Important DatesJanuary 1

Your 2015 benefit elections go into effect

February American Heart Month

February 24Biometric screenings begin

(dates vary by location)

MarchNational Nutrition Month

Staying Cyber Safe . . . . . . . . . . . . . 2

Safety First — Protect Your Personal Information . . . . . . . . . . . . 3

Resources for Life . . . . . . . . . . . . . . 4

Get More Value Out of Your Workout . . . . . . . . . . . . . . . . . . . . . 5

Coordinating Short-Term Disability, FMLA and Vacation . . . . . 6

A New Year, a New Opportunity to Earn Wellness Points . . . . . . . . . . . . 7

Onsite Biometric Screenings Coming Soon . . . . . . . . . . . . . . . . . 8

Wellness Spotlight . . . . . . . . . . . . . 9

Medical Moment . . . . . . . . . . . . . . 10

Fitness Forum . . . . . . . . . . . . . . . . 10

Healthy Recipe . . . . . . . . . . . . . . . 11

Inside this Issue

BenefitsNews 1st Quarter 2015

BenefitsNews 1st Quarter 2015

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Staying Cyber SafeEmployee safety is a priority at Phillips 66 . We work hard to promote our culture of safety, protect individuals and keep our workplace accident-free . But in today’s society, where services and processes have become increasingly digital, physical safety alone isn’t enough . Cyber safety has also taken precedence as a priority in our lives .

In 2014, major companies such as Yahoo!, Home Depot and UPS, were the victims of cyberattacks . Unfortunately, costly data breaches aren’t restricted to the business world . Everyday consumers, like you and me, are also being targeted by cybercriminals . For a closer look at this topic, see “Safety First — Protect Your Personal Information” on page 3 .

While we can all agree that advances in technology have made our lives easier and more efficient in many ways, there is a downside to 24/7 connectivity . For example, as we integrate multiple personal devices — PCs, laptops, smartphones, and tablets — into our personal and work-related activities, hackers and scammers will have increased opportunity to access our confidential data .

So while you’re enjoying the new iPad or Galaxy Note that you got over the holidays, please take precautions about the passwords you use, the websites you visit and the companies you entrust with your personal information .

Our wish for 2015, and always, is for you and your family to be healthy, safe and secure in all aspects of your life .

Jesse Stephan Benefits Manager

BenefitsNews 1st Quarter 2015

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BenefitsNews 1st Quarter 2015

Beware of SolicitationsAs a rule of thumb, never provide personal information (or authorize any financial transaction, such as the transfer of funds) in response to unexpected solicitations . If you aren’t sure if the offer is legitimate, take these steps to keep your money safe:

• Call the customer service center or compliance office of the firm the caller claims to work for — using the number on the firm’s website or in a publicly available telephone directory . Do not use the number the caller provides. Verify the caller’s identity and the legitimacy of the request or offer .

• If you have an account at the firm, check caller ID (if you have it) for the firm’s name and telephone number . Be wary of an “unavailable” telephone number or one that is not readily identifiable . Keep in mind, however, that some clever scammers can falsify a phone number for caller ID purposes .

Safety First — Protect Your Personal Information

Be Cautious of Information RequestsAt no time will Phillips 66 vendors call or email you to request personal information, including your Social Security number, credit card number or other personal information . If you receive any such requests, please report them to the vendor’s customer service center or the Benefits Center .

If you’ve received a suspicious email or text, avoid opening it . If, however, you’ve already done so:

• Check out any embedded links by hovering over them with your mouse to view the related website addresses on your browser or status bar . Even if the email or text purports to be from a legitimate company, do not click on any links . Go directly to the company’s website from your browser and contact customer service to verify any requests or offers referenced in the email or text .

• If you’ve clicked on a suspicious link, immediately run your anti-virus/anti-malware software to help detect and remove any potential viruses .

You work hard for your money, so take common-sense measures to protect it . Remember, if the offer sounds too good to be true, it probably is!

