2022 BENEFITS AT A GLANCE

Beneﬁts to support the total you

The well-being of you and your family matters.

This at-a-glance guide provides an overview of

the health and ﬁnancial beneﬁts available to you

as an employee of U.S. Bank.

Each year, we explore ways to improve your

beneﬁts and resources – so whether you’ve been

with the company for a while, or just joined as

a new employee, use this guide to understand

what’s available to you for 2022.

Contents

Your beneﬁt choices and start dates 2

Support for:

Your ﬁnancial well-being 3

A well mind and body 5

Your parenting journey 13

Your budget 14

Protection for you and your loved ones 16

Your life outside of work 19

2022 BENEFITS AT A GLANCE

Look for these symbols throughout this document to identify the beneﬁts for which you qualify based on your

employment status:

• Full-time: scheduled to work 30 or more hours per week

• Regular part-time: 20-29 hours per week

• Part-time: fewer than 20 hours per week

If you’re eligible, you can generally cover your qualifying dependents, too:

• Spouse or domestic partner (same- or opposite-sex)

• Children younger than 26

• Disabled children 26 or older

As a new or newly eligible employee, the beneﬁts you select by your enrollment deadline will be set up as soon as

possible to help you avoid gaps in coverage. If you’re full-time, that’s the ﬁrst of the month after your hire date. If you’re

regular part-time, a three-month waiting period applies (e.g., if you’re hired May 9, the beneﬁts you elect begin Sept. 1).

Thereafter, you can change your beneﬁts each November for the following year, unless you experience a life event that

allows you to add, drop or change earlier.

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Your beneﬁt

choices and

start dates

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Your ﬁnancial wellness matters throughout your career and into retirement. That’s why we invest in your future with

retirement savings and pension plans, and tools and resources to help you plan your journey.

Tools to help navigate your ﬁnancial journey

We’re your partner as you take steps to achieve your ﬁnancial goals – no matter how big or small. Visit My Money,

My Goals to access tools like a ﬁnancial wellness assessment and periodic webinars to help you save for the

unexpected, pay off debt, plan for retirement and much more.

And check out Your Total Rewards to access your savings and retirement accounts, project your future retirement

income, get investment help and assess your ﬁnancial health. Plus, see your total compensation statement and

explore all the beneﬁts and programs that comprise your total rewards.

401(k) savings plan

You choose how to save and invest through before-tax and/or Roth after-tax contributions and a variety of investment

options. You’re immediately vested and receive a 100% company match up to 4% of eligible pay after a year of service.

You’re automatically enrolled with a 2% before-tax contribution to a target-date fund based on your birthdate and

assumed retirement at age 65. Savings start on your ﬁrst or second paycheck, and you can change your contributions

or investments anytime.

You can use Health Savings Account contributions you make and receive

from U.S. Bank during employment to pay your healthcare expenses in

retirement, too. See page 14 to learn more.

Support for

your ﬁnancial

well-being

Pension plan

Help build your retirement income with a cash balance

pension beneﬁt funded completely by U.S. Bank. You’re

automatically enrolled on the ﬁrst Jan. 1 or July 1 after you

reach age 21 and complete a year of service in which you

work at least 1,000 hours. Thereafter, each year you work

at least 1,000 hours, you’ll receive a pay credit (based on

your age and years of service) equal to a percentage of your

eligible pay up to the Social Security Wage Base (SSWB*)

during the year, plus an additional pay credit based on your

eligible pay equal to or more than the SSWB. You’ll also

receive an annual interest credit on your account balance.

Once fully vested after three years of service with at least

1,000 hours, you can take your beneﬁt with you if you leave

U.S. Bank or receive a beneﬁt from the plan when you retire.

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Your age +

years of service

Pay credit percentage

on pay up to SSWB

Pay credit percentage

on pay equal to or more

than the SSWB

Less than 35 2.0% 4.0%

35-49 2.5% 5.0%

50-64 3.0% 6.0%

65-79 4.0% 8.0%

80 and over 5.0% 10.0%

*SSWB is updated each year. The 2021 amount is $142,800.

Feeling well helps power your potential at home, work and in all that you do. Choose from a variety of beneﬁts and

programs to help you be at your best.

Medical and wellness

You have access to two distinctly different medical plans loaded with value-added features to make your experience more

comprehensive, integrated and convenient:

• Broad network coverage administered by UnitedHealthcare/OptumRx for medical services and prescriptions.

