A Dual Currency Account is unlike a conventional bank account as it is an investment and returns may vary.

A Dual Currency Account is a structured investment product with exposure to one or more foreign currencies or such other underlying reference instrument. It is subject to a number of risks, including fl uctuations to the currency rate or the value of the underlying reference instrument, which may provide both opportunities and risks. These movements are dependent on the market, not the bank. Foreign exchange controls may apply to foreign currencies.

You should note that a Dual Currency Account is an investment product that should be held to Maturity. Early withdrawal of part of a Dual Currency Account is not permitted. Early withdrawal of the whole of the Dual Currency Account is strongly discouraged as such withdrawal will result in you losing part of the principal sum invested. You also risk earning no returns at all if there is an early withdrawal. There may also be early termination costs and these will be deducted from monies, if any, due to you.

Citibank Berhad is acting as principal in buying and selling the gold in your Gold Account. Investments in gold are subject to price fluctuations which may provide both opportunities and risks. There is no yield or interest generated and a loss may be incurred due to fluctuations in its price. Physical delivery of gold, or physical deposit or withdrawal and wire transfer of gold to and from a Gold Account are not permitted.

Prior to entering into a transaction you should consult with your own legal, regulatory, tax, financial and accounting advisors to the extent you consider it necessary, and make your own investment, hedging and trading decisions (including decisions regarding the suitability of this transaction) based upon your own judgment and advice from those advisers you consider necessary. In the event that you choose not to seek advice from a fi nancial adviser, you
should carefully consider whether this product is suitable for you in light of your investment objectives, financial means and risk profile.

This document is not an offer to sell nor is it a solicitation of an offer to enter into a transaction and all expressions of opinion are subject to change without notice. The terms set forth herein are intended for discussion purposes only and are subject to the fi nal expression of the terms of the transaction in the applicable agreements.

Although some of the information provided may have been obtained from various published and unpublished sources believed to be reliable, neither Citibank Berhad nor any of its affi liates makes any representation as to its accuracy or completeness or accepts liability for any direct, indirect, or consequential losses arising from its use.

Investment products (including Dual Currency Account and Gold Account) are not available to U.S. persons and may not be available in all jurisdictions.

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