“Phishing” — scams designed to trick you into revealing personal information — is on the rise . In some cases, you may even be contacted by individuals pretending to market financial services or seminars from well-known firms like Vanguard, which administers the Phillips 66 Savings Plan .

For example, after we announced changes to our Savings Plan fund lineup, individuals fraudulently claiming to be company-appointed financial advisors reached out to several Phillips 66 employees . In addition, several employees received phishing emails that appeared to be from Vanguard . In both instances, scammers were attempting to steal employees’ private information . . . and their money .

To protect yourself, and your money, be cautious about unsolicited phone calls, texts and emails that request your personal information such as Social Security number, credit card numbers, passwords and account data .

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BenefitsNews 1st Quarter 2015

As much as we’d like to have everything under control, the reality is that the challenges of daily living can be overwhelming — and that’s where Resources for Life comes in . Whether you’re coping with an aging parent, trying to lose weight, or even anticipating a happy event, like the birth of a child, Resources for Life offers work/life services to help .

Administered by ValueOptions, Resources for Life is:

• Free: You can access services and support free of charge .

• Easy to access: Go online or call the toll-free phone number any time, day or night .

• Provided by professionals: You’ve got access to highly trained and qualified professionals to help you find resources for your particular needs .

• Confidential: Your personal information is not shared with your employer, in accordance with federal and state laws .

A “Helpline” for LifeResources for Life is more than a helpline for those in crisis . While the plan certainly offers this valuable service, it also provides telephonic and online services for a variety of other life needs, such as:

• Adoption

• Adult care

• Aging

• Balancing work and family

• Child care

• Children and adults with special needs

• Daily living

• Education

• Emergency dependent care

• End-of-life issues

• Health and wellness

• Moving and relocation

• Parenting and child development

• Pet care

• Retirement

Resources for Life (Formerly the Employee Assistance Plan or EAP)

To Access Resources for Life Services: • Call (866) 517-7617

• Go to www.achievesolutions.net/phillips66

Online Resources to Enhance Your LifeResources for Life also provides online resources through the Achieve Solutions® website (available in English and Spanish), where you can search for network service providers and access articles and tools such as videos, calculators and quizzes to help you manage life challenges . Topics include:

• Depression

• Strengthening marriage and relationships

• Stress management

• Anxiety

• Conflict management

• Weight management

• Communication

Day or Night, Resources for Life Has You Covered!And remember, no matter when you contact Resources for Life, you’ll receive the support of a qualified professional who can assist you with your work/life needs .

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BenefitsNews 1st Quarter 2015

Get More Value Out of Your WorkoutWhile getting healthier is its own reward, we’re happy to “sweeten the pot” with the Fitness Reimbursement Program . The program, administered by WageWorks, reimburses you and your dependents for 50% of the cost of a fitness membership (up to $300 in reimbursement per person per year) .

Who’s Eligible?The Fitness Reimbursement Program is available to active employees, as well as dependents (spouses/partners and children aged 13 – 26), that are enrolled in a Phillips 66 medical plan .

Step Up to SavingsParticipating in the program is easy, just follow these steps:

• Set up separate WageWorks accounts for yourself and each participating member of your family . For directions on how to set up your account, refer to the FAQ that can be found on hr.phillips66.com in the News section on the homepage .

• Once you incur eligible expenses during the year, file for reimbursement online or download a claim form from the WageWorks site . Complete it, and submit your receipts to WageWorks . Each family member must file reimbursement requests separately through his or her personal account .

2014 Claims Due by March 30, 2015If you’re planning to have 2014 costs reimbursed through the Fitness Reimbursement Program, mark your calendar that March 30, 2015 is the deadline to submit requests for reimbursement for 2014 . For details on claims filing, refer to the FAQ that can be found on hr.phillips66.com in the News section on the homepage .

Reimbursements are made monthly through Phillips 66 payroll . If your claim is approved by the first of the month, you’ll generally receive reimbursement by the end of the month . Otherwise, you’ll receive reimbursement by the end of the following month .

