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2 About the Savings Plan - Sources - Introduction - Plan at a Glance Participating in the Savings Plan 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 Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC) Key Terms ExxonMobil Savings Plan SPD and Prospectus December 2012 About the Savings Plan This SPD is the summary plan description and prospectus for the ExxonMobil Savings Plan. It does not contain all the details. Use of the phrase "Savings Plan" throughout this document refers collectively to the Savings Plan and its implementing Savings Trust, except as otherwise noted. This SPD supersedes all previous Savings Plan participant publications. In determining specific benefits, the full Savings Plan provisions, as they exist now or in the future, always govern. Copies of Savings Plan documents are available for your review. The company reserves the right at any time to change in any way or terminate any benefit. THIS SPD CONSTITUTES PART OF A PROSPECTUS COVERING SECURITIES THAT HAVE BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, INCLUDING SHARES OF EXXON MOBIL CORPORATION COMMON STOCK ("EXXONMOBIL STOCK"). Applicability to represented employees is governed by collective bargaining agreements and any local bargaining requirements. Sources When you need account information or want to make an account transaction, you have two options that are generally available 24 hours a day, 7 days a week. The Savings Plan Internet Site ("Web site") is located at The toll free telephone number for the Savings Telephone Service (STS) is 877-XOM-401K ( ). Non-U.S. residents call In addition, Customer Service Associates are available for inquiries and transactions via the STS Monday through Friday, 7:00 a.m. to 6:00 p.m. Central time, excluding New York Stock Exchange holidays. Features Who Worked for Mobil Corporation Who Worked for Paxon or

3 AES page 2 Who Worked for XTO ExxonMobil Sponsored Sites Access to plan-related information for employees, retirees, and their family members is also available on the following web sites: ExxonMobil Me, the Human Resources Intranet site Can be accessed by current employees. Retiree Online Community Internet Site Can be accessed from home by ExxonMobil retirees and survivors only (including Exxon and Mobil retirees and survivors) at ExxonMobil Family Can be accessed at Introduction The company* sponsors the ExxonMobil Savings Plan to encourage long-term savings and help participants ensure their financial security in retirement. The ExxonMobil Savings Plan contains many features described in detail in this SPD. Keep this SPD for future reference to help you find specific information quickly and easily and make the most of the features available to you. The SPD includes these helpful tools: Plan at a Glance is a quick user's guide highlighting plan basics. Charts and tables throughout the SPD provide information and highlights of plan provisions, including an Account Features chart on pages Key Terms contains definitions of many words and terms used in this SPD. If you see a term that is unfamiliar, refer to this section at the end of the SPD. *References in this SPD to "the company" refer to Exxon Mobil Corporation and/or a participating affiliate, as the case may be.

4 page 3 Plan at a Glance Participating in the Savings Plan Because there is no service requirement for regular employees, you are eligible to participate as soon as you join the company. See page 4. Your Contributions and the Company Match You can save from 6% to 20% of your pay on a before-tax basis, an after-tax basis or a combination of both. You receive a company match of 7% of pay on the first 6% of pay you contribute via payroll deduction. Investment Options You have a choice of seven investments with varying investment objectives and degrees of risk in which to invest your. See page 15. Investment Considerations It is important that you read this section before making your investment decisions. See page 21. Accessing Your Money You may receive a dividend payment in cash for dividends on ExxonMobil stock. You may borrow from the Savings Plan while you are still employed. In certain circumstances, you may withdraw money from your account. You (or your beneficiary) are eligible to receive a distribution from the Savings Plan upon your retirement, death or termination of employment. See page 29. Tax Considerations. The tax rules are complex it is important to seek advice from a tax professional before making a conversion, withdrawal, deferral or distribution decision. See page 41. Administrative and ERISA The Savings Plan is subject to rules of the federal government, including the Employee Retirement Income Security Act (ERISA). See page 47. Key Terms The Key Terms section contains an alphabetized list of key words and phrases, with their definitions, used in this SPD. See page 55. The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

5 About the Savings Plan Participating in the Savings Plan - Eligibility - Enrollment - Beneficiary Designation - Management of the Savings Plan Your Contributions and the Company Match Investment Options Investment Considerations 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 57 of the Key Terms section. Enrollment Implementing Investment Decisions Changing How Your Money Is Invested Accessing Your Money Loans Withdrawals Distributions Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC) Key Terms Features 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 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. Who Worked for Mobil Corporation

6 Who Worked for Paxon or AES Who Worked for XTO page 5 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. To name a different beneficiary, use EDA available on ExxonMobil Me, the Human Resources intranent site. Also, beneficiary designation forms and instructions are available on the Savings Plan Web site at or on the ExxonMobil Benefits Web at If you are a retiree, 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. 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 47-48). The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

7 About the Savings Plan Participating in the Savings Plan Your Contributions and the Company Match Investment Options Q. What makes up my? A. You can have up to seven accounts in the Savings Plan. These are referred to collectively as your. Your Savings Plan Account is made up of your four non-roth accounts and your three Roth accounts. The general contents of the non-roth accounts in the Savings Plan are as follows: Investment Considerations Implementing Investment Decisions Changing How Your Money Is Invested Accessing Your Money Loans Withdrawals Distributions The Before-Tax Account contains employee before-tax contributions (including non-roth catch-up contributions) and any earnings on those contributions. The After-Tax Account contains 1987-and-later employee after-tax contributions and any earnings on those contributions. The General Account contains the company match, any pre-2007 company match that was not directed to the Stock Match Account, rollover contributions from non-roth accounts in other eligible plans, and any earnings on the match and/or contributions. The Stock Match Account contains the company match provided in the form of ExxonMobil stock and any earnings on that stock. There are no new contributions to the Stock Match Account after December 31, The general contents of the Roth accounts in the Savings Plan are as follows: Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC) Key Terms The Roth 401(k) Account contains employee Roth 401(k) contributions (including Roth catch-up contributions) and any earnings on those contributions. The Roth Rollover Account contains rollover contributions from Roth accounts in other eligible plans (such as from former employers) and any earnings on those contributions. The Roth Conversion Account contains assets you elect to convert from existing non-roth accounts in the Savings Plan and any earnings on the converted amounts. Features Who Worked for Mobil Corporation Who Worked for Paxon or AES Who Worked for XTO

8 page 7 These accounts also contain funds from the former Exxon, Mobil, Paxon, AES, and XTO savings plans. The chart below illustrates each account and its entire contents. Account Before-Tax Account After-Tax Account General Account Stock Match Account Roth 401(k) Account Roth Rollover Account Roth Conversion Account Contents Employee before-tax contributions, including non-roth catch-up contributions Additional funds Mobil company contributions equal to 1% of eligible compensation for certain employees participating on 12/31/68 Mobil company contributions up to 2% of base pay for certain participants made between 2/1/90 and 12/31/98 Earnings Post-1986 employee after-tax contributions, including special contributions Additional funds After-tax employee contributions from Mobil ESOP terminated in 1988 Earnings Company match Rollover contributions from non-roth accounts in other eligible plans Additional funds Pre-1987 after-tax contributions Pre-2/1/90 Mobil company contributions Earnings Company match provided in the form of stock prior to December 31, 2006 Additional funds Stock from the former ExxonMobil Direct Dividend Account (DDA) Post-1/31/90 Mobil company ESOP contributions Earnings Employee Roth 401(k) contributions, including Roth catch-up contributions Earnings Rollover contributions from Roth accounts in other eligible plans Earnings Assets you elect to convert from existing Savings Plan non-roth accounts Earnings The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

9 About the Savings Plan Participating in the Savings Plan Your Contributions and the Company Match - Deciding How Much You Want to Contribute - Before-Tax vs. After-Tax Contributions - The Company Match - How You Become Vested - Changing Your Payroll Contributions and Company Match - Suspending Your Payroll Contributions - Limits on Contributions - In-Plan Roth Conversions Investment Options Investment Considerations Implementing Investment Decisions Changing How Your Money Is Invested Accessing Your Money Loans Your Contributions and the Company Match Q. When I enroll in the Savings Plan, what decisions do I need to make? A. There are three primary decisions you must make when you enroll in the Savings Plan: 1. How much do you want to contribute? 2. Do you want to make before-tax contributions, regular after-tax contributions, and/or Roth 401(k) contributions which are also made on an after-tax basis? 3. How do you want to invest your contributions and the company match? Additional investment decision information is described later in this SPD beginning on page 21. Deciding How Much You Want to Contribute The Savings Plan is voluntary. You decide whether you want your contributions to be made on a before-tax and/or an after-tax basis. Listed below are the types of contributions that you may make to the Savings Plan. There are certain limitations on these contributions that may apply to you (see page 14). To participate, you must contribute a minimum of 6% of your pay to the Savings Plan by payroll deduction. This is called your minimum contribution. The company matches only your minimum contribution with 7% of your pay. Beyond your minimum contribution, you may make additional contributions by payroll deduction in 1% increments, for a combined total up to 20% of pay. You also may make contributions to your After-Tax Account other than through payroll deductions. These are called After-Tax Account special contributions and are made by check. Participants who are age 50 or older in a given calendar year and who maximize their before-tax contributions and/or Roth 401(k) contributions may make catch-up contributions to the Before-Tax and/or Roth 401(k) Accounts. Withdrawals Distributions Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC)

10 Key Terms page 9 Features Who Worked for Mobil Corporation Rollovers Participants may make rollover contributions directly from another eligible plan into the Savings Plan. An eligible plan includes: Who Worked for Paxon or AES Who Worked for XTO A tax qualified plan such as a 401(k) plan, profit-sharing plan, and a defined benefit plan. A section 403(a) annuity plan. A section 403(b) tax-sheltered annuity. An eligible 457(b) plan maintained by a government employer. The Savings Plan is Tax-Qualified The Savings Plan is qualified under the Internal Revenue Code. This provides a valuable benefit by allowing deferral of taxes on before-tax contributions, the company match and any earnings in your. The earnings in your Roth accounts may even be exempt from tax. Rollovers are accepted only in the form of cash from other eligible plans. After-tax contributions (other than after-tax amounts in Roth accounts) and amounts held in Individual Retirement Accounts (IRAs) are not eligible for rollover into the Savings Plan. By law, there are strict time limits and rules applicable to rollover contributions. Some things to consider: Rollover contributions are placed in your General Account or Roth Rollover Account, depending on the type of account from which the funds are being rolled. Rollover contributions are fully vested immediately upon acceptance into the Savings Plan. Rollover contributions are not eligible for withdrawal once in the Savings Plan. If you have worked for another employer and have eligible plan savings, you may roll over the tax-deferred funds from non-roth accounts into the General Account in the Savings Plan. Funds from a Roth account in an eligible plan with a previous employer may be rolled over into the Roth Rollover Account. This gives you the ability to consolidate more of your retirement savings into the Savings Plan.

11 page 10 Before-Tax vs. After-Tax Contributions When you make before-tax contributions, your taxable income is reduced and, as a result, you pay less taxes in that year. Example: Suppose your annual pay is $50,000 and you contribute 6% of your pay or $3,000. This example shows a comparison of making before-tax contributions v. after-tax contributions (regular after-tax contributions or Roth 401(k) contributions). Before-Tax Contributions After-Tax Contributions Annual pay $50,000 $50,000 Before-tax contributions -$3,000-0 Taxable income $47,000 $50,000 Taxes* - $7,050 -$7,500 After-tax contributions - 0 -$3,000 After-tax pay $39,950 $39,500 Current tax savings $450 *"Taxes" for this example assumes a simple, flat federal income tax rate of 15% and do not include state or local taxes. Your tax savings will depend on your personal financial situation. As the example above shows, you contribute the same amount (in this example, $3,000) whether you make before-tax or after-tax contributions. But contributing before-tax dollars reduces your current federal income taxes by $450. Before-tax contributions do not reduce your current Social Security or Medicare taxes. Remember: these taxes are only deferred. When you receive a withdrawal or distribution of your tax-deferred contributions or earnings, they generally will be subject to taxes. A discussion of additional tax considerations begins on page 41. While contributions to the Before-Tax Account may provide current tax advantages, you cannot make withdrawals from your Before-Tax Account other than hardship withdrawals. Roth 401(k) Account and Before-Tax Account contributions are eligible for the same withdrawal rights. Contributions to the After-Tax Account, however, are eligible for withdrawals. Withdrawals are discussed beginning on page 34. Regular after-tax contributions v. Roth 401(k) contributions Your can be greater if you make Roth 401(k) contributions rather than regular after-tax contributions.

