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When Do Benefit PaymentsCommence?What Happens to Your RetirementBenefit If You Die Before You Retire?Retirement benefit payments will commenceapproximately five weeks after your benefitcommencement date. This timing ensures thatall of your pay can be appropriately included inthe calculation of your final benefit.If you are a vested member of the RetirementPlan and you die before you retire, the Plan willprovide a lump sum benefit.Are There Tax Consequences toReceiving Your Retirement Benefit?Yes. There may be tax consequences toreceiving your Retirement Plan benefit. To helpyou make an informed decision, please reviewthe information regarding payment options andtax rules in the Retirement Plan Summary PlanDescription (SPD) and Andeavor Pension PlanSPD. You can also consult a financial planner/tax advisor and reference the Fidelity electionpaperwork and the Fidelity SpecialTax Notice.If you take a lump sum benefit, you can elect adirect rollover to another qualified plan, such asthe Thrift Plan or an Individual RetirementAccount (IRA). You can also elect to have thelump sum payment paid directly to you, withpossible tax consequences. If you decide tomake a rollover to an IRA, the account wouldneed to be set up in advance with yourfinancial planner/tax advisor.If you are married, your eligible survivingspouse can elect the lump sum benefit or amonthly annuity as described in the RetirementPlan SPD and the Andeavor Pension Plan SPD.If you are single, your named beneficiary orestate will receive the lump sum benefit — thereis no monthly annuity option in this case. Note:Under the Andeavor Pension Plan, you canname a beneficiary other than your spouse,with their consent.Keep Leadership and HumanResources InformedSince the Company considers retirementdiscussions confidential, Marathon Petroleumis not notified of your intention to retire untilyour signed forms are received by Fidelity.Since this event may occur after your date ofretirement, you need to contact your leadershipand your local HR Business Partner prior toyour last day of work.AVAILABILITY OF SUMMARY PLANDESCRIPTION (SPD)The Retirement Plan Summary PlanDescription (SPD) and Andeavor PensionPlan SPD on www.myMPCbenefits.comprovide you with a general description of allforms of benefits available through theRetirement Plan, as well as important taxinformation you will need before decidinghow to receive your Plan benefits. If youdo not have access to the Internet, pleasecall the MPC Benefits Service Center at1-888-421-2199 (option 1, then 3) for aprinted copy.2022 Retirement Benefits Guide 4

Thrift PlanWhat Options Do You HaveRegarding Your Thrift Plan Account?Can You Initiate Loans andWithdrawals After Retirement?As a retiree, you will no longer be able to makepayroll contributions to your Thrift Plan account.However, with the money existing in theaccount, you have several options. You can: Leave your money in the Thrift Plan (if theamount is greater than 5,000).You can initiate withdrawals online or bycontacting Fidelity. You can take a partialdistribution, known as a retired memberwithdrawal, or a total distribution from yourThrift Plan account. Retirees are not able toinitiate new loans. Roll it over to an IRA or another qualifiedplan.Are There Tax Consequences toTaking a Withdrawal? Take a lump sum distribution.Withdrawals do have potential tax consequences.On all monies distributed to you, 20% federaltaxes will be withheld from the taxable portionunless you elect a direct rollover. If you are notat least age 55 in the year you retire, or havenot yet attained age 59½ at the time of thewithdrawal, your tax liability (at the time you filethat year’s tax return) may include a 10% earlydistribution penalty, in addition to your ordinaryincome taxes. Roll it over into a new employer’s qualifiedplan (if you decide to find employment inretirement and the new plan acceptsrollovers).If you leave your money in the Thrift Plan, youcan manage your account in much the sameway you did as an active employee. You can: Change your beneficiary designation (withspousal consent). Make transfers among investment options. Continue existing loans that are re-amortizedto a monthly payment schedule. Take up to four retired member withdrawalseach year. Rollover into the Thrift Plan a lump sumbenefit from the Retirement Plan(s). Rollover into the Thrift Plan from an IRA(excluding Roth) or other qualified plans.And as a retired member, you can also elect: Annual, semi-annual or monthly installmentpayments.What If You Have an Existing Loan?Your existing loan(s) can be continued; there isno mandatory payoff simply because you retire.You should contact Fidelity to find out how tomake monthly payments after you retire.Can I Continue to Receive UpdatesFrom Fidelity Via Email RegardingMy Thrift Account After Retirement?Yes. Log in to www.netbenefits.com/marathonpetroleum, select “Your Profile” thenselect “Email Address.” You can then add orupdate your home email address.What Are Installments and How DoThey Work?As a retiree, you are eligible for another type oftransaction not available to active employees.This transaction is called an “installment.”Installments, also known as SystematicWithdrawal Payments (SWPs), are a type ofautomatic scheduled withdrawal.Installments can be designed to avoid certaintax consequences, or simply for theconvenience of having regularly scheduledpayments.You can elect installments as an annualpayment, semi-annual payments or monthlypayments. These payments can beelectronically transferred to your bank account.2022 Retirement Benefits Guide 5

