The 401(k) plan helps you save for your future because it enables you to build a personal retirement fund through convenient payroll deductions. You can save from 1% to 25%, depending on your base salary, on a pre-tax basis (up to the allowable limits set by the IRS each year), an after-tax basis, or a combination of both pre- and after-tax. You can also elect separate deferral percentages for your base pay and bonus/commission pay.

As a participant in the 401(k) plan, SAP America will match 75% of the first 6% of your eligible compensation that you contribute.

There are 23 investment fund options available, including the SAP American Depositary Receipt (ADR) Stock Fund.

Company contributions become vested based on the following schedule:

Years of Credited Service	Vested Amount
One year	0%
Two years	50%
Three years	100%