12 page 11 Example: Assume that the after-tax contributions for the one year in the example above grows at a constant rate of 5%. After 20 years, the amount in your account (after taxes) will be greater if you had made Roth 401(k) contributions because, in the case of a qualified distribution, earnings on these contributions are exempt from federal income tax. If the Roth 401(k) contributions are distributed in a non-qualified distribution, then the total amount (after taxes) will be the same as that for the regular after-tax contributions. Reg. After Tax Contributions Roth 401(k) Contributions^ Annual pay $50,000 $50,000 Before-tax contributions Taxable income $50,000 $50,000 Taxes* - $7,500 -$7,500 After-tax contributions -$3,000 -$3,000 After-tax pay $39,500 $39,500 Amount after 20 years (@ 5% growth) $7,960 $7,960 Less: amount already taxed - $3,000 - $3,000 Less: amount exempted from tax - 0 -$4,960 Taxable amount $4,960 0 Taxes* $744 0 Total amount (after-tax) $7,216 $7,960 *"Taxes" for this example assumes a simple, flat federal income tax rate of 15% and do not include state or local taxes. Your tax savings will depend on your personal financial situation. ^Assumes a qualified distribution. Before-tax contributions v. Roth 401(k) contributions Change in your personal tax rate over time can impact the amount you ultimately receive from the Savings Plan in retirement. Example: Assume you have $10,000 to invest for one year. $8,500 is the equivalent of $10,000 on an after-tax basis after a 15% tax rate is applied. What is the value of this one year of contributions at the end of 20 years after taking into account taxes at distribution? Consider the following three scenarios: 1) If your tax rate at time of your contribution is the SAME as your tax rate at time you receive a distribution (for example, at retirement), the after-tax value of both types of contributions will be exactly the same.

13 page 12 Before-Tax Contributions Roth 401(k) Contributions^ Contributions for the year (15% tax rate) Amount after 20 years 5% growth) $10,000 $8,500 $26,533 $22,553 Taxes (15% tax rate) $3,980 - Total after-tax value at distribution $22,553 $22,553 2) If your income tax rate at time of distribution is HIGHER than your income tax rate at time of contribution, the Roth 401(k) contribution will result in a higher after-tax balance. Before-Tax Contributions Roth 401(k) Contributions^ Contributions for the year (15% tax rate) Amount after 20 years (@ 5% growth) $10,000 $8,500 $26,533 $22,553 Taxes (20% tax rate) $5,307 - Total after-tax value at distribution $21,226 $22,553 3) If your income tax rate at time of distribution is LOWER than your income tax rate at time of contribution, the before-tax contribution will result in a higher after-tax balance. Before-Tax Contributions Roth 401(k) Contributions^ Contributions for the year (15% tax rate) Amount after 20 years (@ 5% growth) $10,000 $8,500 $26,533 $22,553 Taxes (10% tax rate) $2,653 - Total after-tax value at distribution $23,880 $22,553 ^Assumes a qualified distribution. You may also be eligible to receive an income tax credit for making contributions to the Savings Plan, if your adjusted gross income does not exceed certain limits which are adjusted annually for inflation. For 2012, these limits are $28,750 for single filers, $43,125 for heads of household, and $57,500 for married persons filing jointly. For 2013, these limits are $29,500 for single filers, $44,250 for heads of household, and $59,000 for married persons filing jointly. The amount of the credit ranges from 10% to 50% of your contribution, up to the first $2,000 of your annual contribution amount.

14 page 13 The Company Match When you make at least the minimum contribution of 6% of pay, you automatically receive a company match of 7% of pay. How You Become Vested Vesting means ownership. When you leave the company, you are entitled to receive a distribution of the vested portion of your : Your contributions and any earnings You always are vested in your own contributions to the Savings Plan and in any investment earnings in your. Company match As an employee, you vest in the company match upon the earliest of the following events: Completion of three years of vesting service (Vesting service is defined in Key Terms on page 60). Reaching age 65. Your death. If you leave the company before you are vested, you forfeit (lose) the company match in your General and Stock Match Accounts, but not the earnings on the company match. Changing Your Payroll Contributions and Company Match You may change the percent of your payroll contributions at any time. Any change in how you direct your contributions and company match will be effective at the beginning of the next full payroll period after your request is processed. There is no limit on how often you may make such changes. Suspending Your Payroll Contributions You may suspend your payroll contributions at any time. However, you will not be able to make payroll contributions again for six months. Your payroll contributions also may be suspended as a penalty for making certain withdrawals. While your contributions are suspended, no company match is made to your General Account.

15 page 14 Limits on Contributions Federal law and Savings Plan provisions limit the amounts you and the company can contribute annually to the Savings Plan. These limits may be adjusted periodically. The following summarizes these limitations for 2013: Percentage-of-Pay and Dollar Limits Your contributions plus the company's contributions during a calendar year cannot exceed the lesser of 27% of your pay or $51,000. Both of these limits exclude catch-up contributions. Before-Tax Contributions Limit The total of your before-tax contributions plus Roth 401(k) contributions are limited to $17,500. Catch-up Contributions Limit The total of your catch-up contributions (to the Before-Tax Account and the Roth 401(k) Account) are limited to $5,500. Further Limits Federal law further limits the amount that may be contributed (and the company can match) to the s of certain higherpaid employees. If you are affected, you will be notified. Limits for years after 2013 may be found on the Savings Plan Web site located at In-Plan Roth Conversions Once a year, you may also convert amounts in your non-roth accounts into the Roth Conversion Account. Generally, you can only convert amounts in existing non-roth accounts in which you are fully vested and amounts which, if distributed, can be rolled over to an IRA. Employees younger than 59½ can convert a portion or all of the balance in their After-Tax, General, and Stock Match Accounts to the Roth Conversion Account. However, funds in the Before-Tax Account cannot be converted. Employees 59½ or older can convert a portion or all of the balance in their to the Roth Conversion Account. Retirees and terminees can convert a portion or all of the balance in their to the Roth Conversion Account. You can see the maximum amount available for you to convert on the ExxonMobil Savings Plan Web site at The decision to make an in-plan Roth conversion is extremely complex and should take into consideration your individual tax and financial circumstances. You should consult your financial and tax advisors if you are thinking about making an in-plan conversion. Please see page 44 for important tax considerations for in-plan conversions. The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

16 About the Savings Plan Participating in the Savings Plan Investment Options Q. What are my investment choices? A. The Savings Plan offers the following investment options: Your Contributions and the Company Match Investment Options - Common Assets - General About Indexed Funds - Equity Units - Extended Market Units - International Equity Units - Bond Units - Balanced Fund Units - ExxonMobil Stock - Additional Investment Considerations Implementing Investment Decisions Changing How Your Money Is Invested Accessing Your Money Loans Withdrawals Distributions Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC) Common Assets Equity Units Extended Market Units International Equity Units Bond Units Balanced Fund Units ExxonMobil Stock It is important to read the information in this section as well as the section on Investment Considerations beginning on page 21, so that you can understand the potential risks of all the investment options. A description of each investment option in the Savings Plan is provided over the next several pages. Common Assets The Common Assets fund is a short- to medium-term fixed income fund managed by an ExxonMobil subsidiary in accordance with standards set by the Trustee. The subsidiary targets a weighted average portfolio maturity of approximately one year. This average maturity is longer than that of money market funds, which are restricted to weighted average maturities of 60 days or less, but shorter than Bond Units, which have an average maturity of approximately seven years. Investments in the fund are made in high quality fixed income securities, primarily consisting of U.S. government issued Series I (inflation adjusted) and Series EE (fixed rate) Savings Bonds. Other holdings include U.S. government agency securities, corporate /bank securities, and other high quality obligations. A portion of the Common Assets fund is invested in loans to participants. U.S. Savings Bonds are backed by the full faith and credit of the U.S. government. Series I Savings Bonds pay a rate of interest based on the rate of inflation in the United States. A decline in the rate of inflation would reduce the portfolio yield. U.S. Savings Bonds have stated maturities of 30 years but can be redeemed after a 1 year holding period. They are considered as 1-year investments by the fund. Key Terms

17 Features Who Worked for Mobil Corporation Who Worked for Paxon or AES Who Worked for XTO page 16 The fund also invests in securities issued by a variety of U.S. government agencies which are not backed by the full faith and credit of the U.S. Government, but have credit risk that is considered to be low. These securities include, among others, the Federal National Mortgage Association (FNMA), the Federal Home Loan Mortgage Corporation (FHLMC), and the Federal Home Loan Banks (FHLBs). The Common Assets fund is managed with a target of maintaining a constant $1.00 per unit price. Although the Common Assets fund has maintained a constant unit price since its inception (and is thus considered a relatively conservative investment choice), there can be no assurance that it will always be able to do so (meaning you could lose money). The underlying assets in participants accounts are valued on the basis of cost rather than market value, which means the asset value does not include unrealized gains and losses. Any investment earnings on Common Assets are posted to participants Savings Plan Accounts as of the end of each quarter and are reinvested in Common Assets. Earnings on Common Assets include accrued income and realized gains and losses. These earnings are shared proportionally by participants based on the average daily Common Assets balance in their s during that quarter. Common Assets investments are made as soon as practical after funds are available. All expenses of managing Common Assets are borne by the company except for certain investment management fees of approximately 0.01% that are borne by the fund. By writing to the Savings Plan Administrator (see page 47), you may request a list of the assets that make up the Common Assets fund. General About Indexed Funds About Northern Trust Investments (NT) and The Savings Plan Northern Trust Investments has responsibility for managing five of the Savings Plan's seven investment options Equity Units, Extended Market Units, International Equity Units, Bond Units and Balanced Fund Units. Northern Trust Investments is a wholly owned subsidiary of Northern Trust Company. Determining Unit Values The value of the units in each fund varies with changes in the market value of the underlying net assets. The investment manager determines the value of each unit daily by dividing the market value of the net assets in the portfolio by the number of outstanding units. Any earnings, dividends, other income, investment management fees, or changes in the market value of each asset are reflected in the daily unit value.

18 page 17 Indexed Investing Equity Units, Extended Market Units, International Equity Units, Bond Units and Balanced Fund Units are all "indexed" investments. Indexing is a commonly used investment strategy in which the investment manager seeks to closely approximate the performance of a market index, such as the Standard & Poor's 500 Index (S&P 500). Indexed investments have advantages such as clear investment strategy, automatic diversification and low fees. When a fund is indexed, the investment manager generally exercises little subjective judgment in choosing securities since, in order to mirror the performance of the index, the manager must invest in the securities that constitute the index largely in proportion to their weight. Indexing provides automatic diversification because your money is spread over a large number of individual securities, so it is not as impacted by the performance of any one security. For funds based on indices with thousands of securities, the manager may choose to use a sampling or an optimization process to design a portfolio that has similar characteristics to the index but not holding every security as a means of controlling transaction costs. This practice is used for Extended Market Units, International Equity Units, Bond Units and Balanced Fund Units. In contrast, funds that are not indexed usually are managed actively. In an actively managed fund, the investment manager has wide discretion as to which securities to purchase and sell and may follow any number of investment strategies in an effort to "beat the market." However, studies have shown that, on average, actively managed funds do not outperform indexed funds. Fees tend to be lower for indexed funds because they have lower research and transactions costs. Making Investments Investments by the indexed funds are made as soon as practical after monies are available. Although each of the underlying funds seeks to remain fully invested consistent with their target index, part of the funds may be kept in cash to provide necessary liquidity for next-day settlements. The funds may hold futures contracts to approximate movements of the funds' target indices, but the funds will not engage in speculative futures transactions. The funds also participate in securities lending in order to reduce fund expenses. Fund Fees and Expenses NT selects brokers on the basis of best net execution. Any fees, associated charges or brokerage commissions in connection with the administration of the funds are charged against the assets of the funds. In addition, NT receives a monthly investment management fee which is computed as a percentage of fund net assets. A summary of the fee and expense information for the indexed funds is provided below: Fund Investment Management Fee Administrative Fees Total Equity Units 0.01% 0.01% 0.02% Extended Market 0.01% 0.02% 0.03% Units International Equity 0.03%* 0.05% 0.08%* Units Bond Units 0.01% 0.02% 0.03% Balanced Fund Units 0.01%* 0.02% 0.03%*

19 page 18 Effective January 1, 2013, fees for the Bond and International Equity Units will be as follows: Fund Investment Management Fee Administrative Fees Total International Equity 0.03%* 0.03% 0.06%* Units Bond Units 0.01% 0.01%* 0.02%* *Percentages are rounded to the nearest 1/100 of a percent. You have the right to know of any operating expenses that reduce the rate of return and the total amount of these expenses, expressed as a percentage of average net assets. These have been described in this SPD. If any additional expenses occur, you will be advised. Equity Units Equity Units represent an interest in a fund managed to closely approximate the total rate of return and characteristics of the Standard & Poor's 500 Index (S&P 500). This index is composed of 500 mostly large-capitalization stocks weighted by market value. The index currently represents about 80% of the market value of all publicly traded U.S. common stocks. To pursue its goal of closely approximating the performance of the S&P 500, NT invests the fund's assets in a broadly diversified portfolio consisting largely of the 500 stocks represented in the actual S&P 500. The S&P 500 excludes non-u.s. stocks. Extended Market Units Extended Market Units represent an interest in a fund managed to closely approximate the total rate of return and characteristics of the Dow Jones U.S. Completion Total Stock Market Index. This index is composed of approximately 3000 U.S. stocks not included in the S&P 500, weighted by market value. The index currently represents about 20% of the market value of all publicly traded U.S. common stocks and is commonly used to represent the small cap segment of the U.S. market. To pursue its goal of closely approximating the performance of the index, NT invests the fund's assets in a broadly diversified portfolio consisting largely of the stocks represented in the actual index. International Equity Units International Equity Units represent an interest in an index fund that invests in approximately 3,500 international equity securities composing approximately the top 99% of the market capitalization in 23 developed countries outside North America. The fund is managed to closely approximate the total rate of return and characteristics of the MSCI World Excluding U.S. Investable Market Index. The index is commonly used to represent the non-u.s. equity developed markets and includes all traded stocks that are available to be owned by foreign investors in these countries. To pursue its goal of closely approximating the performance of the index, NT invests the fund's assets in a broadly diversified portfolio consisting largely of the stocks represented in the actual index.