Are There Tax Consequences toReceiving Installments?What Happens to Your Thrift PlanAccount If You Die?If you retire prior to the year in which youattain age 55, you could be subject to an earlydistribution tax penalty equal to 10% of thetaxable portion of each withdrawal. If your named beneficiary is yourspouse: Your spouse is permitted to remainin the Plan for life and can take installmentsand/or up to four partial withdrawals a year.However, if the balance of your account is 5,000 or less, your spouse mustcommence final settlement no later than 60days after the close of the Plan year duringwhich you died.To avoid this tax penalty, substantially levelpayment amounts can be projected by theFidelity RBC. These payments are usuallydetermined by amortizing your total accountbalance over the number of years equal to yourlife expectancy at an approved interest rate.Once installments commence, if you modify thepayment amount prior to the later of age 59½or five years from your first payment or takeadditional withdrawals, all payments could besubject to the 10% tax plus interest. (After thelater of age 59½ or five years, you may changeor discontinue your installments withoutincurring the 10% penalty.)If you retire in the year in which you will beat least age 55, you can establish a paymentamount that fits your budget. You would alsohave four retired member withdrawals availableto you in addition to your automatic paymentschedule. Your installments and retired memberwithdrawals from your Thrift Plan would not besubject to the 10% early distribution penalty. If your named beneficiary is not yourspouse: He/she may maintain an openaccount for up to five years from the date ofyour death and is allowed to take up to fourpartial withdrawals a year. If your accountbalance is 5,000 or less, your beneficiarymust request final settlement no later than 60days after the close of the Plan year in whichyou die.CONSULT A TAX PROFESSIONALBecause the tax rules around withdrawalscan be very complex, Marathon Petroleumstrongly encourages you to consult with atax advisor before taking a withdrawal fromyour Thrift Plan account.Call the Fidelity RBC if you have any questionsabout or would like to set up installmentpayments. Additional information about taxrules can be found in the Thrift Plan section onwww.myMPCbenefits.com.2022 Retirement Benefits Guide 6

PRE-65 Retiree Health Plan*What Medical Coverage Is AvailableFrom Marathon Petroleum WhenYou Retire?The Marathon Petroleum Retiree Health Plan(Retiree Health Plan) is administered byAnthem BlueCross BlueShield (for medicalexpenses) and Express Scripts (for prescriptiondrug expenses). The Kaiser CA HMO isavailable in certain locations. Your eligibility forthe Retiree Health Plan is dependent upon yourdate of hire, your years of accredited serviceand your age at retirement. Note: Special rulesapply if you were hired or rehired on or afterJanuary 1, 2008. Also, employees hired withMarathon Petroleum through an acquisitionmay have different eligibility requirements.Contact the MPC Benefits Service Center at1-888-421-2199 (option 1, then 3) for youreligibility.Once your retirement is entered in our HRsystem, you must complete the Retirement lifeevent in the Benefitsolver system within 31 daysof your retirement date to waive or enroll in theRetiree Health Plan. You and your spouse/domestic partner remain eligible for coverageunder the Retiree Health Plan until age 65. Note:New dependent(s) acquired after a retireemember's date of retirement are not eligiblefor coverage under the Retiree Health Plan.Will Your Health Plan ContributionsChange?Yes. Although your contributions for RetireeHealth Plan premiums will continue to besubsidized by the Company, your premium willbe higher. Since Retiree Health Plan usage ishigher, retiree premiums are higher than thoseof active employees.The method used to determine the Companysubsidy toward your Retiree Health Planpremium is the 4% accrual method, under whichyou receive 4% of the Company subsidy foreach year of service after the age of 30.Call an MPC Benefits Counselor at1-888-421-2199, (option 1, then 3), to find outwhat your earned percentage and cost will bewhen you retire. After you have made yourbenefit elections and your billing account iscreated, you will receive a notification fromBenefitSolver letting you know your account isopen and you have a balance due. After theinitial notification, premium and billing notices willgenerate at the beginning of each month.For information regarding Medicare supplementoptions when you or your spouse/domesticpartner turn age 65, or if you or your spouse/domestic partner are age 65 or older at thetime you retire, see “What Happens to YourCompany Medical Coverage When YouBecome Medicare Eligible (Age 65)?” onpage 10.Employees hired (as well as those who becamebenefits eligible) on or after January 1, 2019are not eligible for the Retiree Health Plan.Legacy Andeavor employees hired by Andeavoron or after January 1, 2016 are not eligible forthe Retiree Health Plan.* For questions regarding eligibility for the Retiree Health Plan,contact the MPC Benefits Service Center at1-888-421-2199 (option 1, then 3).2022 Retirement Benefits Guide 7