• Free preventive screenings, immunizations and prescriptions, regardless of whether you’ve met your deductible.

Preventive exams (like well-child visits and annual physicals) and other recommended screenings can help uncover

health conditions that show no symptoms, prevent certain diseases and catch health issues early when they’re easier

and less expensive to treat.

• A variety of wellness and support programs.

• A single administrator – UnitedHealthcare/Optum – for your medical and prescription coverage, employee assistance

program (EAP), Health Savings Account (if applicable) and wellness programs for an integrated experience and

continuity of your preventive and ongoing healthcare.

The Copay Advantage plan features more certainty

around what you pay when you go to the doctor or

ﬁll a prescription through:

• A lower deductible for medical services

• No deductible for prescriptions

• Free 24/7 Virtual Visits with a UnitedHealthcare

Designated Virtual Network Provider

• Fixed copays for certain services

The HSA Advantage plan is a high deductible plan

you can pair with a Health Savings Account (HSA)

that offers:

• Lower premiums

• A tax-free way to save and pay for

out-of-pocket healthcare expenses

• An HSA contribution from U.S. Bank — up to

either $500 or $1,000 annually

Support for

a well mind

and body

UnitedHealthcare Copay Advantage

Plan (In-network)

UnitedHealthcare HSA Advantage Plan

(In-network)

HSA contribution from U.S. Bank Not eligible If you only cover yourself: $500

All other coverage levels: $1,000

What you pay

Deductible

Medical: $500/person; $1,000/family

Pharmacy: Deductible waived

Combined medical/pharmacy:

$3,000/person; $5,000/family

Preventive medical/pharmacy $0 - deductible waived

Ofﬁce visit charge

See “Other covered medical

services” for other services received

during an ofﬁce visit

PCP, convenience clinic: $25

Specialist, urgent care: $50

Deductible waived

($0 for behavioral health after

deductible is met)

30% after deductible

($0 for behavioral health after

deductible is met)

24/7 Virtual Visits with a

UnitedHealthcare Designated

Virtual Network Provider

$0 - deductible waived 30% after deductible

Emergency room $250 - deductible waived 30% after deductible

Other covered medical services 20% after deductible

($0 for behavioral health after

deductible is met if billed as

ofﬁce setting)

30% after deductible

($0 for behavioral health after

deductible is met if billed as

ofﬁce setting)

Retail pharmacy (30-day) 20%-45%; deductible waived 20%-45% after deductible

Home delivery pharmacy (90-day) $25 copay-45%; deductible waived $25 copay-45% after deductible

Out-of-pocket maximum

(combined medical/pharmacy)

$2,000/person

$4,000/family

$5,000/person

$10,000/family

Cost of coverage per biweekly pay

period

You: $90.74

You + spouse/partner: $249.11

You + children: $172.39

You + family: $357.95

Assumes no tobacco use

You: $41.02

You + spouse/partner: $125.89

You + children: $79.72

You + family: $153.57

Assumes no tobacco use

Similar plans are available through Kaiser in California, Colorado, Oregon and Washington at similar costs.

See my.kp.org/usbank for details.

Compare your options and what you pay for services

Find the best plan for your budget by considering your premiums and expected expenses. Also consider using the

medical expense estimator on Your Total Rewards when you enroll.

Expert guidance for navigating your healthcare

Premier support – Experience an elevated level of

personalized and uniﬁed support when you have questions

or concerns or when you need expert support related to

your UnitedHealthcare/Optum medical, prescription, mental

and behavioral health, and Health Savings Account beneﬁts.

You’ll have unlimited access to a dedicated expert team of

nurses and advocates trained in all our beneﬁts – you can

even choose to speak with the same person each time

you call.

Advocates will be standing by to provide personalized,

holistic support for your physical and emotional needs. They

can help you do the following and more to ensure you get the

right assistance at the right time:

• Understand how your beneﬁts work

• Find the balance of your deductible

• Decide where to go for care and ﬁnd a doctor or

specialist in your network

• Decipher a medical claim or bill

• Learn what care is covered and what you can expect

to pay

• Manage a condition or learn more about a new diagnosis

• Understand your prescriptions

• Get the most out of your beneﬁts and connect you to other U.S. Bank resources

Surgical advocacy – In a single phone call, you’ll get instant access to a Surgical Care Advocate who can help

simplify your path to affordable, quality outpatient surgery. They’ll help you understand your options for where to receive

care, assist in ﬁnding a local surgeon who specializes in your condition, schedule appointments for you and answer

your questions.