20 page 19 Bond Units Bond Units represent an interest in an index fund based on a broad range of publicly traded, investment grade U.S. bonds. This fund is composed of a portfolio of bonds representative of the overall U.S. bond and debt market and managed to closely approximate the total rate of return and characteristics of the Barclays U.S. Aggregate Bond Index. This broad index tracks approximately 8,000 publicly traded, investment grade, U.S. fixed income securities covering the Treasury, Agency, Mortgage-backed, Asset-backed, Commercial Mortgage-backed and Corporate sectors of the U.S. Bond Market. Since this index represents short, medium and long-term bonds, the average maturity is longer than that of investments held in the Common Assets fund. For comparison purposes, the average maturity of bonds in this fund is approximately seven years, while in Common Assets, it is approximately one year. To pursue its goal of closely approximating the performance of the index, NT invests the fund's assets in a broadly diversified portfolio consisting largely of the bonds represented in the actual index. Balanced Fund Units Balanced Fund Units are designed to generate returns from both income and growth for the investor through a broadly diversified investment in domestic and international stocks and U.S. bonds. Specifically, each Balanced Fund Unit represents an interest in a portfolio (the "Balanced Fund Portfolio") invested in the following proportions in the four indexed funds indicated in the chart below: % of Balanced Fund Portfolio Savings Plan Investment Asset Class 35% Equity Units U.S. large-capitalization stocks 15% Extended Market Units U.S. small- to mid-capitalization stocks 25% International Equity Units International stocks 25% Bond Units U.S. fixed income securities 100% Each of the underlying investments making up the Balanced Fund Portfolio is separately available as an investment option in the Savings Plan. In order to maintain the fund's proportion in the four indexed funds, NT reviews the value of the four funds that make up the Balanced Fund Portfolio on a monthly basis and, if needed, adjusts their allocation back to the approximate proportions indicated above. Your investment in Balanced Fund Units is actually an investment in the other four index funds in the Savings Plan, which together represent a broadly diversified investment.

21 page 20 ExxonMobil Stock When you buy Exxon Mobil Corporation Common Stock (ExxonMobil stock), you become an ExxonMobil shareholder and an owner of the company. Any dividends on shares of stock in your are credited as of the dividend payment date. These dividends are reinvested automatically in ExxonMobil stock unless you elect to have the dividends paid to you directly in cash (see page 30). Remember, investing in a single security typically carries higher potential risk than investing in a variety of securities (e.g., stocks and bonds). Be sure to consider balancing your portfolio with the other investments in the Savings Plan. Participants purchase and sell orders may be offset against each other and the net number of shares may be purchased or sold in separate transactions or as a pooled transaction. This results in lower transaction costs for trades involving ExxonMobil stock. Such purchases and sales may be made in the open market, in privately negotiated transactions, or from/to Exxon Mobil Corporation to the extent it elects to sell or purchase such shares. Prices for open market or private transactions reflect market pricing. Prices for purchases cannot exceed, and prices for sales cannot be below, the then-current market value of the shares. The price of any purchase from or sale to Exxon Mobil Corporation is the volume-weighted average price per share of ExxonMobil stock on the New York Stock Exchange (NYSE) composite tape on the transaction day. Brokerage commissions or other fees incurred on purchases or sales of ExxonMobil stock made in the open market are included as a part of the cost of the purchase or sale transaction. Brokers are selected on the basis of execution ability. No brokerage commissions are paid on shares purchased from or sold to Exxon Mobil Corporation. While investment instructions are executed promptly, purchases and sales may be executed over a period of days depending on market conditions and any legal restrictions. As an owner of ExxonMobil stock, you may direct how your shares are voted. You will receive copies of all reports, proxy statements and other materials distributed to ExxonMobil shareholders. regarding your assets, including shares of stock and how you vote them, is subject to confidentiality requirements for those who provide services to the Savings Plan. Additional Participants receive periodic reports on the performance of the Savings Plan's investment options. See page 49 for historical performance information for the three years through year-end To help you keep track of changes in your Savings Plan Account, you will automatically receive: Savings Plan confirmation statements after you make a transaction; and Periodic statements. You also will be notified of any significant changes to the Savings Plan. The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

22 About the Savings Plan Participating in the Savings Plan Your Contributions and the Company Match Investment Options Investment Considerations - Key Investing Concepts - Discussion of Specific Investment Considerations Investment Considerations Q. Which investments are best for me? A. The answer depends on your investment objective and risk tolerance. All investments involve some risk. Failure to make an investment decision can be risky, too. For example, inflation will erode the purchasing power of your savings. By understanding the potential risks and returns for each of the Savings Plan s investment options and what your own short-term and long-term investment goals are you can begin to make important investment decisions that will be right for you. Answering the questions below will help you make decisions about which Savings Plan investment options to choose: Implementing Investment Decisions Changing How Your Money Is Invested Accessing Your Money Loans How conservative or aggressive an investor are you? Are you comfortable holding riskier assets, which may fluctuate more in the short term, to try to achieve higher long-term returns? Would you rather try to minimize short term risk? What is your investment time horizon? Are you just beginning to save for retirement or are you nearing retirement now? Do you want to diversify your investments to minimize the potential risk associated with any one investment option? Withdrawals Distributions Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC) Key Terms Features All of the investment options in the Savings Plan entail some risk the value of your assets can decline. Remember that past performance of any investment option is not a guarantee, nor is it necessarily indicative, of future returns. Key Investing Concepts Time Horizon If you have a longer investment time horizon (time until you need to use your money), you may be willing to tolerate a greater level of risk, typically associated with equitybased investments, in the expectation that you will have better investment results over the long run. But, if you have a shorter investment time horizon, year-to-year stability of returns associated with lower-risk investments such as fixed-income securities (e.g. Common Assets or Bond Units) may fit your needs better. Who Worked for Mobil Corporation Who Worked for Paxon or AES

23 Who Worked for XTO page 22 Diversification To help achieve long-term retirement security, you should give careful consideration to the benefits of a well-balanced and diversified investment portfolio. Spreading your assets among different types of investments can help you achieve a favorable rate of return, while minimizing your overall risk of losing money. This is because market or other economic conditions that cause one category of assets, or one particular security, to perform very well often cause another asset category, or another particular security, to perform poorly. If you invest more than 20% of your retirement savings in any one company or industry, your savings may not be properly diversified. Your savings may not be properly diversified even if you have 20% or less of your retirement savings invested in one company or industry, including Exxon Mobil Corporation, depending on your particular circumstances. Although diversification is not a guarantee against loss, it is an effective strategy to help you manage investment risk. In deciding how to invest your retirement savings, you should take into account all of your assets, including any retirement savings outside of the Savings Plan. You should also consider, for example, that any S&P 500 indexed investment option, such as Equity Units, is very likely to invest in Exxon Mobil Corporation. No single approach is right for everyone because, among other factors, individuals have different financial goals, different time horizons for meeting their goals, and different tolerances for risk. It is also important to periodically review your investment portfolio, your investment objectives, and the investment options under the Savings Plan to help ensure that your retirement savings will meet your retirement goals. Dollar Cost Averaging You may wish to invest a regular amount on a periodic basis instead of investing one lump-sum amount. This tends to average out the cost of investing and avoids possibly making one investment at the most expensive point during a market cycle. This is known as "dollar cost averaging" and you do this automatically with payroll deductions for your contributions and the company match. Market Risk This represents the potential for fluctuation in the amount of return on your investment or in the value of your investment. It is important to know that all of the investment options involve risk. While some investments have historically fluctuated more than others (i.e. they have a higher risk), you could lose money by investing in any of the funds. Generally, an investment with a higher expected rate of long-term return also will have a higher risk.

24 page 23 Discussion of Specific Investment Considerations The following points highlight some specific risks and investment considerations that apply to each investment option in the Savings Plan. While some investment options are generally considered more conservative (less risky) than others, all involve some degree of risk that your investment could lose value or that your rate of return could decline. Common Assets Because the Common Assets fund is invested solely in short to medium term fixed-income securities, its return tends to fluctuate less widely than the returns on long term bonds or equity-based investments (see Equity-based Investment Options below for more information). Historically, Common Assets have not provided as high a level of return over longer periods as the other investment options. However, Common Assets have outperformed the equity-based investments during periods of declining stock market prices. Common Assets is a relatively conservative option for your portfolio based on risk and potential return. Bond Units Bonds in this fund have a longer average maturity than securities in the Common Assets fund, so the returns on Bond Units generally will fluctuate more than those on the Common Assets fund, though generally less than those on equity-based investments. Equity-based Investment Options Equity-based investments (i.e., stocks and funds composed primarily of stocks, such as Equity Units, Extended Market Units, International Equity Units and Balanced Fund Units) are subject to increased market risk. This is because common stock prices may decline significantly over short or even extended periods of time. Equity markets are volatile and cyclical. However, they have generally provided higher returns than either intermediate or long term government bonds over long periods of time. Equity Units and Extended Market Units These investments represent interests in broadly diversified domestic stock funds. The return of the smalland mid-capitalization stocks in the Extended Market Units fund generally have fluctuated more than those of the large-capitalization stocks in the Equity Units fund. International Equity Units This fund offers diversification outside the U.S. Its return may fluctuate independently of that of Equity Units or Extended Market Units and can be used to balance the risk of investing in U.S. stocks alone. Because this fund is subject to risk based on conditions in other parts of the world, including government actions and currency fluctuations, returns may vary more widely than that of Equity Units or Extended Market Units. Balanced Fund Units This fund is the most broadly diversified investment option because each unit represents an investment in a combination of Equity Units, Extended Market Units, International Equity Units, and Bond Units. This diversification may result in less fluctuation of returns over time than that of other stock-based investment options individually. However, during periods of strong stock market returns, the Balanced Fund Units may have lower returns than those of the all-stock investment options. ExxonMobil Stock With an investment in ExxonMobil stock, you have the potential risks and rewards of investing in a single stock. As a shareholder, the return on your investment depends on the performance of Exxon Mobil Corporation. It is therefore considered a non-diversified investment. Keep in mind that investing all your assets in any single stock typically carries higher risk than a more diversified portfolio of investments. See discussion on diversification on page 22. The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

25 About the Savings Plan Participating in the Savings Plan Your Contributions and the Company Match Investment Options Investment Considerations Implementing Investment Decisions - Individual Account Investment Elections - Combined Investment Election - The Process - Investment Earnings Implementing Investment Decisions Q. Do I need to make the same investment election for every account? A. No. You can make different investment elections for each account (Before Tax, Roth 401(k), After Tax, and General) or you can make the same investment election for all your accounts. Additional elections are made as follows: Catch-up contributions: Your investment election for the Before-Tax Account will apply to the elections for any catch-up contributions you make to the Before-Tax Account. Similarly, your investment election for the Roth 401(k) Account will apply to the elections for any catch-up contributions you make to the Roth 401(k) Account. 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. In-plan Roth conversions: Immediately after conversion into the Roth Conversion Account, the assets are invested in the same manner as they were pre-conversion. Changing How Your Money Is Invested Accessing Your Money Loans 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. Withdrawals Distributions Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC) Individual Account Investment Elections When you make individual account investment elections, you are making separate investment decisions for your Before-Tax Account, Roth 401(k) 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, Roth 401(k), and After-Tax Accounts. Key Terms Features Who Worked for Mobil Corporation

26 Who Worked for Paxon or AES Who Worked for XTO Combined Investment Election page 25 When you make a combined investment election, you are making the same investment decision for your Before-Tax, Roth 401(k), After-Tax, and General Accounts. Thus, you are investing all your future contributions to your Before-Tax Account, Roth 401(k) Account, and After-Tax Account and your future General Account company match among the same investment options in the percentages you indicate. 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. Investment Earnings Any earnings on investments in your 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 and the Savings Telephone Service (STS) at are available for account information and transactions.

