INTEREST RATES AND INTEREST CHARGES 
                                      a 
       Annual Percentage Rate (APR) 26.74% . 
       for Purchases           This APR will vary with the market based on the Prime Rate. 
                                   b
       Penalty APR and When It  29.74% .   
       Applies                 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 inde?nitely. 
       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 5.00% Prime Rate. 
       a. We add 21.74% to the Prime Rate to determine the Purchase APR (monthly periodic rate currently 2.23%).   
       b. We add 24.74% to the Prime Rate to determine the Penalty APR (monthly periodic rate currently 2.48%). 
       The information about the costs of the credit card account described above is accurate as of July 1, 2018. 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 0718.indd   2                                                 6/26/18   11:42 AM
   KOHL�S CARDMEMBER AGREEMENT        Minimum Interest Charge. We may charge no less than the minimum interest    number and a brief description of the problem and a copy of the credit reporting 
   This agreement (�Agreement�) governs your Kohl�s credit card account (�Account�)  charge of $1.00 if any periodic interest is due for a billing cycle.    agency report if you have it. We will investigate the matter. If our investigation shows   
   with us. Please keep this Agreement for your records. You agree with us that the    8. Periodic Interest Charge Calculation � Average Daily Balance (Including  that you are right, we will contact each credit reporting agency to which we reported 
   following terms apply to your Account.  New Purchases): We ?gure the periodic interest charges on your Account by  the information and will request they correct the report. If we disagree with you after 
                                                                          our investigation, we will tell you in writing or by telephone.   
   Capital One, N.A. and Kohl�s may exchange information about you and your  applying the applicable monthly periodic rates to the �average daily balance� of 
   Account(s) so that you can receive the bene?ts of the Kohl�s Charge program  your Account (including current transactions). To get the �average daily balance�    18. Credit Balances: You may request a refund of any credit balance at any time.   
   and so that Kohl�s can inform you of additional information, offers and  for each balance type (balances on Promotional Credit Plans and balances for other  Otherwise, we will apply it to any new charges on your Account or provide the 
   opportunities.                     amounts), we take the beginning balance of each applicable balance type each day,    refund to you as required by law. 
                                      add any new purchases, unpaid interest charges, fees, other charges and debit 
   1. De?nitions and Card Usage: In this Agreement, the words �you�, �your�, and    19. Credit Marketing: If you are eligible to receive Kohl�s Charge print marketing   
                                      adjustments, then subtract any payments, credits or credit adjustments. This gives   
   �cardmember� refer to each person who applies for the Account and each person  offers, Kohl�s may, in its discretion, suspend your offers under the following 
                                      us the daily balances. Then, we add up all the daily balances for each balance type   
   who agrees to be liable on the Account. The words �we,� �us,� and �our� refer to     circumstances, without limitation: (i) your Account has limited activity or becomes 
                                      and divide the total by the number of days in the billing cycle. This gives us the   
   Capital One, N.A., the creditor and issuer of the Account and any other person to  inactive for a period of time; (ii) your Account becomes past due and you do not 
                                      �average daily balance� for each balance type.   
   whom this Agreement and/or the Account may be assigned. �Kohl�s� means Kohl�s     make it current for a period of time. Our print marketing offers cannot be sent to 
   Department Stores, Inc., N56 W17000 Ridgewood Dr., Menomonee Falls, Wisconsin    On the ?rst day of each billing cycle we add to the daily balance the unpaid periodic  addresses outside of the United States or Canada or to military addresses. Our 
   53051. Kohl�s is servicing your Account on our behalf and is also referred to alone  interest charges from the prior billing cycle (in this way we compound interest on  offers will not be forwarded by the postal service, so you must contact us to update   
   or together with others as an agent. The word �Card� means the card issued to you     a monthly basis). Purchases and fees are added to your daily balance as of the  your address after moving in order to continue receiving offers. If you need to 
   under this Agreement that may be used to make purchases at Kohl�s. You agree    transaction date or a later date of our choice.  update your address or any of your contact information or would like to opt-out 
   that all purchases made using the Account shall be only for personal, family, or  9. Payments:  of receiving our print marketing offers, please call the customer service telephone 
   household purposes. �Credit Plan� means any plan we may establish and make    number on your card or statement. 
