Non-Taxable Withdrawals for Pre-1987 Contributions

Withdrawal of Rollover Contributions

Age 59-1/2 Withdrawals

Disability Withdrawals

Qualified Military Service Leave Withdrawals

QVEC Withdrawals

Age 65 Withdrawals from Money Purchase Plan Accounts

Qualified Birth or Adoption Distributions

Other In-Service Withdrawals

Distributions from Your Accounts

How Benefits Are Taxed

Administrative and Legal Information

Miscellaneous

Claims and Appeals

Your Rights under ERISA

Administrative Details

Glossary

Appendices

In addition to the general information in this Benefits Handbook, you can access your personalized compensation and benefits information through My Total Compensation and Benefits at www.totalcomponline.com.

Citi Benefits Handbook

Non-Taxable Withdrawals for Pre-1987 Contributions

If you have pre-1987 contributions in your After-Tax Contribution Account, you can request a "non-taxable withdrawal" at any time. The maximum available is 100% of the pre-1987 contributions. The minimum amount available is $500 or the total of your pre-1987 contributions, if less.