2022 Health Plan MonthlyRetiree Contributions1Monthly ContributionsClassic OptionRetiree OnlySaver HSA Option 189.40 103.00 378.40 201.00Retiree Child(ren) 378.40 201.00Family 567.80 328.00Retiree Spouse/Domestic Partner2 onthly contribution amounts for the Health Plan's Classic and Saver HSA options shown above are for retirees with 100% of the CompanyMsubsidy. A complete list of accrual rates can be found at www.myMPCbenefits.com.2 The IRS considers the Company's contribution for Domestic Partner coverage (if not a tax dependent) to be a taxable benefit, which isincluded as imputed income for participants if elected.1Monthly Contributions2022 Kaiser HMO Health PlanRetiree Contributions1Retiree OnlyNorthernSouthern 458.41 322.73 1,100.82 819.92Retiree Child(ren) 736.02 528.23Family 1,255.23 613.29Retiree Spouse/Domestic Partner2 onthly contribution amounts for the Kaiser Northern California and Kaiser Southern California options shown above are for retirees with 100%Mof the Company subsidy. A complete list of accrual rates, Summaries of Benefits and Coverage and Evidence of Coverage documents can befound at www.myMPCbenefits.com for Medical and Prescription coverage information for Kaiser Northern and Southern HMO plans.2 The IRS considers the Company's contribution for Domestic Partner coverage (if not a tax dependent) to be a taxable benefit, which isincluded as imputed income for participants if elected.12022 Health PlanOptions Comparison(includes Medical,Surgical, Mental Healthand Substance Abuse)DeductibleOut-of-Pocket (OOP) Maximum1CoinsuranceOffice VisitPreventive ServicesER Charge12Classic OptionIn-network benefitsSaver HSA OptionIn-network benefits 600 Individual 1,400 Retiree Only 1,200 Retiree Dependent(s)2 3,500 Individual 7,000 Retiree Dependent(s) 5,000 Individual2You pay 20% after deductible 20 for primary care; 50 for specialist and urgent careYou pay 20% after deductiblePlan covers at 100% (no deductible)Plan covers at 100% (no deductible) 200 charge, then deductibleplus 20% coinsuranceDeductible, then 200 charge,then 20% coinsuranceMedical and prescription drug expenses will apply toward meeting the out-of-pocket maximum.Retiree Dependent(s) covers Retiree Spouse/Domestic Partner, Retiree Child(ren) and Retiree Family.DeductibleOut-of-pocket (OOP)Maximum1Coinsurance28 10,000 Retiree Dependent(s)2You pay 20% after deductibleClassic OptionOut-of-network benefits1 2,800 Retiree Dependent(s)2Saver HSA OptionOut-of-network benefits 1,200 Individual 2,800 Retiree Only 2,400 Retiree Dependent(s) 5,600 Retiree Dependent(s)2 7,000 Individual 10,000 Individual 14,000 Retiree Dependent(s) 20,000 Retiree Dependent(s)You pay 40% after deductibleYou pay 40% after deductibleOffice VisitYou pay 40% after deductibleYou pay 40% after deductiblePreventive ServicesYou pay 40% after deductibleYou pay 40% after deductibleER Charge 200 charge, then deductibleplus 20% coinsuranceDeductible, then 200 charge,then 20% coinsuranceMedical and prescription drug expenses will apply toward meeting the out-of-pocket maximum.Retiree Dependent(s) covers Retiree Spouse, Retiree Child(ren) and Retiree Family.2022 Retirement Benefits Guide 8

