Index

About Savings Plan

Participating in the Savings Plan

Savings Plan Account

Your Contributions and the Company Match

Investment Options

Investment Considerations

Implementing Investment Decisions
- Individual Account Investment Elections
- Combined Investment Election
- The Process
- Investment Earnings

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

  

green square Implementing Investment Decisions

Q. Do I need to make the same investment decision for every account?

A. No. You can make different investment decisions for each account (Before Tax, After Tax, and General) or you can make the same investment decisions for all your accounts.

  • Catch-up contributions: Your investment election for the Before-Tax Account will also apply to the elections for any catch-up contributions you make.
  • Special contributions and rollover contributions. Elections for these contributions are made at the time you complete the information required to make this type of transaction.
The Savings Plan follows the requirements under Section 404(c) of ERISA. This means that the Savings Plan offers a range of investment options and the opportunity to make your own investment decisions. You are provided information on these investment options (including risk/return characteristics). As a result, Savings Plan fiduciaries generally are not liable for losses resulting from your investment decisions.


green square Individual Account Investment Elections

When you make Individual Account Investment Elections, you are making separate investment decisions for your Before-Tax Account, After-Tax Account, and General Account, whichever of these apply. For example, if you make an individual account investment election for your General Account, you are investing all future company match amounts directed to your General Account among the investment options you choose in the percentages you indicate. These percentages may be different than elections made for your Before-Tax and After-Tax Accounts.

green square Combined Investment Election

When you make a combined investment election, you are making the same investment decision for your Before-Tax, After-Tax, and General Accounts. Thus, you are investing all your future contributions to your Before-Tax Account and After-Tax Account and your future General Account company match among the same investment options in the percentages you indicate.

green square The Process

In either case – combined investment election or individual account investment elections – you choose the percentage you want to invest in each investment option. You may invest in any one option, or you may divide your contributions and company match (in whole percentages) among the investment options.

Once your election is processed, it will remain in effect until you change it. You may change your election at any time. Any new election supersedes your previous election and generally will become effective at the next scheduled investment purchase.

green square Investment Earnings

Any earnings on investments in your Savings Plan account are credited as follows:

  • Any dividends on ExxonMobil stock are used to purchase additional shares of stock unless you elect to receive the dividends directly in cash. Historically, dividends have been paid in March, June, September and December.
  • Any earnings, dividends or other income on, or changes in market value of Equity Units, Extended Market Units, International Equity Units, Bond Units and Balanced Fund Units are included in the net asset value and are reflected in the daily price of the respective units.
  • Any earnings on Common Assets are reinvested automatically to purchase additional Common Assets. Earnings are posted as of the end of each calendar quarter and are allocated among participants in proportion to each participant's average daily Common Assets balance in his or her Savings Plan account during the quarter.

The contributions and company match you direct to each investment option are not likely to result in an exact multiple of the current share or unit prices. Partial shares or units of all investment options in the Savings Plan are credited to your account. This helps ensure that any contributions are fully invested in the investment options you direct.

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.