1. SAFE. SIMPLE.
SAVINGS.
RELIABLE FINANCIAL PRODUCTS
BACKED BY PROVIDERS YOU TRUST
SPECIAL
• Credit and Gift Cards KROGER
• In-Store Money Services ASSOCIATE
• Identity Theft Protection OFFERS
• Insurance
1 2 3 REWARDS® MASTERCARD®
1-2-3
Earn FREE groceries and big fuel discounts at our • Earn FREE groceries with every purchase outside
our stores with1 point per $1 spent anywhere
stores with the 1-2-3 REWARDS MasterCard! MasterCard® is accepted1
Use it for all your purchases, inside and • Earn double rewards in our stores with 2 points
outside of our stores, and watch your for every $1 spent
rewards add up fast! • In addition to your employee discount, you earn
3 points for every $1 spent on Corporate Brands
• Save an additional 5¢ discount at our
Learn more or apply today at Fuel Centers2
www.krogerpersonalfinance.com
$10
SPECIAL ASSOCIATE OFFER FOR 1-2-3 REWARDS® MASTERCARD® Gift Carda
when you apply for
Receive a $10 Kroger Gift Card when you apply for the 1-2-3 REWARDS MasterCard 1-2-3 REWARDS
MasterCard
online at www.krogerpersonalfinance.com
Simply complete, detach, and mail this form to qualify for your $10 Gift Card:
Name:
Be sure to return this form to:
Address:
Kroger Personal Finance
City: State: ZIP: Attn: $10 Gift Card Fulfillment
Phone: 1014 Vine Street
Cincinnati, OH 45202
Loyalty Card #:

2. PRIVACYGUARD
Provided By:
IDENTITY THEFT PROTECTION 3
Identity thieves can damage your credit and • Get your Triple-Bureau credit score – anytime
your good name by using your personal • CreditXpert “What-If” Simulator
information. Stay in control of your • Earn Double Rewards Points when you pay
financial health and protect yourself with your 1-2-3 REWARDS M t C d
ith 123 MasterCard
• Only $1 for the first month
from one of the fastest growing plus a $20 Kroger Gift Card4
crimes in America. Just
For
F more iinformation, call 1 800 395 9810 or
f ti ll 1-800-395-9810
0
$ 5 99
month!
.
per
visit www.privacyguard.com/krogerassociate
Provided By:
PET INSURANCE5 • Save up to 100% on your vet bills
A smart way to cover pet illnesses and
y p with Accident coverage.
• C ll or go online for other great plans
Call li f h l
accidents, and even routine visits. • A great gift for family and friends
Visit any veterinarian nationwide, • Coverage for annual exams, surgery,
use our fast and easy claim Starting at
teeth cleaning & more!
process, and get your • Earn Double Rewards Points when you
reimbursement in as little
as two weeks.
$ .96
month!
p
per 8 pay with your 1-2-3 REWARDS MasterCard
• 10% Kroger A
K Associate Discount
i t Di t
on pet insurance premiums
For more information, call 1-866-710-7387 or plus a $10 Kroger Gift Card
visit krogerpersonalfinance.com
Use Promotional Code: 99-99-20-5501
MORE VALUE FOR THE WAY YOU LIVE
Kroger Personal Finance is the financial services partner for the Kroger Family of Stores. We’re proud to
team up with respected financial services providers to offer you a wide range of affordable financial products.
It’s our goal to simplify the way you shop for financial services and connect you with products that deliver real
value for the way you live today! We hope you’ll enjoy the combination of savings, security and exceptional
service that our products provide.
Explore all the Kroger Personal Finance products today at krogerpersonalfinance.com
1. Excludes purchases made at Kroger-owned Fuel Centers.
2. Fuel discount effective for a limited time only at participating Kroger Family of Stores Fuel Center locations. Fuel discount requires minimum spend in qualifying purchases at Kroger Family of Stores. Purchases made at
Kroger Family of Stores Fuel Centers do not earn Rewards points. See store receipt for details. Offer not valid with any other discount offers. Please see stores for fuel discount details and in-store spending requirements.
Discounts and spend requirements vary by location. Not valid in AL, LA, MO or where p
p q y y , , prohibited by law.
y
3. PrivacyGuard is a service provided by Trilegent Corporation in conjunction with Alliance Marketing Association. The PrivacyGuard service may be modified or improved at any time and without prior notice. PrivacyGuard is a
service mark of Trilegent Corporation. PrivacyGuard and Credit Alert are registered service marks of Affinion Publishing, LLC. What-If Simulator is a trademark of CreditXpert. © 2009 Trilegent Corporation.
4. If you decide not to keep your PrivacyGuard privileges beyond this one-month-for-$1 trial, simply call 1-866-838-7138 toll-free to cancel. Unless you call to cancel during your one-month trial period, your membership
will be automatically continued at the $5.99 monthly membership fee, or then-current fee, billed to the account you provide, without you having to do anything further. Your satisfaction is guaranteed. You may call 1-866-
838-7138 toll-free to cancel anytime and owe nothing additional. To receive your $20 Kroger Gift Card, simply return the form included in your membership materials.
5. Featured price includes 10% associate discount. A co-payment may apply to some coverage plans. Routine care coverage is a policy endorsement and included in the Preferred and Basic plans. $50 per incident
deductible on accident and illness only. Annual payment and plans for senior pets are also available. Please call or go online for specific plan details. This is a brief description of Pet Insurance. Please see the policy or view
the website for more details, including costs, limitations and exclusions. Underwritten by American Alternative Insurance Corporation (AAIC), 555 College Road East, Princeton, NJ 08543, AM Best rating A+ (superior). AAIC
is a subsidiary of Munich Re America Corporation, an affiliate of Munich Reinsurance America, Inc.