Q4_2020_CFPB_Kohls
       INTEREST RATES AND INTEREST CHARGES 
                                      a
       Annual Percentage Rate (APR)   24.99%   
       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 $38. 
             Returned Payment  Up to $38. 
       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 21.74% to the Prime Rate to determine the Purchase APR (monthly periodic rate currently 2.08%).
       The information about the costs of the credit card account described above is accurate as of April 1, 2020. 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. 
  186748 ICOOFR 0420.indd   2                                                 3/20/20   3:26 PM
   KOHL�S CARDMEMBER AGREEMENT        9. Payments:                        inactive for a period of time; (ii) your Account becomes past due and you do not 
                                                                          make it current for a period of time. Our print marketing offers cannot be sent to 
   This agreement (�Agreement�) governs your Kohl�s credit card account (�Account�)  Minimum Payment. You must make your minimum payment in a way that we   
                                                                          addresses outside of the United States or Canada or to military addresses. Our 
   with us. Please keep this Agreement for your records. You agree with us that the    receive it by the time and date it is due. The minimum payment for your Account   
                                                                          offers will not be forwarded by the postal service, so you must contact us to update   
   following terms apply to your Account.  includes the minimum payment due on each Credit Plan. You may make payments   
                                                                          your address after moving in order to continue receiving offers. If you need to 
                                      greater than your required minimum payment. This will reduce the interest charges   
   Capital One, N.A. and Kohl�s may exchange information about you and your  update your address or any of your contact information or would like to opt-out 
                                      that are added to your Account.   
   Account(s) so that you can receive the bene?ts of the Kohl�s Charge program  of receiving our print marketing offers, please call the customer service telephone 
   and so that Kohl�s can inform you of additional information, offers and  Your minimum payment will be the larger of: i) $27 (or total amount you owe if less  number on your card or statement. 
   opportunities.                     than $27); or ii) the sum of 1% of the New Balance (which does not include balances 
                                                                          20. Communications: You agree that we may communicate with you by mail,    
                                      on any Special Repayment Term Reduced APR Promotional Credit Plan), plus the 
   1. De?nitions and Card Usage: In this Agreement, the words �you�, �your�, and    telephone, email, fax, prerecorded message, automated voice, text message, or 
                                      periodic interest charges, plus any amount required under any Special Repayment 
   �cardmember� refer to each person who applies for the Account and each person  other means allowed by law regarding your Account. You authorize us, or anyone   
                                      Term Reduced APR Promotional Credit Plan, plus any penalty fees billed on the 
   who agrees to be liable on the Account. The words �we,� �us,� and �our� refer to     acting on our behalf, to call or send a text message to any number you provide or to   
                                      Statement for which your minimum payment is calculated. We will also add any   
   Capital One, N.A., the creditor and issuer of the Account and any other person to  any number where we reasonably believe we can contact you. These include calls   
                                      amount past due to your minimum payment. In addition to the minimum payment,   
   whom this Agreement and/or the Account may be assigned. �Kohl�s� means Kohl�s     to mobile, cellular, or similar devices, and calls using automatic telephone dialing 
                                      you may pay all or part of the total balance on your Account. But, you must still pay 
   Department Stores, Inc., N56 W17000 Ridgewood Dr., Menomonee Falls, Wisconsin    systems and/or prerecorded messages. We may also send an email to any address   
                                      at least the minimum payment amount each month, even if you paid more than the 
   53051. Kohl�s is servicing your Account on our behalf and is also referred to alone  where we reasonably believe we can contact you. You agree that we may monitor or   
                                      minimum payment due on the previous Statement.   
   or together with others as an agent. The word �Card� means the card issued to you     record any conversation or other communication with you. 
   under this Agreement that may be used to make purchases at Kohl�s. You agree    How We Apply Your Payments. In each billing cycle, we generally apply payments   
                                                                          21. Established Business Relationship: You further agree that you have an 
   that all purchases made using the Account shall be only for personal, family, or  up to your minimum payment amount to satisfy the minimum payment due on   
                                                                          established business relationship with us and with Kohl�s and that we both may 
   household purposes. �Credit Plan� means any plan we may establish and make    each Credit Plan, ?rst to the highest APR Credit Plan balance and then to lower    
                                                                          contact you from time to time regarding your Account and products and services 
   available on your Account that is subject to a unique annual percentage rate (�APR�)  APR Credit Plan balances. We will apply any part of your payment exceeding your    
                                                                          that we or Kohl�s believes may be of interest to you. You agree that all such contacts   
   or other terms. The sum of your Credit Plan balances equals your total Account    minimum payment ?rst to the balance with the highest APR, and then to balances   
                                                                          are not unsolicited and may be monitored to assure quality service. 
