• This product employs a financial instrument called a call option as part of its risk-management and product development framework to ensure that policyholders receive returns that align with the movement of the index, based on the index-linked return calculation formula determined by the company as specified in this document. This calculation excludes any impact from exchange-rate fluctuations. 

• The index refers to the Citi Grandmaster RC 5 Index. For more details, please visit: https://investmentstrategies.citi.com/indice/CIMAGD5U/34/2 

• The Citi Grandmaster RC 5 Index provides exposure to developed markets such as the United States, Europe, and Japan, aiming to enhance return potential while maintaining diversification. The index strategically allocates investments across equities, government bonds, corporate debt instruments, and commodities. The asset allocation is dynamically adjusted based on global market conditions to optimize returns while managing risk and volatility. 

• Since the Citi Grandmaster RC 5 Index is denominated in U.S. dollars, the company will convert the index performance into Thai Baht based on the foreign exchange rate at the time of calculation. The exchange rate used is sourced from the Bank of Thailand website: https://www.bot.or.th/th/statistics/exchange-rate.html. The initial value of the reference index is converted using the USD selling rate. The final value of the reference index is converted using the USD buying rate. 

• The company will invest in the reference index within 45 days from the life insurance policy issuance date. The final index valuation will be determined within 45 days before the policy maturity date. 

• If the final valuation date falls on a non-business day as announced by the index provider, the valuation will be postponed to the next available business day or another date based on the terms of the underlying instrument. 

• The returns based on the reference index generated from the Citi Grandmaster RC 5 Index are subject to the following risks: 

1) Market Risk – The index value may fluctuate due to market conditions. 

2) Foreign Exchange Risk – Since the index is denominated in U.S. dollars, it is exposed to currency fluctuations between the Thai Baht and U.S. dollar. 

However, policyholders will still receive all guaranteed benefits, including policy payouts and maturity benefits, without exposure to market risk or foreign exchange risk as these payouts are not affected by index price volatility or currency fluctuations. 

• In the event of the following circumstances occurring during the contract: 

1) If the reference index calculator or the reference index provider Citi Grandmaster RC 5 Index cancels the calculation or preparation of the reference index, changes the details of the reference index (including the method of calculating the index level) in a manner that a­ffects the benefits of the insured, or is unable to publish the index level for more than 15 consecutive business days in a row, or if an event occurs that impacts the related investment securities of the index as specified in the terms and conditions of the relevant investment securities or, 

2) If an event occurs that a­ffects the credibility or the solvency of the counterparty, the reference index provider, or the index calculator Citi Grandmaster RC 5 Index including breach of contract, default, debt restructuring, bankruptcy proceedings or other legal procedures related to bankruptcy laws, control of the entity, unlawful acts causing damage, actions taken by regulatory authorities, or legal actions or lawsuits or, 

3) Any other event involving the counterparty, the reference index provider, or the index calculator Citi Grandmaster RC 5 Index that impacts the benefits of the insured, including force majeure events, legal changes that may affect the insured’s benefits, fraud or fraudulent conduct, or legal proceedings that could impact the insured’s benefits. 

The company reserves the right to select a new index as a replacement when deemed appropriate. The new index will not significantly affect the benefits of the insured or alter the contractual parties, the reference index provider, or the index calculator.       If the company is unable to find a suitable replacement index, or cannot secure a new contractual party, reference

• Citi is a registered trademark and service mark of Citigroup Inc. or its affiliates and is used and registered throughout the world. 

• Citi is a registered trademark and service mark of Citigroup Inc. or its affiliates and is used and registered throughout the world. Global Saving Plus 25/5 with returns based on the reference index (Index-Linked) (the “Financial Product”) is not sponsored, endorsed, sold or promoted by Citigroup, and Citigroup makes no representation regarding the advisability of investing in such Financial Product. Citigroup gives no express or implied warranties, including, but not limited to, any warranties of merchantability or fitness for a particular purpose or use. In no event shall Citigroup be liable for any direct, indirect, special or consequential damages in connection with any use of the Citigroup data and information. 

