Citi Benefits Handbook
Incorporation of SEC Filings
The SEC allows the Company to "incorporate by reference" the information it files with the SEC, which means that it can disclose important information to you by referring you to those documents.
The information incorporated by reference is considered to be part of this Prospectus. Information that the Company files later with the SEC automatically will update information in this Prospectus. In all cases, you should rely on the later information over different information included in this Prospectus.
The Company incorporates by reference into this Prospectus the documents listed below:
  • The Company's Annual Reports on Form 10-K for the years ended December 31, 2016 and December 31, 2017;
  • The Plan's Annual Report on Form 11-K for the year ended December 31, 2017;
  • All other reports filed by the Company or the Plan pursuant to Section 13(a) or 15(d) of Exchange Act since the end of the fiscal year covered by the annual reports referred to above (other than portions of those documents furnished unless the Company specifically incorporates them by reference into this Prospectus or otherwise not deemed to be filed); and
  • The description of the Citigroup Common Stock contained in Citigroup's report on Form 8-K filed on May 11, 2009 and any amendments or reports filed to update such descriptions.
The Company will, from time to time, update this Summary Plan Description and/or other portions of the Prospectus, including the other documents that form a part of the Prospectus to reflect material changes related to the Plan or to supplement the Prospectus. Such updated or supplemental information, which will be delivered to Plan participants, should be read together with this Summary Plan Description and the other documents that form part of the Prospectus.
If information in documents that update this Prospectus conflicts with information in this Prospectus, you should rely on the most recent information. If information in a document incorporated by reference into the Prospectus conflicts with information in a different incorporated document, you should rely on the most recent incorporated document.
The Company will provide its Annual Report on Form 10-K and its Proxy Statement for the most recent year to all Plan participants and will provide without charge to each person to whom this Prospectus is delivered, on his or her written or oral request, a copy of any or all of the foregoing documents incorporated herein by reference (other than exhibits that are not specifically incorporated by reference into the referenced documents). Written or telephone requests should be directed to Citi Document Services, 111 Wall Street, New York, NY 10005 or 1 (877) 936-2737 or, if calling from outside the United States, +1 (716) 730-8055. These documents are also available on Citi's website at
Citi financial reports can be viewed or retrieved through Citi's website at by clicking on the "Investor Relations" page and selecting "All SEC Filings" or through the SEC's website at
Information on Plan investment options contained in the investment brochure provided periodically to Plan participants are also incorporated herein by reference. Additional copies of this Prospectus, and information on Plan investment options contained in the investment brochure and quarterly returns also constituting part of this Prospectus may be obtained without charge by contacting the Plan in the manner described above.
Neither the SEC nor any other regulatory body has approved or disapproved these securities or passed upon the adequacy or accuracy of the Prospectus. Any representation to the contrary is a criminal offense.
The Prospectus does not constitute an offer to sell, or a solicitation of an offer to buy, the securities to which the Prospectus relates in any jurisdiction to any person to whom it is unlawful to make such an offer or solicitation in such jurisdiction.
Neither delivery of the Prospectus nor any sale made pursuant to the Prospectus will, under any circumstances, create any implication that there has been no change in the affairs of the Company since the date hereof or the dates as of which information is set forth in the Prospectus.
You should also note that the Plan's fiduciary has claimed an exclusion from the definition of the term "commodity pool operator" pursuant to CFTC Rule 4.5 and, therefore, is not subject to registration or regulation as a pool operator under the Commodity Exchange Act.