INTEREST RATES AND INTEREST CHARGES
    Annual Percentage Rate (APR)   a
                          21.9%  This APR will vary with the market based on the Prime Rate.
    for Purchases
                              b
    Penalty APR and When It Applies 24.9%  This APR will vary with the market based on the Prime Rate. This 
                         APR will be applicable to your Account if you:
                         � fail to make any Minimum Payment by the date and time due (late payment); or
                         � make a payment to us that is returned unpaid.
                         How Long Will the Penalty APR Apply?: If APRs are increased for a payment 
                         that is more than 60 days late, the Penalty APR will apply indefinitely.
    Paying Interest      Your due date will be a minimum of 25 days following the close of each 
                         billing cycle. We will not charge you periodic interest on any portion of 
                         new purchases, so long as your current statement shows that we received 
                         payment of the entire balance for your previous statement by the time the 
                         Minimum Payment was due.
    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, 
    Federal Reserve Board visit the website of the Federal Reserve Board at http://www.federalreserve.gov/
                         creditcard.
    FEES
    Annual Fee           None
    Penalty Fees
                Late Payment Up to $35
                Returned Payment Up to $35
   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 18.65% to the Prime Rate to determine�the Purchase APR (monthly periodic rate currently 1.825%).
     b. We add 21.65% to the Prime Rate to determine the Penalty APR (monthly periodic rate currently 2.075%).
   Authorization: When you apply for a Kohl�s credit card from  that all creditors make credit equally available to all customers,  decree adversely affects our rights, unless you give us a copy of 
   Capital One, N.A. (�Capital One�,�we�, or �us�), you agree to  and that credit reporting agencies maintain separate histories  such agreement, statement or court order before we grant you 
   the following:             on  each  individual  upon  request.  The  Ohio  Civil  Rights  credit, or we have actual knowledge of the adverse obligation. 
   1. You authorize us to obtain credit bureau reports in connection  Commission administers compliance with the law. All obligations on this account will be incurred in the interest 
   with your request for an account. If an account is opened, we  New York and Vermont Residents: Capital One may obtain  of your marriage or family. You understand that we may be 
   may obtain credit bureau reports in connection with extensions  at any time your credit reports, for any legitimate purpose  required to give notice of this account to your spouse. Married 
   of credit or the review or collection of your account. If you ask,  associated with the account or the application or request for  Wisconsin residents must furnish their (the applicant�s) 
   we will tell you the name and address of each credit bureau  an account, including but not limited to reviewing, modifying,  name and social security number as well as the name and 
   from which we obtained a report about you. renewing and collecting on your account. On your request,  address of their spouse to Kohl�s, PO Box 3120, Milwaukee, 
   2. By using the account or any card, or authorizing their use,  you will be informed if such a report was ordered. If so, you  WI 53201.
   you agree to the terms of the Cardmember Agreement. If you  will be given the name and address of the consumer reporting  Omission of any information requested on the application may 
   open your account in a Kohl�s store you acknowledge receipt  agency furnishing the report. New York residents may contact  be reason for denial of an account.
   of this disclosure and a copy of the Cardmember Agreement  the New York State Banking Department (1-800-518-8866) for  IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING 
   before your ?rst purchase. a comparative list of credit card rates, fees and grace periods. A NEW ACCOUNT
   3. As described in the Cardmember Agreement, we reserve the  California Residents: Applicants: 1) may, after credit approval,  To help the government ?ght the funding of terrorism and 
   right to change the terms of your account (including the APRs)  use the credit card account up to its credit limit; 2) may be liable  money laundering activities, Federal law requires all ?nancial 
   at any time, for any reason. for amounts extended under the plan to any joint applicant. As  institutions  to  obtain,  verify,  and  record  information  that 
                              required by law, you are hereby noti?ed that a negative credit 
   4. We will review your credit history to determine if you qualify  identi?es each person who opens an account.
                              report re?ecting on your credit record may be submitted to a 
   for an account and, if so, your credit line. Based on this review,  What this means for you: When you open an account, we will 
                              credit reporting agency if you fail to ful?ll the terms of your 
   you may not receive a card.                            ask for your name, address, date of birth, and other information 
                              credit obligations. 
   5. You must be at least 18 years old to qualify (19 in AL and NE). that will allow us to identify you. We may also ask to see your 
                              Notice  to  Married  Wisconsin  Residents:  No  provision  of  driver�s license or other identifying documents.
   Ohio Residents: The Ohio laws against discrimination require  any marital property agreement, unilateral statement or court 
   KOHL�S CARDMEMBER AGREEMENT 1. De?nitions and Card Usage: In this Agreement, the words  Account may be assigned. �Kohl�s� means Kohl�s Department 
                              �you�, �your�, and �cardmember� refer to each person who  Stores, Inc., N56 W17000 Ridgewood Dr., Menomonee Falls, 
   This agreement (�Agreement�) governs your Kohl�s credit card 
                              applies for the Account and each person who agrees to be  Wisconsin 53051. Kohl�s is servicing your account on our 
   Account (�Account�) with us. Please keep this Agreement for 
