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State Street Retirement Plan
Summary Plan Description
STATE STREET CORPORATION
This material is a Summary Plan Description (SPD) of the State Street Retirement Plan and replaces all
prior descriptions of the Plan. The information contained in this booklet is intended as a summary of the
State Street Retirement Plan in effect as of January 1, 2008. This booklet is intended to be an easy-to-
understand explanation of your benefits. It is not, however, a comprehensive explanation of each and
every provision of the Plan, which are described in detail in the official Plan document. In the event of
any conflict between the Plan provisions as stated in the Plan document and as stated in this SPD, the
provisions of the Plan document will govern. State Street Corporation reserves the right to amend or
terminate the State Street Retirement Plan at any time, for current and/or future participants, retirees,
beneficiaries and alternate payees, and no provision in this SPD shall grant a vested or guaranteed right to
have any current provision apply in the future.
The State Street Retirement Plan is subject to approval by the Internal Revenue Service (IRS).
Participation in the State Street Retirement Plan is not an offer or guarantee of employment or an
employment contract.
Reminder: This document and more information about your pension are available on the State Street
Benefits Center Web site at http://statestreet.csplans.com and by calling the State Street Benefits Center
Voice Response Unit (VRU) at 1-800-985-3863.
Publication Date: June 12, 2008
What's Inside
Highlights...................................................................................................................................................... 1
Eligibility ...................................................................................................................................................... 1
Participation .............................................................................................................................................. 2
Your Beneficiary....................................................................................................................................... 2
Naming Your Beneficiary..................................................................................................................... 2
If You Have a Spouse ........................................................................................................................... 3
If You Do Not Have a Spouse .............................................................................................................. 3
If There Is No Named Beneficiary........................................................................................................ 3
Changing Your Beneficiary .................................................................................................................. 4
Plan Costs ..................................................................................................................................................... 4
Individual Accounts ...................................................................................................................................... 4
Basic Credits ............................................................................................................................................. 4
Special Transition Credits..................................................................................................................... 4
Interest Credits .......................................................................................................................................... 6
Vesting .......................................................................................................................................................... 6
Vesting Service ......................................................................................................................................... 7
Accessing Your Retirement Plan Account.................................................................................................... 7
Account Statements .................................................................................................................................. 7
Receiving Your Vested Plan Benefit ............................................................................................................ 8
Normal Forms of Payment.................................................................................................................... 8
Optional Forms of Payment .................................................................................................................. 8
Required Spousal Consent for Optional Forms of Payment ..................................................................... 9
If Your Account Balance Is $5,000 or Less.............................................................................................. 9
If You Are Not Vested ............................................................................................................................ 10
If You Are Employed After Age 70?..................................................................................................... 10
Taxation of Pension Benefits .................................................................................................................. 10
In the Event of Your Death ......................................................................................................................... 10
If You Take a Leave of Absence ................................................................................................................ 10
Long Term Disability.............................................................................................................................. 10
Other Leaves of Absence ............................................................................................................................ 11
Military Leave......................................................................................................................................... 11
When Participation Ends............................................................................................................................. 11
If You Leave the Company and Are Rehired.......................................................................................... 11
Special Provisions in the Event of Merger or Acquisition.......................................................................... 12
General Retirement Plan Information ......................................................................................................... 15
Assignments and Liens ........................................................................................................................... 15
Qualified Domestic Relations Orders (QDROs)..................................................................................... 15
Plan Continuation.................................................................................................................................... 15
Top-Heavy Rules .................................................................................................................................... 16
Claims and Appeal Procedures ................................................................................................................... 16
Submitting an Appeal ............................................................................................................................. 17
What Happens When .................................................................................................................................. 18
Administrative Information ........................................................................................................................ 19
Plan Information ..................................................................................................................................... 19
Plan Administrator .................................................................................................................................. 20
Plan Sponsor ........................................................................................................................................... 20
Trustee of the State Street Retirement Plan ............................................................................................ 20
Agent for Legal Process.......................................................................................................................... 20
Plan Fiduciary Responsibility ................................................................................................................. 20
IRS Approval .......................................................................................................................................... 21
Pension Trust Fund and Plan Trustee ..................................................................................................... 21
Pension Benefit Guaranty Corporation ................................................................................................... 21
Your ERISA Rights .................................................................................................................................... 21
Receive Information About Your Plan and Benefits .............................................................................. 22
Prudent Actions by Plan Fiduciaries....................................................................................................... 22
Enforce Your Rights ............................................................................................................................... 22
Assistance With Your Questions ............................................................................................................ 22
Appendix A: Special Subsidies for Employees Hired on or Before December 31, 1989 (Grandfathered
Benefit) ....................................................................................................................................................... 24
Grandfathered Benefit Frozen as of August 31, 2003............................................................................. 24
Grandfathered Benefit......................................................................................................................... 24
Grandfathered Benefits Prior to Age 65 ............................................................................................. 25
Death Benefit ...................................................................................................................................... 25
Notes on the Grandfather Benefit ....................................................................................................... 25
Appendix B: Enhanced Benefits Under the 2003 Voluntary Separation Program ..................................... 26
Rehire of 2003 Voluntary Separation Program Participants................................................................... 26


When do 1099 are get sent out? When Is the 1099-R Form Available? The IRS requires those who pay out a distribution to send this form to anyone who got the distribution by January 31 of the year following the year the money got distributed. This follows the same time rules as the IRS expects of an employer to send W-2 forms.

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