INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases	27.24%a This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases	Your due date will be a minimum of 25 days following the close of each billing 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 Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

FEES
Annual Fee	None
Penalty Fees Late Payment Returned Payment	Up to $38 Up to $38

How We Will Calculate Your Balance: 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 5.50% Prime Rate.
  a. We add 21.74% to the Prime Rate to determine the Purchase APR (monthly periodic rate currently 2.27%).

The information about the costs of the credit card account described above is accurate as of January 1, 2019. 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 from Capital One, N.A. ("Capital One","we", or "us"), you agree to the following:
1. You authorize us to obtain credit bureau reports in connection with your request for an account. If an account is opened, we may obtain credit bureau reports in connection with extensions of credit or the review or collection of your account. If you ask, we will tell you the name and address of each credit bureau from which we obtained a report about you.
2. You are providing information in this application to Capital One and to Kohl’s. Capital One may provide information about you (even if your application is declined) to Kohl’s so that they can create and update their records, and provide you with services and special offers.
3. By using the account or any card, or authorizing their use, you agree to the terms of the Cardmember Agreement. If you open your account in a Kohl’s store you acknowledge receipt of this disclosure and a copy of the Cardmember Agreement before your first purchase.
4. As described in the Cardmember Agreement, we reserve the right to change the terms of your account (including the APRs) at any time, for any reason.
5. We will review your credit history to determine if you qualify for an account and, if so, your credit line. Based on this review, you may not receive a card.
6. You must be at least 18 years old to qualify (19 in AL and NE).
7. You acknowledge that you must provide additional information electronically, including income. Alimony, child support or separate maintenance income need not be revealed if you do not wish it to be considered as a basis for repaying this obligation.
8. You acknowledge that you have read and agree to be bound by the important rate and fee disclosures and the terms stated under this Authorization and the Cardmember Agreement section of the disclosures attached to this form. You agree that we may verify your information, check your credit history and secure follow-up credit reports on you.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all customers, and that credit reporting agencies maintain separate histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law.

New York and Vermont Residents: Capital One may obtain at any time your credit reports, for any legitimate purpose associated with the account or the application or request for an account, including but not limited to reviewing, modifying, renewing and collecting on your account. On your request, you will be informed if such a report was ordered. If so, you will be given the name and address of the consumer reporting agency furnishing the report. New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees and grace periods.
New York State Department of Financial Services - 1-877-226-5697 or http://www.dfs.ny.gov/consumer/creditdebt.htm

California Residents:
Applicants: 1) may, after credit approval, use the credit card account up to its credit limit; 2) may be liable for amounts extended under the plan to any joint applicant. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement or court decree adversely affects our rights, unless you give us a copy of such agreement, statement or court order before we grant you credit, or we have actual knowledge of the adverse obligation. All obligations on this account will be incurred in the interest of your marriage or family. You understand that we may be required to give notice of this account to your spouse.

Married Wisconsin residents must furnish their (the applicant's) name and social security number as well as the name and address of their spouse to Kohl's, PO Box 3120, Milwaukee, WI 53201.

Omission of any information requested on the application may be reason for denial of an account.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

01/19