Financial Services Consumer Privacy Notice

THE KROGER FAMILY OF COMPANIES FINANCIAL SERVICES CONSUMER PRIVACY NOTICE

^{Rev. 8/26}

The following The Kroger Family of Companies Financial Services Consumer Privacy Notice applies to you if you are an individual who resides in the United States and uses Kroger financial services, such as money transfers, money orders, check cashing, bill payment services, prepaid cards, and gift cards, primarily for your own personal, family or household purposes.

FACTS	WHAT DOES KROGER DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and purchase history Payment history and transaction history Account transactions and checking account information
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Kroger chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Kroger share?	Can you limit this sharing?
For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes—to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes—information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes—information about your creditworthiness	No	We don't share
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don't share


To limit our sharing	Call 1-800- 432-6111 -- our menu will prompt you through your choice(s) Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call 1-800-KROGERS (1-800-576-4377)

Who we are
Who is providing this notice?	The Kroger Co. and certain of its affiliates (see "Other important information")

What we do
How does Kroger protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Kroger collect my personal information?	We collect your personal information, for example, when you pay your bills make a wire transfer tell us who receives the money tell us where to send the money show your government-issued ID We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates' everyday business purposes-information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definition
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include each of the companies listed below.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Kroger does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Other important information
Vermont and California Customers	We will not share your information for joint marketing with other financial companies.
Kroger's Affiliated Companies include	84.51 LLC; Alpha Beta Company (Food 4 Less and Ralphs); Bay Area Warehouse Stores, Inc. (Foods Co.); Cala Foods, Inc. (Food 4 Less and Foods Co.); Dillon Companies, LLC (Baker's, City Market, Dillons, Gerbes, and King Soopers); Food 4 Less of California, Inc. (Food 4 Less and Foods Co.); Fred Meyer Jewelers, Inc.; Fred Meyer Stores, Inc. (Fred Meyer and QFC); Harris Teeter, LLC; Hughes Markets, Inc. (Ralphs); The Kroger Co. of Michigan (Kroger); Kroger Limited Partnership I (JayC Food Stores, Kroger, Pay Less Super Markets, and Ruler Foods); Kroger MTL Management, LLC; Kroger Texas L.P. (Kroger); Mega Marts, LLC (Metro Market and Pick 'n Save); Ralphs Grocery Company (Food 4 Less, Foods Co., and Ralphs); Roundy's Illinois, LLC (Mariano's); Roundy's Supermarkets, Inc.; Shop-Rite, LLC (Metro Market and Pick 'n Save); Smith's Food & Drug Centers, Inc. (Fry's Food Stores and Smith's Food & Drug); Ultimate Mart, LLC (Metro Market and Pick 'n Save); and Ultra Mart Foods, LLC (Metro Market and Pick 'n Save).
Information Collected Through Your Purchase of Financial Products and Services	Information collected to provide and administer the financial product or service is subject to this Financial Privacy Notice. However, if you provide your rewards account number in connection with a financial product or service, information associated with your rewards account, including the fact that you obtained or used the financial product or service, may also be collected, used, and disclosed in accordance with the Kroger Privacy Policy for non-financial products and services.
Third‑Party Financial Services	A number of the financial products and services that we make available to our customers are offered by nonaffiliated financial institutions. For those products and services, the nonaffiliated financial institution will provide you its privacy policy, and that privacy policy will govern the collection and sharing of your information by that financial institution.