Index

About Disability
- Information Sources
- Introduction
- Plan at a Glance

Eligibility and Enrollment

Short-Term Disability Benefits

Long-Term Disability Benefits

Short and Long-Term Disability Benefits Disqualification

Pregnancy / Childbirth

Rehabilitation Program

Administrative and ERISA Information

Key Terms

About The Disability Plan

This summary plan description (SPD) summarizes your benefits under the ExxonMobil Disability Plan. It does not contain all plan details. In determining specific benefits, the full provisions of formal plan documents, as they exist now or as they may exist in the future, always govern. Copies of these documents are available for your review.

Applicability to represented employees is governed by collective bargaining agreements and any local bargaining requirements.

Information Sources

When you need information, you may contact:

Benefits Administration — Customer Service Representatives can provide specialized assistance. References to Benefits Administration throughout this SPD pertain to either ExxonMobil Benefits Administration or ExxonMobil Benefits Service Center as listed below. Depending on your status (employee or retiree), you should contact the appropriate service center.

ExxonMobil Sponsored Sites — Access to plan-related information for employees, retirees, and their family members.

• ExxonMobil Me, the Human Resources Intranet Site — Can be accessed at work by current employees.
• ExxonMobil Family, the Human Resources Internet Site — Can be accessed from home by everyone at www.exxonmobilfamily.com.
• Retiree Online Community Internet Site — Can be accessed from home by retirees and survivors only at www.emretiree.com.
• ExxonMobil Benefits Service Center at ACS Internet Site — Can be accessed from home by everyone at www.exxonmobil.com/benefits.

Introduction

The ExxonMobil Disability Plan provides income to you when you cannot work due to illness, injury or pregnancy/childbirth. The Plan covers both short-term and long-term absences from work caused by on- or off-the-job illnesses and injuries. Besides providing income benefits, the Plan also makes a voluntary rehabilitation program available, when appropriate.

To help you find specific plan information quickly and easily, this SPD includes these helpful tools:

• Plan at a Glance, a quick user's guide highlighting plan basics.
• References throughout the SPD to places you can get more information, such as the HR Intranet site.
• A list of Key Terms containing definitions of some words and terms used in this SPD.
• An Index to help you locate specific items.

A careful reading of this SPD will help you understand how the Plan works so you can make the best use of it. You may obtain additional information through the sources shown on page 1.

Plan at a Glance

Eligibility and Enrollment
Once you are eligible, your participation is automatic. You do not enroll. See page 4.

Short-Term Disability Benefits
These benefits are paid while you are temporarily unable to work due to a disability — whether industrial or non-industrial. See page 5.

Long-Term Disability Benefits
If you are unable to return to work because of your disability, the Plan provides a continuing source of income. The availability, amount and duration of the benefit depends on a number of factors. See page 10.

Rehabilitation
This voluntary program is available if you want to participate and rehabilitation is a realistic goal. See page 19

Payments Can Change
You must meet the Plan's requirements. See page 15.

Guaranteed Payments
The Plan makes a death benefit payment to a surviving beneficiary in certain situations. See page 16

Administrative and ERISA Information
This plan is subject to rules of the federal government, including the Employee Retirement Income Security Act (ERISA). See page 20.

Key Terms
This is an alphabetized list of words and phrases, with their definitions, used in this SPD. See page 27.

Index
You can use this to locate specific topics described in this SPD. See page 31.