Specialized support to meet your personal needs

With either of our UnitedHealthcare medical plans, you receive

these valuable programs at no additional cost to you:

• 2nd.MD empowers you to conﬁdentially consult by

phone or video with a highly specialized physician

from a top-ranked institution. They’ll provide a second

opinion about a diagnosis or differing diagnoses from

multiple doctors, surgery, a new course of treatment, or

prescription or treatment you’re not sure is working.

• Livongo for Diabetes Program includes a connected

meter; anytime, anywhere coaching; and 100% coverage

for testing strips.

• Maternity Support Program to enhance your

understanding of what to expect, ease your concerns,

access useful information and resources, and prepare

for the best possible pregnancy and birth.

• Real Appeal digital weight loss and healthy living

program, which includes a personal coach, online

group classes, nutrition and ﬁtness guides, food and

exercise trackers and more.

• Stop Smoking Program, including a quit coach

and nicotine replacement products to help you

become tobacco- and nicotine-free. Also available

to Kaiser members.

Partners on the road to better well-being

In addition to the wellness components of our

medical plans, we support your total well-being

through:

50% reimbursement

on already discounted WW (Weight Watchers

reimagined) membership fees

Discounts

on ﬁtness products and services

*Applies to behavioral health services billed as an ofﬁce setting, as well as any additional health services received at that visit.

Mental health matters

Behavioral and mental health are an

incredibly important part of well-being.

That’s why we provide:

• Conﬁdential counseling through Optum

to help you cope with grief and loss,

navigate personal relationships, manage

ﬁnancial worries and solve family or

parenting concerns. Up to eight face-to-

face or virtual sessions with a network

provider are free for you and your

household members even if you’re not

enrolled in a U.S. Bank medical plan.

• A broad spectrum of online resources

and phone support from Optum on

topics like adult and eldercare, parenting

and childcare, chronic condition

support, and school and education.

Resources include:

— Self-help programs and tools.

— Educational information: articles,

discussion boards, videos and

webinars.

— Access to professional services: clinician/counselor provider search tool, legal and mediation services (including

free 30-minute consultations per problem per year with a 25% discount on services beyond the consult) and

ﬁnancial services (including 60 minutes of consultation per issue per year).

— Research and general support: save time and money when an Optum representative helps you ﬁnd local services,

like childcare or eldercare, pet sitting, landscaping and more; or get general advice or information about resources

to help you manage personal issues at work or home.

• Coverage under our medical plans for diagnosis, treatment, therapy and crisis intervention related to mental

health and behavioral health conditions, such as depression, mental illness and substance abuse. From virtual

and ofﬁce visits to prior-authorized inpatient, outpatient and residential treatment, we’ve got you covered. With our

UnitedHealthcare plans, eligible expenses are covered at 100% after you reach your deductible both in and out

of network.*

Convenient options that ﬁt your busy life

• 24/7 Virtual Visits — Get free or low-cost care from

UnitedHealthcare Designated Virtual Network Providers

through your phone, tablet or computer — anytime,

anywhere and without an appointment. For $50 or less

per visit, you could save up to hundreds of dollars and

receive convenient, contact-free treatment for common

conditions such as ﬂu, fever, upset stomach, headaches,

rashes, sinus issues and more. See how you could save

with 24/7 Virtual Visits at uhcbeneﬁtsusb.com.

• Onsite heath centers — See a nurse practitioner at

one of our larger worksites to get more convenient care

for minor illnesses or medical services. It’s completely

free to you – even if you’re not enrolled in a U.S. Bank

medical plan.

• uhcbeneﬁtsusb.com — Prior to enrolling, ﬁnd a network

doctor or pharmacy, and access covered medications

and the drug pricing tool.

• myuhc.com — Find a network doctor or pharmacy,

access 24/7 Virtual Visits Designated Virtual Network

Providers, estimate costs, manage your claims, access

your HSA, order prescriptions and more. When you’re

covered by a UnitedHealthcare medical plan,

this one-stop resource integrates all your medical,

pharmacy, EAP, wellness, and HSA information,

resources and transactions.