   balance. �New Balance� means the amount displayed as the New Balance on each     with lower APRs. 
   billing Statement.                                                     22. GOVERNING LAW: THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND 
                                      Payment Instructions. You agree to pay us amounts you owe in U.S. dollars. You    
                                                                          YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH 
   2. Amendments: We have the right to change the terms of this Agreement  must use a check, money order or electronic debit drawn on a U.S. bank or a foreign 
                                                                          FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF VIRGINIA,   
   for any reason, and in any respect, by adding, deleting or modifying any  bank branch in the U.S. We will not accept cash payments through the mail. When    
                                                                          WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF VIRGINIA,    
   provision, including APRs, fees, the minimum payment and other terms. We  we receive or apply a payment, we might not restore your credit line by that amount 
                                                                          WHERE YOUR ACCOUNT AND WE ARE LOCATED, WILL APPLY NO MATTER WHERE   
   can add a new provision without regard to whether the provision deals with a  for up to 15 days. 
                                                                          YOU LIVE OR USE THE ACCOUNT. 
   matter already addressed by this Agreement.  For mailed payments, your Statement and the envelope it comes in give you 
                                                                          23. Assignment: We may assign your Account, any amounts you owe us, or any of     
   In certain circumstances, we are required by law to notify you of changes    instructions about how, when and where to make your payments. You must follow   
                                                                          our rights and obligations under this Agreement to a third party. The person to whom   
   to the terms of this Agreement, and in other circumstances we may not be  these instructions. Your payment will not be credited to your Account before we   
                                                                          we make the assignment will be entitled to any of our rights that we assign to that 
   required to do so. When required by law to advise you that you have a legal  receive it at the address we specify for receipt of payments and in accordance with 
                                                                          person. You may not assign this Account.   
   right to reject any changes we make, we will provide an explanation about  the payment instructions.   
   how to do that.                                                        24. Enforcing this Agreement: We can delay enforcing or not enforce any of our 
                                      Payments made in store by close of business will be credited as of date payment 
                                                                          rights under this Agreement without losing our right to enforce them in the future.   
   In some circumstances, APRs or other aspects of your Account may change  was received. 
                                                                          If any of the terms of this Agreement are found to be unenforceable, all other terms 
   even though the terms of the Account do not change, for example when the  If you make a payment marked as paid in full or indicate that it is to pay all amounts  will remain in full force. 
   Prime Rate changes.                you owe us, you must send that payment to the special address on the back of   
                                                                          25. Military Lending Act (MLA) 
   3. Account Information: We request certain information about you to manage your  your Statement. That address is called the �Conditional Payments� address. We may     
   Account.This includes:             accept a conditional payment and not agree that it pays all amounts you owe on  Federal law provides important protections to members of the Armed Forces and 
                                      your Account. Also, we may return a conditional payment to you and you will still    their dependents relating to extensions of consumer credit. In general, the cost 
   (1) your legal name;   
                                      owe us the amount of the payment or any other amounts owed on your Account.  of consumer credit to a member of the Armed Forces and his or her dependent 
   (2) a valid mailing address and residential address (if different);   
                                                                          may not exceed an annual percentage rate of 36 percent. This rate must include,    
   (3) your date of birth;            You authorize us to collect any payment check either electronically or by draft. We   
                                                                          as applicable to the credit transaction or account, the costs associated with credit 
   (4) your Social Security number or other government identi?cation number;    can collect your payment checks electronically by sending the check number, check 
                                                                          insurance premiums; fees for ancillary products sold in connection with the credit 
   (5) your telephone and cell phone number(s);    amount, account and routing numbers to your bank. Or we can collect these checks 
                                                                          transaction; any application fee charged (other than certain application fees for 
   (6) your income information; and    by sending a draft drawn on your bank account. Funds may be taken from your bank 
                                                                          speci?ed credit transactions or accounts); and any participation fee charged (other 
   (7) your email address.            account on the same day we receive your payment. We will not keep your original   
                                                                          than certain participation fees for a credit card account). 
