This page provides highlights of various employee benefits, schemes, plans and policies offered by U.S. Bancorp India in India. This page is only a summary provided solely for your general convenience and reference, and it is not intended to, and shall not, create any contractual rights or obligations, constitute a representation or guarantee of benefits, or amend, modify, override, or replace the applicable scheme, plan or policy documents in force from time to time. Refer to official scheme, plan or policy documents, as applicable, for qualifications, limitations and details. In all cases, the official scheme, plan or policy documents, as applicable, will prevail. Membership of, and benefits under, any scheme, plan or policy are subject to the terms and conditions of such scheme, plan or policy and are conditional on you complying with and satisfying any applicable requirements of the scheme, plan or policy (and where relevant, the insurer). Subject to applicable law, we reserve the right to vary, amend, withdraw, discontinue or substitute any benefit scheme, plan or policy in which you may be entitled to participate at any time.