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2018 SUMMARY plan DESCRIPTION Occidental Petroleum Corporation 401(k) Savings plan your future. your life. your health. CONTENTS plan at a Glance .. 1 Managing Your Account .. 3 Lost or Forgotten Passwords .. 3 Account Management Features .. 3 Issues 5 Eligibility .. 6 Your 6 When Your Participation Begins .. 6 Naming a Beneficiary .. 7 Employment Changes .. 8 When Your Active Participation Ends .. 8 401(k) plan Contributions .. 9 Your Contributions to the plan .. 9 Your Base Pay and Annual Bonus .. 9 Catch-Up Contributions .. 10 Rollover into the plan .. 10 Roth Rollover Contribution .. 11 In- plan Roth Rollover .. 11 Tax Implications of Before-Tax, Roth and After-Tax Contributions .. 12 Effect of Before-Tax Contributions on Other Benefits .. 12 Changing Your Contribution Amount .. 12 Contribution Rate Escalator .. 12 Stopping and Starting Your Contributions .. 13 Involuntary Contribution Suspension .. 13 Contributions While Receiving Short-Term Disability Benefits.

7/2018 3 401(k) Savings Plan About this SPD This Summary Plan Description (SPD) summarizes your 401(k) Savings Plan so you can understand how the Plan works.

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