Index

About Savings Plan

Savings Plan Account

Your Contributions and the Company Match

Investment Options

Investment Considerations

Implementing Investment Decisions

Changing How Your Money Is Invested

Accessing Your Money

Loans

Withdrawals

Distributions

Information for Participants Who Worked for Mobil Corporation

Information for Participants Who Worked for Paxon or AES

Tax Considerations

Administrative and ERISA Information

Securities and Exchange Commission (SEC) Information

Key Terms

Savings Plan Account Features

Participating in the Savings Plan

Q. When can I participate in the Savings Plan?

A. In general, you are eligible to participate upon employment or at any time while employed. If you are a non-regular employee, you must complete one year of service before you can enroll and begin contributing. Participation in the Savings Plan is completely voluntary.

Eligibility

Most U.S. dollar-paid employees of Exxon Mobil Corporation and participating affiliates are eligible for this plan. See the definition of Eligible Employee on page 64 of the Key Terms section.

Enrollment

Your participation in the Savings Plan will start on the first day of the pay period after you complete the enrollment process. An enrollment package will be sent to you when you are first eligible to participate.

Beneficiary Designation

Standard Beneficiary Designation
A beneficiary is the person or persons who will receive your account in the event of your death. If you have not named a beneficiary and you die while you are a participant, your Savings Plan account will be paid to the first of the following who survive you, according to the standard beneficiary designation:

• Your spouse.
• Your children and the children of a child who died before you.
• Your parents.
• Your brothers, sisters and the children of a brother or sister who died before you.
• The executors or administrators of your estate.

For purposes of the standard beneficiary designation, your child, parent, brother or sister include only someone who is your legitimate blood relative or whose relationship with you is established by virtue of legal adoption.

Special Beneficiary Designation
If the standard beneficiary list does not meet your needs, you may name a beneficiary to receive your plan benefits. If you marry, any prior beneficiary designation will be canceled. If you are married and want to name a beneficiary other than your spouse, your spouse must agree to that designation in writing. If your spouse does not consent, the above standard beneficiary designation will apply.

Beneficiary designation forms and instructions are available on the Savings Plan Web site at http://xomsavings.ingplans.com or on the ExxonMobil Benefits Web at www.exxonmobil.com/benefits.

If you die before your entire account is distributed and your surviving spouse is your beneficiary, he or she assumes the account and will have an opportunity to designate a beneficiary. Effective January 1, 2008, if a surviving spouse beneficiary has not named a beneficiary and dies before the entire account is distributed, the account will be paid to his or her estate.

Certain SeaRiver Maritime and Former Fuels Marketing Savings Plan Participants
Additional protection for surviving spouses may apply to a portion of your Savings Plan account if you do not name your spouse as your primary beneficiary.

Management of the Savings Plan

The Savings Plan Trustee (a group of individual trustees employed by the company), the Administrator-Finance, the Administrator-Accounting, and the Administrator-Benefits are responsible for the management of the Savings Plan (see pages 53-54).

The Savings Plan Web site at http://xomsavings.ingplans.com and the Savings Telephone Service (STS) at 877-966-4015 are available for account information and transactions.