In general, upon leaving the Company and all affiliates, you may take a distribution from the Plan in the following forms:

If your account balance is more than $7,000, you may defer payment. However, payments must begin by your required beginning date, as described under "On or After Normal Retirement Date." If your account balance is $7,000 or less, see "Following Termination of Employment."

If you elect a partial termination distribution in cash, the distribution generally is withdrawn on a pro-rata basis across all your account types and investment options in effect on the distribution date. If you elect installment payments in cash, each payment is withdrawn pro-rata across all your account types and investment options as in effect on each installment payment date.

If you elect installment payments, you can elect a fixed amount and frequency and are permitted to change the frequency and/or fixed payment amount. You are also permitted to elect a lump-sum payment of your remaining account balance.

You also may purchase a fixed annuity. The Plan does not offer a monthly annuity as a payment option (except as provided below in connection with money purchase plans that were merged into the Plan). However, you can contact the Plan for information about the benefits of retirement annuities and a program where you can take all or part of your Plan balance to purchase an individual annuity at group rates. You may want to consider consulting with a professional financial adviser before purchasing an annuity.

If you have an account that was transferred to the Plan from a prior employer's money purchase plan, you may elect to receive payment from your Money Purchase Plan Account in the form of an annuity. If you are married and wish to elect a payment option for your Money Purchase Plan Account other than a 50% or 75% joint-and-survivor annuity option with your spouse as beneficiary, your spouse must consent to your election in writing. Your spouse's signature must be witnessed by a notary public. Visit the Plan's website accessible through My Total Compensation and Benefits at www.totalcomponline.com or call the Plan as instructed under "How to Contact the Plan" to obtain the forms for spousal consent.

If any portion of your account is invested in the Citigroup Common Stock Fund and you elect the lump-sum or installment option, you may request that those funds be distributed to you in shares of Company Stock with any fractional shares distributed in cash.

You also may convert any cash or funds in your account into the Citigroup Common Stock Fund and request a distribution of your entire account in whole shares of Citigroup common stock. A fractional share will be converted and distributed in cash.

For details about how taxes affect your benefits distribution, see "How Benefits Are Taxed."