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.

Participation by the bank's customers in an insurance product is purely on a voluntary basis.

*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 email 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. Tax benefits are subject to changes in the tax laws. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

Citibank is a licensed Corporate Agent of Birla Sun Life Insurance Company Limited and Royal Sundarm Alliance Insurance Company Limited under the composite license number 1137144. Life Insurance policies are underwritten by Birla Sun Life Insurance Co Ltd. with its registered office at One Indiabulls Centre, Tower 1, 15th &16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013, Reg. No. 109.

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

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 Insurance, Policy Name and Investment Funds are only the names of the Company, Policy, and Investment Funds offered respectively and do not in any way indicate the quality of the Policy, Investment Funds or their future prospects or returns.

Market Risk

Investment Risk in the investment portfolio shall be solely borne by the policyholder. 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 shall be responsible for his or her decision.

The underlying Fund's unit Price will be affected by interest rates and the performance of the underlying stocks. The funds unit price may go up or down reflecting the market value of the underlying assets.

Birla Sunlife Insurance(BSLI), Policy Name and Investment Funds are only the names of the Company, Policy, and Investment Funds offered respectively and do not in any way indicate the quality of the Policy , Investment Funds or their future prospects and returns.

Credit Risk

The insurance policy is subject to the risk that BSLI may be unable to pay any amount due under the policy. In such cases, the entire insured amount and any other amounts due under the policy may come under risk of complete or partial loss. Additionally, any shortfall between the fund's unit price at Fund maturity and the Guaranteed Unit Price, as applicable, shall be solely met by BSLI . Investors are therefore exposed to the credit risk of BSLI.

Early Redemption Risk

Repayment of investment proceeds at the Guaranteed unit price is subject to the investors staying invested till policy maturity. Redemption of units prior to Fund maturity will be determined by the prevailing Unit Price of the Fund. Consequently, investors exiting prior to the policy maturity date may receive an amount less the Guaranteed Unit Price and the initial investment.

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.

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