Insurance are subject to exclusions, special terms and conditions and medical underwriting requirements (as applicable) which are contained in the policy document. All insurance products are optional and underwritten by Insurers, subject to terms and conditions of each Policy. Citibank N.A. does not underwrite or issue insurance policies. Citibank N.A. is not responsible for rejection of any application and/or claim made to the insurer. Citibank N.A. provides customer support by way of receiving payments from the customer and forwarding them to the insurer, in addition to making such insurance products available to the customers. Policies can be cancelled at any time. If cancelled within 30 days of enrollment, customers will be entitled to a refund of premium collected within that period as per the terms and conditions of the plan, however, transfer charges may still apply. Unless specified, investment and insurance products are not bank deposits or obligations or guaranteed by Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment, investment linked insurance and treasury products are not insured by government or governmental agencies. Investment, investment linked insurance and treasury products are subject to investment risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Investors investing in investments, investment linked insurance and/or treasury products denominated in foreign (non-local) currency should be aware of the risk of exchange rate fluctuations that may cause loss of principal when foreign currency is converted to the investors' home currency. Investment, investment linked insurance and treasury products are not available to U.S. persons. All applications for investments, insurance, investment linked insurance and treasury products are subject to terms and conditions of the individual insurance, investment, investment linked insurance and treasury products. It is the customer's responsibility to seek independent legal and/or tax advice regarding the legal and tax consequences of his/her investment, insurance and investment linked insurance transactions and decisions. If the customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her insurance, investment linked insurance and/or investment is affected by such change and comply with all applicable laws and regulations as and when such becomes applicable. Customer understands that Citibank does not provide legal and/or tax advice and are not responsible for advising him/her on the laws pertaining to his/her insurance, investment, investment linked insurance. In addition to terms and conditions of the aforementioned products, Citibank terms and conditions apply, are subject to change and can be found at www.citibank.ae. Please call our 24-Hour CitiPhone Banking Service on +971 4 3114 000 should you have any queries or complaints.