For joint marketing with other ?nancial companies 
                                                                        Yes                    No 
    For our af?liates� everyday business purposes � information about your transactions   
                                                                        Yes                    No 
    and experiences 
    For our af?liates� everyday business purposes � information about your creditworthiness  Yes  Yes 
    For nonaf?liates to market to you 
                                                                        Yes                    Yes 
              Call 855-270-6626 for customer service. 
    To limit  Please note: 
    our sharing  If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we 
              continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. 
    Questions?  Call 855-270-6626 or go to http://www.kohlscorporation.com/customer_service/mykc/mykc.html 
    Page 2 
    Who we are 
    Who is providing this notice?  This notice is provided by Capital One with respect to your Kohl�s credit card. 
    What we do 
    How does Capital One protect    To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. 
    my personal information?  These measures include computer safeguards and secured ?les and buildings. 
    How does Capital One collect    We collect your personal information, for example, when you 
    my personal information? 
                         � Open an account or give us your contact information 
                         � Use your credit or debit card or pay your bills 
                         � Give us your income information 
                         We also collect your personal information from others, such as credit bureaus,   
                         af?liates, or other companies. 
    Why can�t I limit all sharing?  Federal law gives you the right to limit only 
                         � Sharing for af?liates� everyday business purposes � information about your creditworthiness 
                         � Af?liates from using your information to market to you 
                         � Sharing for nonaf?liates to market to you 
                         State laws and individual companies may give you additional rights to limit sharing.   
                         See below for more on your rights under state law. 
    What happens when I limit  Your choices will apply to everyone on your account. 
    sharing for an account I hold 
    jointly with someone else? 
    De?nitions 
    Af?liates            Companies related by common ownership or control. They can be ?nancial or non?nancial companies. 
                         � Our af?liates include ?nancial companies with the Capital One, Chevy Chase, Paribus, Wikibuy and Greenpoint names, such as 
                         Capital One Bank(USA), National Association; and Capital One National Association 
    Nonaf?liates         Companies not related by common ownership or control. They can be ?nancial and non?nancial companies. 
                         � Nonaf?liates we share with can include insurance companies, service providers, retailers, data processors, and advertisers. 
    Joint marketing      A formal agreement between nonaf?liated ?nancial companies that together market ?nancial   
                         products or services to you. 
                         � Our joint marketing partners include companies such as insurance companies 
    Other important information 
    CA and VT Residents: We will not share your information with companies outside of Capital One, except for our everyday business purposes, for marketing our prod�
    ucts and services to you or with your consent. 
    VT Residents Only: We will not disclose credit information about you within or outside the Capital One family of companies except as required or permitted by law. 
    Telephone Communications � All telephone communications with us or our authorized agents may be monitored or recorded. 
    The above notice applies only to your Kohl�s Card Accounts with Capital One and does not apply to any other accounts you have with the Capital One family of companies. 
   � 2020 Capital One. Capital One is a federally registered service mark. 
  Cardmember Agreement 0421.indd   2                                                                   2/23/21   1:14 PM