April 2019 Statement Page 1 of 3

10101010101010101010
10110010011111000011
10101100000110010010
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10101000000011010010
Open Date: 03/15/2019 Closing Date: 04/12/2019 Account: 5392 7700 0753 9870
10000101001101011001
10010000000010111100
10010011100001110101
11001100001100110110
11001010011100100101
10010000111001110000
11111001100000111101
10000010110010111000
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10001000101101000000
10010111011001010001
10110100100101101100
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10011011101110100010
11111111111111111111
Kroger 1-2-3 REWARDS® World Mastercard® Cardmember Service 1-844-237-0593
NICOLE THOMAS BNK 27 KPF 8 9

New Balance $9,993.99 Activity Summary

Minimum Payment Due $233.00 Previous Balance + $10,110.44
Payment Due Date 05/10/2019 Payments - $250.00CR
Other Credits $0.00
Late Payment Warning: If we do not receive your Purchases $0.00
minimum payment by the date listed above, you may have
Balance Transfers $0.00
to pay up to a $38.00 Late Fee.
Advances $0.00
Other Debits $0.00
Minimum Payment Warning: If you make only the minimum
Fees Charged $0.00
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example: Interest Charged + $133.55
If you make no You will pay off And you will New Balance = $9,993.99
additional charges the balance shown end up paying Past Due $0.00
using this card and on this statement an estimated Minimum Payment Due $233.00
each month you in about... total of...
pay... Revolving Line of Credit $15,000.00
Only the minimum 18 years $21,726 Revolving Line Available $5,006.01
payment Days in Billing Period 29
$354 3 years $12,779
(Savings=$8,947) Reward Points
Earned This Statement 0
If you would like information about credit counseling services, Points Available 630
call 866-951-1391. For details, see your rewards summary.

Payment Mail payment coupon Pay online at Pay by phone Pay at your local
Options: with a check KrogerMastercard.com 1-844-237-0593 U.S. Bank branch

Please detach and send coupon with check payable to: U.S. Bank

2352785400059412490000233000009993998
Account Number 5392 7700 0753 9870
Payment Due Date 5/10/2019
24-Hour Cardmember Service: 1-844-237-0593 New Balance $9,993.99
Minimum Payment Due $233.00
. to pay by phone
. to change your address
Amount Enclosed $
000021324 01 AB 0.412 000638046888716 P Y
U.S. Bank
NICOLE THOMAS
3094 E DUBLIN PIKE P.O. Box 790408
NEW CASTLE IN 47362-9506 St. Louis, MO 63179-0408
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What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, please call us at the telephone number on the front of this statement, or write to us at:
Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335.
In your letter or call, give us the following information:
u Account information: Your name and account number.
u Dollar amount: The dollar amount of the suspected error.
u Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us within 60 days after the error appeared on your statement. While we investigate whether or not there has been an error,
the following are true:
u We cannot try to collect the amount in question, or report you as delinquent on that amount.
u The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine
that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
u While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
u We can apply any unpaid amount against your credit limit.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the
problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must
have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we
own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses
your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Cardmember Service, P.O. Box
6335, Fargo, ND 58125-6335
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our
decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent.
Important Information Regarding Your Account
1. INTEREST CHARGE: Method of Computing Balance Subject to Interest Rate: We calculate the periodic rate or interest portion of the
INTEREST CHARGE by multiplying the applicable Daily Periodic Rate ("DPR") by the Average Daily Balance ("ADB") (including new
transactions) of the Purchase, Advance and Balance Transfer categories subject to interest, and then adding together the resulting interest
from each category. We determine the ADB separately for the Purchases, Advances and Balance Transfer categories. To get the ADB in
each category, we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the
billing cycle. We determine the daily balances each day by taking the beginning balance of those Account categories (including any billed but
unpaid interest, fees, credit insurance and other charges), adding any new interest, fees, and charges, and subtracting any payments or
credits applied against your Account balances that day. We add a Purchase, Advance or Balance Transfer to the appropriate balances for
those categories on the later of the transaction date or the first day of the statement period. Billed but unpaid interest on Purchases, Advances
and Balance Transfers is added to the appropriate balances for those categories each month on the statement date. Billed but unpaid
Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account. Any billed but
unpaid fees on Purchases, credit insurance charges, and other charges are added to the Purchase balance of the Account on the date they
are charged to the Account. Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the
date they are charged to the Account. In other words, billed and unpaid interest, fees, and charges will be included in the ADB of your
Account that accrues interest and will reduce the amount of credit available to you.To the extent credit insurance charges, overlimit fees,
Annual Fees, and/or Travel Membership Fees may be applied to your Account, such charges and/or fees are not included in the ADB
calculation for Purchases until the first day of the billing cycle following the date the credit insurance charges, overlimit fees, Annual Fees
and/or Travel Membership Fees (as applicable) are charged to the Account. Prior statement balances subject to an interest-free period that
have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation.
2. Payment Information: You must pay us in U.S. Dollars with checks or similar payment instruments drawn on a financial institution located
in the United States. We will also accept payment in U.S. Dollars via the Internet or phone or previously established automatic payment
transaction. We may, at our option, choose to accept a payment drawn on a foreign financial institution. However, you will be charged and
agree to pay any collection fees required in connection with such a transaction. The date you mail a payment is different than the date we
receive that payment. The payment date is the day we receive your check or money order at U.S. Bank National Association, P.O. Box
790408, St. Louis, MO 63179-0408 or the day we receive your electronic or phone payment. All payments by check or money order
accompanied by a payment coupon and received at this payment address will be credited to your Account on the day of receipt if received by
5:00 p.m. CT on any banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be
processed within 5 banking days of receipt and credited to your Account on the day of receipt. In addition, if you mail your payment without a
payment coupon or to an incorrect address, it may result in a delayed credit to your Account, additional INTEREST CHARGES, fees, and
possible suspension of your Account. Internet and telephone payment options are available, and crediting times vary (but generally must be
made before 5:00 p.m. CT to 8 p.m. CT depending on what day and how the payment is made). If you are making an internet or telephone
payment, please contact Cardmember Service for times specific to your Account and your payment option. Banking days are all calendar
days except Saturday, Sunday and federal holidays. Payments due on a Saturday, Sunday or federal holiday and received on those days will
be credited on the day of receipt. There is no prepayment penalty if you pay your balance at any time prior to your payment due date.
3. Credit Reporting: We may report information on your Account to Credit Bureaus. Late payments, missed payments or other defaults on
your Account may be reflected in your credit report.
 April 2019 Statement 03/15/2019 - 04/12/2019 Page 2 of 3
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NICOLE THOMAS Cardmember Service 1-844-237-0593
10000101001101010001
10010000000011101100
10010100100110100111
11001100001101111110
11001010010110011101
10010000110101111000
11111000110111100101
10000010000001110000
10100111010011001111
10001011011110101100
10001100101111111111
10110000100011010010
11000011011101100101
10011010001110100010
11111111111111111111

