The Kroger Co. is one of the world’s largest retail companies. It spans many states, many formats, and operates under nearly two dozen banners.

In-Store: 1. At checkout, one or more gift cards may be applied to the balance owed first. If there is a remaining balance, you will be asked to provide a secondary payment option to pay the remainder. 2. Cannot redeem for fuel or products at Kroger Family of Companies' Fuel Centers or fuel kiosks. 3. Cannot redeem for Kroger Family of Companies' Pickup, Delivery or Ship purchases. 4. Cannot redeem at Fred Meyer Jewelers and Littman Jewelers stores. Self Checkout: 1. Customers checking out at Self Checkout must select the "Other" payment button to redeem Kroger eGift Card(s). The Self Checkout attendant will be notified to assist with redeeming the Kroger eGift Card(s). Sales Associate: 1. Associate selects the EFT button. 2. Associate presses the Clear button. 3. Associate scans the barcode on the smartphone or paper copy using the hand scanner. 4. Customer enters the 4-digit eGift Card PIN into the credit card reader prompt.

1. Protect this card and treat it as you would cash. 2. For card balance, check your sales receipt, visit www.gcbalance.com, call 1-866-822-6252, or use your Kroger Family of Companies' mobile app. 3. Use of this card constitutes acceptance of the terms and conditions of this Gift Card. 4. The card represents a prepayment for goods and fuel available at The Kroger Family of Companies. For a complete list of where the card is redeemable, visit www.kroger.com/giftcardterms. 5. The card cannot be used for lottery, money orders, any stored value prepaid cards or gift cards, or other products prohibited by law. 6. The card cannot be exchanged for cash, except where required by law. 7. No fees. 8. If your card is lost, stolen, damaged or destroyed, it will not be replaced and the remaining value will be lost. 9. Issued by The Kroger Co., an Ohio corporation. 10. Good at Food 4 Less stores in Southern California, Indiana and Illinois only. 11. Kroger Family of Companies' gift cards do not earn fuel points at purchase.