                              liable on the Account. The words �we,� �us,� and �our� refer  behalf and is also referred to alone or together with others as 
   your records. You agree with us that the following terms apply 
                              to Capital One, N.A., the creditor and issuer of the Account  an agent. The word �card� means the card issued to you under 
   to your Account.
                              and any other person to whom this Agreement and/or the  this Agreement that may be used to make purchases at Kohl�s. 
                                           1
   You agree that all purchases made using the Account shall be  percentage we add to the Prime Rate to calculate the APR.  If you make a payment marked as paid in full or indicate 
   only for personal, family, or household purposes.  A �business day� is any day that is not a weekend or federal  that it is to pay all amounts you owe us, you must send 
   2. Amendments: We have the right to change the terms  holiday. If the monthly periodic rate increases, you will have to  that payment to the special address on the back of your 
   of this Agreement for any reason, and in any respect, by  pay a higher periodic interest charge and may have to pay a  statement. That address is called the �Conditional Payments� 
   adding, deleting or modifying any provision, including  higher minimum payment. address. We  may  accept  a  conditional  payment  and  not 
   APRs, fees, the Minimum Payment and other terms. We  APR for Purchases. The Prime Rate plus 18.65%, currently  agree that it pays all amounts you owe on your Account. Also, 
   can add a new provision without regard to whether the  21.9%  (monthly  periodic  rate  1.825%).  The  APR  and  we may return a conditional payment to you and you will still 
   provision deals with a matter already addressed by  monthly periodic rate stated are estimates based on the  owe us the amount of the payment or any other amounts 
   this Agreement.            3.25% Prime Rate.           owed on your Account.
   In certain circumstances, we are required by law to notify  Penalty APR. The Prime Rate plus 21.65%, currently 24.9%  You  authorize  us  to  collect  any  payment  check  either 
   you of changes to the terms of this Agreement, and in  (monthly periodic rate 2.075%). The APR and monthly periodic  electronically or by draft. We can collect your payment checks 
   other circumstances we may not be required to do so.  rate stated are estimates based on the 3.25% Prime Rate. electronically by sending the check number, check amount, 
   When required by law to advise you that you have a legal  account and routing numbers to your bank. Or we can collect 
                              The Penalty APR will be applicable to your account if you: 
   right to reject any changes we make, we will provide an  these checks by sending a draft drawn on your bank account. 
   explanation about how to do that.      A.  fail to make any Minimum Payment by the date and time  Funds may be taken from your bank account on the same day 
                                due (late payment) or     we receive your payment. We will not keep your original check, 
   In some circumstances, APRs or other aspects of your 
                                  B. make a payment to us that is returned unpaid. just a copy of it.
   Account  may  change  even  though  the  terms  of  the 
   Account do not change, for example when the Prime Rate  Before we apply the Penalty APR on any type of transaction  You  may  use  our  optional  services  to  make  payments 
   changes or the Penalty APR becomes applicable. See the  or balance, we will provide you any notice required by law  electronically through our website, our automated telephone 
   Penalty APR section about our right to increase APRs  in advance that tells you which future transactions and/or  service or our customer service advisors. We will provide the 
   on outstanding balances and/or future transactions for  outstanding balances are subject to the Penalty APR and when  terms for these payment services before you use them.
   events of default including late payment. the APRs will increase. If we do not increase your APRs to the  8. Legal Notices: For important information regarding your 
   3. Promise to Pay and Authorized Users: In return for  Penalty APR when any of these events occur, we reserve our  right to dispute billing errors under federal law, see the 
   extending credit to you on this Account from time to time, you  right to increase your APRs to the Penalty APR if any of these  section marked �Your Billing Rights� that accompanies your 
   agree to pay us for all goods and services you charge to this  events occur in the future. copy of this Agreement. All notices relating to legal actions, 
   Account, plus any interest, fees and other charges set forth  If your APRs are increased on any type of transaction for any of  including bankruptcy notices, must be sent to us, through our 
   below, according to the terms of this Agreement. If more than  the reasons above, the Penalty APR will be applicable inde?nitely  agent, at Kohl�s, ATTN: Credit Administrator, P.O. Box 3043, 
   one person has applied for or is liable on this Account, each  to future transactions of that type that occur more than 14 days  Milwaukee, WI, 53201-3043. Legal notices sent to any other 
   of you will be responsible for paying all charges incurred  after we provide you notice about the APR increase.  addresses will not satisfy the legal requirement that you 
   by either of you or anyone either of you permit to use this  provide us with notice.
                              If we do not receive any Minimum Payment within 60 days of 
   Account. If you allow someone to use this Account, that 
                              the date and time due, the Penalty APR will be applicable to all  9. No Waiver By Us: We reserve the right to delay or refrain 
   person will be an authorized user. You should think carefully 
                              outstanding balances and future transactions on your Account.  from enforcing any of our rights under this Agreement without 
   before letting anyone become an authorized user because 
                              However, if we receive six consecutive Minimum Payments by  losing them. For example, we can extend the time for making 
   you are allowing that person to use the Account as you can. 