                                      Minimum Payment. You must make your minimum payment in a way that we   
   available on your Account that is subject to a unique annual percentage rate (�APR�)  receive it by the time and date it is due. The minimum payment for your Account    20. Communications: You agree that we may communicate with you by mail,   
   or other terms. The sum of your Credit Plan balances equals your total Account    includes the minimum payment due on each Credit Plan. You may make payments    telephone, email, fax, prerecorded message, automated voice, text message, or 
   balance. �New Balance� means the amount displayed as the New Balance on each     greater than your required minimum payment. This will reduce the interest charges    other means allowed by law regarding your Account. You authorize us, or anyone   
   billing Statement.                 that are added to your Account.     acting on our behalf, to call or send a text message to any number you provide or to   
   2. Amendments: We have the right to change the terms of this Agreement  any number where we reasonably believe we can contact you. These include calls   
                                      Your minimum payment will be the larger of: i) $27 (or total amount you owe if less 
   for any reason, and in any respect, by adding, deleting or modifying any  to mobile, cellular, or similar devices, and calls using automatic telephone dialing 
                                      than $27); or ii) the sum of 1% of the New Balance (which does not include balances 
   provision, including APRs, fees, the minimum payment and other terms. We  systems and/or prerecorded messages. We may also send an email to any address   
                                      on any Special Repayment Term Reduced APR Promotional Credit Plan), plus the 
   can add a new provision without regard to whether the provision deals with a  where we reasonably believe we can contact you. You agree that we may monitor or   
                                      periodic interest charges, plus any amount required under any Special Repayment 
   matter already addressed by this Agreement.                            record any conversation or other communication with you. 
                                      Term Reduced APR Promotional Credit Plan, plus any penalty fees billed on the 
   In certain circumstances, we are required by law to notify you of changes    Statement for which your minimum payment is calculated. We will also add any    21. Established Business Relationship: You further agree that you have an 
   to the terms of this Agreement, and in other circumstances we may not be  amount past due to your minimum payment. In addition to the minimum payment,    established business relationship with us and with Kohl�s and that we both may 
   required to do so. When required by law to advise you that you have a legal  you may pay all or part of the total balance on your Account. But, you must still pay  contact you from time to time regarding your Account and products and services 
   right to reject any changes we make, we will provide an explanation about  at least the minimum payment amount each month, even if you paid more than the  that we or Kohl�s believes may be of interest to you. You agree that all such contacts   
   how to do that.                    minimum payment due on the previous Statement.    are not unsolicited and may be monitored to assure quality service. 
   In some circumstances, APRs or other aspects of your Account may change  How We Apply Your Payments. In each billing cycle, we generally apply payments    22. GOVERNING LAW: THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND 
   even though the terms of the Account do not change, for example when the  up to your minimum payment amount to satisfy the minimum payment due on    YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH 
   Prime Rate changes or the Penalty APR becomes applicable. See the Penalty  each Credit Plan, ?rst to the highest APR Credit Plan balance and then to lower     FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF VIRGINIA, 
   APR section about our right to increase APRs on outstanding balances and/or  APR Credit Plan balances. We will apply any part of your payment exceeding your     WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF VIRGINIA,   
   future transactions for events of default including late payment.  minimum payment ?rst to the balance with the highest APR, and then to balances    WHERE YOUR ACCOUNT AND WE ARE LOCATED, WILL APPLY NO MATTER WHERE   
                                      with lower APRs.                    YOU LIVE OR USE THE ACCOUNT. 
   3. Account Information: We request certain information about you to manage your 

   Account.This includes:
            Payment Instructions. You agree to pay us amounts you owe in U.S. dollars. You     23. Assignment: We may assign your Account, any amounts you owe us, or any of     
                                      must use a check, money order or electronic debit drawn on a U.S. bank or a foreign    our rights and obligations under this Agreement to a third party. The person to whom   
   (1) your legal name;
 
   (2) a valid mailing address and residential address (if different);
  bank branch in the U.S. We will not accept cash payments through the mail. When     we make the assignment will be entitled to any of our rights that we assign to that 
                                      we receive or apply a payment, we might not restore your credit line by that amount  person. You may not assign this Account.   
   (3) your date of birth;
 
   (4) your Social Security number or other government identi?cation number;
  for up to 15 days.  24. Enforcing this Agreement: We can delay enforcing or not enforce any of our 
   (5) your telephone and cell phone number(s);
  For mailed payments, your Statement and the envelope it comes in give you  rights under this Agreement without losing our right to enforce them in the future.   
   (6) your income information; and
  instructions about how, when and where to make your payments. You must follow    If any of the terms of this Agreement are found to be unenforceable, all other terms 
   (7) your email address.
           these instructions. Your payment will not be credited to your Account before we    will remain in full force. 
