INTEREST RATES AND INTEREST CHARGES 
                                      a 
       Annual Percentage Rate (APR) 26.49%
       for Purchases           This APR will vary with the market based on the Prime Rate. 
       How to Avoid Paying Interest  Your due date will be a minimum of 25 days following the close of each billing 
       on Purchases           cycle. We will not charge interest on new purchases provided you have paid 
                              your entire balance in full by the due date each month. 
       Minimum Interest Charge  If you are charged periodic interest, the charge will be no less than $1.00. 
       For Credit Card Tips from the  To learn more about factors to consider when applying for or using a credit card,    
       Consumer Financial Protection  visit the website of the Consumer Financial Protection Bureau at    
       Bureau                 http://www.consumer?nance.gov/learnmore. 
       FEES 
       Annual Fee             None. 
       Penalty Fees
            Late Payment      Up to $38. 
             Returned Payment  Up to $38. 
       How We Will Calculate Your Balance: We use the average daily balance method (including new transactions). See 
       �Periodic Interest Charge Calculation� section of this Agreement for more details. 
       Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are included in this 
       Agreement. See �Your Billing Rights� section for full details. 
       Prime Rate: Estimated variable APRs are based on the 4.75% Prime Rate. 
       a. We add 21.74% to the Prime Rate to determine the Purchase APR (monthly periodic rate currently 2.21%).   
       The information about the costs of the credit card account described above is accurate as of January 1, 2020. This information may have changed. For the most current information   
       contact us at 1-800-564-5740. 
       Authorization: When you apply for a Kohl�s credit card     be revealed if you do not wish it to be considered as a  plan to any joint applicant. As required by law, you are   
       from Capital One, N.A. (�Capital One�,�we�, or �us�), you    basis for repaying this obligation.  hereby noti?ed that a negative credit report re?ecting 
       agree to the following:  8. You acknowledge that you have read and agree to  on your credit record may be submitted to a credit 
       1. You authorize us to obtain credit bureau reports in  be bound by the important rate and fee disclosures  reporting agency if you fail to ful?ll the terms of your 
       connection with your request for an account. If an account is     and the terms stated under this Authorization and the  credit obligations.   
       opened, we may obtain credit bureau reports in connection     Cardmember Agreement section of the disclosures  Notice to Married Wisconsin Residents: No provision 
                               attached to this form. You agree that we may verify your   
       with extensions of credit or the review or collection of your  of any marital property agreement, unilateral statement 
                               information, check your credit history and secure follow-
       account. If you ask, we will tell you the name and address  or court decree adversely affects our rights, unless you 
                               up credit reports on you. 
       of each credit bureau from which we obtained a report  give us a copy of such agreement, statement or court 
       about you.              Ohio Residents: The Ohio laws against discrimination    order before we grant you credit, or we have actual 
                               require that all creditors make credit equally available 
       2. You are providing information in this application to  knowledge of the adverse obligation. All obligations   
                               to all customers, and that credit reporting agencies 
       Capital One and to Kohl�s. Capital One may provide  on this account will be incurred in the interest of your 
                               maintain separate histories on each individual upon 
       information about you (even if your application is declined)    marriage or family. You understand that we may be   
                               request. The Ohio Civil Rights Commission administers   
       to Kohl�s so that they can create and update their records,    compliance with the law.  required to give notice of this account to your spouse.   
       and provide you with services and special offers.  Married Wisconsin residents must furnish their 
                               New York and Vermont Residents: Capital One may 
                                                        (the applicant�s) name and social security number 
       3. By using the account or any card, or authorizing    obtain at any time your credit reports, for any legitimate 
                                                        as well as the name and address of their spouse to 
       their use, you agree to the terms of the Cardmember  purpose associated with the account or the application 
       Agreement. If you open your account in a Kohl�s store    or request for an account, including but not limited to  Kohl�s, PO Box 3120, Milwaukee, WI 53201. 
       you acknowledge receipt of this disclosure and a copy of  reviewing, modifying, renewing and collecting on your  Omission of any information requested on the application 
       the Cardmember Agreement before your ?rst purchase.  account. On your request, you will be informed if such a  may be reason for denial of an account. 