27 About the Savings Plan Participating in the Savings Plan Your Contributions and the Company Match Investment Options Investment Considerations Implementing Investment Decisions Changing How Your Money Is Invested - Important Purchase/Sale Provision on Account Balances - Separate Transactions Accessing Your Money Changing How Your Money Is Invested Q. How can I change the way my is invested? A. You can change the way your existing is invested by selling shares or units of one investment option and simultaneously purchasing shares or units of another. A Step-by-Step Approach 1. Determine how your account is currently invested. 2. Determine how you would like your account to be invested. If changes are needed, determine how you would like to change the investments. 3. Calculate the dollar amount or the number of shares or units of each investment option that you want to sell and purchase. 4. Determine which of your accounts will be affected (Before-Tax Account, Roth 401(k) Account, After-Tax Account, General Account, Roth Rollover Account, Roth Conversion Account and/or Stock Match Account). For each investment transaction, there must be both a sale and a purchase. Loans Withdrawals Distributions Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC) Key Terms Features Who Worked for Mobil Corporation Who Worked for Paxon or

28 AES page 27 Who Worked for XTO Important Purchase/Sale Provision on Account Balances The Savings Plan provides the flexibility for periodic adjustments to existing account balances through sales of one investment and the subsequent purchase of other investments. You may purchase and/or sell a particular investment option twice during each calendar month. For example, if you sell ExxonMobil stock on any day during a calendar month, you may only either purchase or sell ExxonMobil stock one more time during the rest of that month. Note that you may not initiate a second sale/purchase of a particular investment option if a transaction of the same investment option is still pending. In applying this provision, all purchases or sales of a particular investment option made on one day are considered part of the same transaction. Keep in mind that typically purchase and sale transactions received at or after 6:00 a.m. Central time on any business day are posted to participants' accounts on the following business day. This means that transactions received at 6:00 a.m. Central time or later on the last business day of a calendar month are credited to your account on the first business day of the next calendar month and will be considered a purchase or sale for that next month.

29 page 28 Separate Transactions In selling investment options, you must specify a separate transaction each time it involves a different option. When selecting what to purchase, you may select one or more investments in the same transaction. You do this by specifying in the transaction what percentage of the proceeds from the sale to invest in each. Example: Assume that you have 1,000 shares of ExxonMobil stock in your Before-Tax Account. You want to sell 500 shares of the stock and put 25% of the proceeds into each of four funds. You would submit a transaction to sell 500 shares of ExxonMobil stock in your Before-Tax Account and apply the proceeds of that sale as follows: 25% to purchase Equity Units 25% to purchase Extended Market Units 25% to purchase International Equity Units 25% to purchase Bond Units Typically, purchase and sale transactions received before 6:00 a.m. Central time on a particular business day are posted to your account that evening. Transaction requests received at 6:00 a.m. Central time or later on a particular business day will be posted to your account the following business day. The price received will be the price on the day of posting. The actual transaction in the market for the index funds will occur on the day following pricing. Transactions are executed only if the NYSE is open. However, pricing cannot be guaranteed in the event of unforeseeable circumstances beyond the reasonable control of the Trustee and/or its agents. The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

30 About the Savings Plan Participating in the Savings Plan Your Contributions and the Company Match Investment Options Investment Considerations Accessing Your Money Q. How can I access money in my? 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. The following chart summarizes whether you can access your money through dividends, loans, withdrawals and distributions, depending on your employment status. Implementing Investment Decisions Active Employees Retirees Other Former Employees See Page Changing How Your Money Is Invested Accessing Your Money - Savings EFT Election - Direct Dividend Payments Loans Withdrawals Distributions Direct dividend payments Yes Yes Yes 30 Loans Yes No No Withdrawals Yes Yes^ Yes^ Diversification distribution of part of your Stock Match Account* Yes No No Partial distributions No Yes No Minimum distributions as required by law No Yes No Total distributions No Yes Yes Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC) Key Terms Features Who Worked for Mobil Corporation ^Except for hardship withdrawals *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 41. If you were a participant in another savings plan and your account balance was transferred into the ExxonMobil Savings Plan, you may have additional access rights. See addendum beginning on page 63. Who Worked for Paxon or AES

31 Who Worked for XTO Savings EFT Election page 30 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. Direct Dividend Payments Any dividends paid on ExxonMobil stock held in your 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 either from your Roth or non-roth accounts, 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 41). The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

32 About the Savings Plan Participating in the Savings Plan Your Contributions and the Company Match Investment Options Investment Considerations Implementing Investment Decisions Changing How Your Money Is Invested Accessing Your Money Loans - Loan Amounts - Frequency and Number of Loans - Repaying Your Loan - Loan Collateral - Initial Payment Withdrawals Distributions Loans Q. What do I need to know about Savings Plan loans? A. The following is a summary of the basics of Savings Plan loan requirements: You must be an employee to request a loan. You generally may obtain two new loans in a given calendar year. Loans are funded from the assets of the Savings Plan, with your individual account serving as collateral. You may have up to three loans outstanding at a time. You may elect months to repay each loan. Your minimum loan amount is $1,000. The maximum loan amount is subject to limitations. You may not initiate a new loan if you are delinquent on payments for an existing loan. Loan Amounts The minimum loan amount is $1,000. The maximum you may borrow is the lesser of these amounts: 50% of the market value of your vested balance, minus any existing loan amounts; or $50,000 reduced by your highest outstanding loan balance during the prior 12 months. Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC) Key Terms Features Who Worked for Mobil

33 Corporation page 32 Who Worked for Paxon or AES Who Worked for XTO Examples: If you have no outstanding loans in the past 12 months you may borrow up to: If your highest outstanding loan balance in the past 12 months was: Example 1 Example 2 $80,000 Vested Balance $110,000 Vested Savings Plan Account Balance 50% or $40,000 $50,000 $15,000 $15,000 And/or, if your current loan balance is: $10,000 $10,000 You may borrow only up to: $30,000 $35,000 Frequency and Number of Loans You are allowed up to three outstanding loans at one time, with no more than two new loans granted in a given calendar year. Repaying Your Loan You may elect a period of 12 to 60 months to repay your loan through payroll deductions. Your loan payments via payroll deduction will begin automatically as soon as possible following loan issuance. In the event that the payroll deduction is not taken for any reason or is insufficient to cover the repayment amount, you are still liable for such payment directly to the Trustee, by personal check or money order. Each installment includes payment of principal and interest on the loan. Interest is paid to the Savings Plan and is part of Common Assets earnings. If you wish, you may prepay all or part of your loan balance at any time. You may repay your loan in full with a cashier's or certified check. Any partial loan repayment can be made by check and may reduce the length of the repayment period, but it will not reduce the monthly installment amount. A loan payment must be received each month. You may call the STS or access the Web site to obtain loan payoff information. Loan Collateral When you borrow money from the Savings Plan, the assets in your Savings Plan Account serve as collateral for the loan. When you have an outstanding loan, withdrawals/distributions that will reduce the collateral value below the amount of your outstanding loan balance will be restricted. If you default on a loan, the assets in your will be reduced by the outstanding loan balance at the time of default. This amount may be treated as a taxable distribution and may be subject to an additional 10% tax. See the Tax Considerations section beginning on page 41 for more information. After your loan is declared in default, you will not be able to take out a new loan for five years from the date of default.

34 page 33 Initial Payment EFT is not available for the disbursement of loans. Loan disbursements are sent to you via paper check. When you endorse the check you are signing the loan promissory note. The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

35 About the Savings Plan Participating in the Savings Plan Your Contributions and the Company Match Investment Options Investment Considerations Implementing Investment Decisions Changing How Your Money Is Invested Accessing Your Money Withdrawals Q. Can I withdraw money from my while I am an employee? A. Here is a summary of the basics of Savings Plan withdrawals: Two withdrawals are permitted in the same calendar year from your regular after-tax contributions. In-plan Roth conversions do not count against this two-withdrawal per year limit. Hardship withdrawals of before-tax or Roth 401(k) contributions are available for pre-defined hardship cases. No withdrawals are allowed from your Stock Match Account or Roth Rollover Account. Withdrawals are available in cash or shares of ExxonMobil stock. The amount of a withdrawal may be limited by the amount of any outstanding loans. Loans Withdrawals - After-Tax Withdrawals - Hardship Withdrawals from the Before-Tax and Roth 401(k) Accounts Distributions Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC) Key Terms Features Who Worked for Mobil Corporation A withdrawal is a transaction by which you elect to receive a portion of your account. Generally, you are eligible to take a withdrawal if you have an amount available for withdrawal in your account, or if you have a specified hardship condition. If you have an amount available for withdrawal in your account, you can withdraw a portion or all of that amount even after you terminate employment. Withdrawals differ from partial distributions in that partial distributions are available only to retirees. After-Tax Withdrawals Frequency You generally may make a withdrawal from regular after-tax contributions twice during a calendar year. However, if you are an active employee who realizes a gain in the course of selling any investment in your General Account and/or After-Tax Account, you may withdraw up to the amount of such gain. This withdrawal type does not count towards the two times per calendar year limitation. Such a withdrawal is still subject to all of the other rules and conditions for withdrawals, such as the limitation on the amount that may be withdrawn.

36 Who Worked for Paxon or AES Who Worked for XTO page 35 Tax Implications There may be important tax implications of making withdrawals from your account. Please refer to the Tax Considerations section on pages Amount of Withdrawal Your amount available for withdrawal consists of (1) your "Pre-1987 After-Tax Contributions" balance (if any) plus (2) your "Post-1986 After-Tax Contributions" balance. To minimize your current tax liability, your Pre-1987 After-Tax Contributions balance, if any, will be withdrawn first. This is your remaining pre-1987 aftertax contributions in the General Account. There is no federal tax liability on withdrawals of pre-1987 contributions. Once your pre-1987 after-tax contributions are exhausted, your Post-1986 After-Tax Contributions balance, equal to the amount of your total contributions to the After-Tax Account minus any previous withdrawals, will be available for withdrawal. A part of each post-1986 after-tax withdrawal is taxable. Please refer to the Tax Considerations section on pages Withdrawal Payments Withdrawals are available in cash or stock, or a combination of both. Cash Withdrawal (assuming withdrawal is all from the After-Tax Account) When you elect a cash withdrawal, it will be funded as follows: - Common Assets will be liquidated up to the withdrawal amount requested - If there are insufficient Common Assets to fund the withdrawal, then indexed funds will be sold on a pro-rata basis across all indexed funds in your After-Tax Account - If, after liquidating all indexed funds, there is still insufficient cash to fund the withdrawal, then shares of ExxonMobil stock in your After-Tax Account will be sold, from high to low cost basis, to make up the remaining amount. If there are particular indexed funds in your After-Tax Account you do not wish to be sold, then you need to take action to ensure that you have sufficient Common Assets prior to requesting a withdrawal. NOTE for those with a Pre-1987 After-Tax Contributions Balance: For the minority of participants who have a Pre-1987 After-Tax Contributions balance, the funding sequence will be as follows, up to the lesser of the amount of the withdrawal request or your Pre-1987 After-Tax Contributions balance: 1. Common Assets in your General Account 2. Indexed funds in your General Account, sold on a pro-rata basis 3. ExxonMobil stock, sold from high to low cost basis If your Pre-1987 After-Tax Contributions balance is less than the amount of your withdrawal request, the funding sequence for the remaining withdrawal balance will be as follows, up to the lesser of the amount of the remaining withdrawal request or your Post-1986 After-Tax Contributions balance: 1. Common Assets in your After-Tax Account 2. Indexed funds in your After-Tax Account, sold on a pro-rata basis 3. ExxonMobil stock, sold from high to low cost basis

37 page 36 Stock Withdrawal If you elect to receive part or all of your withdrawal in stock, the Trustee will distribute to you the number of shares of stock you elect to receive first from the General Account, if you have a Pre-1987 After-Tax Contributions balance, and then from the After-Tax Account. When you withdraw stock from your account, your amount available for withdrawal is reduced by either the cost of the stock or the market price on the date of withdrawal, whichever is lower. There are important tax implications of withdrawing stock (see the Tax Considerations section beginning on page 41). Amounts Converted to the Roth Conversion Account Any portion of your withdrawal balance that is converted to the Roth Conversion Account remains available for withdrawal. If you need information about withdrawals from the Roth Conversion Account, contact a Customer Service Associate via the STS. Encumbered Balances If your General Account was encumbered by a loan on December 31, 1986, special tax provisions may apply. If you need information about these provisions, contact a Customer Service Associate via the STS. Withdrawal Limit for Accounts in Existence for Less than 5 Years If your has existed for less than five years, the combined balance at cost in your After-Tax Account, General Account, and Stock Match Account, must at least equal the company match plus your After-Tax Account payroll contributions (up to 6% of pay) made during the two years before the withdrawal. If you make a withdrawal that causes your balance to fall below this limit, your contributions and the company match will be suspended for six months. Hardship Withdrawals from the Before-Tax and Roth 401(k) Accounts A hardship withdrawal from the Before-Tax and Roth 401(k) Accounts is permitted for employees if the eligibility requirements for a hardship withdrawal are met. To demonstrate hardship, you must first exhaust all other avenues of funds. 100% direct dividend payment election; loans; and any other withdrawals allowed.

