Heritage Pension Plan Freeze. FAQs. Heritage Pension Plan Freeze FAQ 1 of 5
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1 Heritage Pensin Plan Freeze FAQs Heritage Pensin Plan Freeze FAQ 1 f 5
2 Overview f changes BP has fur grandfathered heritage pensin frmulas that will freeze n the fllwing dates: Amc - December 31, 2012 ARCO - December 31, 2013 Tled Master Hurly - December 31, 2013 Castrl - December 31, 2014 The BP plan was amended fr Heritage participants whse benefits were set t freeze n the dates abve. The new plan prvisins include the fllwing: Part A = the frzen benefit using the Heritage frmula Part B = new BP cash balance benefit beginning n each respective Heritage freeze date Part C = nging cash balance benefit Nte: After the applicable Heritage freeze dates, the winning (greater) benefit is (Part A + Part B) r Part C. The Amc temprary annuity supplement will cntinue t be available fr participants wh meet early retirement eligibility as f their separatin (terminatin) date. Frequently Asked Questins (FAQs) 1. Why was the BP Plan amended? A. The Plan was amended t address the fllwing tw cre issues that impacted participants with regard t the heritage grandfathered frmulas: Interest rate vlatility A higher interest rate prduces a lwer lump sum value and vice versa (i.e., a 100 basis pint increase will reduce lump sums by rughly 10% t 15%). As the lump sum interest rate cntinues t transitin t the crprate bnd rates, which n average are abut 100 basis pints higher than the 30-year Treasury bnd rates, this culd decrease the value f the lump sum pensins fr heritage emplyees. Future pensin accruals Thse wh remain emplyed after their heritage frmula freezes typically wuld nt earn additinal pensin benefits fr several years. This is referred t as wear away. Heritage Pensin Plan Freeze FAQ 2 f 5
3 2. Hw d these changes impact my existing cash balance accunt? A. Yur nging cash balance benefit (Part C) will nt be affected by these changes. Yu will cntinue t earn pay credits and interest credits accrding t the current cash balance frmula. Yur nging cash balance benefit will be cmpared t yur Part A + Part B benefit t determine yur winning (greater) pensin benefit at yur benefit cmmencement date. 3. Hw d these changes impact my benefit? A. The frzen 4.80% interest rate will increase yur Heritage lump sum benefit (Part A + Part B) if the blended rates are greater than 4.80%. Future pensin accruals under the new cash balance benefit (Part B) will be added t yur frzen heritage benefit (Part A) beginning n the applicable freeze date, which will als increase yur benefit. Yur pensin benefit will always be at least equal t r greater than yur benefit under the nging cash balance benefit (Part C). 4. What des it mean t freeze my Heritage benefit (Part A)? A. Eligible earnings and benefit service cntinue t increase under the Heritage frmulas until the applicable freeze date, if yu are still actively emplyed n the freeze date at which time the earnings, benefit/membership service, and Scial Security cmpnent will be frzen (This means the age 65 annuity will be frzen and will nt change). The benefit paid will be based n yur age and applicable interest rates at yur benefit cmmencement date. If yu cntinue t wrk after the freeze date, yu will be eligible fr the Part B benefit. Please see the Part B benefit explanatin abve. 5. If I am nt eligible fr the Amc temprary annuity at the freeze date, can I grw int eligibility? A. Yes. If yu are an Amc heritage participant, yu can grw int eligibility fr the temprary annuity if yu terminate n r after attaining age 50 and 15 years f vesting service. The temprary annuity supplement benefit will be frzen as f December 31, Des the 4.80% interest rate apply t ABSC emplyees with a prir Heritage Benefit? A. The 4.80% interest rate applies t the frzen heritage benefit fr the affected ABSC participants. Hwever, since the 3% cash balance accrual began effective 04/01/2010, there was n 'wear away' perid. Therefre, Part B wuld nt apply t this grup. Part B was nly intended t fill the gap fr thse Heritage participants wh wuld therwise nt have had a pensin accrual fr several years. Heritage Pensin Plan Freeze FAQ 3 f 5