                              the date and time due beginning with the ?rst payment due  certain payments without extending others or we can accept 
   You will remain responsible for your Account and each card 
                              after the effective date of the increase, we will stop applying  late or partial payments without waiving our right to have future 
   issued on your Account. This includes your responsibility for 
                              the Penalty APR to transactions that occurred prior to or within  payments made when they are due.
   paying all charges on your Account made by an authorized 
                              14 days after we provided you notice about the APR increase. 
   user.                                                  10.  Returned  Payment  Fee:  If  any  check,  instrument,  or 
                              See the Amendments section about our rights to increase  electronic authorization used to pay the amount you owe under 
   4. When Effective: Your signature, including any electronic  APRs and make other changes to your Account for any reason. this Agreement is returned unpaid upon ?rst presentment 
   signature, on the application for this Account or on any sales 
                              Minimum Interest Charge. We may charge no less than the  (�returned payment�), even if the returned payment is later 
   receipt, or your use of this Account, is your consent to the 
                              minimum interest charge of $1.00 if any periodic interest is  honored, we may charge you a returned payment fee of $25. If 
   terms of this Agreement with us and your acknowledgement 
                              due for a billing period.   you have a returned payment and then have another returned 
   of delivery of a copy of this Agreement to you. The information 
                                                          payment in any of the next six consecutive billing periods 
   you provide or have previously provided on the application  6. Periodic Interest Charge Calculation � Average Daily 
                                                          the  returned  payment  fee  will  be  up  to  $35.00  until  you 
   that identi?es you constitutes a part of this Agreement and is  Balance (Including New Purchases): We ?gure the periodic 
                                                          have gone six consecutive billing periods without a returned 
   incorporated in it by reference. For new Account applicants,  interest charges on your account by applying the monthly 
                                                          payment. The returned payment fee cannot be greater than 
   this Agreement will not be effective until we approve your  periodic rate to the �average daily balance� of your account 
                                                          the Minimum Payment due immediately prior to the date on 
   application,  and  then,  after  that  only  if  you  or  someone  (including  current  transactions). To  get  the �average  daily 
                                                          which your payment was returned. You agree that this fee will 
   authorized by you charges a purchase to this Account.  balance�  we  take  the  beginning  balance  of  your  account 
                                                          be added to the outstanding balance on your Account.
                              each day, add any new purchases, unpaid interest charges, 
   5. Billing Period, Paying Interest, Variable Rates, Annual 
                              fees, other charges and debit adjustments, then subtract any  11. Late Payment Fee: We may charge a late payment fee if 
   Percentage Rates (�APR�), Minimum Interest Charge:
                              payments, credits or credit adjustments. This gives us the daily  we do not receive at least the required Minimum Payment for 
   Billing Period/Statements. In order to manage your Account,  balance. Then, we add up all the daily balances for the billing  any billing period by the date and time it is due. If the amount 
   we divide time into periods called billing periods. Each billing  cycle and divide the total by the number of days in the billing  of the late payment fee is based on a balance, we will use the 
   period is approximately one month in length. For each calendar  cycle. This gives us the �average daily balance.� total Account balance at the end of the day that the late fee is 
   month your Account will have a billing period ending in that  charged to calculate the fee. This date may be as early as the 
                              On the ?rst day of each billing period we add to the daily 
   month. We will provide a billing statement (�Statement�) each  due date for the late payment. Your late payment fee will be 
                              balance the unpaid periodic interest charges from the prior 
   month one is required by applicable law. Your account will 
                              billing period (in this way we compound interest on a monthly  $15 if your balance is greater than $15 but less than $50.01, 
   have a billing period ending in each calendar month whether 
                              basis). Purchases and fees are added to your daily balance as  and $25 if your balance is greater than $50, however, if your 
   or not there is a Statement for that billing period.
                              of the transaction date or a later date of our choice. balance is $15 or less you will not be charged a late payment 
   Paying Interest. We begin assessing periodic interest charges  fee. If you pay late and then pay late again in any of the next 
                              7. Payments:
   on a transaction, fee, or interest charge from the date it is  six consecutive billing periods the late payment fee will be up 
   added to your daily balance as described in this Agreement  Minimum Payment. You must make your Minimum Payment  to $35.00 until you have paid your Minimum Payment when 
   until your Account is paid in full. Your due date will be a  in a way that we receive it by the time and date it is due. You  due for six consecutive billing periods. The late payment fee 
   minimum of 25 days following the close of each billing cycle.  may make payments greater than your required Minimum  cannot be greater than the Minimum Payment due for the 
   You can avoid periodic interest charges on new purchases  Payment. This will reduce the interest charges that are added  billing period for which your payment was late. We will add 
