Normal Retirement Age

Citi Retirement Savings Plan

Important Privacy Information About the My Total Compensation and Benefits Website

Important Information about this Benefits Handbook

Eligibility and Enrollment

Contributions to Your Accounts

Plan Limitations

Roth In-Plan Conversions

Investing Your Plan Accounts

Financial Tools to Help You Manage Your Savings

Distributions from Your Accounts

How Benefits Are Taxed

Administrative and Legal Information

Nonalienation and Qualified Domestic Relations Orders (QDROs)

Account Statements

Electronic Communications

Top-Heavy Provisions

Normal Retirement Age

Claims and Appeals

Your Rights under ERISA

Administrative Details

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

Normal Retirement Age

The normal retirement age under the Plan is age 65.

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