Citi Benefits Handbook
Vesting
Vesting refers to your permanent right to the value of your accounts, including: (1) your contributions, (2) contributions made to your account by the Company, and (3) any earnings or losses on those contributions.
You are always 100% vested in all of your contributions and contributions made to your account by the Company other than your Company Fixed Contribution Account and Company Transition Contribution Account. Exceptions may apply to some employer contributions if you are a rehired employee. In addition, a participant who performed an hour of service after June 26, 2007, was fully vested in his or her account attributable to pre-2008 matching contributions.
Your Company Fixed Contribution Account and Company Transition Contribution Account become 100% vested after three years of service. If you are not vested in your Company Fixed Contribution Account and Company Transition Contribution Account when you leave the Company, typically you will forfeit the amount in these accounts. However, you are automatically 100% vested, even without three years of service, if you die, become disabled, or attain age 55 while employed by the Company.