   when they are ?rst billed to a Statement, as follows. If you  to your Account.  any late fee to the balance due on your Account.
   receive  a  current  monthly  Statement  that  includes  new  Your Minimum Payment will be the largest of: i) $25 (or total  12. Default/Collection Costs. You will be in default if you 
   purchases, and then make a payment that we receive by the  amount you owe if less than $25); or ii) the sum of 1% of the  fail to pay any Minimum Payment by the time and date it is 
   date and time the Minimum Payment is due for that Statement,  New Balance, plus the periodic interest charges and late fees  due, if you breach any other promise or obligation under this 
   we will not charge periodic interest on any portion of the new  billed on the statement for which your Minimum Payment is  Agreement, if you become incapacitated or die, or if you ?le for 
   purchases, so long as your current Statement also shows that  calculated. As part of the Minimum Payment we will also add  bankruptcy. Subject to applicable law, we may also consider 
   we received payment of the ending balance for your previous  any amount past due. you to be in default under this Agreement at any time if any 
   month�s Statement by the date and time its Minimum Payment 
                              How We Apply Your Payments. We apply your minimum  statement made by you to us in connection with this Account 
   was due or that the ending balance for your previous month�s 
                              payments  to  lower APR  balances  before  higher  ones. We  or any other credit program with us was false or misleading; 
   Statement was zero. 
                              apply any portion of your payment, in excess of your minimum  if we receive information indicating that you are bankrupt, 
   Variable Rate. The APR for Purchases and the Penalty APR  payment, to higher APR balances before lower ones. intend to ?le bankruptcy, or are unable to pay your debts as 
   may vary with changes to the Prime Rate. We calculate the  they become due; or we receive information leading us to 
                              Payment Instructions. You agree to pay us amounts you 
   APR by adding a margin to the Prime Rate published in The  conclude that you are no longer creditworthy. In evaluating your 
                              owe in U.S. dollars. You must use a check, money order or 
   Wall Street Journal on the last business day of the calendar  creditworthiness, you agree that we may rely on information 
                              electronic debit drawn on a U.S. bank or a foreign bank branch 
   quarter  (January-March,  April-June,  July-September,  and  contained in consumer reports, and in our discretion we may 
                              in the U.S. We will not accept cash payments through the mail. 
   October-December) and will be effective for all billing cycles  consider the amount of debt you are carrying compared to 
                              When we receive or apply a payment, we might not restore 
   beginning in the following calendar quarter. The �Prime Rate�  your resources or any other of your credit characteristics, 
                              your credit line by that amount for up to 15 days.
   is the (U.S.) Prime Rate published in the Money Rates section  regardless of your performance on this Account. In the event 
   of The Wall Street Journal. The Prime Rate is merely a pricing  For mailed payments, your billing statement and the envelope  of default, subject to any right you may have under applicable 
   index. It is not the lowest or the best interest rate available  it comes in give you instructions about how, when and where  law, we may demand that you pay the entire unpaid balance 
   to a borrower at any particular bank at any given time. If The  to make your payments. You must follow these instructions.  due. If the Account is referred to an attorney, you agree to pay 
   Wall Street Journal stops publishing the Prime Rate, we will  Your payment will not be credited to your Account before we  our reasonable attorney�s fees, but only to the extent and in the 
   select a similar reference rate and inform you on your billing  receive it at the address we specify for receipt of payments  amount permitted by applicable law, and court costs will also 
   statement or through a separate notice. A �margin� is the  and in accordance with the payment instructions.  be recovered where permitted by applicable law.
                                           2
   13.  Your  Credit  Limit  and  Canceling  or  Limiting  Your  mailing address, telephone number or email address, you  While we investigate whether or not there has been 
   Credit: We will assign a credit limit to your Account. Your  must notify us immediately in writing at the address shown on  an error: 
   credit limit appears on your Statement. You are responsible for  your billing statement. Telephone numbers you provide include 
                                                              �  We cannot try to collect the amount in question, or report 
   keeping track of your Account balance including any fees and  those you give us and/or those we obtain from caller ID 
                                                            you as delinquent on that amount. 
   interest charges and making sure it remains below your credit  processes. We may obtain telephone number, mailing address 
   limit. We may but are not required to authorize charges that  and e-mail address information from you or third parties, and      �  The charge in question may remain on your statement, and 
   go over your credit limit. You must pay any amount over your  we may accept mailing address corrections from the United  we may continue to charge you interest on that amount. 
   credit limit and you must pay us immediately if we ask you to  States Postal Service.     �  While you do not have to pay the amount in question, you 
   do so. This Agreement applies to any balance over your credit 
                              If more than one person is responsible for this Account, we can  are responsible for the remainder of your balance. 
   limit. We may change or cancel your credit limit without telling 
                              provide billing statements and communications to any of you.      � We can apply any unpaid amount against your credit limit.
