I have read and agree to all the terms, conditions, authorizations, and disclosures included with the Credit Application, including those within the Account Opening Disclosures, Cardmember Agreement and Credit Card Privacy Policy.

I filled out the Credit Application and acknowledge that everything I stated on the Credit Application is true and correct.

I have been given an electronic copy of the Kohl's Account Opening Disclosures, Cardmember Agreement and Credit Card Privacy Policy, which I understand will govern my account, if approved, and I acknowledge that I have read it before using my account.

I agree that Kohl's and Capital One may share information about me and my account(s).

I acknowledge that, regardless of whether I use a web browser with security features, Kohl's and Capital One are unable to ensure that the data will not be intercepted by third parties. Kohl's and Capital One will not be held liable should such an interception occur.

I agree that I am consenting to receive by electronic means only, including through the email address provided above, the Account Opening Disclosures, Cardmember Agreement and Credit Card Privacy Policy. I understand that these materials may not be available in any paper or non-electronic form, so if I would like to retain a copy for my record, I may print or download these disclosures. I understand that I may not be able to print or save from my mobile device important information regarding rates, fees and other costs, but if I am approved, this information will be sent to me at the email address provided above prior to the receipt of my credit card. I understand that to access and retain these electronic disclosures I must have or have access to equipment that allows me to access and view email messages and PDF files, and that supports the latest W3C HTML/DOM recommendations and 128 bit SSL encryption. I understand that if I do not wish to consent to receive these disclosures electronically, I may not apply online.

I understand that I am consenting to receive marketing materials via the provided email address and I have the right to opt out of these communications.

I authorize the creditor to verify my application information and check my credit history.

I expressly authorize Capital One, N.A. and Kohl's Department Stores, Inc. and its affiliates ("Kohl's") to exchange information about myself so that I can receive the benefits of the Kohl's Charge program and so that Kohl's can inform me of additional information, offers and opportunities.

I agree that an email alert regarding my account, including account opening disclosures, may be sent to the email address provided on my application.