The following definitions apply to the Plan unless clearly indicated otherwise.

This account holds your After-Tax Contributions (including certain pre-1987 contributions), any after-tax contributions you may have rolled over from another employer's qualified plan, a 403(b) plan, or a 457(b) plan of a government entity and after-tax contributions permitted in prior years for former Travelers Property Casualty and Copeland employees. You also may have after-tax contribution accounts from prior plans that were merged into the Plan. Any earnings or losses on all such contributions are included.

This account holds your Before-Tax Contributions and any earnings and losses on those contributions. Your Before-Tax Contribution Account may hold your contributions to plans of a prior employer that were merged into the Plan. Pre-1999 contributions made to the Savings Incentive Plan of Citibank, N.A. and Participating Companies (previously known as Basic Award Contributions) are included.

The contributions you contribute to the Plan on a before-tax basis (i.e., contributions that were deducted from your pay before being subject to federal and, in some cases, state and local income taxes).

An investment fund comprised of shares of Company Stock.

This account holds dividends reinvested in the Citigroup Common Stock Fund.

Internal Revenue Code of 1986, as amended.

The Plans Administration Committee of Citigroup Inc.

Citigroup Inc. and its participating subsidiaries and affiliates. Participating subsidiaries include any U.S. entity in which the Company owns at least an 80% interest.

Citigroup Inc. common stock.

This account holds the following Company Contributions, adjusted for any earnings or losses:

Your Company Contribution Account also may hold your contributions to plans of a prior employer that were merged into this Plan.

The Company Fixed Contributions made by the Company for eligible participants.

This account holds your Matching Contributions, adjusted for any earnings or losses thereon.

The Company Matching Contributions made with respect to your Before-Tax and/or Roth After-Tax Contributions.

This account holds your Company Transition Contributions, adjusted for any earnings or losses thereon.

The Company Transition Contributions made by the Company for eligible participants.

A disability that would qualify a participant to receive long-term disability benefits under a Company disability plan. For purposes of the Plan, a participant becomes "Disabled" if he has incurred a disability and is no longer an employee.

The Company and its participating subsidiaries and affiliates. Participating subsidiaries and affiliates include any U.S. entity in which Citigroup Inc. owns at least an 80% interest.

The Employee Retirement Income Security Act of 1974, as amended.

The Internal Revenue Service.

This account holds any contributions made for you by prior employers who had money purchase plans merged into the Plan (e.g., the Retirement Services Division of CitiStreet LLC, Citibanamex and First American Bank), adjusted for any earnings or losses. Amounts held in your Money Purchase Plan Account must be distributed in the form of an annuity unless you and, if applicable, your spouse or registered domestic partner provide consent to another form of distribution.

A one-time contribution for certain former Shearson employees, as specified under the Plan, and any earnings or losses thereon.

January 1 through December 31.

This account includes 1990 and 1991 employer-qualified matching contributions for Travelers Group employees, other qualified matching contributions, and qualified non-elective contributions made to the Plan or prior plans, as adjusted for any earnings or losses on such contributions.

The Qualified Default Investment Alternative or QDIA is the Plan's "target retirement date" fund consistent with your projected year of retirement, which, for this purpose, is the year you will become 65 years of age. If your age is not on file with the Plan, contributions will be invested in the target retirement date fund with a projected retirement date of 2025. The Plan has adopted target retirement date funds as its QDIA under Department of Labor regulations.

This account holds pre-1987 qualified voluntary employee contributions (QVECs) under the Savings Incentive Plan of Citibank, N.A. and Participating Companies and QVEC contributions made by former employees of the Travelers Corporation (described in Appendix A), as adjusted for any earnings or losses on such contributions.

Employer contributions under the Salomon Payroll Based Stock Ownership Plan or additional employer matching contributions made in stock before 1999 for Salomon employees and any earnings or losses thereon.

This account holds certain employer contributions to plans of a prior employer that were merged into this Plan including profit-sharing contributions made before 1980 for employees in the Savings Incentive Plan of Citibank, N.A. and Participating Companies; The Associates post-1991 profit-sharing and match; Wellspring plan employer non-elective contributions; EAB prior plan frozen matching contributions; certain Ecount employer contributions; and any earnings or losses thereon.

This account holds your before-tax rollover contributions made to the Plan or a prior employer plan from another employer's eligible retirement plan, as adjusted for any earnings or losses thereon. After-tax rollover contributions are held separately in the After-Tax Contribution Account.

The contributions that you make to the Plan on an after-tax basis that are subject to the Roth distribution requirements.

This account holds your Roth After-Tax Contributions, which are deducted from your eligible pay after being subject to federal and, in some cases, state and local income taxes. Your Roth Contribution Account is adjusted for earnings or losses.

This account holds your Roth Rollover Contributions, as adjusted for any earnings or losses. This account also holds Roth rollover contributions to a prior employer plan that was merged into the Plan.

The trust established under the Plan for purposes of investing and holding the assets of the Plan.