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For more information By Phone Call the via ConnectOne: 1-800-881-3938. When prompted, enter your user ID and PIN. If you don t have a ConnectOne PIN, follow the prompts to designate a PIN. Once you designate a PIN, you can use ConnectOne immediately, > From outside the United States, Puerto Rico, Canada and Guam: Call HR Shared Services (HRSS) at 1-888-809-8455. > If you are hearing impaired and use a TDD in the United States: Call the Telecommunications Relay Service at 711. Then call ConnectOne as instructed above. > If you are hearing impaired and use a TDD in Puerto Rico: Call 1-866-280-2050 and then call ConnectOne as instructed above. Online Access Your Benefits Resources TM (YBR TM ) through the TotalComp@Citi website at www.totalcomponline.com, available from the Citi intranet and the Internet. From the main page, click on Want to get somewhere fast and then select the Health and Insurance option that appears under Your Benefits Resources. You will then be linked to the Your Benefits Resources home page. Keep in mind that if you are an active employee and visit the TotalComp@Citi website from outside the Citi network, you ll need to use Multi-Factor Authentication (MFA) to view your benefits information. You ll be prompted to enter a one-time password that you ll receive by text message, automated voice call or by using a Remote Access SafeWord/Mobile Pass card. This process ensures that your personal data as an employee has the same level of security that applies to our banking customers. For more information on MFA, please visit the TotalComp@Citi website and click the MFA link on the login page. If you are no longer employed by Citi, you will need to visit the TotalComp@Citi website and access the appropriate link. You will be asked to provide the last 4 digits of your social security number as well as your date of birth and zip code. As a first time user, you will be prompted to create a user ID and password before setting up several security questions. Once completed, the computer will be registered and further attempts to log in will just require the user id and password you have created. For information about these Beneficiary designations for: > Basic Life insurance, Basic AD&D insurance, Citigroup 401(k) Plan, Citibuilder 401(k) Plan for Puerto Rico, and Citigroup Pension Plan ConnectOne main menu, choose the pension, retiree health and welfare, and survivor benefits option. > Group Universal Life (GUL) and Supplemental AD&D insurance MetLife Call MetLife at 1-888-830-7380. TotalComp@Citi at January 1, 2015 For more information 333

For information about these Benefits (health and insurance) COBRA coverage (Consolidated Omnibus Budget Reconciliation Act) ConnectOne main menu choose the health and Dental Plans Cigna Dental HMO 1-800-244-6224 www.mycigna.com (participants only) 1-800-244-6224 (pre-enrollment information) MetLife Preferred Dentist Program (PDP) 1-888-830-7380 TotalComp@Citi at Dependent Day Care Spending Account (DCSA) ConnectOne main menu choose the health and On YBR TM, click Your Spending Account under Other Benefits. Disability To report a disability or apply for a Family Medical Leave MetLife ConnectOne main menu choose the disability option, or; MetLife directly at 1-888-830-7380. TotalComp@Citi at Employee Assistance Program (EAP) Harris, Rothenberg International (HRI), owned by Humana 1-800-952-1245 711 (TDD) then, 800-952-1245 Outside the United States, call collect to 212-422-8847. www.harrisrothenberg.net User ID: resources Password: for_you General information Eligibility, enrollment, general information about health and welfare benefits, qualified changes in status, and continuing coverage after a termination of employment or while on a leave of absence Visit YBR through TotalComp@Citi at 334 For more information January 1, 2015

For information about these Group Universal Life (GUL) MetLife 1-888-830-7380 TotalComp@Citi at Health and insurance coverage verification for: > Child support > Medicaid or other premium assistance > Medicare > Social Security Administration > Etc. Health Care Spending Account (HCSA) ConnectOne main menu choose the health and On YBR TM, click Your Spending Account under Other Benefits. Health Savings Account (HSA) ConnectYourCare 1-888-846-6414 www.connectyourcare.com Insurance > Basic Life > Basic Accidental Death and Dismemberment (AD&D) > Business Travel Accident/Medical Visit YBR through TotalComp@Citi at Limited Purpose Health Care Spending Account (LPSA) On YBR TM, click Your Spending Account under Other Benefits. Live Well at Citi Program Health Advocate, RedBrick Health and medical carriers 1-866-449-9933 Visit www.citibenefitsonline.com then Live Well at Citi 1-855-814-5595 (RedBrick) Visit TotalComp@Citi at www.totalcomponline.com, then click want to get somewhere fast then Live Well at Citi-RedBrick. Long-Term Care (LTC) insurance John Hancock Life Insurance Company (U.S.A.) 1-800-222-6814 Medical (HMOs) Various sources Refer to the list at https://www.handbook.citibenefitsonline.com/ cit-1d1-health-medical-eds-web-ai.html. January 1, 2015 For more information 335