   If you change your contact information such as any mailing address, telephone 
 receive it at the address we specify for receipt of payments and in accordance with  25. Military Lending Act (MLA) 
   number or email address, you must notify us immediately in writing at the address  the payment instructions.    Federal law provides important protections to members of the Armed Forces and 
   shown on your Statement.           Payments made in store by close of business will be credited as of date payment  their dependents relating to extensions of consumer credit. In general, the cost 
                                      was received.                       of consumer credit to a member of the Armed Forces and his or her dependent 
   We may obtain telephone and cell phone numbers, mailing address and email 
                                                                          may not exceed an annual percentage rate of 36 percent. This rate must include,   
   address information from you, third parties, caller ID and other sources. We may    If you make a payment marked as paid in full or indicate that it is to pay all amounts 
                                                                          as applicable to the credit transaction or account, the costs associated with credit 
   accept mailing address corrections from the United States Postal Service, third  you owe us, you must send that payment to the special address on the back of   
                                                                          insurance premiums; fees for ancillary products sold in connection with the credit 
   parties and other sources.         your Statement. That address is called the �Conditional Payments� address. We may     
                                                                          transaction; any application fee charged (other than certain application fees for 
   4. Promise to Pay: In return for extending credit to you on this Account from time to  accept a conditional payment and not agree that it pays all amounts you owe on 
                                                                          speci?ed credit transactions or accounts); and any participation fee charged (other 
   time, you agree to pay us for all goods and services you charge to this Account, plus  your Account. Also, we may return a conditional payment to you and you will still   
                                                                          than certain participation fees for a credit card account). 
   any interest, fees and other charges set forth below, according to the terms of this  owe us the amount of the payment or any other amounts owed on your Account. 
                                                                          To hear this same disclosure and a general description of your payment obligations 
   Agreement. If more than one person has applied for or is liable on this Account, then    You authorize us to collect any payment check either electronically or by draft. We   
                                                                          for this credit card account, please call us toll-free at: 1-888-832-0059. 
   (a) each of you will be responsible for paying all charges incurred by either of you  can collect your payment checks electronically by sending the check number, check 
   or anyone either of you permit to use this Account; (b) we can provide Statements  amount, account and routing numbers to your bank. Or we can collect these checks  During any period in which the Military Lending Act (�the Act�) applies to you, no 
   and communications to any of you; and (c) notice to one of you will be considered  by sending a draft drawn on your bank account. Funds may be taken from your bank  provision of your Cardholder Agreement that is inconsistent with the Act shall apply 
   notice to all of you.              account on the same day we receive your payment. We will not keep your original    and your Cardholder Agreement shall be interpreted to comply with the Act.   
   5. Authorized Users: If you ask us to issue a Card to any other person, they are an  check, just a copy of it.  Your Cardholder Agreement shall be interpreted to comply with the Military Lending 
   �Authorized User.� We may require certain information about them. We may limit     You may use our optional services to make payments electronically through our  Act, including the Military Lending Act�s restrictions on permissible loan terms and 
   their ability to use your Card. They may have access to certain information about    website, our automated telephone service or our customer service advisors. You    limitations on interest and fees for customers covered by the Military Lending Act.   
   your Account. You will be responsible for paying all charges on your Account made    do not have to use these other payment services, and we may charge you a fee for  Any excess interest or fees charged or excess amounts collected shall be credited 
   by an Authorized User, You agree to notify each Authorized User,at the time he or    expedited payments made with a customer service advisor. If we do, we will tell you  or refunded. No provision of your Cardholder Agreement that is inconsistent with the 
   she becomes an Authorized User, that we may receive, record, exchange and use  the amount of the fee at the time you request the service. We are not responsible    Military Lending Act shall apply. 
   information about him or her in the same manner we do with information about you  if a payment made using our payment services is rejected or not paid. Even if it is,    26. FOR INFORMATION: For information about your Account, please call the 
   as described in this agreement.    we may still keep the fee.          customer service telephone number on the back of your card or monthly statement,   
   If you want to remove an Authorized User from your Account, you must contact us at     10. Legal Notices: For important information regarding your right to dispute billing  or write us at Kohl�s, Attn: Credit Administrator, P.O. Box 3120, Milwaukee, WI.     