       4. As described in the Cardmember Agreement, we  report was ordered. If so, you will be given the name and  IMPORTANT INFORMATION ABOUT PROCEDURES   
       reserve the right to change the terms of your account  address of the consumer reporting agency furnishing  FOR OPENING A NEW ACCOUNT 
       (including the APRs) at any time, for any reason.  the report. New York residents may contact the New 
                                                        To help the government ?ght the funding of terrorism 
                               York State Department of Financial Services to obtain a 
       5. We will review your credit history to determine if you    and money laundering activities, federal law requires 
                               comparative listing of credit card rates, fees and grace   
       qualify for an account and, if so, your credit line. Based  all ?nancial institutions to obtain, verify, and record 
                               periods.   
       on this review, you may not receive a card.      information that identi?es each person who opens an 
                               New York State Department of Financial Services -  account. 
       6. You must be at least 18 years old to qualify (19 in AL    1-877-226-5697 or http://www.dfs.ny.gov/consumer/ 
       and NE).                                         What this means for you: When you open an account,    
                               creditdebt.htm 
                                                        we will ask for your name, address, date of birth, and 
       7. You acknowledge that you must provide additional  California Residents: Applicants: 1) may, after credit  other information that will allow us to identify you.   
       information electronically, including income. Alimony,   
                               approval, use the credit card account up to its credit  We may also ask to see your driver�s license or other 
       child support or separate maintenance income need not 
                               limit; 2) may be liable for amounts extended under the  identifying documents. 
  186748 ICOOFR 0120.indd   2                                                 1/3/20   10:39 AM
   KOHL�S CARDMEMBER AGREEMENT  expedited payments made with a customer service advisor. If we 
                               do, we will tell you the amount of the fee at the time you request 
   This agreement (�Agreement�) governs your Kohl�s credit card 
                               the service. We are not responsible if a payment made using our   
   account (�Account�) with us. Please keep this Agreement for your 
                               payment services is rejected or not paid. Even if it is, we may still 
   records. You agree with us that the following terms apply to your   
                               keep the fee. 
   Account. 
                               10. Legal Notices: For important information regarding your 
   Capital One, N.A. and Kohl�s may exchange information about 
                               right to dispute billing errors under federal law, see the section 
   you and your Account(s) so that you can receive the bene?ts 
                               marked �Your Billing Rights� that accompanies your copy of 
   of the Kohl�s Charge program and so that Kohl�s can inform 
                               this Agreement. All notices relating to legal actions, including   
   you of additional information, offers and opportunities.   
                               bankruptcy notices, must be sent to us, through our agent, at 
   1. De?nitions and Card Usage: In this Agreement, the words  Kohl�s, ATTN: Credit Administrator, P.O. Box 3043, Milwaukee, WI,     
   �you�, �your�, and �cardmember� refer to each person who    53201-3043. Legal notices sent to any other addresses will not 
   applies for the Account and each person who agrees to be liable  satisfy the legal requirement that you provide us with notice. 
   on the Account. The words �we,� �us,� and �our� refer to Capital    
                               11. No Waiver By Us: We reserve the right to delay or refrain 
   One, N.A., the creditor and issuer of the Account and any other 
                               from enforcing any of our rights under this Agreement without 
   person to whom this Agreement and/or the Account may be 
                               losing them. For example, we can extend the time for making 
   assigned. �Kohl�s� means Kohl�s Department Stores, Inc., N56   
                               certain payments without extending others or we can accept 
   W17000 Ridgewood Dr., Menomonee Falls, Wisconsin 53051.   
                               late or partial payments without waiving our right to have future 
   Kohl�s is servicing your Account on our behalf and is also referred 
                               payments made when they are due. 
   to alone or together with others as an agent. The word �Card�   
   means the card issued to you under this Agreement that may be  12. Returned Payment Fee: We may charge you this fee each 
   used to make purchases at Kohl�s. You agree that all purchases    time any payment you make to us is not paid by your ?nancial 
   made using the Account shall be only for personal, family, or    institution for any reason, even if that institution later pays it. The   
   household purposes. �Credit Plan� means any plan we may    returned payment fee is up to $38. 
   establish and make available on your Account that is subject to a 
                               13. Late Payment Fee: We may charge a late payment fee if we 
   unique annual percentage rate (�APR�) or other terms. The sum   
                               do not receive at least the required minimum payment for any 
   of your Credit Plan balances equals your total Account balance. 