1-2-3 REWARDS® Summary

Points Available Last Statement 630
Redemption Activity 0
Points Earned This Statement
Earned Points for In-Store Spend 0
Earned Points for Our Brand Spend 0
Earned Points for Out-of-Store Spend 0
Total Earned 0

Points Available 630

Points Earned Year to Date 273

Quarterly rewards are mailed in February, May, August and November.

Important Messages
Paying Interest: You have a 24 to 30 day interest-free period for Purchases provided you have paid your
previous balance in full by the Payment Due Date shown on your monthly Account statement. In order to
avoid additional INTEREST CHARGES on Purchases, you must pay your new balance in full by the
Payment Due Date shown on the front of your monthly Account statement.
There is no interest-free period for transactions that post to the Account as Advances or Balance Transfers
except as provided in any Offer Materials. Those transactions are subject to interest from the date they post
to the Account until the date they are paid in full.
If you believe we have inaccurately reported information to any Consumer Reporting Agency, you may
submit a dispute by writing to us. In order for us to assist you with your dispute, you must provide your
name, address, phone number, account number, the specific information you are disputing, the explanation
of why it is incorrect, and any supporting documentation (e.g., affidavit of identity theft), if applicable, to:
U.S. Bank National Association
Consumer Recovery Department
Attn: CBR Disputes
P.O. Box 108
St Louis, MO 63166-0108
Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert
that payment into an electronic debit. If the check is processed electronically, the checking account will be
debited for the amount on the check and the debit will appear on your account statement. If you have any
questions, please contact us at the Inquiries phone number located on this statement.

Transactions
Payments and Other Credits
Post Trans
Date Date Ref # Transaction Description Amount
04/05 04/05 0246 PAYMENT THANK YOU $250.00CR
TOTAL THIS PERIOD $250.00CR

Interest Charged
Post
Date Transaction Description Amount
04/12 INTEREST CHARGE ON PURCHASES $133.55
TOTAL INTEREST THIS PERIOD $133.55
Continued on Next Page
April 2019 Statement 03/15/2019 - 04/12/2019 Page 3 of 3
NICOLE THOMAS Cardmember Service 1-844-237-0593

2019 Totals Year-to-Date

Total Fees Charged in 2019 $0.00
Total Interest Charged in 2019 $558.03

Interest Charge Calculation

Your Annual Percentage Rate (APR) is the annual interest rate on your account.

**APR for current and future transactions.

Balance Annual Expires
Balance Subject to Interest Percentage with
Balance Type By Type Interest Rate Variable Charge Rate Statement

**BALANCE TRANSFER $0.00 $0.00 YES $0.00 16.74%

**PURCHASES $9,993.99 $10,041.47 YES $133.55 16.74%
**ADVANCES $0.00 $0.00 YES $0.00 24.49%

Contact Us

Phone Questions Mail payment coupon Online

with a check
Voice: 1-844-237-0593 Cardmember Service U.S. Bank KrogerMastercard.com
TDD: 1-888-352-6455 P.O. Box 6349 P.O. Box 790408
Fax: 1-866-568-7729 Fargo, ND 58125-6349 St. Louis, MO 63179-0408

End of Statement