• Eligibility for active employees on the payroll of Kayo Oil Company.
• Employees who meet the eligibility requirements are automatically enrolled in the plan.
• No employee contributions are permitted.
• Effective January 1, 2008, three years of service are required in order for your benefit to be vested. Vested benefits are not forfeited as a result of termination.
• Your retirement benefit is calculated using the sum of monthly pay credits and annual interest credits for an account value.
• You may elect to start your vested benefit as of the first of any month at least 90 days after your employment ends or defer receipt up to plan age 65.
• Generally, your benefit may be distributed as a life annuity, joint-and-survivor annuity or lump sum payment (with your spouse's consent, if required).
• These highlights are for informational purposes only.
  
  
  

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• Get specific details in the ConocoPhillips Store Retirement Plan Summary Plan Description (SPD) and any Summary Material Modification (SMM), along with introduction letters, announcements and employee contacts.
• No loans or withdrawals are available while you are employed with Kayo, since the plan is intended to provide income after retirement. Distributions are available only after your termination of employment with Kayo.
• Plan benefit accounts will begin with a value of zero and grow monthly through pay credits and annually through interest credits.
• Milliman, USA is the record keeper for the plan and will provide participants with quarterly statements of their plan account balances. Participants with questions about these statements should contact Milliman at 888-453-4165.
• Each year, ConocoPhillips is required to make Summary Annual Reports available to its benefit plan participants and surviving beneficiaries with an interest in the plans. 
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