                               billing cycle by the date and time it is due. Your late payment fee   
   �New Balance� means the amount displayed as the New Balance 
                               will be zero if your balance is $15 or less, $15 if your balance is 
   on each billing Statement.   
                               greater than $15 but less than $50.01, and $27 if your balance   
   2. Amendments: We have the right to change the terms of  is greater than $50. The late payment fee will not exceed the   
   this Agreement for any reason, and in any respect, by adding,    amount of your minimum payment due. If you pay late and then 
   deleting or modifying any provision, including APRs, fees,  pay late again in any of the next six consecutive billing cycles the 
   the minimum payment and other terms. We can add a new  late payment fee will be up to $38.00 until you have paid your 
   provision without regard to whether the provision deals with  minimum payment when due for six consecutive billing cycles. 
   a matter already addressed by this Agreement. 
                               14. Default/Collection Costs. You will be in default if you fail to    
   In certain circumstances, we are required by law to notify    pay any minimum payment by the time and date it is due, if you 
   you of changes to the terms of this Agreement, and in other  breach any other promise or obligation under this Agreement, if   
   circumstances we may not be required to do so. When  you become incapacitated or die, or if you ?le for bankruptcy.   
   required by law to advise you that you have a legal right to  Subject to applicable law, we may also consider you to be 
   reject any changes we make, we will provide an explanation  in default under this Agreement at any time if any statement 
   about how to do that.       made by you to us in connection with this Account or any other 
                               credit program with us was false or misleading; if we receive 
   In some circumstances, APRs or other aspects of your 
                               information indicating that you are bankrupt, intend to ?le 
   Account may change even though the terms of the Account 
                               bankruptcy, or are unable to pay your debts as they become due;   
   do not change, for example when the Prime Rate changes. 
                               or we receive information leading us to conclude that you are 
   3. Account Information: We request certain information about  no longer creditworthy. In evaluating your creditworthiness, you   
   you to manage your Account.This includes:  agree that we may rely on information contained in consumer 
   (1) your legal name;        reports, and in our discretion we may consider the amount of debt 
   (2) a valid mailing address and residential address (if different);  you are carrying compared to your resources or any other of your 
   (3) your date of birth;     credit characteristics, regardless of your performance on this 
   (4) your Social Security number or other government identi?cation  Account. In the event of default, subject to any right you may have 
    number;                    under applicable law, we may demand that you pay the entire 
   (5) your telephone and cell phone number(s);  unpaid balance due. If the Account is referred to an attorney, you 
   (6) your income information; and  agree to pay our reasonable attorney�s fees, but only to the extent   
   (7) your email address.     and in the amount permitted by applicable law, and court costs 
                               will also be recovered where permitted by applicable law. 
   If you change your contact information such as any mailing 
   address, telephone number or email address, you must notify us  15. Your Credit Limit and Canceling or Limiting Your Credit: 
   immediately in writing at the address shown on your Statement.  We will assign a credit limit to your Account. Your credit limit   
                               appears on your Statement. You are responsible for keeping track   
   We may obtain telephone and cell phone numbers, mailing  of your Account balance including any fees and interest charges 
   address and email address information from you, third parties,    and making sure it remains below your credit limit. We may but   
   caller ID and other sources. We may accept mailing address    are not required to authorize charges that go over your credit 
   corrections from the United States Postal Service, third parties  limit. You must pay any amount over your credit limit and you   
   and other sources.          must pay us immediately if we ask you to do so. This Agreement   
   4. Promise to Pay: In return for extending credit to you on this  applies to any balance over your credit limit. We may change or   
   Account from time to time, you agree to pay us for all goods and  cancel your credit limit without telling you ahead of time. If we do,   
   services you charge to this Account, plus any interest, fees and  it will not excuse you from your obligations to pay us. 
   other charges set forth below, according to the terms of this  You may close your Account at any time. We may require you   
   Agreement. If more than one person has applied for or is liable on  to provide a closure request in writing. Except as required by 
   this Account, then (a) each of you will be responsible for paying  applicable law, we may close your Account or suspend your 
   all charges incurred by either of you or anyone either of you  credit privileges or any feature on your Account at any time 
   permit to use this Account; (b) we can provide Statements and  for any reason, including Account inactivity, without notice. If     
   communications to any of you; and (c) notice to one of you will be  we close your Account or suspend your credit privileges or any 
   considered notice to all of you.  feature, we will not be liable to you for any consequences that 
   5. Authorized Users: If you ask us to issue a Card to any other    result. If you or we close your Account, you and any authorized 
   person, they are an �Authorized User.� We may require certain    users must stop using your Account immediately and destroy all 
   information about them. We may limit their ability to use your    cards or return them to us upon request. You will continue to be   
   Card. They may have access to certain information about your    responsible for charges to your Account according to the terms 
   Account. You will be responsible for paying all charges on your    of this Agreement. 