                                      check, just a copy of it. 
   If you change your contact information such as any mailing address, telephone 
                                                                          To hear this same disclosure and a general description of your payment obligations 
   number or email address, you must notify us immediately in writing at the address  You may use our optional services to make payments electronically through our 
                                                                          for this credit card account, please call us toll-free at: 1-888-832-0059. 
   shown on your Statement.           website, our automated telephone service or our customer service advisors. You   
                                      do not have to use these other payment services, and we may charge you a fee for  During any period in which the Military Lending Act (�the Act�) applies to you, no 
   We may obtain telephone and cell phone numbers, mailing address and email 
                                      expedited payments made with a customer service advisor. If we do, we will tell you  provision of your Cardholder Agreement that is inconsistent with the Act shall apply 
   address information from you, third parties, caller ID and other sources. We may   
                                      the amount of the fee at the time you request the service. We are not responsible    and your Cardholder Agreement shall be interpreted to comply with the Act.   
   accept mailing address corrections from the United States Postal Service, third 
                                      if a payment made using our payment services is rejected or not paid. Even if it is,   
   parties and other sources.                                             Your Cardholder Agreement shall be interpreted to comply with the Military Lending 
                                      we may still keep the fee.          Act, including the Military Lending Act�s restrictions on permissible loan terms and 
   4. Promise to Pay: In return for extending credit to you on this Account from time to 
                                      10. Legal Notices: For important information regarding your right to dispute billing    limitations on interest and fees for customers covered by the Military Lending Act.   
   time, you agree to pay us for all goods and services you charge to this Account, plus 
                                      errors under federal law, see the section marked �Your Billing Rights� that accompanies      Any excess interest or fees charged or excess amounts collected shall be credited 
   any interest, fees and other charges set forth below, according to the terms of this 
                                      your copy of this Agreement. All notices relating to legal actions, including bankruptcy     or refunded. No provision of your Cardholder Agreement that is inconsistent with the 
   Agreement. If more than one person has applied for or is liable on this Account, then   
                                      notices, must be sent to us, through our agent, at Kohl�s, ATTN: Credit Administrator,     Military Lending Act shall apply. 
   (a) each of you will be responsible for paying all charges incurred by either of you 
                                      P.O. Box 3043, Milwaukee, WI, 53201-3043. Legal notices sent to any other addresses    
   or anyone either of you permit to use this Account; (b) we can provide Statements  26. FOR INFORMATION: For information about your Account, please call the 
                                      will not satisfy the legal requirement that you provide us with notice. 
   and communications to any of you; and (c) notice to one of you will be considered  customer service telephone number on the back of your card or monthly statement,   
   notice to all of you.              11. No Waiver By Us: We reserve the right to delay or refrain from enforcing any of  or write us at Kohl�s, Attn: Credit Administrator, P.O. Box 3120, Milwaukee, WI.     
                                      our rights under this Agreement without losing them. For example, we can extend 
   5. Authorized Users: If you ask us to issue a Card to any other person, they are an  YOUR BILLING RIGHTS: Keep this Document for Future Use 
                                      the time for making certain payments without extending others or we can accept 
   �Authorized User.� We may require certain information about them. We may limit    
                                      late or partial payments without waiving our right to have future payments made  This notice tells you about your rights and our responsibilities under the Fair Credit 
   their ability to use your Card. They may have access to certain information about   
                                      when they are due.                  Billing Act. 
   your Account. You will be responsible for paying all charges on your Account made   
   by an Authorized User, You agree to notify each Authorized User,at the time he or    12. Returned Payment Fee: We may charge you this fee each time any payment  WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT 
   she becomes an Authorized User, that we may receive, record, exchange and use  you make to us is not paid by your ?nancial institution for any reason, even if that  If you think there is an error on your statement, write to us on a separate sheet at 
   information about him or her in the same manner we do with information about you  institution later pays it. The returned payment fee is up to $38.    the �Send Inquiries To� address shown on your billing statement. 