Dental

Good dental care is an important part of your overall well-being. Choose from two dental plans to help keep your smile at its

best through regular dental checkups. Carefully consider the services you expect to use for the year. For most people, the Basic

plan provides the best ﬁt and value. If you expect major dental work or adult orthodontia, the Premium plan may be for you.

Basic Premium

$0 $0Preventive and diagnostic services

$50/person, $100/familyBasic and major services $50/person, $100/family

$0Orthodontia $0

100%Preventive and diagnostic 100%

80% after deductible Basic services 80% after deductible

50% after deductible Major services 80% after deductible

50% – for dependent children

under age 19

Orthodontia

50% – for adults and

dependent children

$1,000/person per calendar year

Annual maximum beneﬁt for

preventive and diagnostic, basic

and major services

$1,500/person per calendar year

$1,000/dependent child per lifetime Lifetime orthodontia maximum $1,500/person per lifetime

Percentages shown indicate the percent of the “payment obligation/allowable charge” paid by the plan.

Premiums per biweekly pay period

Full-time employees You only – $6.00

You + spouse – $11.50

You + child(ren) – $12.50

You + family – $20.00

You only – $24.50

You + spouse – $48.25

You + child(ren) – $53.25

You + family – $84.00

Regular part-time employees You only – $11.54

You + spouse – $23.04

You + child(ren) – $24.65

You + family – $39.31

You only – $30.92

You + spouse – $61.58

You + child(ren) – $67.31

You + family – $106.35

Deductible (per calendar year)

Coverage

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Vision

Get your routine eye exam and pay less for eyeglasses and contact lenses purchased through a variety of retail and

private practice optometrists and ophthalmologists in the EyeMed network. Discounts on diagnostic hearing exams and

hearing aids also are available. You pay from $3.29 to $9.04 per pay period depending on the family members you cover.

Product/service

Frames

Your in-network cost

Standard plastic lenses with polycarbonate and anti-

reﬂective coatings (other lens options available for

additional cost)

Single vision, bifocal, or trifocal

Standard progressive

Premium progressive

$0 for frames up to $150 retail value; 80%

of balance over $150

$10 copay

$75 copay

Varies by type of lens from $95 to $120 copay, or $75

copay up to $120 retail value plus 80% of balance

over $120

Contact lenses (both eyes)

Conventional

Disposable (up to $150 retail value)

Medically necessary

$0 for lenses up to $150 retail value; 85%

of balance over $150

$0 for lenses up to $150 retail value; 100% of balance

over $150

$0 (paid in full by plan)

Lasik surgery from US Laser Network 85% of regular retail price; 95% of promotional price

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Exam services

Exam

Fit and follow-up - standard

Fit and follow-up - premium

$0 copay

$0 copay; contact lens ﬁt and two follow-up visits

$0 copay; 10% off retail price, then apply $40 allowance

Your family life matters. Save money, bring harmony to your work and home lives, and access practical resources and

assistance with these programs.

Adoption assistance: Reimbursement of up to $10,000

Bright Horizons: Ten days of discounted backup child and elder care and related resources

Dependent care ﬂexible spending account: Pay for up to $5,000 of daycare expenses with

pre-tax dollars

Fertility Solutions Program: Education, counseling and support plus coverage of up to $25,000 for

medical and surgical expenses and $10,000 for prescriptions when enrolled in a UnitedHealthcare

medical plan

Lactation breaks and mothers’ rooms: Time and a private space to express milk at work

Leaves of absence: All parents welcoming a new child through birth or adoption receive 10 weeks of

paid parental leave. Additionally, the parent giving birth receives an additional nine weeks of paid

pregnancy disability leave, for a total of 19 weeks of paid leave

Maternity Support Program: Free when you’re enrolled in a UnitedHealthcare medical plan (see page 8)

Surrogacy assistance: Reimbursement of up to $10,000

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Support for

your parenting

journey

Your bottom line matters. Make the most of your spending with pre-tax savings and valuable discounts.

Health Savings Account (HSA)

An HSA provides a tax-advantaged means for you to save and pay for qualiﬁed healthcare expenses, including doctor

and dentist visits, prescriptions, glasses, contact lenses and more. Enroll in a U.S. Bank HSA Advantage medical plan

to contribute and to receive up to $500 (if you cover yourself) or up to $1,000 (if you cover one or more family members)

annually from U.S. Bank. You own your HSA and all the money in it — even if you change medical plans or employment.