   Account made by an Authorized User, You agree to notify each    16. Credit Cards, Lost/Stolen Credit Cards and Liability for 
   Authorized User,at the time he or she becomes an Authorized  Unauthorized Use: If requested, you agree to return to us any 
   User, that we may receive, record, exchange and use information  card issued to you. If you lose or someone steals your card or 
   about him or her in the same manner we do with information  any other means to access your Account, or if you think someone   
   about you as described in this agreement.  has used your Account without your permission, you must tell us 
   If you want to remove an Authorized User from your Account, you  immediately. Call us at 1-800-564-5740 or write to us at: Kohl�s,   
   must contact us at the Customer Service telephone number on  ATTN: Credit Administrator, P.O. Box 3120, Milwaukee, WI 53201�  
   your Statement or on the back of your Card and request their  3120. Do not use your Account after you notify us. We may end   
   removal. They will be able to use your Account until you have    your credit privileges and close your Account if we consider it 
   noti?ed us that you are removing them from your Account. During    appropriate. You agree to provide us information to help us ?nd   
   this time, you will still be responsible for all amounts they charge  out what happened. You will not be liable for any unauthorized   
   to your Account. You will be responsible even if these amounts    use that occurs after you notify us. You may, however, be liable   
   do not appear on your Account until later. Authorized Users may    for unauthorized use that occurs before your notice to us. In any 
   remove themselves from your Account upon request. We reserve    case, your liability will not exceed $50. 
   the right to remove them from your Account. To remove them    17. Credit Information: We may obtain and use credit and 
   from your Account, we may close your existing Account and issue    income information about you from consumer (credit) reporting 
   a new Card with a new Account number.  agencies and other sources. We may report information about   
   6. When Effective: Your signature, including any electronic  you and your Account to credit reporting agencies. If you request 
   signature, on the application for this Account or on any sales  additional cards on your Account for others, we may report 
   receipt, or your use of this Account, is your consent to the terms  Account information in your name as well as in the names of 
   of this Agreement with us and your acknowledgement of delivery  those other people. If you think we have reported information to 
   of a copy of this Agreement to you. The information you provide    a credit reporting agency that is not correct, you may write to us   
   or have previously provided on the application that identi?es you  at: Kohl�s, ATTN: Credit Administrator, P.O. Box 3115, Milwaukee,    
   constitutes a part of this Agreement and is incorporated in it by  WI 53201-3115. Please include your name, address, Account   
   reference. For new Account applicants, this Agreement will not be  number, telephone number and a brief description of the problem 
   effective until we approve your application, and then, after that     and a copy of the credit reporting agency report if you have it. We   
   only if you or someone authorized by you charges a purchase to  will investigate the matter. If our investigation shows that you are 
   this Account.               right, we will contact each credit reporting agency to which we 
                               reported the information and will request they correct the report.   
   7. Billing Cycle, Paying Interest, Variable Rates, Annual  If we disagree with you after our investigation, we will tell you in   
   Percentage Rates (�APR�), Minimum Interest Charge,  writing or by telephone.   