38 page 37 By law, a hardship withdrawal from the Before-Tax Account is limited to your beforetax contributions, plus pre-1989 earnings on those contributions. Any portion of this amount that is converted to the Roth Conversion Account will remain available for hardship withdrawal. Hardship withdrawals from the Roth 401(k) Account are limited to your Roth 401(k) contributions. The two times per year limit on withdrawals does not apply. This withdrawal type will trigger a six-month suspension of employee contributions, and consequently, no company match will be provided. The following circumstances meet the definition for hardship: Unreimbursed medical expenses for you or your spouse, children or dependents. Funeral expenses for your deceased parent, spouse, children or dependents. Tuition, room and board expenses for the next 12 months of post-secondary school education for you or your spouse, children or dependents. Payments to prevent eviction of a participant from or foreclosure on the mortgage on the participant's principal residence. For more information on applying for a hardship withdrawal, please contact a Customer Service Associate via the STS. The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and

39 About the Savings Plan Participating in the Savings Plan 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 - Distributions to Current Employees - Distributions to Retirees - Distributions to Terminated Employees - Your Account During Deferral - How Your Is Distributed - Special Rules for Certain SeaRiver Maritime and Former Fuels Marketing Savings Plan Participants Tax Considerations Administrative and ERISA Distributions Q. When may I receive a distribution from my? A. Your generally may be distributed to you when your employment ends. The timing and form of your distribution depend on the value of your account and whether or not you are a retiree. In addition, employees age 55 or older with at least 10 years of Savings Plan participation may be eligible to receive a diversification distribution of a portion of their Stock Match Account. Distributions to Current Employees Generally, amounts allocated to your Stock Match Account must remain there until the final distribution of your or conversion to the Roth Conversion Account. However, you may elect to receive a distribution of a portion of your Stock Match Account, known as a diversification distribution, if you: Are at least age 55; Have completed at least 10 years of Savings Plan participation; and Are still employed on the last day of the calendar year. The actual election and distribution occur in the following year. Additional information is provided when you become eligible for a Stock Match Account diversification distribution. Distributions to Retirees If you become a retiree, your account will be distributed according to the following rules: If the vested value of your is $1,000 or less at the time of termination of employment or later, your vested amount is automatically distributed to you in cash to the extent you do not provide distribution instructions. If, on the other hand, the vested value of your is greater than $1,000, your account remains in deferral status until you elect a total account distribution or your account balance falls to $1,000 or less. You may elect to receive a total distribution of your entire account at any time. Securities and Exchange Commission (SEC) Key Terms

40 Features Who Worked for Mobil Corporation Who Worked for Paxon or AES Who Worked for XTO page 39 You may elect one partial distribution from your non-roth accounts and one from your Roth accounts each calendar year. Electing a partial distribution does not prevent you from electing a total distribution of your account later in the same year or making a withdrawal if a withdrawal balance is available. 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 the same total and partial distribution options that were available to you before your death. If you die without a surviving spouse beneficiary, your account is distributed to your beneficiary. The law requires that you begin receiving annual minimum distributions no later than April 1 of the year following the year in which you reach age 70-1/2. These minimum distribution rules do not prevent you from continuing to defer total distribution of your account, but, rather, simply require at least a certain percentage of your account be distributed to you each year. (If your surviving spouse maintains your account past the time you would have reached age 70-1/2, minimum distribution rules will also apply.) You will receive more information concerning minimum distributions if these rules apply to you. Tax Implications There are important tax considerations related to distributions from the Savings Plan. See pages for more details. Distributions to Terminated Employees If you terminate employment but are not a retiree, your account is distributed according to the following rules: If the vested value of your is $1,000 or less at time of termination of employment or any time thereafter, your vested amount is automatically distributed to you in cash to the extent you do not provide distribution instructions. If, on the other hand, the vested value of your is more than $1,000, your account remains in deferral status until you elect a total account distribution or your account falls to $1,000 or less. You may elect to receive a total distribution of your entire account at any time. If you reach age 65 and your account is still deferred, it will be distributed to you. If you die while your account is deferred, it will be distributed to your beneficiary. Your Account During Deferral Following termination of employment whether or not as a retiree but prior to the time you take a total distribution of your, the operation of your account remains essentially the same as before your termination of employment, except for the following: You may make special contributions only through the end of the year in which you terminate employment. You may not make any other contributions to your account and, therefore, you will not receive any company match. No hardship withdrawals can be requested, since your account is now fully distributable. No new loans can be requested, but you must continue to repay outstanding loans.

41 page 40 How Your Is Distributed When you elect a total distribution of your, all of your investment options (other than ExxonMobil stock) are sold, and the proceeds distributed to you in cash. You have the option to take some or all of your shares of ExxonMobil stock in kind, or have the shares of stock liquidated and the proceeds distributed to you in cash. If you have a loan outstanding at the time of your total distribution, the unpaid balance is deducted from your distribution. As a retiree, you may elect to receive a partial distribution in cash, ExxonMobil stock or a combination of both. Any cash you elect to receive is funded in the following order from each account affected: 1. Common Assets 2. Indexed funds, sold on a pro-rata basis 3. ExxonMobil stock, sold from high to low cost basis. There are important tax consequences of distributions (see pages 41-46). Special Rules for Certain SeaRiver Maritime and Former Fuels Marketing Savings Plan Participants Certain employees or former employees of these businesses will receive payment of a portion of their distribution in the form of an annuity, unless the employee elects a lump sum and the employee s spouse waives the right to the annuity and consents to a lump-sum distribution. The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

42 About the Savings Plan Participating in the Savings Plan 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 Tax Considerations - Taxable and Non-Taxable Amounts - Withdrawals and Distributions from Roth accounts - Withdrawals from non-roth accounts - Distributions from non-roth accounts - Additional 10% Tax if You Are under Age 59-1/2 - Rollovers - Lump-Sum Distributions - In-Plan Roth Conversions - Special Tax Treatment for Some Eligible Participants - Surviving Spouses, Alternate Payees and Other Beneficiaries - Net Unrealized Appreciation (NUA) - Effects of Lump-Sum Tax Considerations Q. How are withdrawals and distributions from my Savings Plan Account taxed? A. There is no easy answer to this question. The following summary is a general description of the applicable federal income tax law at the time this document was prepared. It does not reflect every possible interpretation that might affect your personal situation, nor can it anticipate future changes in the law. You will also periodically receive a description of the tax rules applicable to withdrawals and distributions with your account statements. Taxable and Non-Taxable Amounts Money in the Savings Plan is contributed on either a before-tax (tax-deferred) or aftertax (tax-paid) basis. Earnings in the Roth accounts that are withdrawn or distributed in a qualified distribution are exempt from tax. For all other earnings, taxes are deferred until you take a withdrawal or distribution. For all withdrawals/distributions you receive in a given year, you will be sent an IRS Form 1099 that sets out the taxable and non-taxable amounts. These forms are also sent to the Internal Revenue Service. Tax Implications The federal income tax laws regarding amounts you receive from your Savings Plan Account are complex. It is important to seek advice from a tax professional before making withdrawal, deferral or distribution decisions. Withdrawals and Distributions from Roth accounts One of the primary advantages of saving for retirement through the Roth accounts is that your entire distribution can be tax-free. Your entire distribution is tax-free if your distribution is a qualified distribution as defined by tax law.

43 Distribution Administrative and ERISA Securities and Exchange Commission (SEC) Key Terms Features Who Worked for Mobil Corporation Qualified Distributions A qualified distribution is a withdrawal or distribution made after a 5-year period of Roth participation that is: 1) Paid to you after You have reached age 59-1/2 or You are disabled (as defined under IRS rules) or 2) Received by your beneficiary as a result of your death. Your 5-year period of required Roth participation BEGINS on the earlier of page 42 Who Worked for Paxon or AES Who Worked for XTO January 1 of the year in which you first make a contribution into any of the Roth accounts and January 1 of the year in which you first make a contribution into another employer s Roth 401(k) from which you made a direct rollover into the Roth Rollover Account. Your 5-year period of required Roth participation ENDS as of December 31 of the 5th consecutive year. A qualified distribution does not include 1) deemed distribution of Roth accounts resulting from a loan default, and 2) direct dividend payments on ExxonMobil stock in Roth accounts. Nonqualified Distributions A withdrawal or distribution from the Roth accounts that is not a qualified distribution is a nonqualified distribution. In a nonqualified distribution, only the earnings withdrawn or distributed are taxable. For each dollar withdrawn or distributed, a pro-rata amount is attributable to earnings based on the ratio of earnings in the Roth accounts to the fair market value of the Roth accounts. Withdrawals from non-roth accounts A withdrawal may consist of tax-paid and/or tax-deferred amounts. A withdrawal from your General Account is treated as a withdrawal from your taxpaid balance in that account and is tax-free to you. A withdrawal from your After-Tax Account is prorated between tax-paid and tax-deferred balances you have in that account. The portion of an After-Tax Account withdrawal attributable to your tax-paid balance is tax-free to you. The remainder is taxable as ordinary income. Generally, any hardship withdrawal from your Before-Tax Account is taxable as ordinary income. Distributions from non-roth accounts A diversification distribution from your Stock Match Account is tax-free up to the amount of your tax-paid balance in your General Account. The remainder is taxable as ordinary income. A total distributionof your non-roth Accounts is tax-free up to the amount of your tax-paid balances in your General and After-Tax Accounts. The remainder is taxable as ordinary income.

44 page 43 The tax treatment of a partial distribution from your non-roth accounts depends on the account from which it is paid: A partial distribution from accounts other than your After-Tax Account is treated first as a distribution from your General Account taxpaid balance, and to that extent, is tax-free to you. Any remaining portion of a partial distribution from accounts other than your After-Tax Account is taxable as ordinary income. A partial distribution from your After-Tax Account is prorated between tax-paid and tax-deferred balances in that account. Additional 10% Tax if You Are Under Age 59-1/2 An additional 10% tax applies to the taxable portion of most withdrawals/distributions you receive prior to the date you attain age 59-1/2. This tax does not apply to: Amounts paid after you separate from service during or after the year you reach age 55. Amounts paid after you retire due to disability (as defined under IRS rules). Amounts used to pay certain medical expenses. Amounts rolled over to an eligible plan or an IRA. ExxonMobil stock direct dividend payments. Amounts converted to the Roth Conversion Account at time of conversion. 5-year Recapture for Withdrawals/Distributions from the Roth Conversion Account When an in-plan Roth conversion occurs, the taxable amount at time of conversion is not subject to this additional 10% tax. However, if the amount converted is withdrawn or distributed within 5 calendar years from January 1 of the year of conversion, the taxable amount at time of conversion is treated as taxable at the time of withdrawal/distribution solely for this purpose. As a result, this additional 10% tax will apply to the taxable amount if you have not attained age 59-1/2 or do not satisfy any of the other exceptions as listed above. Rollovers You may defer taxation on the taxable portion of certain withdrawals/distributions from the non-roth accounts by making a rollover to an eligible plan or an IRA. You may also defer taxation on the taxable portion of certain withdrawals/distributions from the Roth accounts by making a rollover to an eligible plan or a Roth IRA. Generally, all withdrawals/distributions (taxable and non-taxable) may be rolled over into an eligible plan except: Hardship withdrawals. ExxonMobil stock direct dividend payments. Distributions to retirees required after attaining age 70-1/2 (minimum distributions). Loans declared in default and treated as taxable distributions.

