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 50% of the first 6% of your eligible compensation that you contribute, up to a maximum company matching contribution of $6,600 per year.

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%