INTEREST RATES AND INTEREST CHARGES
                                      a
       Annual Percentage Rate (APR)   26.24%   
       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 3.50% Prime Rate.
         a. We add 22.74% to the Prime Rate to determine the Purchase APR (monthly periodic rate currently 2.19%).
       The information about the costs of the credit card account described above is accurate as of April 1, 2022. 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 0522.indd   2 ICOOFR 0522.indd   2                                   3/28/22   9:51 AM 3/28/22   9:51 AM
   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 26.24% (monthly periodic 
                                       16. Credit Cards, Lost/Stolen Credit Cards and Liability for Unauthorized Use: If 
   rate 2.19%). 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 
   3.50% Prime Rate.                                                          �  I f 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,    � I f 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, 
   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         3. You must not yet have fully paid for the purchase.
   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 �2022 Capital One. All rights reserved.
                                                                                                        CMA-05/22
   1
  Cardmember Agreement 0522.indd   1 Cardmember Agreement 0522.indd   1                                3/30/22   12:52 PM 3/30/22   12:52 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 
          How? companies can share their customers� personal information; the reasons Capital One chooses to share; and whether you can limit  
              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 0522.indd   2                                3/30/22   12:52 PM