45 page 44 Any eligible rollover amount paid to you (i.e., not made as a direct rollover) will be subject to 20% income tax withholding on the taxable amount to the extent of the cash received. No withholding is required on withdrawals/distributions consisting solely of ExxonMobil stock. The total amount of the withdrawal/distribution (including the amount withheld) is still eligible to be rolled over to an eligible plan or IRA within 60 days from the date received. Any taxable amount that is not rolled over within the 60-day period must be included in taxable income and also may be subject to an additional 10% tax (explained above). You may elect to have no income tax withheld on the taxable portion of an amount that is not eligible to be rolled over. If no election is made, withholding will be at 10%. Lump-Sum Distributions A lump-sum distribution has a specific meaning in the Internal Revenue Code. If a distribution is considered to be a lump sum, it is afforded special tax treatment. According to the Internal Revenue Code, a lump-sum distribution is a distribution, within one tax year, of your entire balance that is: Payable to you because you: Have reached age 59-1/2, Have separated from service, or Are disabled (as defined under IRS rules). Received by your beneficiary as a result of your death. Generally, for a distribution to qualify as a lump-sum distribution, you must have been a participant in the Savings Plan for at least five years. In-plan Roth conversions, post-retirement withdrawals, partial distributions, minimum distributions, and Stock Match Account diversification distributions can prevent a future total distribution from being a lump-sum distribution. In-Plan Roth Conversions At the time of conversion, you will incur tax liability as if the converted assets were distributed to you. However, any ExxonMobil stock converted is taxed at fair market value and the additional 10% early withdrawal tax does not apply. If the amount converted is withdrawn/distributed within 5 calendar years from January 1 of the year of conversion, the additional 10% tax may apply. See section titled "Additional 10% Tax if You Are Under Age 59-1/2" above. There is no income tax withholding on the amount converted so you are responsible for estimating and paying the amount of tax owed. You may wish to discuss with a Savings Telephone Service (STS) Customer Service Representative at XOM- 401K ( ). Special Tax Treatment for Some Eligible Participants Lump-sum distributions received by participants who have attained specified ages may be eligible for special tax treatment:

46 page 45 Ten-Year Averaging If you receive a lump-sum distribution and you were born before January 1, 1936, you may be able to make a one-time election to use ten-year averaging. Capital Gains Treatment If you receive a lump-sum distribution and you are eligible for ten-year averaging (i.e., born before January 1, 1936), you may be able to use a flat 20% tax rate on the portion of your distribution (if any) attributable to Savings Plan participation before These special tax elections may be made only once after 1985 and, if made, will apply to all lump-sum distributions received in the same year. If you would like more information about this special tax treatment, please contact a Customer Service Associate via the STS. If you ever roll over any part of a withdrawal/distribution (other than any diversification distribution from your Stock Match Account), you may lose eligibility for this special tax treatment for any subsequent lump-sum distributions from the Savings Plan. Surviving Spouses, Alternate Payees and Other Beneficiaries In general, the rules summarized previously that apply to distributions to employees also apply to distributions to beneficiaries of employees and retirees. These beneficiaries will receive additional tax information as necessary. Net Unrealized Appreciation (NUA) Net unrealized appreciation (NUA) is any increase between the cost of the ExxonMobil stock allocated to your account and the market value of the stock when it is withdrawn or distributed. If your withdrawal or distribution includes ExxonMobil stock, you have an additional tax deferral opportunity and the opportunity for a portion of your taxable amount to be taxed at long-term capital gains tax rates rather than at ordinary income tax rates. Since capital gains tax rates are generally lower than ordinary income tax rates, this opportunity may help you keep more of your taxable account balance. Depending on the amount of NUA on the stock you take in a withdrawal or distribution, the difference between capital gains taxes and ordinary income taxes can be substantial. If your withdrawal or distribution includes ExxonMobil stock, a value is assigned to that stock. The value is the lower of the cost of the stock or its market value at the time of withdrawal/distribution. Determining the taxable value of the stock based on its cost (if below market value) can result in the deferral of income tax on the NUA if the distribution qualifies as a lump sum distribution or the stock is attributable to your aftertax contributions. When you finally sell the stock, the NUA is taxed as long-term capital gain. The fair market value of stock withdrawn or distributed from the Roth accounts in a qualified distribution is exempt from tax. In such cases, the ability to defer the amount of NUA is not relevant. When you buy, or the company contributes, ExxonMobil stock, the purchase price is recorded for each individual share in your account. Records of these are grouped in one dollar increments.

47 page 46 Example: Assume ExxonMobil stock was allocated to your non-roth accounts with a cost basis of $1,000 but the stock was worth $1,200 when you received it. In this example you would not have to pay tax on the $200 increase in value (the NUA) until you later sell the stock if the shares were attributable to your after-tax contributions and you do not make a rollover, or if you received the shares in a lump-sum distribution. Also, once you sell these shares, taxes on the $200 NUA will be paid at long-term capital gains tax rates versus ordinary income tax rates. Any appreciation in value after the date of withdrawal or distribution is taxed as either long-term or short-term capital gain, depending on the length of time you hold the stock outside the Savings Plan. You may, however, elect not to use this special rule for NUA in which case, the NUA will be taxed in the year you receive the stock unless you roll over the stock. Participants who defer final distribution of their and who later receive a withdrawal or distribution or make an in-plan Roth conversion in a year prior to the year of total distribution may lose the special tax treatments and limit the NUA otherwise available to them. Effects of Lump-Sum Distribution Lump-sum distribution If you receive ExxonMobil stock in a distribution that qualifies as a lump-sum distribution (or it would qualify except that you did not have five years of participation in the Savings Plan), you can exclude from current income the NUA on all stock received and not rolled over. Non lump-sum distribution If you receive ExxonMobil stock in a withdrawal or a distribution that is not a lump-sum distribution and you do not make a rollover of any eligible portion, you can exclude from current income the NUA only on stock attributable to your after-tax contributions. If you choose to roll over any portion of the non lump-sum distribution, you will not be able to exclude NUA on any of the company stock in that withdrawal/distribution. The opportunity to defer tax on the NUA in a distribution can be a valuable tax planning tool that can be lost by making withdrawals, partial distributions or in-plan Roth conversions after you terminate from employment or retire. Buying and selling ExxonMobil stock during your years as a participant, in an attempt to time the market, can also result in less potential NUA. As low cost shares are sold and then repurchased at a potentially higher value, the difference between the market value at distribution and the cost basis of the shares may narrow. The tax-related information presented here provides only a general summary of the federal (not state or local) income tax laws in effect when this publication was produced that might apply to your withdrawals/distributions. The rules are complex and contain many conditions and exceptions that are not included in this material. Therefore, you should consult with your personal tax advisor before you make an inplan Roth conversion or you take a withdrawal or distribution of your benefits from the Savings Plan. These tax considerations may vary for Puerto Rico participants. The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

48 About the Savings Plan Participating in the Savings Plan 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 Tax Considerations Administrative and ERISA - Basic Plan - Benefit Claims Procedure - No Implied Promises - Assignment of Benefits - If the Savings Plan Is Amended or Terminated - Agent for Service of Legal Process - Your Rights Under ERISA Securities and Exchange Commission (SEC) Administrative and ERISA Q. What other information about Savings Plan administration might I need to know? A. This section provides information about the administration of this plan and your rights under law. Basic Plan Plan Name The formal name of the Savings Plan is the ExxonMobil Savings Plan. Plan Administrators The Administrator-Benefits handles administration of the Savings Plan. The Administrator-Finance does not handle administration of the plan. The Administrator- Benefits is the Manager-Global Benefits Design, Exxon Mobil Corporation. The Administrator-Finance is the Manager of Benefits Finance and Investment of Exxon Mobil Corporation. The Administrator-Accounting is the Manager of Financial Reporting of Exxon Mobil Corporation. You may contact the Administrator-Benefits and/or the Administrator-Finance as follows: Administrator-Benefits Exxon Mobil Corporation P.O. Box 2283 Houston, TX Administrator-Finance Exxon Mobil Corporation 5959 Las Colinas Blvd. Irving, TX Administrator-Accounting Exxon Mobil Corporation 5959 Las Colinas Blvd. Irving, TX If you have any questions about the material in this SPD or require additional information, please contact the Administrator-Benefits. The Savings Trust is managed by the Savings Plan Trustee. You may contact the Trustee as follows: Key Terms

49 Features Who Worked for Mobil Corporation Who Worked for Paxon or AES Who Worked for XTO Savings Plan Trustee Exxon Mobil Corporation 5959 Las Colinas Blvd. Irving, TX Phone: The Trustee is the group of individuals who are the incumbents in the following positions: page 48 Vice President, Human Resources, Exxon Mobil Corporation (Chair) Vice President, Public Affairs, Exxon Mobil Corporation Vice President, ExxonMobil Upstream Business Services Vice President, ExxonMobil Downstream Business Services Vice President, Business Services, ExxonMobil Chemical Company The Administrator-Benefits has designated the Savings Plan Administrator to handle certain administrative matters, including conducting initial claims reviews. The Savings Plan Administrator is the Manager, Policies and Benefits Administration, Business Support Center Argentina S.R.L. You may contact the Savings Plan Administrator as follows: Savings Plan Administrator Exxon Mobil Corporation P.O. Box 2283 Houston, TX Type of Plan The Savings Plan is an employee stock ownership plan (ESOP), as well as a defined contribution pension plan under ERISA. As such, the Savings Plan is subject to the reporting and disclosure, participation and vesting, fiduciary responsibility, and administration and enforcement provisions of ERISA. Because the Savings Plan is a defined contribution plan, it is not insured by the Pension Benefit Guaranty Corporation (PBGC). Plan Numbers The Savings Plan is identified with government agencies under two numbers: the Employer Identification Number (EIN), , and the Plan Number (PIN), 030. Plan Year and Returns The plan year is January 1 through December 31. The following chart provides annual returns for the Savings Plan investment options for the three previous years.

50 page 49 Annual Returns of Savings Plan Investment Options Annual Returns Periods Ending 12/ Company Stock % 10.12% 18.69% Equity Units 27.13% 15.06% 2.17% Extended Market Units 37.45% 28.79% -3.61% International Equity Units 32.31% 8.04% % Bond Units 6.65% 6.60% 7.82% Balanced Fund Units 25.36% 13.50% -0.43% Common Assets 3.77% 3.08% 2.58% Plan Sponsor and Participating Affiliates The Savings Plan is sponsored by: Exxon Mobil Corporation 5959 Las Colinas Blvd. Irving, TX All of Exxon Mobil Corporation's divisions and major U.S. affiliates participate in the Savings Plan. The following affiliates participate in the plan: ERE Liaison, Inc. Exxon Capital Corporation Exxon China Inc. Exxon Neftgas Project Services, Inc. Exxon Services Venezuela, inc. Exxon Ventures (CIS) Inc. Exxon Yemen Inc. ExxonMobil Asset Management Company ExxonMobil Biomedical Sciences Inc. ExxonMobil Chemical Interamerica Inc. ExxonMobil Chemical Services Americas Inc. ExxonMobil Development Company ExxonMobil Gas Inc. ExxonMobil Global Services Company ExxonMobil Inter-America Inc. ExxonMobil Investment Management Inc. ExxonMobil Pipeline Company ExxonMobil Research and Engineering ExxonMobil Risk Management Inc. ExxonMobil Upstream Research Company Mytex Polymers Incorporated Paxon Polymer Company, L.P. II SeaRiver Maritime, Inc. Advanced Elastomer Systems, L.P. XTO Energy Inc.

51 page 50 Benefit Claims Procedure Filing a Claim If you believe you are being denied a benefit, in whole or in part, to which you are entitled under the Savings Plan, you may file a claim for the benefit with the Savings Plan Administrator. All claims must be filed in writing ( s are not acceptable). The Savings Plan Administrator will review your claim and respond to you within a reasonable period of time, normally within 90 days after receiving your claim. If your claim is denied completely or partially, you will receive written notice of the decision. The notice will describe: The specific reasons for the denial and the provisions upon which they are based. Any additional information or material that is needed to validate the claim and the reason that information is required. The process for requesting an appeal. If the Savings Plan Administrator needs additional time to decide on your claim because of special circumstances, you will be notified within the original 90-day period. You will receive a response no later than 180 days after your claim was received initially. Filing a Mandatory Appeal If your claim has been denied, in whole or in part, you or your designated representative may appeal the decision to the Administrator-Benefits. Such an appeal is required in order for you to preserve your right to bring a civil action in court, as described below. Your written appeal must be made within 60 days after you receive the initial notice of denial. You should include the reasons why you believe the benefit should be paid and information that supports, or is relevant to, your request. You may also request reasonable access to, and copies of, information relevant to your claim. If you do not file the appeal within 60 days, your appeal will not be considered. Within 60 days of receiving a request for review, the Administrator-Benefits will make a decision. If additional time is needed, you will be notified in writing of the special circumstances that require an extension. In any event, you will receive a decision no later than 120 days after receipt of your request for review. The decision will be written in plain language and will refer to the pertinent plan provisions on which it is based. If your appeal is denied, you or your representative may review any plan documents, records, or information reviewed in making the determination. Filing a Voluntary Appeal A denied appeal may be reconsidered, but only if you have other information that is relevant to your claim and was not considered in your previous appeal. If this is the case, you or your designated representative may send such information in writing to the Administrator-Benefits within 30 days of the appeal denial. Providing such information is strictly voluntary and is not necessary to preserve your right to bring a civil action in court. Please include in your voluntary appeal letter the reason(s) you believe the mandatory appeal was improperly denied and include the new information that supports and is relevant to your request. If you do not file a voluntary appeal within 30 days, your voluntary appeal will not be considered. You will be notified within 15 days of receipt if your voluntary appeal is not accepted because no new pertinent information is included or your voluntary appeal was not timely filed.

