2. Instructions: To watch the presentation, select slide show in the menu above. Then choose “From Beginning,” hit enter and the presentation will begin to play automatically. Be sure to have your volume on. Part 1 and 2 are also available on yourkrogerbenefits.com in the Open Enrollment Center.

3. Open Enrollment October 26-November 13, 2015 Make the Most of Your Benefits Part 3 of 3

4. Work/Life

5. – Life Insurance: If you pass away One-time benefit Paid to beneficiary – Disability: If you can’t work Continue portion of income Paid to you Life Insurance and Disability

6. – Voluntary life insurance: For yourself: Up to 10x your base pay – Voluntary dependent life insurance: Spouse/partner: $10,000, $25,000, $50,000, $75,000 or $100,000 Children: $5,000 or $10,000 each – Personal accident insurance: For yourself: $25,000 increments, up to 10x your base pay For spouse/partner and children: Amount equal to portion of your coverage Life Insurance

7. – Long-term disability: 65% of your base pay, or 50% of your base pay – Good time to review and update your beneficiary Disability

8. Employee Assistance Program (EAP) 100% paid Confidential Available 24/7 Up to 6 visits and unlimited phone calls And more!

9. – Auto/Homeowner’s Insurance – Group Legal Insurance – Associate Discounts Group Rates and Discounts Check out all the great associate discounts on greatpeople.me Check out all the great associate discounts on greatpeople.me

10. Money

11. – 401(k) Retirement Savings Account (RSA): Save for future – save on taxes now Check your 401(k) balance and contribution Kroger matches $1 for $1 on first 3% and $.50 for every dollar on the next 2% Are you getting the full company match? – Employee Stock Purchase Plan: Payroll deductions As little as $3 per week Retirement Savings

12. I Can Do That! Review and Enroll Check Out Your Total Rewards Statement Schedule a Checkup Maximize Your Health Care Dollars

13. Kroger Benefits Service Center (KBSC) 1-877-373-3397 krogerbenefits@kroger.com Need Help? Extended hours during Open Enrollment Monday - Friday, 8 a.m.-9 p.m. ET Extended hours during Open Enrollment Monday - Friday, 8 a.m.-9 p.m. ET

14. Enroll October 26-November 13

15. Click here to watch the video.