   you ahead of time. If we do, it will not excuse you from your 
                              Notice to one of you will be considered notice to all of you. You 
   obligations to pay us.                                 After we ?nish our investigation, one of two things will happen: 
                              all will remain obligated on the Account. You agree to pay any 
   You may close your Account at any time. We may require you  fee(s) or charge(s) for incoming communications from us, and/     �  If we made a mistake: You will not have to pay the amount 
   to provide a closure request in writing. Except as required by  or outgoing communications to us, without reimbursement  in question or any interest or other fees related to that 
   applicable law, we may close your Account or suspend your  from us. amount. 
   credit privileges or any feature on your Account at any time 
                              You authorize us, or anyone acting on our behalf, to call or      �  If we do not believe there was a mistake: You will have 
   for any reason, including Account inactivity, without notice. If 
                              send a text message to any number you provide or to any  to pay the amount in question, along with applicable interest 
   we close your Account or suspend your credit privileges or any 
                              number where we reasonably believe we can contact you.  and fees. We will send you a statement of the amount you 
   feature, we will not be liable to you for any consequences that 
                              These include calls to mobile, cellular, or similar devices,  owe and the date payment is due. We may then report you 
   result. If you or we close your Account, you and any authorized 
                              and calls using automatic telephone dialing systems and/or  as delinquent if you do not pay the amount we think you owe.
   users must stop using your Account immediately and destroy 
                              prerecorded messages. We may also send an email to any  If you receive our explanation but still believe your bill is 
   all cards or return them to us upon request. You will continue 
                              address where we reasonably believe we can contact you.  wrong, you must write to us within 10 days telling us that 
   to be responsible for charges to your Account according to the 
                              Some of the legal purposes for calls and messages include:  you still refuse to pay. If you do so, we cannot report you as 
   terms of this Agreement.
                              suspected  fraud  or  identity  theft;  obtaining  information;  delinquent without also reporting that you are questioning 
   14. Credit Cards, Lost/Stolen Credit Cards and Liability for  transactions on or servicing of your Account; collecting on  your bill. We must tell you the name of anyone to whom 
   Unauthorized Use: All cards we issue remain our property  your Account; and providing you information about products  we  reported  you  as  delinquent,  and  we  must  let  those 
   and, if requested, you agree to return to us any card issued  and services. organizations  know  when  the  matter  has  been  settled 
   to you. If you lose or someone steals your card or any other  between us.
   means to access your Account, or if you think someone has  20. Established Business Relationship: You further agree 
                              that you have an established business relationship with us  If we do not follow all of the rules above, you do not have to pay 
   used your Account without your permission, you must tell us 
                                                          the ?rst $50 of the amount you question even if your bill is correct.
   immediately. Call us at 1-800-564-5740 or write to us at:  and with Kohl�s and that we both may contact you from time 
   Kohl�s, ATTN: Credit Administrator, P.O. Box 3120, Milwaukee,  to time regarding your account and products and services that  YOUR  RIGHTS  IF  YOU  ARE  DISSATISFIED  WITH  YOUR 
   WI 53201-3120. Do not use your Account after you notify us.  we or Kohl�s believes may be of interest to you. You agree that  CREDIT CARD PURCHASES
   We may end your credit privileges and close your Account if  all such contacts are not unsolicited and may be monitored to 
                                                          If you are dissatis?ed with the goods or services that you 
   we consider it appropriate. You agree to provide us information  assure quality service.
                                                          have purchased with your credit card, and you have tried in 
   to help us ?nd out what happened. You will not be liable for  21. GOVERNING LAW: THE TERMS AND ENFORCEMENT OF  good faith to correct the problem with the merchant, you may 
   any unauthorized use that occurs after you notify us. You may,  THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED  have the right not to pay the remaining amount due on the 
   however, be liable for unauthorized use that occurs before  AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND,  purchase.
   your notice to us. In any case, your liability will not exceed $50. TO THE EXTENT STATE LAW APPLIES, THE LAW OF VIRGINIA, 
                                                          To use this right, all of the following must be true: 
   15. Additional Cards and Revoking an Authorized User�s  WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW 
   Card: You may request additional cards on your Account for  OF VIRGINIA, WHERE YOUR ACCOUNT AND WE ARE LOCATED,      1.  The purchase must have been made in your home state 
   yourself or authorized users. However, if you do you will be  WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. or within 100 miles of your current mailing address, and 
   liable for all charges incurred by these persons in accordance  the purchase price must have been more than $50. (Note: 
                              22. Assignment: We may assign your Account, any amounts 
   with this Agreement. You agree to notify us immediately if  Neither of these are necessary if your purchase was 
                              you owe us, or any of our rights and obligations under this 
   you revoke permission to use the Account for any person you  based on an advertisement we mailed to you, or if we 
                              Agreement to a third party. The person to whom we make the 