   as described in this agreement.    13. Late Payment Fee: We may charge a late payment fee if we do not receive    In your letter, give us the following information:  
   If you want to remove an Authorized User from your Account, you must contact us at     at least the required minimum payment for any billing cycle by the date and time 
                                                                            � Account information: Your name and account number.   
   the Customer Service telephone number on your Statement or on the back of your    it is due. Your late payment fee will be zero if your balance is $15 or less, $15 if   
   Card and request their removal. They will be able to use your Account until you have     your balance is greater than $15 but less than $50.01, and $27 if your balance     � Dollar amount: The dollar amount of the suspected error.    
   noti?ed us that you are removing them from your Account. During this time, you will    is greater than $50. The late payment fee will not exceed the amount of your     � Description of problem: If you think there is an error on your bill, describe what   
   still be responsible for all amounts they charge to your Account. You will be responsible     minimum payment due. If you pay late and then pay late again in any of the next six  you believe is wrong and why you believe it is a mistake. 
   even if these amounts do not appear on your Account until later. Authorized Users may     consecutive billing cycles the late payment fee will be up to $38.00 until you have 
                                                                          You must contact us:  
   remove themselves from your Account upon request. We reserve the right to remove     paid your minimum payment when due for six consecutive billing cycles. 
   them from your Account. To remove them from your Account, we may close your      � Within 60 days after the error appeared on your statement.   
                                      14. Default/Collection Costs. You will be in default if you fail to pay any minimum   
   existing Account and issue a new Card with a new Account number.  payment by the time and date it is due, if you breach any other promise or   � At least 3 business days before an automated payment is scheduled, if you want    
   6. When Effective: Your signature, including any electronic signature, on the  obligation under this Agreement, if you become incapacitated or die, or if you ?le  to stop payment on the amount you think is wrong.   
   application for this Account or on any sales receipt, or your use of this Account, is  for bankruptcy. Subject to applicable law, we may also consider you to be in default         You must notify us of any potential errors in writing. You may call us, but if you do 
   your consent to the terms of this Agreement with us and your acknowledgement  under this Agreement at any time if any statement made by you to us in connection  we are not required to investigate any potential errors and you may have to pay 
   of delivery of a copy of this Agreement to you. The information you provide or have    with this Account or any other credit program with us was false or misleading; if we  the amount in question. 
   previously provided on the application that identi?es you constitutes a part of this  receive information indicating that you are bankrupt, intend to ?le bankruptcy, or are 
   Agreement and is incorporated in it by reference. For new Account applicants, this  unable to pay your debts as they become due; or we receive information leading us  WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER 
   Agreement will not be effective until we approve your application, and then, after    to conclude that you are no longer creditworthy. In evaluating your creditworthiness,    When we receive your letter, we must do two things: 
   that only if you or someone authorized by you charges a purchase to this Account.    you agree that we may rely on information contained in consumer reports, and in 
                                                                                1. Within 30 days of receiving your letter, we must tell you that we received your 
                                      our discretion we may consider the amount of debt you are carrying compared 
   7. Billing Cycle, Paying Interest, Variable Rates, Annual Percentage Rates  letter. We will also tell you if we have already corrected the error.   
                                      to your resources or any other of your credit characteristics, regardless of your 
   (�APR�), Minimum Interest Charge, Promotional Credit Plans: 
                                      performance on this Account. In the event of default, subject to any right you may        2. Within 90 days of receiving your letter, we must either correct the error or 
   Billing Cycle/Statements. In order to manage your Account, we divide time into    have under applicable law, we may demand that you pay the entire unpaid balance  explain to you why we believe the bill is correct. 
   periods called billing cycles. Each billing cycle is approximately one month in length.    due. If the Account is referred to an attorney, you agree to pay our reasonable  While we investigate whether or not there has been an error:  
   For each calendar month your Account will have a billing cycle ending in that month.    attorney�s fees, but only to the extent and in the amount permitted by applicable 
   We will provide a billing statement (�Statement�) each month one is required by  law, and court costs will also be recovered where permitted by applicable law.   � We cannot try to collect the amount in question, or report you as delinquent on    
   applicable law. Your Account will have a billing cycle ending in each calendar month    that amount.  
                                      15. Your Credit Limit and Canceling or Limiting Your Credit: We will assign a 
   whether or not there is a Statement for that billing cycle. 