There’s no deadline to use your HSA balance, so you can save for future medical expenses, including those you may have

in retirement.

Flexible Spending Accounts (FSAs)

With our FSAs, you save on taxes when you pay for expenses with pre-tax dollars. Estimate your expenses carefully — in

most cases, you’ll lose any money not used for the year.

Healthcare FSA (either general purpose or limited purpose depending on your HSA eligibility) for qualifying

medical, dental, vision and hearing expenses. Your entire annual contribution amount is available at the

beginning of the year. You may carry up to $500 to the next year if you enroll again the following year, but

you’ll lose any additional unused balance. Certain exceptions applied as a result of the COVID-19 pandemic.

Dependent care FSA for daycare expenses. Under normal plan rules, you may be able to change your

contributions during the year if you or your spouse/domestic partner experience a qualifying job change.

This can only be used to allow you or your spouse to work. You also may want to consult your tax advisor

regarding other child and dependent care tax credits.

Parking FSA for work-related parking expenses. Start, stop or change your participation month by month.

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Support for

your budget

Commuter plans

Choose the Transit Plan to purchase your transit or vanpool

vouchers before-tax and enjoy the convenience of receiving

them at your home. Or, in the seven-county Minneapolis/St.

Paul metropolitan area, purchase a Metropass at a reduced

price. With either, U.S. Bank contributes $35 toward your

commuting expense every month you participate and you

have the ﬂexibility to cancel or change your participation on

a monthly basis.

Discounts and reimbursements

Maximize your spending on day-to-day and major expenses:

• Exclusive employee offers on U.S. Bank ﬁnancial

products through My Money, My Goals

• Tuition reimbursement

• 50% reimbursement of already discounted WW

(formerly Weight Watchers) membership fees

• Discounts on gym memberships, higher education,

hotels, restaurants, movie theaters, retailers, ﬂorists,

electronics, national attractions, travel and more through

the U.S. Bank Discount Program, powered by Abenity

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Protection for

you and your

loved ones

Your peace of mind matters. Rest easy with programs that replace a portion of your income if you’re unable to work,

protect your or your loved ones’ ﬁnancial future and lend a caring hand in challenging times.

Short-term and long-term disability

If you’re unable to work due to illness or injury and have been eligible for beneﬁts for at least one year, you may be eligible

to receive 100% pay replacement for up to 13 weeks and 60% for another 13 weeks, if needed, under short-term disability.

If you’re still unable to work after 26 weeks, Long-Term Disability (LTD) applies. At enrollment, you elect either 50 or 60%

pay replacement for LTD. If you’re full-time, you receive the 50% of pay coverage option at no cost and may buy-up to

60%.

Term life insurance

If you’re a full-time employee, you automatically receive term life insurance coverage equal to your annual pay (up to

$300,000) at no cost, with the option to purchase more. If you’re regular part-time, you can purchase up to 10 times your

annual pay ($4 million maximum). During your initial enrollment, select up to three times pay ($750,000 maximum) without

evidence of insurability. At subsequent annual enrollments, you may purchase or increase coverage by one-times pay (up

to the lesser of three times pay or $750,000) without evidence of insurability.

Dependent term life policies are available, too. For your spouse or domestic partner, choose up to $100,000. At your

initial enrollment, up to $50,000 is available without evidence of insurability. At subsequent annual enrollments, evidence

of insurability is required for new or increased coverage. For your children, choose up to $25,000 without evidence of

insurability. You may increase coverage during future annual enrollments or during the year if you experience a qualifying

status change. You can even continue employee and dependent policies if you leave U.S. Bank, with certain restrictions.

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Critical Illness Protection

This plan provides additional ﬁnancial support if you are

diagnosed with a qualifying critical illness or condition. It

covers 18 critical illnesses like cancer, stroke and heart

attack, plus an additional six critical illnesses speciﬁcally for

children. You receive a lump sum amount to help you pay

out-of-pocket expenses, including:

• Medical plan deductibles or coinsurance.

• Rent, mortgage, childcare, groceries, or other daily

living expenses.

You can choose from two coverage options and cover your

family members as well. Premiums vary by the option you

choose, whom you cover and other factors like age and

tobacco use.

