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U.S. Bank Pension Plan Summary Plan Description January 2020

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U.S. Bank Pension Plan Summary Plan Description January 2020 U.S. Bank Pension Plan Summary Plan Description January 2020 Table of contents About this summary ......................................................................................................................................1 Overview .....................................................................................................................................................2 Benefits at a glance ......................................................................................................................................2 Using U.S. Bank Employee Services or the Your Total Rewards website to access your benefit information................4 Participation and eligibility ..............................................................................................................................5 Vesting........................................................................................................................................................6 Benefit service .............................................................................................................................................7 Calculating your pension benefit .....................................................................................................................7 When your benefits commence ..................................................................................................................... 12 Choosing your payment option ..................................................................................................................... 13 Applying for and receiving your benefit........................................................................................................... 15 Prior plans ................................................................................................................................................. 15 Annuity purchases ...................................................................................................................................... 16 Tax es........................................................................................................................................................ 16 Survivor benefit .......................................................................................................................................... 17 Beneficiary designation................................................................................................................................ 18 Reemployment after retirement ..................................................................................................................... 19 Payment and benefit accrual restrictions based on plan funding......................................................................... 19 Important plan information............................................................................................................................ 19 Attac hment 1 – Special rules for U.S. Bank Cash Balance participants ............................................................... 27 Attac hment 2 – Special rules for Firstar participants ......................................................................................... 31 Attac hment 3 – Special rules for Mercantile participants ................................................................................... 37 About this summary The benefits described in this U.S. Bank Pension Plan Summary Plan Description (“Summary ”) apply to individuals who (i) were hired before July 3, 2008; (ii) did not terminate employment and get rehired after Nov. 15, 2009; and (iii) were employed on and therefore earning a benefit under U.S. Bank Pension Plan (the “Plan”) as of Jan. 1, 2020. If (i) you were hired on or after July 3, 2008, or (ii) you were hired before that date but terminated employment and were rehired on or after Nov. 15, 2009 (regardless of whether your termination occurred before or after Nov. 15, 2009), or (iii) you elected to start earning a benefit under the portion of the Plan known as the U.S. Bank 2010 Cash Balance Plan (the “2010 Cash Balance Portion”) or did not make an election and defaulted into the 2010 Cash Balance Portion of the Plan, then you are a participant in the 2010 Cash Balance Portion of the Plan, and this Summary does not apply to you. Please see the summary that applies to the 2010 Cash Balance Portion of the Plan. In addition, regardless of the portion of the Plan you might have earned a benefit under, if you terminated employment and were not employed as of Jan. 1, 2020, the benefit you previously accrued was transferred to the “U.S. Bank Legacy Pension Plan,” and this Summary does not apply to you. Please see the summary that applies to the U.S. Bank Legacy Pension Plan or the U.S. Bank Legacy 2010 Cash Balance Plan, depending on your particular situation. If you have any questions about which summary applies to you or you would like to request a copy of the summary that applies to you, contact U.S. Bank Employee Services at 800.806.7009 and say “Savings and retirement.” This Summary provides only an overview that is intended to give Plan participants and beneficiaries a general idea of their benefits under the Plan. Substantial limitations or restrictions may apply to the benefits described in this Summary. If questions arise, or if a provision in this Summary is inconsistent with the relevant Plan document, all decisions will be January 2020 based on the relevant Plan document, which will control in all instances. Receipt of this Summary is not an indication that a person is eligible for benefits under the Plan. Only general eligibility rules for the Plan are described in this Summary. Thus, additional limitations and restrictions on eligibility may apply. U.S. Bancorp reserves the right to amend or terminate the Plan at any time. If you have questions about your pension benefits, contact U.S. Bank Employee Services at 800.806.7009 and say “Savings and retirement.” Overview Relationship to prior plans The Plan is the result of the merger of the Firstar Employees’ Pension Plan and the U.S. Bancorp Cash Balance Pension Plan on Jan. 1, 2002. If you earned a benefit under either of those plans, your total retirement benefit will be the sum of your benefit earned prior to Jan. 1, 2002, (sometimes referred to as the “A” portion of your benefit) and your benefit earned after Jan. 1, 2002, (sometimes referred to as the “B” portion of your benefit). If you first began earning pension benefits on or after Jan. 1, 2002, you will only have the “B” benefit. For Mercantile employees, the “B” portion began Jan. 1, 2003. Information about prior plan benefits Special rules that apply to Plan participants who have “A” benefits are summarized in three Attachments at the end of this Summary. If you have an “A” benefit, refer to the Attachment that describes your “A” benefit: If you earned a benefit under this plan: This Summary refers And the summary of your to you as a: “A” benefit can be found in: U.S. Bancorp Cash Balance Pension Plan Cash Balance Participant Attachment 1 (“Cash Balance Plan”) Firstar Employees’ Pension Plan Firstar Participant Attachment 2 (“Firstar Plan”)* Mercantile Bancorporation Inc. Retirement Plan Mercantile Participant Attachment 3 (“Mercantile Plan”)* * Although the Mercantile Plan was part of the Firstar Employees’ Pension Plan prior to 2002, references to the Firstar Plan in this Summary and the Attachments refer only to the non-Mercantile part of that plan. Except for the Attachments, the provisions of this Summary generally apply whether you have an “A+B” benefit or only “B” benefit. Benefits at a glance Participation On July 3, 2008, participation in this Plan was frozen to new hires; after this date, no new participants are entitled to benefits under the Plan. On Nov. 15, 2009, participation in this Plan was frozen to rehires; no rehired participants are entitled to benefits in this Plan after Nov. 15, 2009. Prior to the freeze, U.S. Bank employees automatically became participants in the U.S. Bank Pension Plan (the “Plan”) on the first Jan. 1 or July 1 after reaching age 21 and completing one year of service in which they were credited with at least 1,000 hours of service in an eligible position. If you were a participant in the Firstar Plan, the Cash Balance Plan or the Mercantile Plan on Dec. 31, 2001, you automatically became a Participant in the Plan on Jan. 1, 2002, if you were a U.S. Bank employee. Firstar Participants and Cash Balance Participants began earning benefits under the Plan’s benefit formula on Jan. 1, 2002. Mercantile Participants, however, continued to earn benefits under the Mercantile Plan’s benefit formula through Dec. 31, 2002. Mercantile Participants began earning benefits under the Plan’s benefit formula effective Jan. 1, 2003. January 2020 | 2 If you were a Participant in this Plan before Jan. 1, 2020, but were not a U.S. Bank employee on Jan. 1, 2020, then your accrued benefit was transferred to the U.S. Bank Legacy Pension Plan. For more information, see the “Participation and eligibility” section. Benefits based on pay and service The Plan uses two formulas to calculate your benefit for service after Jan. 1, 2002 (or Jan. 1, 2003 for Mercantile Participants). Both formulas are based on your pay and service, but one uses base pay and the other uses total pay. Your benefit is the larger of the two benefit amounts. If you earned a benefit under the Firstar Plan, the Mercantile Plan or the Cash Balance Plan
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