Stock Exchange Listing ChevronTexaco common stock is listed on the New York and Pacific stock exchanges. The symbol is "CVX."

Stockholder Information Questions about stock ownership, changes of address, dividend payments or direct deposit of dividends should be directed to ChevronTexaco's transfer agent and registrar:

Mellon Investor Services LLC
85 Challenger Road
Ridgefield Park, NJ 07660-2108
800 368 8357
www.melloninvestor.com

The Mellon Investor Services Program (800 842 7629, same address as above) features dividend reinvestment, optional cash investments of $50 to $100,000 a year, automatic stock purchase and safekeeping of stock certificates.

Dividend Payment Dates Quarterly dividends on common stock are paid, following declaration by the Board of Directors, on or about the 10th day of March, June, September and December. Direct deposit of dividends is available to stockholders. For information, contact Mellon Investor Services. (See Stockholder Information.)

Investor Information Securities analysts, portfolio managers and representatives of financial institutions may contact:

Investor Relations
ChevronTexaco Corporation
6001 Bollinger Canyon Road, Bldg. A
San Ramon, CA 94583-2324
925 842 5690
Email: invest@chevrontexaco.com

Annual Meeting The Annual Meeting of stockholders will be held at 8:00 a.m., Wednesday, April 28, 2004, at:

ChevronTexaco Corporation
6001 Bollinger Canyon Road
San Ramon, CA 94583-2324

Meeting notice and proxy materials are mailed in advance to stockholders, who are urged to study the materials and complete the proxy card. All stockholders should sign the proxy card and return it promptly so their shares are represented in the final vote.

Publications and Other News Sources The Annual Report, published in March, summarizes the company's financial performance in the preceding year and provides an outlook for the future.

ChevronTexaco's Web site, www.chevrontexaco.com, offers facts and figures about the company and the energy industry. It includes articles, news releases, speeches, quarterly earnings information, the Proxy Statement and the complete text of this Annual Report.

The Supplement to the Annual Report, containing additional financial and operating data, and Form 10-K, prepared annually for the Securities and Exchange Commission, are available after April 15 by writing to:

Comptroller's Department
ChevronTexaco Corporation
6001 Bollinger Canyon Road, A3201
San Ramon, CA 94583-2324

Details of the company's political contributions for 2003 are available by writing to:

Policy, Government & Public Affairs
ChevronTexaco Corporation
6001 Bollinger Canyon Road, A2108
San Ramon, CA 94583-2324

Information about charitable and educational contributions is available in the second half of the year on ChevronTexaco's Web site, www.chevrontexaco.com.

Legal Notice As used in this report, the term "ChevronTexaco" and such terms as "the company," "the corporation," "our," "we" and "us" may refer to one or more of its consolidated subsidiaries or to all of them taken as a whole. All of these terms are used for convenience only and are not intended as a precise description of any of the separate companies, each of which manages its own affairs.

Corporate Headquarters
6001 Bollinger Canyon Road
San Ramon, CA 94583-2324
925 842 1000

This Annual Report contains forward-looking statements — identified by words such as "expects," "intends," "projects," etc. — that reflect management's current estimates and beliefs, but are not guarantees of future results. Please see "Cautionary Statements Relevant to Forward-Looking Information for the Purpose of 'Safe Harbor' Provisions of the Private Securities Litigation Reform Act of 1995" on Page 25 for a discussion of some of the factors that could cause actual results to differ materially.

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