Distributions from Your Accounts

Following Termination of Employment

On or After Normal Retirement Date

If You Become Disabled

If You Die

Required Minimum Distributions

Forms of Payment

How Distributions Are Processed

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

Distributions from Your Accounts

You (or, in the case of your death, your beneficiary) can receive the vested value of your Plan accounts as a distribution after:

You leave the Company and all affiliates for any reason including, but not limited to, your voluntary resignation, total disability, or retirement; or

Your death.