The Plan Administrator makes every effort to ensure that enrollment, contribution and investment elections, and similar actions taken by participants and beneficiaries and the Plan Administrator are processed timely and correctly. However, if any errors are made, Citigroup Inc. (as Plan Sponsor), and the Plan Administrator, reserve the right to correct them, including recovery of excess amounts plus interest or earnings from you (or your beneficiary). It is your responsibility to check your pay statement and your Plan statements and confirmations to be sure transactions have been processed correctly. If you discover any errors, call the Plan immediately as instructed under "How to Contact the Plan." Depending on the type of error, the Plan is not responsible for making up any lost investment earnings or interest on the amount involved in the error.