Use this chart to figure out what level you are:

Level 01 - 000,000 XP
Level 02 - 001,000 XP
Level 03 - 003,000 XP
Level 04 - 006,000 XP
Level 05 - 010,000 XP
Level 06 - 015,000 XP
Level 07 - 021,000 XP
Level 08 - 028,000 XP
Level 09 - 036,000 XP
Level 10 - 045,000 XP
Level 11 - 055,000 XP
Level 12 - 066,000 XP
Level 13 - 078,000 XP
Level 14 - 091,000 XP
Level 15 - 105,000 XP
Level 16 - 120,000 XP
Level 17 - 136,000 XP
Level 18 - 153,000 XP
Level 19 - 171,000 XP
Level 20 - 190,000 XP

Every 4th level one gains 2 points to add to any abilities in any combonation that they so choose. For instance, at 4th level, a character could conceivably add 2 pts. to their Wisdom or 1 point to their Wisdom and 1 point to their Intellegence.