Gift Cards

¹ CARDS HAVE NO VALUE UNTIL ACTIVATED. TERMS AND RESTRICTIONS APPLY. Only purchases made with your Shopper’s Card from the Kroger Family of Companies or made by scanning the loyalty barcode on the back of your Kroger Family of Companies Rewards World Elite Mastercard® are eligible. Excludes the Kroger Family of Companies Gift Cards, ALL PREPAID RELOADABLE DEBIT CARDS (Green Dot^®, MoneyPaks^®), & ALL FINANCIAL VARIABLE LOAD CARDS (Mastercard^® & Visa^®). Offer may be modified or discontinued at any time without notice. Fuel discounts are limited to up to 35 gallons of fuel per purchase, subject to fraud prevention limits on the amount of purchase. Not valid where prohibited by law. Subject to availability. See gift cards for details, terms, conditions and (if applicable) fees. All trademarks are property of their respective owners. Third party participants are not a sponsor of the promotion. Product and offer may not be available in all states. Wireless Phones & Airtime cards are excluded from this promotion. Selling or purchasing fuel points is prohibited. Fuel redemption offer cannot be combined with any other discounts. No discounts to dealers, wholesalers or fleet programs. No cash back. Not valid where prohibited by law. Fuel discount not valid in LA. We may suspend or remove you from the fuel program due to suspected violation of these terms or because of fraudulent activity or suspected fraudulent activity. The Visa^® and Mastercard^®

Gift Cards are issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated. See Gift Card for terms and applicable fees. No cash access. For use in the U.S. only. The creditor and issuer of the Kroger Family of Companies Rewards World Elite Mastercard^® is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

© 2022 U.S. Bank

Gift Card Mall and Bulk eGift Cards are managed by Kroger partner, Blackhawk Network. eGift Cards and our Gift Card Mall is operated by BlackHawk Network, Inc., on behalf of Kroger. Providing any information or purchasing a product, the user is entering a first-party relationship with Blackhawk Network. Both entities have access to and control over Personal Data collected and processed on the Blackhawk Network Inc. managed website, Gift Card Mall. Data protection laws in your jurisdiction may give you specific privacy rights, including the right to request access to or deletion of your Personal Data, and rights regarding the Sale of Data (where applicable). If you wish to exercise those rights you will need to make requests to each company directly; please visit the Blackhawk Network Inc. Privacy Notice and the Kroger Privacy Notice for more information. Use of Blackhawk Network’s Gift Card Mall website constitutes acceptance of the following Privacy Policy and Terms of Service and Visa terms

Kroger Family of Companies Rewards World Elite Mastercard^®

² Offer applies to new cardmembers only. Subject to credit approval. Discount is available at Kroger Family of Companies Fuel Centers each time you redeem at least 100 existing fuel points earned in a single month. You must scan, redeem fuel points and pay with your Kroger Family of Companies Rewards World Elite Mastercard^® in order to receive the fuel discount. The first-year additional 55¢ discount offer expires one year from the cardmember’s approval date and does not require a spend minimum. However, if your posted spend is at least $6,000 on net eligible purchases during the first 12 months that your Account is open, once the additional 55¢ discount has expired, you will receive a 25¢ discount for the remainder of that calendar year and for the entirety of the next calendar year, ending the following January 31. The date that a transaction is made may not be the same date that it posts to your Account. After that, eligibility is determined on a calendar year basis. If your posted spend equals at least $6,000 on net eligible purchases in a calendar year, you get the 25¢ discount for the remainder of that calendar year (starting the month after you met the minimum spend requirement) and for the entirety of the next calendar year, ending the following January 31. If the additional 25¢ (or introductory 55¢) discount has expired and you have not met the minimum posted spend requirement in the prior or current year, you will instead receive an additional 5¢ fuel discount at Kroger Family of Companies Fuel Centers when you scan, redeem fuel points and pay with your Kroger Family of Companies Rewards World Elite Mastercard^®. Not valid with any other fuel offer. Accumulation excludes taxes, office services, alcohol, tobacco, fuel, prescriptions, and any purchases prohibited by law. Fuel discount effective for a limited time at participating fuel center locations. Not valid in LA, MO or where prohibited by law. Purchases made at Kroger Family of Companies Fuel Centers do not earn Rewards Points or fuel points. Please see store for fuel discounts details and in-store spending requirements. Selling or purchasing fuel points is prohibited. Fuel redemption offer cannot be combined with any other discounts. No discounts to dealers, wholesalers, or fleet programs. No cash back. Not valid where prohibited by law. We may suspend or remove you from the fuel program due to violation of these terms or because of fraudulent activity or suspected fraudulent activity.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

©2022 U.S. Bank

Kroger Rewards Debit Card

©2022 The Kroger Co.

Kroger Pay

³ When you use Kroger Pay with a Kroger Payments card.

Money Services

⁴ Kroger engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, please contact Western Union Customer Service first at 1-800-325-6000. After contacting Western Union Financial Services, Inc. and if you still have an unresolved complaint regarding the company’s money transmission services, please contact the Texas Department of Banking at 2601 North Lamar Boulevard, Austin, TX 78705 – telephone number 1-877-276-5554 (toll free) or visit www.dob.texas.gov for more information.

*Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates are subject to change without notice.

^†Date available will be displayed on receipt for international transfers over $15. Service and funds availability depends on certain factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones (collectively, “Restrictions”).

**Fee reductions apply only to the Western Union transfer fee for a single Western Union Money Transfer or Quick Collect transaction. Excludes all other services, including without limitation, online bill payments, and money transfers via social/chat applications. Points used will not be reversible and if amount of transfer fee is less than redeemed discount, no cash, credit or refund will be provided. Western Union reserves the right to offer promotional discounts that cannot be combined with My WU fee reductions.

Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985, which are licensed as Money Transmitters by the New York State Department of Financial Services. See terms and conditions for details.

The Western Union name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc., are used with permission.

Ria is a registered trademark of Continental Exchange Solutions, Inc. NMLS #920968, dba Ria Financial Services. Kroger is an authorized delegate of Ria (Continental Exchange Solutions, Inc.) pursuant to Chapter 151 of the Texas Finance Code. If you have a complaint, please call Ria at (855) 355-2145 or visit https://us.riafinancial.com/en/legal/file-complaint.

For Texas consumers: Ria is licensed under Chapter 151 of the Texas Finance Code. After contacting Ria, if you still have a complaint regarding the company’s money transmission services, please contact the Texas Department of Banking at 2601 North Lamar Boulevard, Austin, TX 78705 – telephone number 1-877-276-5554 (toll free) or visit www.dob.texas.gov for more information.

For consumers in all other states: see full terms and conditions, including regulatory contact information, on your receipt.

Date available will be displayed on receipt for all transfers. Service and funds availability depends on certain factors including the amount sent, destination country, currency availability, fraud prevention measures, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones.

This retail location engages in the money services business by offering prepaid cards issued by U.S. Bank National Association (“U.S. Bank”) pursuant to a license issued to Kroger MTL Management, LLC. If you have a complaint, first contact U.S. Bank at 1-888-853-9536.

If your issue is unresolved by U.S. Bank at 1-888-853-9536, please submit formal complaints with the State of Alaska, Division of Banking & Securities.

Please download the form here: https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf

Submit formal complaint form with supporting documents:

Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807

If you are an Alaska resident with questions regarding formal complaints, please email us at dbs.licensing@alaska.gov or call Nine Zero Seven Four Six Five Two Five Two One