What’s an Eligible Expense?Covered services under the Fitness Reimbursement Program include:

• Fitness/health center, club or studio membership (YMCA, local gym)

• Initiation fees

• Monthly account fees

The program doesn’t cover items such as personal trainers, yoga studios and golf/tennis memberships .

You can find a list of eligible expenses at www.wageworks.com . Once you’re logged into your account, simply click the “Eligible Expenses” link .

Reimbursements Are TaxableWhen filing your tax return, keep in mind that program reimbursements are considered taxable per IRS Guidelines and will be included in wages reported on your W-2 for the year received .

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BenefitsNews 1st Quarter 2015

Coordinating Short-Term Disability, FMLA and VacationWe’ve Got You Covered, So You Can Recover!Whether you’re facing a serious illness or preparing for the birth of a child, the last thing you want to worry about is your pay or job protection . Our Short-Term Disability (STD) benefit, Family and Medical Leave Act (FMLA) and vacation policies provide valuable support and peace of mind for these and other life situations that may arise .

STD and FMLA at a GlanceHere’s a breakdown of the basics:

STD FMLAFor work absences due to personal illness, injury or medical condition that is not job related .

Those services covered under STD, plus work absences to attend to personal or family matters, such as caring for a new child, dealing with your own or a family member’s serious health condition or attending to certain personal issues related to a military leave .

Provides up to 52 weeks paid leave at either 100% or 60% (ratio based on service date) .

Provides up to 12 weeks of unpaid leave for employees who have worked at least 12 months and at least 1,250 hours .

Does not provide job protection . Provides job protection . You cannot be disciplined for your absence covered under FMLA .

Phillips 66-provided benefit . Federally mandated benefit .

Eligible as soon as you become an employee .

Must work for Phillips 66 for 12 months and at least 1,250 hours to be eligible .

STD absences must be reported using the Employee Health Report (EHR) form .

FMLA absences are approved and documented through the FMLA application form .

If you qualify for both STD and FMLA, the two benefits run concurrently to maximize your protection and allow you to focus on your and your family’s needs . And to further ease your mind, your other P66 benefits won’t be affected .

How Vacation Integrates with STD and FMLAIn certain circumstances, vacation time will be integrated when you’re on STD, FMLA or both:

STD FMLAIf you’re on a scheduled vacation when you become disabled, you must complete the scheduled vacation before qualifying for STD benefits — except if you’re admitted to a hospital on an inpatient basis as a result of the disability .

If you’re taking FMLA to care for an immediate family member, you may choose to code your time as vacation if you wish to be paid for these absences .

While it can be hard to predict what life will bring your way, we hope you can breathe easier knowing that in an extended absence we’ve got you covered .

Visit hr .phillips66 .com for details about the Short-term Disability benefit provided under the Phillips 66 Disability Plan (found under Benefits for the Unexpected) and the Family and Medical Leave Act (found under Employee Leave Policies).

BenefitsNews 1st Quarter 2015

A New Year, a New Opportunity to Earn Wellness PointsCelebrate the new year — and a new you — with the Wellness Incentive Program! By taking part in health-enhancing activities, you can earn points towards:

• Instant rewards in 2015 — $25 gift card for every 100 points earned, up to $100 in gift cards; and

• Payroll credits for 2016 medical plan contributions (Consumer Plan and PPO Plan participants only), based on points earned in 2015:◆ 0 – 100 points: $0/month◆ 101 – 200 points: $25/month◆ 201 – 300 points: $50/month◆ 301+: $75/month

See the chart below for a summary of program activities, and start earning points today!

Wellness Incentive Program Activities and Points

Activity* Description*Points* (470 possible)

How is it earned or reported?

Health Assessment and biometric screening

You must complete these as your “gateway” to the Wellness Incentive Program

0 WebMD/Onsite Health Diagnostics reports to WebMD

Biometric outcomes: healthy range or 5% improvementOne “redo” allowed

Reasonable alternative available

• BMI: less than 30, or 5% improvement in weight• Cholesterol: 200 or less, or 5% improvement• Glucose: 100 or less, or 5% improvement• Blood pressure: less than 140/90, or 5% improvement

(Improvements measured against most recent results .)