   previously authorized to use your Account. In that case, we  own the company that sold you the goods or services.) 
                              assignment will be entitled to any of our rights that we assign 
   may close the Account and issue a new card or cards with  to that person. You may not assign this Account.     2.  You must have used your credit card for the purchase. 
   a different Account number. An authorized user is not liable  Purchases made with cash advances from an ATM or 
   for charges incurred by you or by other authorized users. You  23. Enforcing this Agreement: We can delay enforcing or not 
                                                            with a check that accesses your credit card account 
   authorize us to provide Account information to authorized  enforce any of our rights under this Agreement without losing 
                                                            do not qualify. 
   users and to discuss the Account with them. You agree to  our right to enforce them in the future. If any of the terms of 
                                                              3.  You must not yet have fully paid for the purchase.
   notify each authorized user, at the time he or she becomes an  this Agreement are found to be unenforceable, all other terms 
   authorized user, that we may receive, record, exchange and  will remain in full force. If all of the criteria above are met and you are still dissatis?ed 
   use information about him or her in the same manner we do  24. FOR INFORMATION: Please call the customer service  with the purchase, contact us in writing on a separate sheet at 
   with information about you as described in this Agreement.  telephone number on your card or Statement if you have any  the �Send Inquiries To� address shown on your billing statement.
   16. Credit Information: We may review your credit history  questions about your Account or this Agreement.  While we investigate, the same rules apply to the disputed 
   by obtaining information from credit reporting agencies and  YOUR BILLING RIGHTS: Keep this Document for Future Use amount as discussed above. After we ?nish our investigation, 
   others. We may report information about you and your Account  we will tell you our decision. At that point, if we think you owe 
                              This notice tells you about your rights and our responsibilities 
   to credit reporting agencies. If you request additional cards on  an amount and you do not pay, we may report you as delinquent.
                              under the Fair Credit Billing Act.
   your Account for others, we may report Account information in  For information about your Account, please contact Capital 
   your name as well as in the names of those other people. If  WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT One,  N.  A.  by  writing  our  servicer:  Kohl�s,  Attn:  Credit 
   you think we have reported information to a credit reporting  If you think there is an error on your statement, write to us on  Administrator, P.O. Box 3120, Milwaukee, WI 53201-3120.
   agency that is not correct, you may write to us at: Kohl�s, ATTN:  a separate sheet at the �Send Inquiries To� address shown on  Copyright �2012 Capital One. All rights reserved.
   Credit Administrator, P.O. Box 3115, Milwaukee, WI 53201- your billing statement.
   3115. Please include your name, address, Account number, 
   telephone number and a brief description of the problem and a  In your letter, give us the following information: 
   copy of the credit reporting agency report if you have it. We will      � Account information: Your name and account number. 
   investigate the matter. If our investigation shows that you are 
                                  �  Dollar amount: The dollar amount of the suspected error. 
   right, we will contact each credit reporting agency to which 
   we reported the information and will request they correct the      �  Description of problem: If you think there is an error on 
   report. If we disagree with you after our investigation, we will  your bill, describe what you believe is wrong and why you 
   tell you in writing or by telephone.  believe it is a mistake.
   17. Credit Balances: You may request a refund of any credit  You must contact us: 
   balance at any time. Otherwise, we will apply it to any new      �  Within 60 days after the error appeared on your statement.
   charges on your Account or provide the refund to you as 
   required by law.               �  At least 3 business days before an automated payment 
                                is scheduled, if you want to stop payment on the amount 
   18. Telephone Monitoring and Recording: In order to assure  you think is wrong. 
   that you receive the best possible customer service, and that 
   our employees and agents are complying with our policies and  You must notify us of any potential errors in writing. You may call 
   all applicable laws in their contacts with you, on occasion, we  us, but if you do we are not required to investigate any potential 
   or our agents may record your call or we may have a second  errors and you may have to pay the amount in question.
   employee  listening  to  customer  calls. You  consent  to  the  WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER
   recording and monitoring of calls and further authorize us or 
                              When we receive your letter, we must do two things:
   our agents to contact you by telephone for any lawful purpose 
   including the offering of products or services that Kohl�s or we      1.  Within 30 days of receiving your letter, we must tell you 
   believe may be of interest to you. that we received your letter. We will also tell you if we 
                                have already corrected the error.
   19.  Communications/Change  of  Information:  We  can 
   provide cards, billing statements and other communications      2.  Within 90 days of receiving your letter, we must either 
   to you at any mailing address or email address shown in our  correct the error or explain to you why we believe the 
   records. If you change your contact information such as any  bill is correct.
                                           3
          Rev. 4/2012  
                          WHAT DOES CAPITAL ONE�  
              FACTS  
                          DO WITH YOUR PERSONAL INFORMATION?  
            