   the Customer Service telephone number on your Statement or on the back of your    errors under federal law, see the section marked �Your Billing Rights� that accompanies      YOUR BILLING RIGHTS: Keep this Document for Future Use 
   Card and request their removal. They will be able to use your Account until you have     your copy of this Agreement. All notices relating to legal actions, including bankruptcy     This notice tells you about your rights and our responsibilities under the Fair Credit 
   noti?ed us that you are removing them from your Account. During this time, you will    notices, must be sent to us, through our agent, at Kohl�s, ATTN: Credit Administrator,     Billing Act. 
   still be responsible for all amounts they charge to your Account. You will be responsible     P.O. Box 3043, Milwaukee, WI, 53201-3043. Legal notices sent to any other addresses    
                                                                          WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT 
   even if these amounts do not appear on your Account until later. Authorized Users may     will not satisfy the legal requirement that you provide us with notice. 
   remove themselves from your Account upon request. We reserve the right to remove     If you think there is an error on your statement, write to us on a separate sheet at 
                                      11. No Waiver By Us: We reserve the right to delay or refrain from enforcing any of 
   them from your Account. To remove them from your Account, we may close your     the �Send Inquiries To� address shown on your billing statement. 
                                      our rights under this Agreement without losing them. For example, we can extend 
   existing Account and issue a new Card with a new Account number.  the time for making certain payments without extending others or we can accept  In your letter, give us the following information:   
   6. When Effective: Your signature, including any electronic signature, on the  late or partial payments without waiving our right to have future payments made  � Account information: Your name and account number.    
   application for this Account or on any sales receipt, or your use of this Account, is  when they are due. 
                                                                           � Dollar amount: The dollar amount of the suspected error.     
   your consent to the terms of this Agreement with us and your acknowledgement  12. Returned Payment Fee: We may charge you this fee each time any payment 
   of delivery of a copy of this Agreement to you. The information you provide or have    � Description of problem: If you think there is an error on your bill, describe what   
                                      you make to us is not paid by your ?nancial institution for any reason, even if that 
   previously provided on the application that identi?es you constitutes a part of this  you believe is wrong and why you believe it is a mistake. 
                                      institution later pays it. The returned payment fee is up to $38.   
   Agreement and is incorporated in it by reference. For new Account applicants, this  You must contact us:   
                                      13. Late Payment Fee: We may charge a late payment fee if we do not receive 
   Agreement will not be effective until we approve your application, and then, after   
                                      at least the required minimum payment for any billing cycle by the date and time  � Within 60 days after the error appeared on your statement.    
   that only if you or someone authorized by you charges a purchase to this Account.   
                                      it is due. Your late payment fee will be zero if your balance is $15 or less, $15 if    � At least 3 business days before an automated payment is scheduled, if you want    
   7. Billing Cycle, Paying Interest, Variable Rates, Annual Percentage Rates  your balance is greater than $15 but less than $50.01, and $27 if your balance    to stop payment on the amount you think is wrong.   
   (�APR�), Minimum Interest Charge, Promotional Credit Plans:
  is greater than $50. The late payment fee will not exceed the amount of your          You must notify us of any potential errors in writing. You may call us, but if you do 
   Billing Cycle/Statements. In order to manage your Account, we divide time into 
   minimum payment due. If you pay late and then pay late again in any of the next six  we are not required to investigate any potential errors and you may have to pay 
   periods called billing cycles. Each billing cycle is approximately one month in length.
    consecutive billing cycles the late payment fee will be up to $38.00 until you have  the amount in question. 
   For each calendar month your Account will have a billing cycle ending in that month.
    paid your minimum payment when due for six consecutive billing cycles. 
                                                                          WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER 
   We will provide a billing statement (�Statement�) each month one is required by 
 14. Default/Collection Costs. You will be in default if you fail to pay any minimum   
   applicable law. Your Account will have a billing cycle ending in each calendar month 
   When we receive your letter, we must do two things: 
                                      payment by the time and date it is due, if you breach any other promise or 
   whether or not there is a Statement for that billing cycle.
  obligation under this Agreement, if you become incapacitated or die, or if you ?le        1. Within 30 days of receiving your letter, we must tell you that we received your 
   Paying Interest. We begin assessing periodic interest charges on a transaction, fee,
     for bankruptcy. Subject to applicable law, we may also consider you to be in default  letter. We will also tell you if we have already corrected the error.   
   or interest charge from the date it is added to your daily balance as described in this 
 under this Agreement at any time if any statement made by you to us in connection      2. Within 90 days of receiving your letter, we must either correct the error or 
   Agreement until your Account is paid in full. You can avoid periodic interest charges 
   with this Account or any other credit program with us was false or misleading; if we  explain to you why we believe the bill is correct. 
   on new purchases, provided you have paid your statement�s entire New Balance 
 receive information indicating that you are bankrupt, intend to ?le bankruptcy, or are 
                                                                          While we investigate whether or not there has been an error:   
   (excluding balances on any Special Repayment Term Reduced APR Credit Plan) in 
 unable to pay your debts as they become due; or we receive information leading us 
   full by the due date each month (see Promotional Credit Plans). Your due date is at 
   to conclude that you are no longer creditworthy. In evaluating your creditworthiness,    � We cannot try to collect the amount in question, or report you as delinquent on    
   least 25 days after the close of each billing cycle.
    you agree that we may rely on information contained in consumer reports, and in  that amount.   