4 7. Des this 4.80% interest rate apply t participants hired pre- 01/01/2002 at the Carsn Business Unit wh are unin emplyees? A. N. The plan was nt amended fr participants in this grup. 8. If am I eligible fr the 4.80% interest rate, hw des this interest rate impact my nn-qualified pensin benefit(s)? A. Excess Cmpensatin Retirement Plan and TNK-BP Supplemental Retirement Plan benefits - the winning (greater) benefit cmpares 4.80% vs. Delayed PPA (if applicable) vs. Standard PPA. Supplemental Retirement Accumulatin Plan (SRAP) benefits nt applicable. Supplemental Executive Retirement Benefit Plan (SERB) benefits - plan service cntinues t accrue until 12/31/2023 and the winning (greater) benefit cmpares 4.80% vs. Delayed PPA (if applicable) vs. Standard PPA. 9. Will Fidelity be able t prvide cmparisn calculatin estimates? A. The system has been prgrammed t calculate the winning (greater) benefit based n the Participant Eligibility fr Interest Rates sectin abve. Fidelity will be able t prvide a detail cmparisn upn request. 10. D I still need t use the PPA Interest Rate Calculatr? A. N. The system has been updated t incrprate all applicable interest rates. The calculatr is available t use t view histrical rates. 11. Hw d I knw if my Heritage benefit r Cash Balance benefit wins? A. After yu run a calculatin in NetBenefits under Estimate Yur Pensin, click n the Assumptins Details link t view the winning (greater) benefit under the Lump Sum and Single Life Annuity ptins. Heritage Pensin Plan Freeze FAQ 4 f 5
5 12. Hw are the fur interest rate inputs used in my calculatin? A. When interest rates are unknwn (when yur benefit cmmencement date is mre than fur mnths ut, r tw mnths fr Carsn Business Unit unin emplyees), yu may input a 30-Year Treasury rate and the three Crprate Bnd Segment rates which will be used t determine yur benefits at Benefit Cmmencement Date. The fur rates will be blended using the applicable tables belw in the BP Plan Interest Rates Overview. If any f the fur interest rates are left blank, the last knwn applicable interest rate will be used t determine yur benefits at yur benefit cmmencement date. The 5-year phase-in f the PPA Crprate Bnd Segment Rates started with the January 2010 benefit cmmencements. Fr 2010 benefit cmmencements, the weighting was 80% 30-year Treasury Bnd Rate and 20% PPA Crprate Bnd Segment Rates. Refer t the chart n the fllwing page fr additinal interest rate infrmatin. Fr 2013, the weighting is 20% 30-year Treasury Bnd Rate and 80% PPA Crprate Bnd Segment Rates. Year f Benefit Cmmencement Interest Rates Used Year Treasury Bnd Rate Year Treasury Bnd Rate *.8 + PPA Segment Rates * Year Treasury Bnd Rate *.6 + PPA Segment Rates * Year Treasury Bnd Rate *.4 + PPA Segment Rates * Year Treasury Bnd Rate *.2 + PPA Segment Rates * PPA Segment Rates 13. What did the PPA change abut the way lump-sum pensins are paid? A. The Pensin Prtectin Act f 2006 (PPA) called fr new Crprate Bnd Segment Rates and mrtality tables t cnvert an annuity t a lump sum r t ther ptinal frms f distributin. The new Crprate Bnd Segment rates are essentially blended frm three segmented crprate bnd yield curves. 14. If I have additinal questins, wh d I cntact? A. Questins abut the BP Retirement Accumulatin Plan can be directed t BP Retirement Services at Fidelity by calling BP Retirement Services at (tll-free within the U.S.). Frm utside the U.S., participants can dial their cuntry s tll-free AT&T USA Direct access number* then enter Participants calling frm an area unsupprted by AT&T Direct shuld use the fllwing internatinal cllect number: Participants needing TDD#, please dial Representatives are available Mnday thrugh Friday (except New Yrk Stck Exchange hlidays) 7:30 a.m. t 11:00 p.m. Central time. Heritage Pensin Plan Freeze FAQ 5 f 5 The infrmatin cntained herein has been prvided by BP and is the sle respnsibility f BP.
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