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IMPORTANT INFORMATION ABOUT THE CONTENTS OF THIS DOCUMENT This desc ription has bee n w ritten , to th e exte nt possible, in non-tech nical langu age to h elp yo u unde rstan d th e b asic ter ms and c onditio ns of the Citigroup Pension Plan (the Plan ) as it is curr entl y in ef f ect. This descriptio n is inte nde d only to be a su mma r y of the major highligh ts of the Pla n. No g ene ral expl anati on can ade qua tel y gi ve yo u all the details of th e Pla n. T his gen er al explanatio n d oes no t ch ange, expa nd, or othe rwise in te rp ret the t er ms of th e Plan . If ther e is an y conf lict bet ween the Plan docu me nt and t his descri ption, o r any w ritte n o r o ral communicatio n b y an in d ividual re pr esentin g the Pla n, t he t er ms of th e Plan docu me nt (as inter pre ted b y th e Plan Ad ministra to r in its s ole discretion ) will be f ollow ed in d ete r minin g you r rights and ben ef its unde r th e Plan.

Jan 01, 2017 · 1 INTRODUCTION TO THE PLAN Most people do not — but should — plan for retirement. Most of us will spend more than one quarter of our lives “retired.”

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