Ralphs 1-2-3 REWARDS MasterCard®

You are automatically enrolled in the 1-2-3 REWARDS Program when your Account is opened. You earn between 1-5 points on net purchases made with your 1-2-3 REWARDS MasterCard.® Accumulated points are exchanged for 1-2-3 REWARDS Certificates. Your 1-2-3 REWARDS Certificates are redeemable by you for purchases at the Kroger Family of Stores.* There are no limits on the amount of Reward points you can earn. Your Reward points will be awarded quarterly (in February, May, August and November) in $10 increments, if your Account is in good standing. Reward points are earned as follows:

• 1 point per dollar spent All Purchases outside Kroger Family of Stores*
• 2 points per dollar spent All Purchases inside Kroger Family of Stores* and fuel centers
• 3 points per dollar spent All Purchases of Kroger Family of Stores Own Brand Products*

When you use your 1-2-3 REWARDS MasterCard® to purchase Kroger Family of Stores Own Brand Products in one of the Kroger Family of Stores, you will receive a total of 5 points for every dollar of Purchases.