                                      credit limit to your Account. Your credit limit appears on your Statement. You are      � The charge in question may remain on your statement, and we may continue to    
   Paying Interest. We begin assessing periodic interest charges on a transaction, fee,     responsible for keeping track of your Account balance including any fees and  charge you interest on that amount.  
   or interest charge from the date it is added to your daily balance as described in this  interest charges and making sure it remains below your credit limit. We may but are     � While you do not have to pay the amount in question, you are responsible for the    
   Agreement until your Account is paid in full. You can avoid periodic interest charges    not required to authorize charges that go over your credit limit. You must pay any    remainder of your balance.  
   on new purchases, provided you have paid your statement�s entire New Balance  amount over your credit limit and you must pay us immediately if we ask you to do 
   (excluding balances on any Special Repayment Term Reduced APR Credit Plan) in   � We can apply any unpaid amount against your credit limit. 
                                      so. This Agreement applies to any balance over your credit limit. We may change or    
   full by the due date each month (see Promotional Credit Plans). Your due date is at    cancel your credit limit without telling you ahead of time. If we do, it will not excuse  After we ?nish our investigation, one of two things will happen:  
   least 25 days after the close of each billing cycle.    you from your obligations to pay us.   � If we made a mistake: You will not have to pay the amount in question or any    
   Variable Rate. The APR for Purchases may vary with changes to the Prime Rate. We     You may close your Account at any time. We may require you to provide a closure    interest or other fees related to that amount.  
   calculate a variable APR by adding a margin to the Prime Rate published in The Wall  request in writing. Except as required by applicable law, we may close your Account   � If we do not believe there was a mistake: You will have to pay the amount in    
   Street Journal on the last business day of March, June, September and December.    or suspend your credit privileges or any feature on your Account at any time for  question, along with applicable interest and fees. We will send you a statement    
   The APR calculated in this way will be effective as of the ?rst day of the billing cycle  any reason, including Account inactivity, without notice. If we close your Account  of the amount you owe and the date payment is due. We may then report you as   
   that begins in the following month.  or suspend your credit privileges or any feature, we will not be liable to you for any  delinquent if you do not pay the amount we think you owe. 
   APR for Purchases. The Prime Rate plus 21.74%, currently 24.99% (monthly    consequences that result. If you or we close your Account, you and any authorized    
                                                                          If you receive our explanation but still believe your bill is wrong, you must write to us 
   periodic rate 2.08%). The APR and monthly periodic rate stated are estimates based    users must stop using your Account immediately and destroy all cards or return 
                                                                          within 10 days telling us that you still refuse to pay. If you do so, we cannot report 
   on the 3.25% Prime Rate.           them to us upon request. You will continue to be responsible for charges to your   
                                                                          you as delinquent without also reporting that you are questioning your bill. We must   
                                      Account according to the terms of this Agreement. 
   Promotional Credit Plans. From time to time, we may offer one or more Promotional  tell you the name of anyone to whom we reported you as delinquent, and we must 
   Credit Plans prior to or at the time of your purchase. Only certain purchases may    16. Credit Cards, Lost/Stolen Credit Cards and Liability for Unauthorized Use: If  let those organizations know when the matter has been settled between us. 
   be eligible for Promotional Credit Plans. These plans may have special repayment    requested, you agree to return to us any card issued to you. If you lose or someone 
                                                                          If we do not follow all of the rules above, you do not have to pay the ?rst $50 of the 
   terms and are conditioned on your timely payment of at least the required payment  steals your card or any other means to access your Account, or if you think someone 
                                                                          amount you question even if your bill is correct. 
   amount each billing cycle: a.) Reduced Rate Credit Plan -   With this plan, you  has used your Account without your permission, you must tell us immediately. Call 
   will receive a reduced APR on your purchase for a speci?ed period; b.) Special  us at 1-800-564-5740 or write to us at: Kohl�s, ATTN: Credit Administrator, P.O. Box    YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES 
   Repayment Term Reduced APR Credit Plan - with this plan, a special repayment     3120, Milwaukee, WI 53201-3120. Do not use your Account after you notify us. We     If you are dissatis?ed with the goods or services that you have purchased with 
   term will be applied to the reduced APR Promotional Credit Plan purchase for the  may end your credit privileges and close your Account if we consider it appropriate.    your credit card, and you have tried in good faith to correct the problem with the 
   speci?ed period.                   You agree to provide us information to help us ?nd out what happened. You will not    merchant, you may have the right not to pay the remaining amount due on the   
                                      be liable for any unauthorized use that occurs after you notify us. You may, however,    
   If you make more than one purchase on your card, the balances for the Promotional  purchase. 
