Phillips 66 wants to help you reach your financial goals by offering a savings and investment program, the Phillips 66 Savings Plan. You have a powerful ally in the plan. Here's how it works: You decide how much you want to save and how to invest your savings.

Phillips 66 will match your contributions, contributing $1 to your account for every $1 you contribute each pay period, up to 8% of your eligible pay. The Company's matching contributions will be allocated according to your current investment selection. In addition, you have access to investor education and planning tools from the plan's recordkeeper, Vanguard.

To make the most of the plan, save as much as you can, invest wisely, and take advantage of Vanguard's wide range of services. Doing so could help you have a very energetic future!

To use this e-kit, go to:

• ACT Now to designate your beneficiary or update your contribution rate.
• PLAN Features to learn how the plan works.
• INVEST Your Savings to learn about funds in the plan.
• MANAGE Your Account to find out ways you can contact Vanguard.

Whenever you invest, there's a chance you could lose the money.