Bonus – Each year you and/or your spouse or domestic

partner enroll in Critical Illness Protection and complete

at least one qualifying health screening, you’ll receive a

$50 wellness reward, which can help offset what you pay

for coverage.

Accident Protection

This plan pays a ﬁxed beneﬁt amount to offset costs

associated with treatment of common injuries, like a

concussion, dislocation, broken bone or burn. The money

you receive can ease the ﬁnancial burden of out-of-

pocket costs:

• Initial care you need immediately after an accident,

such as ambulance services and emergency room,

urgent care or doctor visits.

• A stay in the hospital or intensive care.

• Follow-up care, like X-rays, physical therapy, doctor visits or medical devices.

In the event of a qualifying accident, you decide when and how to use the money.

You also receive additional ﬁnancial protection if you’re injured while participating in an organized sport. And if you’re

hospitalized and have young children, you can receive additional money to help pay for up to 30 days of daycare.

You can choose from two coverage options and cover your family members, as well. Premiums vary depending on the

option you choose and whom you cover.

The Critical Illness Protection and the Accident Protection beneﬁts are voluntary, and are excepted beneﬁts in that they do not coordinate with

coverage under any medical plan.

Sick and Safe Leave

When you need time off for medical appointments, personal illness, the illness of a family member, to care for a family

member when their school or place of care is closed due to a public health emergency, and other reasons as allowed by

law, Sick and Safe Leave has you covered. Accrue one hour for every 30 hours worked up to 80 hours each calendar year

(unless you work in California or Washington where there’s no accrual limit) and carry up to 80 hours over to the next year.

Accrued time is capped at 80 hours at any given time.

Business Travel Accidental (BTA) death and dismemberment insurance

You are protected by BTA insurance at no cost to you. It provides a beneﬁt if you die or sustain certain injuries at work or

while traveling on U.S. Bank business.

Accidental Death and Dismemberment (AD&D) insurance

Elect coverage for yourself, or include your family in multiple coverage levels for protection in the event of accidental death

and certain accidental injuries and conditions.

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A helping hand anytime, anywhere

Get practical information, resources, tools and support

that can assist with all of life’s challenges — personal

and professional, ﬁnancial, legal, health, family,

relationships and more. From research and general

support to counseling and critical assistance in a

crisis, you can count on conﬁdential 24/7 assistance

from Optum.

Support from employees for employees

Funded by employee donations, our Employee

Assistance Fund provides one-time grants to help

employees experiencing ﬁnancial hardship due

to unexpected events, like destructive ﬁres or

storms, illness or death of a family member, or

military deployment.

Time away when it matters most

In addition to vacation time and disability, parental

and sick leaves, you may have access to other time

away – including funeral and bereavement time, family

medical leave and personal leaves – to care for your

personal priorities.

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Support for

your life

outside of

work

Work is just one part of your life. Relax, recharge and connect with your friends, family and community with paid time off.

Vacation

Your paid vacation is based on your scheduled hours, years of service and job grade. Vacation during your ﬁrst year of

service is prorated based on your start date and you will begin earning vacation at the rate of 1/12 of the annual total on

the ﬁrst of the month following three full months at the company.

Purchased vacation

Each annual enrollment, you may purchase up to one week of additional vacation in one-hour increments, not to exceed

your scheduled weekly hours.

Paid holidays

U.S. Bank recognizes 11 holidays and provides eligible employees one My Holiday per calendar year. Use your My Holiday

to recognize or celebrate a day of signiﬁcance to you. New employees are immediately eligible for holiday pay, a My

Holiday and ﬂoating holidays.

Empowering you in your community

We believe in making our communities the best places to live, work and play. That’s why we encourage you to take

up to 16 hours of paid time off with Volunteer Days. We also have programs to match your charitable contributions and

personal volunteer time with a monetary match.

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This document provides highlights of various U.S. Bank employee beneﬁts, programs and policies. See ofﬁcial plan/program documents for

qualiﬁcations, limitations and details. In all cases, the ofﬁcial plan/program documents govern.

Years of service Grades 4-9 Grades 10-13 Grades 14+

1-4 2 weeks 3 weeks 4 weeks

5-9 3 weeks 3 weeks 4 weeks

10-14 3 weeks 4 weeks 4 weeks

15-24 4 weeks 4 weeks 4 weeks

25+ 5 weeks 5 weeks 5 weeks

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