• None of Citigroup Global Markets Limited or its affiliates (“Citigroup”) acting in the capacity of index administrator (the “Index Administrator”) and/or index calculation agent (the “Index Calculation Agent”) in relation to Citi Grandmaster RC 5 (the “Index”) and any of their respective directors, o­fficers employees, representatives, delegates or agents (each, a “Relevant Person”) makes any express or implied representation or warranty as to (1) the advisability of purchasing the Global Saving Plus 25/5 with returns based on the reference index (Index-Linked) (the “Financial Product”); (2) the level(s) of the Index at any particular time on any particular date; (3) the results to be obtained by any investor in the Financial Product or any other person or entity, from the use of the Index or any data included therein for any purpose; (4) the merchantability or fitness for a particular purpose of the Index; or (5) any other matter. The Financial Product is not sponsored, endorsed, sold or promoted by Citigroup. Each Relevant Person hereby expressly disclaims, to the fullest extent permitted by applicable law, all warranties of accuracy, completeness, merchantability or fitness for a particular purpose with respect to the Index. No Relevant Person shall have any liability (direct or indirect, special, punitive, consequential or otherwise) to any person even if notified of the possibility of damages. Neither the Index Administrator nor the Index Calculation Agent is under any obligation to continue the calculation, publication and dissemination of the Index nor shall they have any liability for any errors, comissions, interruptions or delays relating to the Index. The Index Administrator and the Index Calculation Agent shall each act as principal and not as agent or fiduciary of any other person. 

• During the normal course of its business, any Relevant Person may enter into or promote, o­ffer or sell transactions or investments (structured or otherwise) linked to any Index and/or any of its constituents. In addition, any Relevant Person may have, or may have had, long or short principal positions and/or actively trade, by making markets to its clients, positions in or relating to any Index or any of its constituents, or may invest or engage in transactions with other persons, or on behalf of such persons relating to any of these items. Relevant Persons may also undertake hedging transactions related to the initiation or termination of financial products or transactions, which may adversely aff­ect the market price, rate or other market factor(s) underlying any constituent or any Index. Relevant Persons may have an investment banking or other commercial relationship with and access to information from the issuer(s) of constituents. Such activity may or may not have an impact on the level of any Index, but potential investors and counterparties should be aware that a conflict of interest could arise where anyone is acting in more than one capacity, and such conflict may have an impact (either positive or negative) on the level of any Index. 

• The Index is described in full in the Index Conditions which are available upon request. The Index is proprietary and confidential to the Index Administrator. No person may use the Index in any way or reproduce or disseminate information relating to the Index without the prior written consent of the Index Administrator. The Index is not in any way sponsored, endorsed or promoted by the issuer or sponsor, as applicable, of any of its constituents. 

Yes, the "Global Savings Plus 25/5 with returns based on the reference index (Index-Linked)" product provides principal protection, subject to policy terms and conditions. If the insured survives throughout the policy term, the Company guarantees total survival benefit equal to 525% of sum assured, consisting of the annual cash coupon plus the maturity benefit. Therefore, the total survival benefit is generally higher than the total premiums paid, meaning the insured does not lose the principal and may also receive additional returns based on the reference index (If any).

The returns based on the reference index is based on performance of the Citi Grandmaster RC 5 Index, and therefore involves the following risks:​

1) Market Risk – The index value may fluctuate due to market conditions.​

2) Foreign Exchange Risk – Since the index is denominated in U.S. dollars, it is exposed to currency fluctuations between the Thai Baht and U.S. dollar.
However,policyholders will still receive all guaranteed benefits, including policy payouts and maturity benefits, without exposure to market risk or foreign exchange risk asthese payouts are not affected by index price volatility or currency fluctuations.

• Citi is a leading global financial institution with more than 210 years of experience, with credit ratings of A3 by Moody’s, BBB+ by Standard & Poor’s, and A by Fitch.​

• Citi provides a comprehensive range of financial services to meet the needs of institutional and individual clients.​

• Citi serves leading organizations worldwide and is recognized as a trusted partner in wealth management and private banking, with operations in approximately 180countries and jurisdictions.​

• Citi offers integrated financial solutions to insurance companies, financial institutions, governments, corporations, and private clients through a broad range of financialproducts and services.