   Variable Rate. The APR for Purchases and the Penalty APR may vary with changes 
   our discretion we may consider the amount of debt you are carrying compared  � The charge in question may remain on your statement, and we may continue to    
   to the Prime Rate. We calculate a variable APR by adding a margin to the Prime 
   to your resources or any other of your credit characteristics, regardless of your  charge you interest on that amount.   
   Rate published in The Wall Street Journal on the last business day of March, June,
    performance on this Account. In the event of default, subject to any right you may  � While you do not have to pay the amount in question, you are responsible for the    
   September and December. The APR calculated in this way will be effective as of the 
   have under applicable law, we may demand that you pay the entire unpaid balance  remainder of your balance.   
   ?rst day of the billing cycle that begins in the following month.
  due. If the Account is referred to an attorney, you agree to pay our reasonable 
                                                                           � We can apply any unpaid amount against your credit limit. 
                                      attorney�s fees, but only to the extent and in the amount permitted by applicable 
   APR for Purchases. The Prime Rate plus 21.74%, currently 26.74% (monthly 
  
                                      law, and court costs will also be recovered where permitted by applicable law.  After we ?nish our investigation, one of two things will happen:   
   periodic rate 2.23%). The APR and monthly periodic rate stated are estimates based 
  
                                      15. Your Credit Limit and Canceling or Limiting Your Credit: We will assign a  � If we made a mistake: You will not have to pay the amount in question or any    
   on the 5.00% Prime Rate.
 
                                      credit limit to your Account. Your credit limit appears on your Statement. You are     interest or other fees related to that amount.   
   Penalty APR. The Prime Rate plus 24.74%, currently 29.74% (monthly periodic 
  
                                      responsible for keeping track of your Account balance including any fees and  � If we do not believe there was a mistake: You will have to pay the amount in    
   rate 2.48%). The APR and monthly periodic rate stated are estimates based on the 
  
                                      interest charges and making sure it remains below your credit limit. We may but are    question, along with applicable interest and fees. We will send you a statement    
   5.00% Prime Rate.
 
                                      not required to authorize charges that go over your credit limit. You must pay any    of the amount you owe and the date payment is due. We may then report you as   
   The Penalty APR will be applicable to your Account if you:    amount over your credit limit and you must pay us immediately if we ask you to do  delinquent if you do not pay the amount we think you owe. 
   A. fail to make any minimum payment by the date and time due (late payment) or     so. This Agreement applies to any balance over your credit limit. We may change or    
                                                                          If you receive our explanation but still believe your bill is wrong, you must write to us 
                                      cancel your credit limit without telling you ahead of time. If we do, it will not excuse 
   B. make a payment to us that is returned unpaid.                       within 10 days telling us that you still refuse to pay. If you do so, we cannot report 
                                      you from your obligations to pay us. 
   Before we apply the Penalty APR on any type of transaction or balance, we will  you as delinquent without also reporting that you are questioning your bill. We must   
                                      You may close your Account at any time. We may require you to provide a closure   
   provide you any notice required by law in advance that tells you which future  tell you the name of anyone to whom we reported you as delinquent, and we must 
                                      request in writing. Except as required by applicable law, we may close your Account 
   transactions and/or outstanding balances are subject to the Penalty APR and when 
 let those organizations know when the matter has been settled between us. 
                                      or suspend your credit privileges or any feature on your Account at any time for 
   the APRs will increase.
                                               If we do not follow all of the rules above, you do not have to pay the ?rst $50 of the 
                                      any reason, including Account inactivity, without notice. If we close your Account 
   If your APRs are increased on any type of transaction for any of the reasons above,
    amount you question even if your bill is correct. 
