Kroger 2008 Annual Report Download - page 36

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The Kroger Co. Page 35
KROGER PERSONAL FINANCE
Another unique competitive advantage for Kroger is
Kroger Personal Finance® (“KPF”). Through KPF, we
offer safe, simple financial products and services at
competitive rates.
The cornerstone of our offering is the 1-2-3 REWARDS® MasterCard®, a
points-based card that rewards customers for everyday purchases.
Incremental points are earned for purchases in the Kroger family of stores
and for purchases of Kroger’s corporate brand products. Customers also
receive up to 15 cents per gallon off their qualified gasoline purchases at
Kroger fuel centers in certain markets.
KPF offers many other personal financial products – including various types
of insurance (car, home, renters, life, pet, and specialty), mortgages, home
equity lines, identity theft protection, in-store money services, and a full line
of gift card products at the One Stop Gift Card Shop. We consider these
services to be an extension of Kroger’s overall “Customer 1st” strategy.