The Company may restrict the ability of certain Plan participants to invest in the Citigroup Common Stock Fund or any other investment fund offered by the Plan. The Plan is subject to certain securities and regulatory requirements, and it will be administered to comply with such requirements. Certain Plan participants also may be subject to the corporate policies that limit personal trading. If your ability to invest under the Plan is restricted, you will be notified of these restrictions and any transactions you direct that do not comply with these restrictions may be reversed. If reversed, you will not receive any gains but will be subject to any losses associated with such reversal.