50 each (200 max)

Biometrics must be sent to Onsite Health Diagnostics who then reports to WebMD

Tobacco free, or tobacco coaching

Have not used tobacco more than 4 times in the past 6 months, or complete the WebMD Tobacco Cessation program in 2015

50 You report tobacco free on your Health Assessment or WebMD reports completion of the tobacco cessation program

Fitness Challenges**Reasonable alternative available

Two official company challenges offered per year (points awarded upon successful completion of each challenge)

25 each (50 max)

WebMD manages these challenges

Company initiatives** Activities include both local and company programs such as health fairs, company-sponsored blood drives, cooking classes, etc .

• Up to 5 per year

10 each (50 max)

Phillips 66 reports to WebMD

Preventive care Dental and vision checkups; preventive medical (e .g ., annual physical, mammogram, colonoscopy, Pap smear, flu shot, PSA test)

• Up to 3 per year

20 each (60 max)

Employee faxes form to WebMD . Forms are available from WebMD or hr.phillips66.com .

Online activities and fitness

Use the Digital Health Assistant (DHA) — also known as the “Health Assistant” on the WebMD site — to:

• Input activity into an exercise tracker such as visiting a gym or participating in a cycling event, marathon, sponsored walks, etc .

• Complete a goal (of your choice) such as weight loss, stress management, nutrition, etc .

• Create a weekly DHA plan

This is all self-reported on WebMD’s website

5 each (60 max)

You report to WebMD

* Point values and requirements subject to periodic change .** Only for events sanctioned by corporate benefits (look for the Wellness Incentive Point logo) .

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BenefitsNews 1st Quarter 2015

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BenefitsNews 1st Quarter 2015

Onsite Biometric Screenings Coming SoonGetting an annual biometric screening is one of the best ways to identify health issues early on . Plus, you earn Wellness Incentive Program points for outcomes within optimal ranges or improvements over your prior year’s screening .

Once again, we’re offering onsite biometric screenings for your convenience . Visit the Onsite Health Diagnostics website at https://my.onsitehd.com/signup/phillips66 to:

• See the latest screening schedule for your location .

• Register for an onsite screening .

• Download a physician referral form .

To get started, all you need is your 6-digit employee ID to register and set up your username and password . If you participated last year, just use the username and password you’ve already established .

Onsite biometric screenings are confidential, voluntary and available at no cost to you! And while you’re at your screening, take a moment to speak to the onsite health coach about ways you can enhance your health .

Visit https://my.onsitehd.com/signup/phillips66 to sign up for a screening or download a physician form .

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Report Wellness Incentive Program Activities by November 30 To get full credit for completed activities, be sure to report them to WebMD via the My Health Resource website . Remember, everything must be received by WebMD no later than November 30, 2015 .

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Frank Nichols is a man on the run … and couldn’t be happier . A few years ago, Frank was trying to manage his elevated blood pressure mainly through prescription drugs . But when medication failed to manage his condition, Frank expressed his concern to his physician . “I’ll never forget what my doctor said, ‘Oh I can get it down with a higher dosage — if you don’t mind sitting on the couch all day half-asleep .’”

The conversation got Frank’s attention . “I could see where my health was headed if I didn’t make some changes to increase my level of activity .” As they discussed options, Frank brought up the possibility of running . “I used to run when I was younger, but hadn’t done it in a long time .”

Frank’s physician, an avid runner, agreed that running would be fine, but cautioned him to be patient, “He told me not to get greedy, and that good things would happen if I just kept at it .”

Once he started running, Frank was grateful for his doctor’s advice . “I was close to 58 then, and had a tough time getting back into shape . It was more of a challenge than I thought it would be .” He persisted, and at a friend’s suggestion, decided to enter a 5k Fourth of July Race in 2013 .

