Each of you may be covered under the medical, dental and vision plans as either an employee or a dependent but not as both. Either of you may cover your children, but they cannot be covered by both of you.

Each of you, as a Citi employee, may contribute to an HCSA, but you may not file more than once for reimbursement of the same eligible expense. However, your partner and his/her eligible child(ren) are eligible only if they are considered your tax "dependents" within the meaning of Section 152 of the Internal Revenue Code (the "Code") as determined without regard to subsections (b)(1), (b)(2) and (d)(1)(B) thereof. If your partner's children are not your tax dependents, as noted above, your partner, as a Citi employee, can contribute to his/her own HCSA.

If you or your spouse enroll in the Citi High Deductible Plan with HSA, either of you may contribute to an LPSA, but you may not file more than once for reimbursement of the same eligible expense. You may use the LPSA to be reimbursed only for dental, vision or preventive medical care expenses that are not already covered by the Plan. Neither of you can enroll in the HCSA. Your partner and his/her eligible child(ren) are eligible only if they are considered your tax "dependents" within the meaning of Section 152 of the Code, as determined without regard to subsections (b)(1), (b)(2) and (d)(1)(B) thereof. If your partner's children are not your tax dependents, as noted above, your partner, as a Citi employee, can contribute to his/her own LPSA.

The maximum amount that can be contributed to an HSA for the 2024 calendar year is $4,150 for individual and $8,300 for all other coverage levels. This does not mean that both family members can contribute $8,300 each; it is a combined contribution amount. Citi makes up to a $500 annual contribution for individual coverage and up to a $1,000 annual contribution for employees with family coverage (other than individual). Citi's contribution to your HSA counts toward your annual contribution maximum. Once HSA is established, if you are age 55 or older, you can make an additional catch-up contribution of up to $1,000. You are permitted to elect a contribution (up to the Code maximum) or change your election amount at any time during the plan year. If your partner's children are not your tax dependents, as noted above, your partner, as a Citi employee, can establish his/her own HSA if he or she has enrolled in a High Deductible Plan with HSA.

Either of you may contribute to a DCSA but you may not file more than once for reimbursement of the same eligible expense. You and your spouse/partner cannot contribute more than $5,000 per year to a DCSA combined. Your partner and his/her eligible child(ren) are eligible only if they are considered your tax "dependents" within the meaning of Section 152 of the Code as determined without regard to subsections (b)(1), (b)(2) and (d)(1)(B) thereof. If your partner's children are not your tax dependents, as noted above, your partner, as a Citi employee, can contribute to his/her own DCSA.

Spouses/partners, as Citi employees, must enroll in TRIP on their own behalf.

Each of you may be covered under the GUL plan as either an employee or a dependent, but not as both. Either of you may cover your children, but they cannot be covered by both of you.

Each of you may be covered under the Supplemental Medical Plans as either an employee or a dependent, but not as both. Either of you may cover your children, but they cannot be covered by both of you.

Each of you may be covered under the Supplemental AD&D plan as either an employee or a dependent, but not as both. Either of you may cover your children, but they cannot be covered by both of you.

Health Assessment Reward: All employees can earn the $100 Live Well Reward for the Health Assessment as long as they were hired (or transferred from a Citi international business) by October 1, 2023 and complete their Health Assessment between October 1 and November 12 2023. If your spouse/partner is also a Citi employee, he/she can earn the $100 Reward as well. If your spouse/partner is not a Citi employee, he/she can only earn the $100 Reward if he/she is enrolled in a Citi medical plan. If both you and your spouse/partner are Citi employees and you are not enrolled in a Citi medical plan, you both will earn your Live Well Rewards that can be redeemed for gift cards in the Home tab of your Virgin Pulse account at https://landing.virginpulse.com/LiveWell or through the Virgin Pulse app. If both you and your spouse/ partner are Citi employees who are enrolled in the Citi medical plan and both complete the Health Assessment, the $200 premium discount will be applied to the employee who has medical coverage for the couple, if applicable. If you both elect individual coverage, the premium discount of $100 will be applied to each individual's coverage.

Tobacco Penalty: The tobacco penalty is applied per adult with Citi medical coverage per year, regardless of whether both adults work for Citi or not. See "Live Well Tobacco Cessation Program" under the Wellness section for details.

You and your household members are covered under this program.

If either of you enrolls, the spouse/partner and dependent children are also covered.