                                      be liable for unauthorized use that occurs before your notice to us. In any case, your 
   Credit Plan purchases may be treated differently than other balances. We will advise   
                                      liability will not exceed $50.      To use this right, all of the following must be true:   
   you if your participation in certain program features limits your eligibility for any 
                                      17. Credit Information: We may obtain and use credit and income information        1. The purchase must have been made in your home state or within 100 miles 
   Promotional Credit Plan. 
                                      about you from consumer (credit) reporting agencies and other sources. We may    of your current mailing address, and the purchase price must have been more 
   Minimum Interest Charge. We may charge no less than the minimum interest   
                                      report information about you and your Account to credit reporting agencies. If    than $50. (Note: Neither of these are necessary if your purchase was based on 
   charge of $1.00 if any periodic interest is due for a billing cycle.   
                                      you request additional cards on your Account for others, we may report Account  an advertisement we mailed to you, or if we own the company that sold you 
   8. Periodic Interest Charge Calculation � Average Daily Balance (Including  information in your name as well as in the names of those other people. If you think    the goods or services.) 
   New Purchases): We ?gure the periodic interest charges on your Account by  we have reported information to a credit reporting agency that is not correct, you        2. You must have used your credit card for the purchase. Purchases made with 
   applying the applicable monthly periodic rates to the �average daily balance� of  may write to us at: Kohl�s, ATTN: Credit Administrator, P.O. Box 3115, Milwaukee,         cash advances from an ATM or with a check that accesses your credit card 
   your Account (including current transactions). To get the �average daily balance�     WI 53201-3115. Please include your name, address, Account number, telephone    account do not qualify.  
   for each balance type (balances on Promotional Credit Plans and balances for other  number and a brief description of the problem and a copy of the credit reporting 
                                                                            3. You must not yet have fully paid for the purchase.    
   amounts), we take the beginning balance of each applicable balance type each day,    agency report if you have it. We will investigate the matter. If our investigation shows   
   add any new purchases, unpaid interest charges, fees, other charges and debit  that you are right, we will contact each credit reporting agency to which we reported  If all of the criteria above are met and you are still dissatis?ed with the purchase,   
   adjustments, then subtract any payments, credits or credit adjustments. This gives    the information and will request they correct the report. If we disagree with you after  contact us in writing on a separate sheet at the �Send Inquiries To� address shown 
   us the daily balances. Then, we add up all the daily balances for each balance type    our investigation, we will tell you in writing or by telephone.    on your billing statement. 
   and divide the total by the number of days in the billing cycle. This gives us the   
                                      18. Credit Balances: You may request a refund of any credit balance at any time.    While we investigate, the same rules apply to the disputed amount as discussed 
   �average daily balance� for each balance type.   
                                      Otherwise, we will apply it to any new charges on your Account or provide the  above. After we ?nish our investigation, we will tell you our decision. At that point, if    
   On the ?rst day of each billing cycle we add to the daily balance the unpaid periodic  refund to you as required by law.  we think you owe an amount and you do not pay, we may report you as delinquent. 
   interest charges from the prior billing cycle (in this way we compound interest on 
                                      19. Credit Marketing: If you are eligible to receive Kohl�s Charge print marketing     Copyright �2020 Capital One. All rights reserved.   
   a monthly basis). Purchases and fees are added to your daily balance as of the 
                                      offers, Kohl�s may, in its discretion, suspend your offers under the following 
   transaction date or a later date of our choice. 
                                      circumstances, without limitation: (i) your Account has limited activity or becomes 
                                                                                                        CMA-04/20 
   1 
  Cardmember Agreement 0420.indd   1                                                                    4/2/20   9:38 AM
                                                                                                    Rev. 04/2020 
                            �
    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 Charge 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 0420.indd   2                                                                    4/2/20   9:38 AM