Although Frank’s performance did not meet his expectations, he was encouraged by other runners at the post-race breakfast . “Instead of being disappointed, I saw the race as another beginning to build on and improve .” Frank set his sights on running a half-marathon — which he accomplished in the fall .

Wellness SpotlightFrank Nichols — Paso Robles

Frank set a more ambitious goal for himself after he turned 59 . “I read an article in Runner’s World about someone who’d competed in seven marathons in seven months . Then I saw the Phillips 66 wellness video, which featured Bill “Spot” Metzler talking about running 60 miles on his 60th birthday . So I thought maybe I would run six more half-marathons before I turned 60 .”

Frank reached out to Metzler, who was happy to lend support . “Bill was very encouraging,” says Frank . “He said you have to train, but resting is an important part of training . Take time to let your body recover and rebuild . I figured he’d been down this road already, so I decided to follow his advice . As I went along, I kept him updated through the year on how I was doing .”

Metzler, who also competes in triathlons, advocated cross-training, so Frank began to incorporate biking and swimming into his exercise routine . The enhanced regimen paid off . Frank achieved his goal of completing six half-marathons two days before his 60th birthday . From his first half-marathon to this sixth, he managed to cut his race time by 10 minutes .

Looking back on the past year, Frank is pleased that he’s been able to reach his health and racing milestones . Now he’s looking ahead to his next step — running a full marathon . He keeps in touch with Bill, who remains an inspiration . “Bill’s comment from the Phillips 66 wellness video — ‘To set a milestone and reach it’— has become my personal mantra .”

With a new fitness goal to pursue, and a growing network of fellow runners for support, Frank is more than ready to take on his next challenge .

Frank Nichols, competing in a Monterey Bay half-marathon

BenefitsNews 1st Quarter 2015

Get Inspired, Get Healthy!Get your own dose of wellness inspiration! Check out the Phillips 66 video on the Wellness Programs section on hr.phillips66.com .

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One in three American adults has high blood pressure . While following the guidance of your doctor and taking any prescribed medication are certainly important to treating your condition, improving daily health habits can also help lower your blood pressure and potentially decrease your need for medication .

Here are some tips to get started — as always, consult your doctor before beginning a new exercise and/or diet regimen:

• Get moving: Just 20 to 30 minutes of moderate exercise every day can help lower blood pressure . Aerobic activities, such as walking, biking and swimming, are especially helpful .

• Add some DASH to your life: The Dietary Approaches to Stop Hypertension (DASH) diet emphasizes eating fruits, vegetables, whole grains and low-fat dairy products and recommends minimizing your intake of saturated fats, red meat and sugar . To learn more about DASH, visit www.dashdiet.org .

• Say “no” to sodium: A high-sodium diet can elevate your blood pressure and increase your chances of stroke and heart disease . Health experts recommend that sodium intake be less than 2,300 mg per day — and even lower if you:– Are age 51 or older – Are African American – Currently have high blood pressure,

diabetes or chronic kidney disease

• Practice portion control: Stick to “normal” portions of food to benefit your blood pressure and waistline . See the Q2 2014 issue of BenefitsNews, “Medical Moment: Getting Portion Control in Hand” for more details .

• Accept no substitutes: As much as possible, steer away from processed foods (such as canned and frozen ready-to-eat foods, cheeses and luncheon meats) .

• Maintain a healthy weight: Staying at a healthy weight can help reduce blood pressure or prevent high blood pressure .

• Ban the booze: While some might enjoy a glass of wine or cocktail from time to time, drinking alcohol can actually raise your blood pressure .

Managing any health condition takes a little discipline, but by making a commitment to better health habits, you can take the first step to managing high blood pressure, as well as lower your risk for other health issues .

After the holiday season, and the wonderful holiday meals and goodies that come with it, you may not feel so jolly when you look in the mirror . Good news — the Energy Industry Challenge, sponsored by HealthyWage, is here to help! Beginning January 22, this company-to-company challenge can help you shed pounds and perhaps fatten your wallet at the same time!