For information about these Medical (non-hmo plans) Aetna (ChoicePlan 500, High Deductible Health Plan) 1-800-545-5862 1-800-628-3323 (TDD) www.aetna.com Anthem BlueCross BlueShield (ChoicePlan 500, High Deductible Health Plan) 1-855-593-8123 www.anthem.com Oxford Health Plan (PPO plans in CT, NJ, and NY tristate area only) 1-800-396-1909 https://www.oxhp.com/member/memberportal/ Prescription drug program (ChoicePlan 500, High Deductible Health Plan, and Oxford PPO) To refill an Express Scripts Home Delivery prescription using the automated system, for instructions on how your physician can fax your prescription to the Express Scripts Pharmacy, and to arrange credit card payment for all your Express Scripts Home Delivery pharmacy service orders Express Scripts 1-800-227-8338 1-800-899-2114 (TDD) https://member.expressscripts.com/preview/citigroup2014 (public site for Citi employees or prospective members) www.express-scripts.com (participants only) For prior authorization 1-800-224-5498 Supplemental AD&D insurance MetLife 1-888-830-7380 TotalComp@Citi at www.totalcomponline.com Transportation Reimbursement Incentive Program (TRIP) On YBR TM, click Transportation Reimbursement Incentive Program (TRIP) under Health and Insurance. Vision Plan For Plan information and laser vision correction providers/arrangements Aetna 1-877-787-5354 Non-Members: www.aetnavisionoe.com/avp1 Members: www.aetnavision.com Workers Compensation Constitution State Services Co. 1-800-243-2490 Work/Life Program Health Advocate 1-866-449-9933, select option #2 www.healthadvocate.com/citiworklife (no password required) 336 For more information January 1, 2015

CITI ON-SITE MEDICAL CLINICS Jacksonville, FL 14000 Citicards Way 904-954-8262 Medical emergency number 904-954-8911 Tampa, FL Citibank Center, Bldg. C 813-604-4333 Medical emergency number 611 Jersey City, NJ 480 Washington Blvd., 8 th Floor 201-763-1111 Medical emergency number 201-763-0263 Warren, NJ 283 King George Road, Bldg. C 908-563-5400 Medical emergency number 908-563-5412 New York City 399 Park Ave., Level A/Zone 11, New York City 212-559-3981 Medical emergency number 212-559-4357 (5-HELP) 111 Wall St., 23 rd Floor, Zone 12, New York City 212-657-7478 Medical emergency number 212-657-4357 (6-HELP) 388 Greenwich St., 5 th Floor, New York City 212-816-1460 Medical emergency number 212-816-1300 One Court Square, 9 th Floor, Zone 7, Long Island City 718-248-2709 Medical emergency number 718-248-4357 (4-HELP) San Antonio, TX 100 Citibank Drive, Bldg. 3 210-357-8275 January 1, 2015 For more information 337

CITI HEALTH AND FITNESS CENTERS Florida 14000 Citicards Way, Bldg. A, Jacksonville 904-954-2630 3800 Citibank Center, Tampa 813-604-4348 Warren, NJ 283 King George Road 908-563-9533 New York City 388 Greenwich St., 5 th Floor, New York City 212-816-0523 One Court Square, 5 th Floor, Long Island City 718-248-9571 Getzville, NY 580 CrossPoint Pkwy. 716-730-7926 Texas 100 Citibank Drive, San Antonio 210-677-6991 6400 Las Colinas Blvd, Irving 972-653-8890 Blue Ash, OH 9997 Carver Road 574-993-1032 Meridian, ID 2200 South Cobalt Way 208-822-2331 Elk Grove Village, IL 50 Northwest Point Blvd 224-222-2509 Florence, KY 4600 Houston Road 859-283-3882 Hagerstown, MD 14700 Citicorp Drive 301-714-5738 Sioux Falls, SD 701 East 60 th St. N 605-331-1922 338 For more information January 1, 2015