   Promotional Credit Plans: 
                               18. Credit Balances: You may request a refund of any credit 
   Billing Cycle/Statements. In order to manage your Account, we    balance at any time. Otherwise, we will apply it to any new 
   divide time into periods called billing cycles. Each billing cycle    charges on your Account or provide the refund to you as required 
   is approximately one month in length. For each calendar month  by law. 
   your Account will have a billing cycle ending in that month. We   
   will provide a billing statement (�Statement�) each month one  19. Credit Marketing: If you are eligible to receive Kohl�s Charge    
   is required by applicable law. Your Account will have a billing    print marketing offers, Kohl�s may, in its discretion, suspend your   
   cycle ending in each calendar month whether or not there is a  offers under the following circumstances, without limitation: (i) 
   Statement for that billing cycle.  your Account has limited activity or becomes inactive for a period 
                               of time; (ii) your Account becomes past due and you do not make 
   Paying Interest. We begin assessing periodic interest charges    it current for a period of time. Our print marketing offers cannot 
   on a transaction, fee, or interest charge from the date it is added  be sent to addresses outside of the United States or Canada or to 
   to your daily balance as described in this Agreement until your  military addresses. Our offers will not be forwarded by the postal 
   Account is paid in full. You can avoid periodic interest charges on    service, so you must contact us to update your address after 
   new purchases, provided you have paid your statement�s entire  moving in order to continue receiving offers. If you need to update   
   New Balance (excluding balances on any Special Repayment  your address or any of your contact information or would like to 
   Term Reduced APR Credit Plan) in full by the due date each month  opt-out of receiving our print marketing offers, please call the 
   (see Promotional Credit Plans). Your due date is at least 25 days    customer service telephone number on your card or statement. 
   after the close of each billing cycle.   
                               20. Communications: You agree that we may communicate   
   Variable Rate. The APR for Purchases may vary with changes to    with you by mail, telephone, email, fax, prerecorded message, 
   the Prime Rate. We calculate a variable APR by adding a margin    automated voice, text message, or other means allowed by law 
   to the Prime Rate published in The Wall Street Journal on the last  regarding your Account. You authorize us, or anyone acting on   
   business day of March, June, September and December. The APR    our behalf, to call or send a text message to any number you 
   calculated in this way will be effective as of the ?rst day of the  provide or to any number where we reasonably believe we can 
   billing cycle that begins in the following month.  contact you. These include calls to mobile, cellular, or similar   
   APR for Purchases. The Prime Rate plus 21.74%, currently     devices, and calls using automatic telephone dialing systems 
   26.49% (monthly periodic rate 2.21%). The APR and monthly     and/or prerecorded messages. We may also send an email to any   
   periodic rate stated are estimates based on the 4.75% Prime Rate.  address where we reasonably believe we can contact you. You   
                               agree that we may monitor or record any conversation or other 
   Promotional Credit Plans. From time to time, we may offer one 
                               communication with you. 
   or more Promotional Credit Plans prior to or at the time of your 
   purchase. Only certain purchases may be eligible for Promotional  21. Established Business Relationship: You further agree 
   Credit Plans. These plans may have special repayment terms and    that you have an established business relationship with us and 
   are conditioned on your timely payment of at least the required  with Kohl�s and that we both may contact you from time to time 
   payment amount each billing cycle: a.) Reduced Rate Credit    regarding your Account and products and services that we or 
   Plan - With this plan, you will receive a reduced APR on your  Kohl�s believes may be of interest to you. You agree that all such   
   purchase for a speci?ed period; b.) Special Repayment Term  contacts are not unsolicited and may be monitored to assure 
   Reduced APR Credit Plan - with this plan, a special repayment  quality service. 
   term will be applied to the reduced APR Promotional Credit Plan  22. GOVERNING LAW: THE TERMS AND ENFORCEMENT OF 
   purchase for the speci?ed period.  THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED 
   If you make more than one purchase on your card, the balances for  AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, 
   the Promotional Credit Plan purchases may be treated differently  TO THE EXTENT STATE LAW APPLIES, THE LAW OF VIRGINIA,   
   than other balances. We will advise you if your participation in    WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW   
   certain program features limits your eligibility for any Promotional  OF VIRGINIA, WHERE YOUR ACCOUNT AND WE ARE LOCATED, 
   Credit Plan.                WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. 
   Minimum Interest Charge. We may charge no less than the    23. Assignment: We may assign your Account, any amounts you 
   minimum interest charge of $1.00 if any periodic interest is due  owe us, or any of our rights and obligations under this Agreement 
   for a billing cycle.        to a third party. The person to whom we make the assignment will   
                               be entitled to any of our rights that we assign to that person. You   
   8. Periodic Interest Charge Calculation � Average Daily 
                               may not assign this Account. 