Shape Up with the HealthyWage Energy Industry Challenge!Fitness Forum

Put the Brakes on High Blood PressureMedical Moment

About HealthyWageHealthyWage is a company that holds weight loss challenges and contests that give participants a chance to win money for losing weight.

What Is the Energy Industry Challenge?The Energy Industry Challenge is a 12-week weight loss challenge that’s targeted to energy industry companies . Phillips 66 teams will compete against teams from ConocoPhillips and a couple of other energy companies to lose weight and vie for more than $30,000 in cash prizes, including:

BenefitsNews 1st Quarter 2015

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BenefitsNews 1st Quarter 2015

Submit your healthy recipe to BenefitsNews@p66.com for a chance to earn Wellness Incentive Program points and have your recipe featured in a future issue of BenefitsNews .

Ingredients

Crust:2 cups cooked quinoa, chilled1/8 teaspoon ground pepper1 egg, beatenCooking spray

Filling:1 teaspoon canola oil½ onion, thinly sliced1 (5-ounce) bag baby spinach½ cup 1% low-fat milk½ teaspoon salt¼ teaspoon ground pepper¼ teaspoon crushed red pepper4 eggs2 egg whites1 .5 ounces feta cheese, crumbled

Who Can Participate?All Phillips 66 employees, plus friends and family members can also join . All you need is a team of five . You don’t need to be enrolled in the Phillips 66 Medical Plan to take part in the challenge .

How Can I Sign Up?To sign up for the Energy Industry Challenge, register by February 13 at www.healthywage.com/clients/phillips66 . The registration fee is $70 per person and can be broken into three installments of $23 .33 per month for three months . Registration fees are fully refunded for a 10% weight loss after 9 months .

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Spinach and Feta Quiche with Quinoa Crust

Healthy Recipe Nutrition Facts — 4 ServingsAmount Per ServingCalories . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .282Fat . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 .6gCarbohydrates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .28gProtein . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17g

Preparation

Preheat oven to 375 degrees .

For the crust, combine quinoa, pepper and egg in a bowl, stirring well . Press mixture into bottom and up sides of a 9-inch pie plate coated with cooking spray . Bake for 20 minutes, cool .

For the filling, heat a non-stick skillet over medium heat . Add oil and onion; sauté 3 minutes . Add spinach and sauté 3 minutes . Remove from the heat; cool .

Combine the milk and next 5 ingredients in a bowl; stir with a whisk . Arrange spinach mixture into crust; pour egg mixture over spinach . Sprinkle with feta . Bake for 35 minutes . Let stand 5 minutes; cut into 4 wedges .

Need More Information?For more details, visit the team challenge FAQs . If you still have questions about the program, contact HealthyWage directly at 888 .636 .3832 or email info@healthywage.com .

• $10,000 grand prize to top team overall

• Guaranteed $2,000 grand prize to top team from Phillips 66

• $100 prize drawings for participants who lose at least 6% of their weight

• Mini-challenge prizes during the challenge

The challenge begins January 22 and continues through April 17 .

BenefitsNews 1st Quarter 2015

BenefitsNews is produced by Phillips 66 U .S . Benefits . To provide feedback on the articles in the newsletter, send an email to BenefitsNews@p66.com . This newsletter provides highlights of the health, welfare, retirement and savings benefits and is for information purposes only . Receipt of this document does not guarantee eligibility for the associated plan . Eligibility for benefits is governed by the specific terms and conditions of the official plan document and any underlying insurance contracts . If there is any discrepancy or conflict between these highlights and the terms of the official plan documents and any underlying insurance contracts, as applicable, the official plan documents and insurance contracts, as applicable, will control . Phillips 66 reserves the right to amend, change or terminate the plans, any underlying contract or any other program, at any time without notice, at its sole discretion, according to the terms of the plan or program .

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• Tips for protecting your personal information

• Resources for Life at a glance

• How time off benefits integrate (FMLA/STD/Vacation)

Don’t miss in this issue!