401(k) Plan Account Summary. Total Account Balance by Source. Your Benefits Resources available through at

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1 S KRISTOPHER M. JACOBS 2 SHERINGHAM CT APT H KETTERING OH Your Benefits Resources available through TotalComp@Citi at Citi Benefits Center from 8 a.m. to 8 p.m. Eastern (New York) time on weekdays, excluding holidays. 40(k) Plan Account Summary Activity from April, 204 through May 23, 204. Opening Balance $2, Total Account Balance by Source The chart below shows what portion of your total account balance comes from each source. Deposits Before Tax Loan Repayments Withdrawals Gains/Losses Closing Balance , , $9, Match Fixed Before-Tax Total Amount $7, , , $7,87.37 Percent Vested Vested Balance $9, Loan Balance $8,43.07 Your Rate of Return for the Period 0.5% The closing balance excludes your outstanding loan balance. 2 See the Fee and Expense Detail table for a breakdown of expenses. delivered by Hewitt

2 Page 2 Contribution Rates Elected Rate Catch-Up Contribution Election Per Pay Period Before-tax 4% Roth You may change your contribution rate at any time. Investment Choices for Future Contributions This chart shows how you have chosen to invest future contributions by fund. You may change your investment fund choices at any time. SSgA Russell 2000 SSgA Russell 3000 Brandywine Global Bond Small Cap US Equity AEW Capital Management REIT Future Contributions Before-Tax Roth 2 4% 2 76% 7 Current Asset Class Allocation The plan's investment funds fall into major asset classes. These asset classes range from conservative to aggressive types of investments. The chart to the right shows your asset allocation, or how your money is divided among asset classes. It is important that you periodically review your asset allocation to maintain a well-balanced and diversified portfolio that fits your personal situation. Asset Class Target Date s Index s Actively Mnged s Company Stock Current Allocation on May 23, 204 5% 95%

3 Page 3 Account Activity by For the period April, 204 through May 23, 204. Asset Class Opening Balance Contribution Earnings Loan Rpmt-Intr New Loan Loan Rpmt-Prin Transfers Closing Balance Closing Units Price (NAV) Per Unit Equivalent Shares Stock Price Per Share Stock Cost SSgA Russell 2000 Index s $3, ,07.67, , $ $ Brandywine Gbl Bond Actively Mnged s $ $ $ Small Cap US Equity Actively Mnged s $3, , , $0.00 $ AEW REIT Actively Mnged s $6, , , $8, $ Asset Class Opening Balance Contribution Earnings Loan Rpmt-Intr New Loan Loan Rpmt-Prin Transfers Closing Balance Closing Units Price (NAV) Per Unit Equivalent Shares Stock Price Per Share Stock Cost Total $2, , , $9, See the Fee and Expense Detail table for a breakdown of your expenses.

4 Page 4 Fee and Expense Detail For the period April, 204 through May 23, 204 Description Loan Fee Amount $50.00 Some of the plan's administrative expenses for the period may have been paid by fees from one or more of the plan's investment funds. These expenses are included in the expense ratio (total annual operating expense) provided in the applicable investment fund disclosures. Year-to-Date Contributions Before Tax Contributions Matching Contributions Fixed Contributions $, $ $ Outstanding Loans Loan Type Date of Loan Remaining Principal Amount Scheduled Repayment General Purpose General Purpose $6, $,76.80 $55.30 $4.39 Total $8,43.07 $96.69 For More Information Your Benefits Resources web site available through TotalComp@Citi at is your best source for detailed, personalized information about your account. The site puts everything right at your fingertips whenever you need to check your balance, make a change, or learn how the plan works. Use the site to:

5 Page 5 Request a Rollover Contribution Form. Check your account balance. Change your contribution rate, investment fund choices, or transfer balances. Monitor your investment performance. Learn more about the available funds using fund detail information. Request a withdrawal. Change your beneficiaries. Learn about the plan. You have access to several tools and services that have been designed to help you make important investment decisions. Lipper Detail Pages: Lipper fund detail pages are available for you with the information you ll need to make informed decisions when selecting from your plan s investment options. Lipper, a Thomson Reuters company, is a global leader in supplying mutual fund information, analytical tools, and commentary. Financial Engines Online Advice: This online tool is for the "do-it-myself" type of investor. Based on your input, the planning software will provide a retirement forecast of your current Plan account, as well as investment savings recommendations. You can use interactive tools to see how changes to your risk level, contributions or retirement age could affect your financial outlook. Hewitt Personal Finance Center: The Hewitt Personal Finance Center is a valuable service that provides education and guidance on personal finance matters through phone-based Financial Specialists and Web-based resources such as articles, interactive presentations, videos, and more. Professional Management: This online tool is for the "do-it-for-me" type of investor providing you with a personalized savings and investment strategy recommendation and the ability to have your account professionally and proactively managed for you. If you decide to enroll in the Professional Management program, you will be charged a fee based on your account balance, with the annual fee set at 0.35% of $2.92 per month for each $0,000 in your account. This fee will be automatically deducted from your 40(k) Plan account. Additionally, you can call the Citi Benefits Center toll free at Outside the United States, call Citi Representatives are available between 8 a.m. to 8 p.m., Eastern time, Monday through Friday. Your Benefits Resources is a trademark of Hewitt Associates LLC. Financial EnginesA is a registered trademark of Financial Engines, Inc.

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