52 page 51 After reviewing the additional information submitted with your voluntary appeal request, the Administrator-Benefits will make a decision within 60 days. As with the mandatory benefit appeal, if your voluntary appeal is denied, you will be informed of the pertinent plan provisions on which the denial is based, and you or your representative may review any plan documents, records, or information reviewed in making the determination. Your decision to submit a benefit dispute to a voluntary appeal will not affect your rights to any other plan benefits. Statute of Limitations After you have received the response of the mandatory appeal, you may bring a civil action in Federal Court under section 502(a) of ERISA. Any lawsuit must be filed no later than one year from the date your mandatory appeal was denied. This deadline is extended for any period during which a voluntary appeal is pending. Authority of Administrator-Benefits The Administrator-Benefits (and those to whom the Administrator-Benefits has delegated authority) has the discretionary authority to determine eligibility for benefits, to construe and interpret the terms of the Savings Plan in its application to any participant or beneficiary, and to decide any and all claim appeals. No Implied Promises Nothing in this SPD says or implies that participation in the Savings Plan is a guarantee of continued employment with the company. Assignment of Benefits You cannot use your as collateral for a loan other than a loan from the Savings Plan. In addition, your account cannot be pledged to another person or organization in any way except as provided by a Qualified Domestic Relations Order ("QDRO"). A QDRO is a court order based on state domestic relations laws for child support, alimony payments or marital property rights that may provide for payment of a portion of your benefit to another person. You may request, without charge, a copy of the QDRO procedures from a Customer Service Associate via the STS. If the Savings Plan Is Amended or Terminated Although the Savings Plan is expected to be continued indefinitely, the company may at any time and for any reason amend or terminate the Savings Plan or any of its provisions. If material changes are made in the future, you will be notified. If the Savings Plan were terminated and no successor plan established, you would be 100% vested immediately in your, regardless of your years of service. Agent for Service of Legal Process The Administrator-Benefits is the agent for service of legal process.

53 page 52 Your Rights Under ERISA As a participant in the ExxonMobil Savings Plan, you have certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that as a plan participant, you shall be entitled to: Receive about Your Plan and Benefits Examine, without charge, at the Administrator of Benefits' office and at other specified locations, such as worksites and union halls, all documents governing the Savings Plan, including collective bargaining agreements, and a copy of the latest annual report (Form 5500 Series) filed by the Savings Plan with the U.S. Department of Labor and available at the Public Disclosure Room of the Pension and Welfare Benefit Administration. Obtain, upon written request to the Savings Plan Administrator, copies of documents governing the operation of the Savings Plan, including collective bargaining agreements, and copies of the latest annual report (Form 5500 Series) and updated summary plan description. The administrator may require a reasonable charge for the copies. Receive a summary of the Savings Plan's annual financial report. The Savings Plan Administrator is required by law to furnish each participant with a copy of this summary annual report. Receive statements of your account balance. Prudent Actions by Savings Plan Fiduciaries In addition to creating rights for Savings Plan participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit plan. The people who operate your Savings Plan, called "fiduciaries" of the Savings Plan, have a duty to do so prudently and in the interest of you and other Savings Plan participants and beneficiaries. No one, including your employer, your union, or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a pension benefit or exercising your rights under ERISA.

54 page 53 Enforce Your Rights If your claim for a benefit is denied or ignored, in whole or in part, you have a right to know why this was done, to obtain copies of documents relating to the decision without charge, and to appeal any denial, all within certain time schedules. Under ERISA, there are steps you can take to enforce the above rights. For instance, if you request a copy of Savings Plan documents or the latest summary annual report from the Savings Plan and do not receive them within 30 days, you may file suit in a Federal court. In such a case, the court may require the Savings Plan Administrator to provide the materials and pay you up to $110 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the administrator. If you have a claim and an appeal for benefits which are denied, in whole or in part, you may file suit in a state or Federal court. In addition, if you disagree with the Savings Plan's decision or lack thereof concerning the qualified status of a domestic relations order, you may file suit in Federal court. If it should happen that Savings Plan fiduciaries misuse the plan's money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in a Federal court. The court will decide who should pay court costs and legal fees. If you are successful, the court may order the person you have sued to pay these costs and fees. If you lose, the court may order you to pay these costs and fees, for example, if it finds your claim is frivolous. Assistance with Your Questions If you have any questions about your Savings Plan, you should contact a Customer Service Associate via the STS. If you have any questions about this statement or about your rights under ERISA, or if you need assistance in obtaining documents from the Savings Plan Administrator, you should contact the nearest office of the Employee Benefits Security Administration, U.S. Department of Labor, listed in your telephone directory or the Division of Technical Assistance and Inquiries, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue N.W., Washington, D.C You may also obtain certain publications about your rights and responsibilities under ERISA by calling the publications hotline of the Employee Benefits Security Administration. The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

55 About the Savings Plan Participating in the Savings Plan 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 Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC) Key Terms Features Who Worked for Mobil Corporation Who Worked for Paxon or AES Who Worked for XTO Securities and Exchange Commission (SEC) Q. What other information relevant to the Savings Plan is deemed part of this document? A. The following documents have been filed by the company or the Trustee with the Securities and Exchange Commission (SEC) and are incorporated by reference into this SPD: 1. Annual Report on Form 10-K for the year ended December 31, 2011; 2. Quarterly Reports on Form 10-Q for the quarters ended March 31, 2012, June 30, 2012, and September 30, 2012; 3. Current Reports on Form 8-K filed on February 29, 2012, June 1, 2012, November 2, 2012, November 30, 2012 and December 4, 2012; 4. The Savings Plan's Annual Report on Form 11-K for the year ended December 31, 2011; and 5. The description of Exxon Mobil Corporation common stock contained in Exxon Mobil Corporation's Registration Statement on Form S-4 (File No ), and any document filed which updates that description. In addition, all documents filed by Exxon Mobil Corporation under Sections 13(a), 13(c), 14, and 15(d) of the Exchange Act after the date of this SPD, and before filing of a posteffective amendment that indicates that all securities offered have been sold or that deregisters all securities then remaining unsold, are deemed to be incorporated by reference in this SPD as of the date the documents are filed. You may request a copy of any or all of these documents (other than exhibits to such documents) and this SPD, without charge, by writing or calling: Exxon Mobil Corporation Investor Relations Department 5959 Las Colinas Blvd. Irving, TX Phone: Any statement in this publication or in any document incorporated or deemed to be incorporated by reference herein will be deemed to be modified or superseded for purposes of this SPD when Exxon Mobil Corporation later files a document that also is deemed to be incorporated by reference into this SPD that modifies or supersedes such statement. Any statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute part of this SPD. The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

56 About the Savings Plan Participating in the Savings Plan Key Terms* Additional Contributions Your payroll deduction contributions in excess of the 6% minimum contribution. 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 After-Tax Account The account containing the after-tax contributions you made since December 31, 1986, plus earnings on those contributions. After-Tax Account Withdrawal Balance The maximum amount that you may withdraw from your After-Tax Account. It equals total contributions to the After-Tax Account, minus any previous withdrawals. After-Tax Contributions Your After-Tax Account contributions. Also, your pre-1987 contributions to your General Account, if any. Before-Tax Account The account containing your before-tax contributions plus earnings on those contributions. Before-Tax Contributions Your tax-deferred contributions to the Before-Tax Account. Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC) Key Terms Features Who Worked for Mobil Corporation Who Worked for Paxon or AES Who Worked for XTO

57 page 56 Benefit Service Generally, all the time from the first day of employment until you leave the company's employment. Excluded are: unauthorized absences; leaves of absence of over 30 days (except military leaves or leaves under the Federal Family and Medical Leave Act); certain absences from which you do not return; periods when you work as a non-regular employee or as a special agreement person; periods generally in excess of 10 years for working in service station, car wash, or car-care center operations; when you are covered by a contract that requires the company to contribute to a different benefit program, unless a special authorization credits the service. Catch-up Contributions Before-tax or Roth 401(k) contributions made in addition to regular contributions by participants age 50 or older who have maximized their Before-Tax contributions. Combined Investment Election By using this election (as opposed to the Individual Account Investment Election), you can make the same investment decision for contributions to your General Account, Before-Tax Account and After-Tax Account. Company Refers to Exxon Mobil Corporation, its divisions or participating affiliates, as the case may be. Company Match The company matches your minimum 6% contribution by crediting 7% of your pay to your General Account.

58 page 57 Direct Dividend Payment Distribution of cash dividends of ExxonMobil stock held in your Savings Plan Account. Distribution That part of a (other than a withdrawal) distributed to you or your beneficiary. Diversification The savings approach which minimizes investment risk by distributing savings between a variety of investment options, therefore providing more consistent performance under a wide range of economic conditions. Electronic Funds Transfer (EFT) The Savings Plan feature that permits you to receive most types of Savings Plan payments (excluding loans) electronically to the same account as your paycheck. Eligible Employee Most U.S. dollar-paid employees of Exxon Mobil Corporation and participating affiliates. Full-time employees not hired on a temporary basis (also called "regular employees") are eligible their first day of employment. Temporary or part-time employees (also called "non-regular employees") are eligible after one year of employment, provided they work at least 1,000 hours during that year. The following are not eligible to participate in the plan: employees of Station Operators, Inc. (SOI), leased employees as defined in the Internal Revenue Code, barred employees or special-agreement persons as defined in the plan document. Generally, special-agreement persons are persons paid by the company on a commission basis, persons working for an unaffiliated company that provides services to the company, and persons working for the company pursuant to a contract that excludes coverage of benefits. Eligible Plan A tax-qualified plan such a 401(k) plan, profit-sharing plan, and a defined benefit plan; a section 403(a) annuity plan; a section 403(b) tax-sheltered annuity; or an eligible 457(b) plan maintained by a government employer. Employee Retirement Income Security Act of 1974 (ERISA) A federal law governing certain employee benefit plans. General Account The account containing the company match and any rollover contributions, and earnings on those contributions. General Account Withdrawal Balance The maximum amount you may withdraw from your General Account. It generally equals the total remaining after-tax contributions to the General Account. Individual Account Investment Election By using this election, (as opposed to the Combined Investment Election), you can make different investment decisions for contributions to your General Account, Before-Tax Account and After-Tax Account.

59 page 58 Individual Retirement Account (IRA) A tax-deferred investment offered by many banks and other financial institutions. IRAs are not part of the Savings Plan. For the purposes of this SPD, IRA also refers to an Individual Retirement Annuity, another investment that can be used to defer taxes on retirement savings. Minimum Contribution The 6% of your pay that you must contribute by payroll deduction to participate in the Savings Plan. Minimum Distribution A distribution you receive each year beginning by April 1 following the later of the year you reach age 70-1/2 or the year you retire. Net Unrealized Appreciation (NUA) The difference between the cost basis of ExxonMobil stock at the time the stock was allocated to your account and the value of the stock at distribution (if the value has gone up). Pay For purposes of the Savings Plan, base compensation and supplemental compensation that you receive as part of the company's established wage or salary system. Eligible pay includes all overtime. The amount of pay that can be taken into account for employee benefit purposes is limited by tax law (for 2013, the annual compensation limit is $255,000) Qualified Domestic Relations Order (QDRO) An order issued by a court of competent jurisdiction dividing property between a Savings Plan participant and another party (most commonly the participant's former spouse).

60 page 59 Retiree Generally, a regular employee who retired at age 55 or older with at least 15 years of benefit service. Retiree status may also be attained by someone who is retired by the company and entitled to long-term disability benefits under the ExxonMobil Disability Plan after 15 or more years of service, regardless of age. Retiree Online Community The Internet site available to retirees from ExxonMobil is Return The earnings, gains or losses on an investment, usually expressed as an average annual percentage rate. Risk The fluctuation in the level of return on or value of an investment. Rollover From the Savings Plan The transfer of withdrawals or distributions from the Savings Plan to an IRA or another employer's eligible plan. This enables you to defer taxes on the taxable amount you rolled over. Into the General Account or Roth Rollover Account in the Savings Plan The transfer of a distribution from another eligible plan into the Savings Plan. (See Eligible Plan) Direct Rollover A distribution that you elect to be made directly from one trustee to another trustee. Your total interest in the Savings Plan, including assets in the Before-Tax Account, After-Tax Account, Roth 401(k) Accounts, and Stock Match Account Savings Telephone Service (STS) The voice response phone system that allows you to make inquiries and initiate transactions in your. It also connects you to Savings Plan Customer Service Associates. (The telephone number is 877-XOM-401K or ) Special Contributions Any contributions to the After-Tax Account made by check, not by payroll deduction. Stock Match Account The account holding the company match provided in the form of ExxonMobil stock prior to January 1, Terminated Employee A participant who separates employment from ExxonMobil without attaining retiree status. Trustee A group of individuals, appointed by Exxon Mobil Corporation, with fiduciary responsibility for managing certain aspects of the Savings Plan Trust.