   Balance (Including New Purchases): We ?gure the periodic 
   interest charges on your Account by applying the applicable  24. Enforcing this Agreement: We can delay enforcing or not 
   monthly periodic rates to the �average daily balance� of your  enforce any of our rights under this Agreement without losing 
   Account (including current transactions). To get the �average daily    our right to enforce them in the future. If any of the terms of this 
   balance� for each balance type (balances on Promotional Credit  Agreement are found to be unenforceable, all other terms will 
   Plans and balances for other amounts), we take the beginning  remain in full force. 
   balance of each applicable balance type each day, add any new  25. Military Lending Act (MLA) 
   purchases, unpaid interest charges, fees, other charges and 
   debit adjustments, then subtract any payments, credits or credit  Federal law provides important protections to members of the 
   adjustments. This gives us the daily balances. Then, we add up      Armed Forces and their dependents relating to extensions 
   all the daily balances for each balance type and divide the total by  of consumer credit. In general, the cost of consumer credit to 
   the number of days in the billing cycle. This gives us the �average    a member of the Armed Forces and his or her dependent may 
   daily balance� for each balance type.    not exceed an annual percentage rate of 36 percent. This rate   
                               must include, as applicable to the credit transaction or account,    
   On the ?rst day of each billing cycle we add to the daily balance  the costs associated with credit insurance premiums; fees for 
   the unpaid periodic interest charges from the prior billing cycle (in  ancillary products sold in connection with the credit transaction; 
   this way we compound interest on a monthly basis). Purchases  any application fee charged (other than certain application 
   and fees are added to your daily balance as of the transaction  fees for speci?ed credit transactions or accounts); and any 
   date or a later date of our choice.  participation fee charged (other than certain participation fees for 
   9. Payments:                a credit card account). 
   Minimum Payment. You must make your minimum payment in a    To hear this same disclosure and a general description of your 
   way that we receive it by the time and date it is due.The minimum    payment obligations for this credit card account, please call us 
   payment for your Account includes the minimum payment due  toll-free at: 1-888-832-0059. 
   on each Credit Plan. You may make payments greater than your    During any period in which the Military Lending Act (�the Act�) 
   required minimum payment. This will reduce the interest charges    applies to you, no provision of your Cardholder Agreement that 
   that are added to your Account.    is inconsistent with the Act shall apply and your Cardholder 
   Your minimum payment will be the larger of: i) $27 (or total  Agreement shall be interpreted to comply with the Act.   
   amount you owe if less than $27); or ii) the sum of 1% of the  Your Cardholder Agreement shall be interpreted to comply with 
   New Balance (which does not include balances on any Special  the Military Lending Act, including the Military Lending Act�s 
   Repayment Term Reduced APR Promotional Credit Plan), plus  restrictions on permissible loan terms and limitations on interest 
   the periodic interest charges, plus any amount required under    and fees for customers covered by the Military Lending Act. Any   
   any Special Repayment Term Reduced APR Promotional Credit  excess interest or fees charged or excess amounts collected 
   Plan, plus any penalty fees billed on the Statement for which your  shall be credited or refunded. No provision of your Cardholder 
   minimum payment is calculated. We will also add any amount    Agreement that is inconsistent with the Military Lending Act shall 
   past due to your minimum payment. In addition to the minimum  apply. 
   payment, you may pay all or part of the total balance on your 
   Account. But, you must still pay at least the minimum payment  26. FOR INFORMATION: For information about your Account, 
   amount each month, even if you paid more than the minimum    please call the customer service telephone number on the 
   payment due on the previous Statement.    back of your card or monthly statement, or write us at Kohl�s,   
                               Attn: Credit Administrator, P.O. Box 3120, Milwaukee, WI.    
   How We Apply Your Payments. In each billing cycle, we 
   generally apply payments up to your minimum payment amount  YOUR BILLING RIGHTS: Keep this Document for Future Use 
   to satisfy the minimum payment due on each Credit Plan, ?rst to  This notice tells you about your rights and our responsibilities 
   the highest APR Credit Plan balance and then to lower APR Credit  under the Fair Credit Billing Act. 
