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

Changing How Your Money Is Invested

Accessing Your Money
- Savings EFT Election
- Direct Dividend Payments

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 Accessing Your Money

Q. How can I access money in my Savings Plan account?

A. Although the Savings Plan is designed primarily to help build financial security for retirement, it also gives you some access to money while you are employed. There are several ways to access money from your Savings Plan account. The following chart summarizes whether you can access your money through dividends, loans, withdrawals and distributions, depending on your employment status.

  Active Employees Retirees Other Former Employees See Page
Direct dividend payments Yes Yes Yes 30
Loans Yes No No 31-33
Withdrawals Yes Yes Yes 34-36
Diversification distribution of part of your Stock Match Account* Yes No No 37-39
Partial distributions No Yes No 37-39
Minimum distributions as required by law No Yes No 37-39
Total distributions No Yes Yes 37-39

*After you reach age 55 and complete 10 years of Savings Plan participation and you are employed on the last day of the calendar year that you meet these requirements. As long as you satisfy the eligibility requirements on the last day of the calendar year, you can make the diversification distribution election in the following year.

Note: For information on the tax consequences of these alternatives, see Tax Considerations beginning on page 47.

For additional information for former Mobil employees, see the section beginning on page 40.

For additional information for former Paxon and AES participants, see the section beginning on page 44.

green square Savings EFT Election

Electronic Funds Transfer (EFT) is available for most types of Savings Plan cash payments (excluding loans). If you elect Savings EFT for a particular transaction, payments will be deposited electronically to the account on record with the Savings Plan. For active employees, this is the same as the bank account used for payroll purposes.

green square Direct Dividend Payments

Any dividends paid on ExxonMobil stock held in your Savings Plan account are reinvested automatically and credited in the form of additional shares of stock, unless you elect to receive direct dividend payment in cash.

You may elect to receive any whole percentage (from 1-100%) of your cash dividends in direct payment. The election you make applies to all shares of ExxonMobil stock in all accounts.

Your election to receive cash dividends becomes effective after your election is processed. The election in effect four business days prior to the dividend payment date will determine whether your dividends are paid to you in cash or reinvested in shares of ExxonMobil stock. You may change your direct dividend payment election as often as you wish.

You do not pay current taxes on dividends credited to your accounts in the form of stock. If you elect to receive dividends directly, they will be taxed as ordinary income in the year you receive them. However, these dividends are not subject to the additional 10% tax on early distributions (explained on page 47).

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.