        Why?              Financial companies choose how they share your personal information.  Federal law 
                          gives consumers the right to limit some but not all sharing.  Federal law 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.  
            
        What?             The types of personal information we collect and share depend on the product or 
                          service you have with us.  This information can include:  
                            
                             ?  Social Security number and income  
                             ?  Account balances and payment history  
                             ?  Account transactions and credit card or other debt  
                           
            
        How?              All financial companies need to share customers� personal information to run their 
                          everyday business.  In the section below, we list the reasons financial companies can 
                          share their customers� personal information; the reasons Capital One chooses to 
                          share; and whether you can limit this sharing.  
                                                                 Can you limit this 
         Reasons we can share your personal information   Does Capital One share?  
                                                                    sharing?  
        For our everyday business purposes � such as to 
        process your transactions, maintain your account(s), 
                                                    Yes               No  
        respond to court orders and legal investigations, or 
        report to credit bureaus  
        For our marketing purposes � to offer our products 
                                                    Yes               No  
        and services to you  
        For joint marketing with other financial companies   Yes      No  
        For our affiliates� everyday business purposes � 
                                                    No            We don�t share  
        information about your transactions and experiences  
        For our affiliates� everyday business purposes � 
                                                    No            We don�t share  
        information about your creditworthiness  
        For nonaffiliates to market to you  
                                                    No            We don�t share  
        Questions?        Call 1-800-564-5740 or go to 
                          http://www.kohlscorporation.com/customer_service/mykc/mykc.html    
        
