Insurance is the subject matter of solicitation.

Disclaimer:
Insurance products are obligations only of the Insurance Company. They are not bank deposits or obligations of or guaranteed by Citibank N.A., Citigroup Inc., or any of its affiliates or subsidiaries or any Governmental agency. All Claims under the policy will be solely decided upon by the Insurance Company. Citibank, Citigroup, or any of their affiliates and group entities hold no warranty and do not make any representation about the insurance, the quality of claims processing and shall not be responsible for claims, recovery of claims, or for processing of or clearing of claims, in any manner whatsoever. Insurance is the subject matter of solicitation. This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Investment products are not available to US persons and may not be available in all jurisdictions.

IRS Circular 230 Disclosure: Citigroup Inc., its affiliates, and its employees are not in the business of providing tax or legal advice to any taxpayer outside of Citigroup Inc., and its affiliates. This E-mail/brochure and any attachments are not intended or written to be used, and cannot be used or relied upon, by any such taxpayer for the purpose of avoiding tax penalties. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

Tax benefits are subject to changes in the tax laws.

Citibank is a licensed Corporate Agent of Birla Sun Life Insurance Company Limited and Royal Sundaram Alliance Insurance Company Limited under the composite license number 1137144.

Life Insurance Policies: The policy is underwritten by Birla Sun Life Insurance Co. Ltd. with its registered office at 6th Floor, Vaman Centre, Makhwana Road, Off Andheri-Kurla Road, Near Marol Naka, Andheri (E), Mumbai - 400 059. All guaranteed benefits are payable only when all premiums are paid when due.

Investment risk in the investment portfolio is borne by the Policy Holder. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the insured is responsible for his or her decision. Birla Sun Life is only the name of the Insurance Company and the funds offered are only the names of the funds and does not in any way indicate the quality of the contract, its future prospects or returns.

Non-life Insurance Policies: The policy is underwritten by Royal Sundaram Alliance Insurance Company Limited with its registered office at No. 21, Patullos Road, Chennai - 600 002.

Suraksha: Credit Shield is underwritten by Tata AIG Life Insurance Company Limited (Reg. No. 110), having its Registered Office at 6th Floor, Peninsula Towers, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel (W), Mumbai - 400 013, and approved by IRDA as Group Credit Card Term Insurance Protection Plan with in-built TPD. Personal Accident Insurance is underwritten by Royal Sundaram Alliance Insurance Company Ltd., Reg. having its Registered Office at No. 21, Patullos Road, Chennai - 600 002.

Personal Loan Credit Shield: This product is underwritten by Tata AIG Life Insurance Company Limited (Reg. No. 110), having its Registered Office at Peninsula Towers, 6 Floor, Peninsula Corporate Park, Ganpatrao Kadam Marg,Lower Parel, Mumbai - 400 013, and approved by IRDA as Group single Premium Personal loan Reducing Term Insurance Protection plan.

Mortgage Credit Shield: The Birla Sunlife Insurance Single Premium Group Term is underwritten by Birla Sun Life Insurance Co. Ltd. with its registered office at 6th Floor, Vaman Centre, Makhwana Road, Off Andheri-Kurla Road, Near Marol Naka, Andheri (E), Mumbai - 400 059.

Credit Shield Plus: This product is underwritten by Tata AIG Life Insurance Company Limited (Reg. No. 110), having its Registered Office at 6th Floor, Peninsula Towers, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel (W), Mumbai - 400 013, and approved by IRDA as Group Credit Card Yearly Renewal Term Insurance Protection Plan with in-built TPD, TTD and CI coverage (Credit Shield Plus).

For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding the sale.

SECTION 41 OF THE INSURANCE ACT 1938 PROHIBITION OF REBATES

1) No person shall allow or offer to allow either directly or indirectly as an inducement to any person to take out or renew or continue an Insurance in respect of any kind of risk relating to lives or property in India any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy nor shall any person taking out or renewing or continuing the Policy accept any rebate except such rebate as may be allowed in accordance with the published prospectus or tables of the Insurer.

2) If any person fails to comply with regulation above he shall be liable to payment of fine, which may extend to five hundred rupees.