                                      or suspend your credit privileges or any feature, we will not be liable to you for any 
   the Penalty APR will be applicable inde?nitely to future transactions of that type 
 consequences that result. If you or we close your Account, you and any authorized     YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES 
   that occur more than 14 days after we provide you notice about the APR increase.
    users must stop using your Account immediately and destroy all cards or return  If you are dissatis?ed with the goods or services that you have purchased with 
   If we do not receive any minimum payment within 60 days of the date and time 
 them to us upon request. You will continue to be responsible for charges to your    your credit card, and you have tried in good faith to correct the problem with the 
   due, the Penalty APR will be applicable to all outstanding balances and future 
 Account according to the terms of this Agreement.  merchant, you may have the right not to pay the remaining amount due on the   
   transactions on your Account. However, if we receive six consecutive minimum 
 16. Credit Cards, Lost/Stolen Credit Cards and Liability for Unauthorized Use: If  purchase. 
   payments by the date and time due beginning with the ?rst payment due after the 
 requested, you agree to return to us any card issued to you. If you lose or someone  To use this right, all of the following must be true:   
   effective date of the increase, we will stop applying the Penalty APR to transactions 
 steals your card or any other means to access your Account, or if you think someone      1. The purchase must have been made in your home state or within 100 miles 
   that occurred prior to or within 14 days after we provided you notice about the APR 
 has used your Account without your permission, you must tell us immediately. Call  of your current mailing address, and the purchase price must have been more 
   increase. See the Amendments section about our rights to increase APRs and make 
 us at 1-800-564-5740 or write to us at: Kohl�s, ATTN: Credit Administrator, P.O. Box    than $50. (Note: Neither of these are necessary if your purchase was based on 
   other changes to your Account for any reason.
  3120, Milwaukee, WI 53201-3120. Do not use your Account after you notify us. We     an advertisement we mailed to you, or if we own the company that sold you 
   Promotional Credit Plans. From time to time, we may offer one or more Promotional 
 may end your credit privileges and close your Account if we consider it appropriate.    the goods or services.) 
   Credit Plans prior to or at the time of your purchase. Only certain purchases may 
   You agree to provide us information to help us ?nd out what happened. You will not   
                                                                               2. You must have used your credit card for the purchase. Purchases made with 
   be eligible for Promotional Credit Plans. These plans may have special repayment 
   be liable for any unauthorized use that occurs after you notify us. You may, however,    
                                                                            cash advances from an ATM or with a check that accesses your credit card 
   terms and are conditioned on your timely payment of at least the required payment 
 be liable for unauthorized use that occurs before your notice to us. In any case, your 
                                                                            account do not qualify.   
   amount each billing cycle: a.) Reduced Rate Credit Plan -   With this plan, you 
 liability will not exceed $50. 
   will receive a reduced APR on your purchase for a speci?ed period; b.) Special 
 3. You must not yet have fully paid for the purchase.    
                                      17. Credit Information: We may obtain and use credit and income information 
   Repayment Term Reduced APR Credit Plan - with this plan, a special repayment 
    about you from consumer (credit) reporting agencies and other sources. We may    If all of the criteria above are met and you are still dissatis?ed with the purchase,   
   term will be applied to the reduced APR Promotional Credit Plan purchase for the 
 report information about you and your Account to credit reporting agencies. If    contact us in writing on a separate sheet at the �Send Inquiries To� address shown 
   speci?ed period.
                  you request additional cards on your Account for others, we may report Account  on your billing statement. 
   If you make more than one purchase on your card, the balances for the Promotional  information in your name as well as in the names of those other people. If you think    While we investigate, the same rules apply to the disputed amount as discussed 
   Credit Plan purchases may be treated differently than other balances. We will advise    we have reported information to a credit reporting agency that is not correct, you    above. After we ?nish our investigation, we will tell you our decision. At that point, if    
   you if your participation in certain program features limits your eligibility for any  may write to us at: Kohl�s, ATTN: Credit Administrator, P.O. Box 3115, Milwaukee,        we think you owe an amount and you do not pay, we may report you as delinquent. 
   Promotional Credit Plan.           WI 53201-3115. Please include your name, address, Account number, telephone   
                                                                          Copyright �2018 Capital One. All rights reserved.   
                                                                                                        CMA-07/18 
   1 
  Cardmember Agreement 0718.indd   1                                                                   6/26/18   11:19 AM
                                                                                                    Rev. 09/2016 
                            �
    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 1-800-564-5740 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 1-800-564-5740 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, Onyx 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. 
   � 2016 Capital One. Capital One is a federally registered service mark.
�
  Cardmember Agreement 0718.indd   2                                                                   6/26/18   11:19 AM