If you are an active employee who participated in the Citibank Savings Incentive Plan and have a balance in the QVEC Account relating to the Plan, you may request a QVEC withdrawal at any time. The minimum is $500 or the total balance, if less. Former employees of Travelers Corporation with a QVEC balance may request a QVEC withdrawal at any time as described in "Appendix A — Historical Plans."