       *Please keep in mind that, as permitted by applicable law, we share information about you with Kohl�s in 
       connection with maintaining and servicing your account, including for Kohl�s to market to you in support of the 
       card program.  Federal law does not give you the right to limit this sharing.   
        
         
        
                                                                                  
        
        
        
        
        
        
        
                � 2012 Capital One. Capital One is a federally registered service mark. All rights reserved. 
                                                                            Page 2 
        Who we are  
        Who is providing this notice?  
                               This notice is provided by Capital One, National Association with 
                               respect to your Kohl's credit card.  
        What we do  
        How does Capital One protect  To protect your personal information from unauthorized access 
        my personal information?   and use, we use security measures that comply with federal law.  
                               These measures include computer safeguards and secured files 
                               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, affiliates, or other companies.  
                                 
        Why can�t I limit all sharing?   Federal law gives you the right to limit only  
                                 
                                  ?  Sharing for affiliates� everyday business purposes � 
                                    information about your creditworthiness  
                                  ?  Affiliates from using your information to market to you  
                                  ?  Sharing for nonaffiliates 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. 
        Definitions  
        Affiliates             Companies related by common ownership or control.  They can be 
                               financial or nonfinancial companies.  
                                 
                                Capital One does not share with our affiliates  
                                
        Nonaffiliates          Companies not related by common ownership or control.  They 
                               can be financial and nonfinancial companies.  
                                 
                                Nonaffiliates we share with for non-marketing activities can 
                               include insurance companies, service providers, data processors, 
                               and advertisers.  
                                
        Joint marketing        A formal agreement between nonaffiliated financial companies that 
                               together market financial 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 products 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, N.A. and does not 
        apply to any other accounts you have with the Capital One family of companies.  
                � 2012 Capital One. Capital One is a federally registered service mark. All rights reserved.