You may begin contributing to the Plan after you become eligible. When you enroll, you decide:

Your contributions will be deducted from your pay with the next available pay period after your enrollment is processed.

You can enroll online through My Total Compensation and Benefits at www.totalcomponline.com or by calling the Citi Benefits Center as described under "How to Contact the Plan."

The Plan has an automatic enrollment feature to encourage savings if you have not otherwise enrolled in the Plan. When you are automatically enrolled in the Plan, 6% of your eligible pay is withheld from your pay each pay period and contributed to the Plan as a Before-Tax Contribution (not as a Roth After-Tax Contribution).

You will be automatically enrolled in the Plan effective with the first payroll period that ends after the 90-day period beginning on your date of hire or rehire. If you do not want to contribute to the Plan, you wish to contribute more or less than 6% of your pay, or you wish to designate all or a portion of your pay as a Roth After-Tax Contribution, you must opt out, elect a different percentage, or designate all or a portion of your pay as Roth After-Tax Contribution within 90 days of your date of hire (or rehire) by visiting the Plan's website accessible through My Total Compensation and Benefits at www.totalcomponline.com or calling the Plan as instructed under "How to Contact the Plan."

Once you are enrolled in the Plan, you cannot receive a refund of any contributions made to the Plan, so you should consider your options during your first 90 days. You may increase, decrease or suspend your future contributions at any time by contacting the Plan.

In general, after you have met the eligibility requirements for Company Matching Contributions, the Company will match one dollar for each dollar you contribute, up to a maximum of 6% of your annual eligible pay up to the limit established by the Internal Revenue Service (IRS). The automatic enrollment feature is designed to allow you to get the most from these Company Matching Contributions. See "Company Matching Contributions" for information about eligibility for the Company Matching Contribution.

See "Investing Your Contributions" for an explanation of how your automatic contributions are invested.

If you were automatically enrolled in the Plan and have not changed your contribution percentage, your contribution rate will increase automatically by 1% each year over a nine-year period to a maximum of 15%. At 15%, the automatic annual increases to your contribution rate will stop.

The first contribution rate increase for employees automatically enrolled in the Plan between January 1 and June 30 of any year will take effect March 1 of the following calendar year.

The first contribution rate increase for employees automatically enrolled in the Plan between July 1 and December 31 of any year will take effect March 1 of the year following the first full calendar year of automatic enrollment.

After the first automatic rate increase occurs, an additional 1% rate increase will take effect on March 1 of each subsequent calendar year until the 15% limit is reached.

If you were not automatically enrolled and would like to take advantage of the Plan's automatic increase feature you can 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 enroll.