   Plan balances. We will apply any part of your payment exceeding   
   your minimum payment ?rst to the balance with the highest APR,    WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT 
   and then to balances with lower APRs.  If you think there is an error on your statement, write to us on a 
   Payment Instructions. You agree to pay us amounts you owe    separate sheet at the �Send Inquiries To� address shown on your 
   in U.S. dollars. You must use a check, money order or electronic    billing statement. 
   debit drawn on a U.S. bank or a foreign bank branch in the U.S.    In your letter, give us the following information:   
   We will not accept cash payments through the mail. When we   
                                � Account information: Your name and account number.    
   receive or apply a payment, we might not restore your credit line 
   by that amount for up to 15 days.  � Dollar amount: The dollar amount of the suspected error.     
   For mailed payments, your Statement and the envelope it comes  � Description of problem: If you think there is an error on your   
   in give you instructions about how, when and where to make  bill, describe what you believe is wrong and why you believe 
   your payments. You must follow these instructions. Your payment     it is a mistake. 
   will not be credited to your Account before we receive it at the 
                               You must contact us:   
   address we specify for receipt of payments and in accordance 
   with the payment instructions.    � Within 60 days after the error appeared on your statement.    
   Payments made in store by close of business will be credited as     � At least 3 business days before an automated payment is 
   of date payment was received.  scheduled, if you want to stop payment on the amount you 
                                 think is wrong.   
   If you make a payment marked as paid in full or indicate that it 
   is to pay all amounts you owe us, you must send that payment to      You must notify us of any potential errors in writing. You may call 
   the special address on the back of your Statement. That address    us, but if you do we are not required to investigate any potential 
   is called the �Conditional Payments� address. We may accept a    errors and you may have to pay the amount in question. 
   conditional payment and not agree that it pays all amounts you  WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER 
   owe on your Account. Also, we may return a conditional payment   
   to you and you will still owe us the amount of the payment or any  When we receive your letter, we must do two things: 
   other amounts owed on your Account.      1. Within 30 days of receiving your letter, we must tell you 
   You authorize us to collect any payment check either electronically  that we received your letter. We will also tell you if we have   
   or by draft. We can collect your payment checks electronically by    already corrected the error. 
   sending the check number, check amount, account and routing  2. Within 90 days of receiving your letter, we must either correct    
   numbers to your bank. Or we can collect these checks by sending  the error or explain to you why we believe the bill is correct. 
   a draft drawn on your bank account. Funds may be taken from 
   your bank account on the same day we receive your payment. We    While we investigate whether or not there has been an error:   
   will not keep your original check, just a copy of it.  � We cannot try to collect the amount in question, or report you   
   You may use our optional services to make payments  as delinquent on that amount.   
   electronically through our website, our automated telephone      � The charge in question may remain on your statement, and 
   service or our customer service advisors. You do not have to use    we may continue to charge you interest on that amount.   
   these other payment services, and we may charge you a fee for 
    1                                                 CMA-01/20 
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    � While you do not have to pay the amount in question, you are    YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT 
     responsible for the remainder of your balance.    CARD PURCHASES 
    � We can apply any unpaid amount against your credit limit.  If you are dissatis?ed with the goods or services that you have 
                               purchased with your credit card, and you have tried in good faith 
   After we ?nish our investigation, one of two things will happen:   
                               to correct the problem with the merchant, you may have the right 
    � If we made a mistake: You will not have to pay the amount in     not to pay the remaining amount due on the purchase. 
     question or any interest or other fees related to that amount.   
                               To use this right, all of the following must be true:   
    � If we do not believe there was a mistake: You will have to    
                                    1. The purchase must have been made in your home state 
     pay the amount in question, along with applicable interest 
                                 or within 100 miles of your current mailing address, and 
     and fees. We will send you a statement of the amount you   
                                 the purchase price must have been more than $50. (Note: 
     owe and the date payment is due. We may then report you   
                                 Neither of these are necessary if your purchase was based 
     as delinquent if you do not pay the amount we think you owe. 
                                 on an advertisement we mailed to you, or if we own the   
   If you receive our explanation but still believe your bill is wrong,    company that sold you the goods or services.) 
   you must write to us within 10 days telling us that you still refuse 
                                    2. You must have used your credit card for the purchase. 
   to pay. If you do so, we cannot report you as delinquent without 
                                 Purchases made with cash advances from an ATM or with a 
   also reporting that you are questioning your bill. We must tell you   
                                 check that accesses your credit card account do not qualify.   
   the name of anyone to whom we reported you as delinquent, and 
   we must let those organizations know when the matter has been  3. You must not yet have fully paid for the purchase.    
   settled between us. 