61 page 60 Vested Refers to the portion of your that you are entitled to receive if you leave ExxonMobil. You are always vested in your own contributions and any investment earnings on both your contributions and the company match. As an employee, you become vested in the company match upon the earliest of one of the following events: completion of three years of vesting service; the first day of the month in which you reach age 65; or your death. Vesting Service Determines when you are vested in the company match. May include service as a leased employee. For Regular Employees all service with the company including absences without pay of up to one year. For Non-regular Employees based on hours of service. You earn a year of vesting service for each anniversary year of employment in which you work at least 1,000 hours. Web Site The Savings Plan Internet site for accessing account information and making transactions is Withdrawal A transaction requesting a certain amount of cash or stock from your. The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

62 About the 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 Features Topic Company Match Your Contributions Features Direct the company match Contribute before-tax money Contribute after-tax money Make a rollover contribution Contains pre-1987 after-tax contributions General Account Stock Match Account Before- Tax Account After- Tax Account Roth 401(k) Account Roth Rollover Account Roth Conversion Account Yes No No No No No No No No Yes No No No No No No No Yes Yes No No Yes No No No No Yes No Yes No No No No No Possibly Loans Withdrawals Distributions Invest in ExxonMobil stock Invest in Equity Units Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC) Investment Options Invest in Extended Market Units Invest in Balanced Fund Units Invest in Bond Units Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Key Terms Savings Plan Account Features for Participants Who Worked for Mobil Corporation Invest in International Equity Units Invest in Common Assets Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes

63 for Participants Who Worked for Paxon or AES for Participants Who Worked for XTO Topic Accessing Your Money Features Receive cash dividends on stock directly Borrow against Withdraw your contributions Distribute company match while employed Partial distributions for retirees General Account Stock Match Account Before- Tax Account After- Tax Account page 62 Roth 401(k) Account Roth Rollover Account Roth Conversion Account Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes pre No Yes for diversification distributions Yes for diversification distributions Yes only for hardship Yes Yes only for hardship No Yes for amounts available for withdrawal preconversion No No No No No Yes Yes Yes Yes Yes Yes Yes. The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

64 About the Savings Plan Participating in the Savings Plan 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 Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC) Who Worked for Mobil Corporation Q. What do I need to know about the heritage Mobil grandfathered features? A. Other sections of this publication describe the plan benefits and features applicable to your entire account balance. However, some features that you had as a heritage Mobil participant are grandfathered and will continue to apply, but only to a portion of your Savings Plan Account. These grandfathered features relate specifically to withdrawals and distributions from this portion of the Savings Plan. Some of the features you had as a heritage Mobil participant are grandfathered. The grandfathered features only apply to any heritage Mobil protected balance you have in your. Here is how protected and non-protected balances are determined: "Protected" Balance is the market value of the Mobil portion of your Savings Plan Account at harmonization. The harmonization date was May 1, This balance may be reduced by withdrawals and distributions. If the total market value of your falls below your protected balance, your protected balance will be limited to the market value. "Non-Protected" Balance is the amount of your balance in excess of your protected balance. Generally, it includes the ExxonMobil portion of your, if any, plus postharmonization contributions, or any post harmonization earnings across your entire account (including post-harmonization earnings on the heritage Mobil protected balance). Please remember that all of the Savings Plan provisions discussed in this publication and the grandfathered features on the next pages apply to these protected balances. Key Terms Features for Participants Who Worked for Mobil Corporation - How this Applies to You - Grandfathered Features Who Worked for Paxon or AES

65 Who Worked for XTO page 64 ExxonMobil Savings Plan Balance Protected Balance Non-Protected Balance Heritage Mobil balance as a dollar amount at harmonization. Most withdrawals/distributions will reduce your protected balance. All earnings on protected balance post harmonization. Existing ExxonMobil Savings Plan balance at harmonization and all earnings post harmonization. Future contributions and all earnings on those contributions. How this Applies to You The grandfathered features apply only to your protected balance. Most withdrawals or distributions you take will reduce this balance. Once your protected balance is depleted, the grandfathered features will no longer be available to you. Please note that your protected balance in the Savings Plan may be embedded in any or all of the four s. If you only had a balance in the Mobil portion of the Savings Plan at harmonization, any post-harmonization earnings on this heritage Mobil protected balance will create a non-protected balance. Grandfathered Features Withdrawals Heritage Mobil participants may make cash or stock withdrawals of their protected balance from any account. Participants may access any contributions, including company contributions. These withdrawals are available twice per year, with a third available for a total withdrawal. Distributions Heritage Mobil participants may request two partial distributions from their protected balances each calendar year with no minimum amount required. Heritage Mobil terminated employees may defer distribution on the protected balances past age 65. If you reach age 70-1/2 and your account is still deferred, minimum required distributions will be made as required by law. Your non-protected balance, however, will be distributed to you at age 65.

66 page 65 If you receive a partial distribution (or any post-separation withdrawal or distribution) in any year before the year in which you receive your entire Savings Plan balance, this partial distribution will not be a lump-sum distribution eligible for favorable lump-sum tax treatment. Favorable lump-sum treatment also may not be available to you when you subsequently elect a total distribution in another tax year. All grandfathered features supersede any conflicting Savings Plan provisions. For example, the Savings Plan allows one partial distribution per year ($5,000 minimum) for retirees. The grandfathered feature allows all former Mobil employees two partial distributions per year from protected balances with no minimum amount required. A retiree who has a protected balance can only have two, not three, partial distributions in a year, and no minimum amount is required. See summary on page 66. The following chart highlights the grandfathered features of your protected balance. Use of these features generally will reduce your protected balance. Suspensions, if applicable, will include both your contributions and the company match. Heritage Mobil Grandfathered Features Withdrawals Maximum Without Suspension Eligible group: Active employees, terminated employees, and retirees. Funds available: Pre-1987 after-tax employee contributions, plus post after-tax employee contributions and earnings, transferred 1988 ESOP after-tax employee contributions and earnings, and rollover contributions. Suspension: None. Maximum With Three-Month Suspension Eligible group: Active employees. Funds available: Funds available in the Maximum Without Suspension withdrawal type, plus up to 50% of your After-Tax Account, General Account and Stock Match Account remaining protected balances. Suspension: Three-month suspension applies. Maximum With Six-Month Suspension Eligible group: Active employees. Funds available: Funds available in the Maximum With Three-Month Suspension withdrawal type, plus greater than 50% of your After-Tax Account, General Account and Stock Match Account remaining protected balances. Funds available also include your Before-Tax Account protected balance if you are at least age 59-1/2. Suspension: Six-month suspension applies.

67 page 66 Total Protected Benefit with Six-Month Suspension Eligible group: Active employees. Funds available: 100% of funds available in the Maximum With Six-Month Suspension withdrawal type. Suspension: Six-month suspension applies. Requirements: Must take 100% of available funds. Other: Available as a third withdrawal in the same year. 59-1/2 Without Suspension Eligible group: Active employees. Funds available: Before-Tax Account protected balances. Suspension: None. Requirements: Available only if age 59-1/2 or older. Distributions Partial Distributions Eligible group: Terminated employees (non-retirees). Funds available: Up to entire remaining protected balance available. Frequency: Twice in a calendar year. Other: No minimum amount; can defer distribution past age 65 to 70-1/2. Eligible group: Retirees. Funds available: Up to entire remaining protected balance available. Frequency: Twice in a calendar year. Other: No minimum amount. The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

68 About the Savings Plan Participating in the Savings Plan 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 Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC) Key Terms Features Who Worked for Mobil Corporation Who Worked for Paxon Polymer Company, L.P. and/or Advanced Elastomer Systems, L.P. Q. What do I need to know about the heritage plans' grandfathered features? A. Other sections of this publication describe the plan benefits and features applicable to your entire account balance. However, some features that you had as a participant in the heritage plans will continue to apply, but only to a portion of your. These grandfathered features relate specifically to withdrawals and distributions from this portion of the Savings Plan. Some of the features you had as a participant in the Paxon Polymer Company, L.P. II Savings Plan or the Paxon Polymer Company, L.P. II Hourly Savings Plan (collectively "Paxon Plan") and/or the Advanced Elastomer Systems, L.P. Retirement Savings Plan ("AES Plan") are grandfathered. Some of these features to access your account balance are further enhanced. For purposes of this publication, the features you had in the heritage plans and the enhanced features are all referred to as grandfathered features. The grandfathered features only apply to any protected balance you have in the Savings Plan, upon completion of the transfer of assets to the Savings Plan. Here is how the protected and non-protected balances are determined: "Protected" Balance is the market value of your Paxon Plan and/or AES Plan account balance transferred to the Savings Plan on December 1, This balance may be reduced by withdrawals or distributions. If the total market value of your falls below your protected balance, your protected balance will be limited to the market value. Please note that your protected balance in the Savings Plan may be embedded in the Before-Tax, After-Tax and/or General Accounts. "Non-Protected" Balance is the amount of your balance in excess of your protected balance. Generally, it includes the ExxonMobil portion of your, if any, plus post-transfer contributions, or any post-transfer earnings across your entire account (including post-transfer earnings on the heritage plans' protected balance). Please remember that all of the Savings Plan provisions discussed in this publication and the grandfathered features described below apply to these protected balances. for Participants Who Worked for Paxon or AES - Grandfathered Features

69 Who Worked for XTO page 68 Grandfathered Features Withdrawals Former Paxon Plan and AES Plan participants may withdraw their protected rollover balance, after-tax balance and, if at least age 59-1/2, before-tax balance. Former AES Plan participants may also withdraw their protected employer match balance, if fully vested with respect to employer match contributions. There is no restriction on the number of withdrawals per year and there is no minimum withdrawal amount limitation. If you separate from service, you will continue to be eligible for these withdrawals. Distributions Upon termination of employment without retiree status, former Paxon Plan and AES Plan participants may defer distribution on the protected balances past age 65. If you reach age 70-1/2 and your account is still deferred, minimum required distributions will be made as required by law. Your non-protected balance, however, will be distributed to you at age 65. If you receive a post-separation withdrawal or distribution in any year before the year in which you receive your entire Savings Plan balance, this withdrawal or distribution will not be a lump-sum distribution eligible for favorable lump-sum tax treatment. Favorable lump-sum treatment also may not be available to you when you subsequently elect a total distribution in another tax year.

70 page 69 The following chart highlights the grandfathered features of your protected balance in terms of distribution or withdrawal types available. Use of these features generally will reduce your protected balance. Grandfathered Features for Former Paxon and AES Plan Participants Withdrawals Maximum Nontaxable Eligible group: Active employees, terminated employees, and retirees. Funds available: Pre-1987 after-tax contributions. Maximum Without Suspension Eligible group: Active employees, terminated employees, and retirees. Funds available: After-Tax Account protected balance and General Account protected balance. The General Account protected balance includes the protected rollover balance and, for former AES Plan participants who are fully vested, the protected employer match balance. 59-1/2 Without Suspension Eligible group: Active employees, terminated employees, and retirees. Funds available: Before-Tax Account protected balance. Requirements: Available only if age 59-1/2. Prior Plan Protected Eligible group: Active employees, terminated employees, and retirees. Funds available: Up to entire remaining protected balance. Distributions Deferral of distribution past age 65 to 70-1/2 Eligible group: Terminated employees (non-retirees). Funds available: Up to entire remaining protected balance. The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

71 About the Savings Plan Participating in the Savings Plan 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 Tax Considerations Administrative and ERISA Securities and Exchange Commission (SEC) Key Terms Features Who Worked for XTO Energy Inc. Q. What do I need to know about the heritage plans' grandfathered features? A. Other sections of this publication describe the plan benefits and features applicable to your entire account balance. However, some features that you had as a participant in the heritage plan will continue to apply, but only to a portion of your. These grandfathered features relate specifically to withdrawals and distributions from this portion of the Savings Plan. Some of the features you had as a participant in the XTO Energy Inc. Employees 401 (k) Plan are grandfathered. Some of these features to access your account balance are further enhanced. For purposes of this publication, the features you had in the heritage plans and the enhanced features are all referred to as grandfathered features. The grandfathered features only apply to any protected balance you have in the Savings Plan, upon completion of the transfer of assets to the Savings Plan. Here is how the protected and non-protected balances are determined: "Protected" Balance is the market value of your XTO Plan account balance transferred to the Savings Plan on January 1, This balance may be reduced by withdrawals or distributions. If the total market value of your falls below your protected balance, your protected balance will be limited to the market value. Please note that your protected balance in the Savings Plan may be embedded in the Before-Tax, After-Tax and/or General Accounts. "Non-Protected" Balance is the amount of your balance in excess of your protected balance. Generally, it includes the ExxonMobil portion of your, if any, plus post-transfer contributions, or any post-transfer earnings across your entire account (including post-transfer earnings on the heritage plans' protected balance). Please remember that all of the Savings Plan provisions discussed in this publication and the grandfathered features described below apply to these protected balances. Who Worked for Mobil Corporation Who Worked for Paxon or AES Who Worked for XTO

72 page 71 Participants with a protected XTO Energy Inc. Employees 401(k) Plan balance are eligible to take the following withdrawals/distributions that apply to their protected XTO Energy Inc. Employees 401(k) Plan balance: 1. Maximum without Suspension Eligibility: Active employees Funds available: General Account protected balance. The General Account protected balance includes the protected rollover account balance. Frequency: Twice per year 2. Partial Distributions Eligibility: Terminated employees (non-retirees)* and Retirees Funds available: Up to entire remaining protected balance Other: No required minimum amount *Terminated employees can defer distribution past age 65 The Savings Plan Web site at and the Savings Telephone Service (STS) at are available for account information and transactions.

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