Prescription Drugs (Rx)Prescription drug coverage for the Classic and Saver HSA Retiree Health Plan options is administered byExpress Scripts. You will automatically receive prescription drug coverage if you enroll in either option.Your prescription drug costs will depend on the option you elect, whether you purchase at a retailpharmacy or through mail order and the type of prescription drugs you buy (i.e., generic or brand name).All prescription and specialty drugs MUST be purchased through Express Scripts mail order or at aparticipating network pharmacy, or there will be no coverage from the Plan.Members may receive a 90-day supply through a Walgreens pharmacy or the Express Scripts mailorder pharmacy.Classic OptionCombined with medicalOut-of-Pocket MaximumPrescription Annual DeductibleRetail (30-day supply)2: Generic Drugs* Preferred Brand Drugs Non-Preferred Brand DrugsSaver HSA OptionRetail and Mail Order Combined — 100 Individual; 200 Family 10 after deductible 30 after deductible 60 after deductibleMail Order (90-day supply)2: Generic Drugs* Preferred Brand Drugs(includes Specialty Drugs) Non-Preferred Brand Drugs 25 75 150Combined with medicalYou pay 20% after deductible1You pay 20% after deductible1 Certaingeneric preventive drugs under the Saver HSA option are covered at 100%. A list of these drugs can be found atwww.myMPCbenefits.com.2 To encourage the use of Mail Order or Smart90-Walgreens, there will be no coverage for the third and subsequent fills of a “maintenancedrug” purchased at other participating retail pharmacies. You will pay 100% of the cost of the medication.1Will You Be Eligible for RoutinePhysical Exams and Preventive Care?Yes. As long as you are enrolled in the RetireeHealth Plan, you and your covereddependent(s) are eligible for routine physicalexams and preventive services. Preventiveservices information can be found atwww.myMPCbenefits.com.Can You Waive Retiree Health PlanCoverage at Retirement, But LaterRe-enroll?Eligible retirees with a retirement date on orafter January 1, 2021 have the option to waivecoverage in the Retiree Health Plan atretirement and be allowed a one-timeopportunity to enroll during a future AnnualEnrollment period or due to a qualifying event,with proof of continuous creditable coverageduring the waived period.2022 Retirement Benefits Guide 9

What Happens to Your CompanyMedical Coverage When YouBecome Medicare Eligible (Age 65)?Once you become eligible for Medicare at age65, your Retiree Health Plan coverage ends, orif you are over age 65 when you retire, youractive employee Health Plan coverage ends.However, you’ll have the opportunity tosupplement or replace your Federal Medicarecoverage with an individual plan through aprivate insurance company. Thesesupplemental or replacement plans areavailable to anyone who is Medicare eligibledue to reaching age 65, regardless of incomelevel. Please note: You and your spousemust each make a separate election.A few months prior to your 65th birthday (orwhen you retire if you or your spouse are age 65or older at the time of your retirement), you willreceive an informational packet from Via Benefitsdetailing your options. Benefit advisors from ViaBenefits will be available to help you pick theplan that works best for you based on yourcurrent doctors, prescriptions and budget, andwill guide you through the enrollment process,answering any questions you may have.Medicare Supplemental PlansVia Benefits offers three different types ofsupplemental plans to those who are Medicareeligible at age 65. These plans provide coveragebeyond what traditional Medicare(Parts A and B) offers: Medicare Advantage (Part C): Theseplans — MAPD (with prescription drugcoverage) and MA (no prescription drugcoverage) — provide all the Medicare Parts Aand B coverage, plus additional benefits.There are also three provider networks: HMO,PPO and Private Fee-for-Service. Medigap: Supplemental coverage that fillsthe “gaps” in Medicare coverage. Part D: Optional prescription drug coverage.If you are a legacy Marathon Petroleum employeeand were last hired or re-hired as a regularfull-time or regular part-time employee prior toJanuary 1, 2008, and are Medicare eligible dueto reaching age 65, Marathon Petroleum willprovide a subsidy toward the cost of medicalcoverage for you and your Medicare-eligiblespouse. The subsidy is in the form of acontribution to a tax-free Health ReimbursementAccount (HRA) administered by Via Benefits.You can use HRA funds to pay for eligible healthcare expenses such as monthly premiums,deductibles and copayments, as well as visionand dental expenses. The amount of the subsidyis based on the final accrual percent you earnedupon retirement.Health Care Flexible SpendingAccount (FSA) and Limited PurposeHealth Care Flexible SpendingAccount (LPFSA)Your deduction will stop with your last paycheck.You can continue to submit claims with a date ofservice prior to your employment terminationdate. All claims incurred must be filed by May 31,2023. If you participate in the Health Care FSA orLPFSA and you have not used all of your accountbalance by your retirement date, you may beeligible to extend your access to the account byelecting COBRA. You will receive notice aboutthis option from BenefitSolver in your COBRAelection package.2022 Retirement Benefits Guide 10

Health Savings Account (HSA)Marathon Petroleum’s Health Savings Account(HSA), administered by Fidelity, is a triple-taxadvantaged account you can use to payfor qualified health-related expenses, includingcopays, coinsurance and deductibles formedical, prescription drug, dental and visionexpenses. You are eligible to open an HSA onlyif you enroll in the Saver HSA opti

Your Retirement Plan Benefits? Once you have a retirement date in mind, you can use Fidelity NetBenefits, www.netbenefits. com/marathonpetroleum, a web-based benefits information tool, to estimate your Retirement Plan benefit. If you do not have online access, you can call Fidelity at 1-866-602-0595 to request an estimate.