                               If all of the criteria above are met and you are still dissatis?ed 
   If we do not follow all of the rules above, you do not have to  with the purchase, contact us in writing on a separate sheet at 
   pay the ?rst $50 of the amount you question even if your bill is  the �Send Inquiries To� address shown on your billing statement. 
   correct. 
                               While we investigate, the same rules apply to the disputed 
                               amount as discussed above. After we ?nish our investigation, we   
                               will tell you our decision. At that point, if we think you owe an   
                               amount and you do not pay, we may report you as delinquent. 
                               Copyright �2020 Capital One. All rights reserved.   
                                                  Rev. 09/2019 
                           �
    FACTS  WHAT DOES CAPITAL ONE  DO WITH YOUR PERSONAL INFORMATION? 
         Financial companies choose how they share your personal information. Federal   
         law gives consumers the right to limit some but not all sharing. Federal law   
    Why? 
         also requires us to tell you how we collect, share and protect your personal   
         information. Please read this notice carefully to understand what we do. 
         The types of personal information we collect and share depend on the product 
         or service you have with us. This information can include: 
    What?   � Social Security number and income 
            � Account balances and payment history 
            � Account transactions and credit card or other debt 
         All ?nancial companies need to share customers� personal information to run 
         their everyday business. In the section below, we list the reasons ?nancial 
    How? 
         companies can share their customers� personal information; the reasons 
         Capital One chooses to share; and whether you can limit this sharing. 
           Reasons we can share your   Does Capital  Can you limit 
              personal information     One share?  this 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 and   
                                          Yes       No 
   services to you 
   For joint marketing with other ?nancial companies 
                                          Yes       No 
   For our af?liates� everyday business purposes �   
                                          Yes       No 
   information about your transactions and experiences 
   For our af?liates� everyday business purposes �   
                                          Yes       Yes 
   information about your creditworthiness 
   For nonaf?liates to market to you 
                                          Yes       Yes 
            Call 1-800-564-5740 for customer service. 
            Please note: If you are a new customer, we can begin sharing your   
    To limit 
            information 30 days from the date we sent this notice. When you are no   
    our sharing 
            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. 
            Call 1-800-564-5740 or go to http://www.kohlscorporation.com/ 
    Questions?  customer_service/mykc/mykc.html 
    Page 2 
    Who we are 
    Who is providing this  This notice is provided by Capital One with respect to your 
    notice?        Kohl�s credit card. 
    What we do 
    How does Capital  To protect your personal information from unauthorized 
    One protect    access and use, we use security measures that comply with 
    my personal    federal law. These measures include computer safeguards and 
    information?   secured ?les and buildings. 
    How does Capital  We collect your personal information, for example, when you 
    One collect 
                   � Open an account or give us your contact information 
    my personal 
                   � Use your credit or debit card or pay your bills 
    information? 
                   � 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  Federal law gives you the right to limit only 
    sharing? 
                   � 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  Your choices will apply to everyone on your account. 
    I limit sharing for an 
    account I hold jointly 
    with someone else? 
    De?nitions 
    Af?liates      Companies related by common ownership or control. They 
                   can be ?nancial or non?nancial companies. 
                   � Our af?liates include ?nancial companies with the Capital 
                   One, Chevy Chase, Paribus, Wikibuy and Greenpoint names, 
                   such as Capital One Bank(USA), National Association; and 
                   Capital One National Association 
    Nonaf?liates   Companies not related by common ownership or control. They 
                   can be ?nancial and non?nancial companies. 
                   � Nonaf?liates we share with can include insurance companies, 
                   service providers, retailers, data processors, and advertisers. 
    Joint marketing  A formal agreement between nonaf?liated ?nancial companies 
                   that together market ?nancial products or services to you. 
                   � Our joint marketing partners include companies such as 
                   insurance companies 
    Other important information 
    CA and VT Residents: We will not share your information with companies outside of 
    Capital One, except for our everyday business purposes, for marketing our 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 and does   
    not apply to any other accounts you have with the Capital One family of companies. 
   � 2019 Capital One. Capital One is a federally registered service mark. 
  202997 Cardmember Agreement 0120.indd   2          12/26/19   9:32 AM