Partnership begins with trust. Wealth begins with a conversation.

Citigold Wealth Management, it all begins with a conversation. In managing wealth, the first step is the most important. Citigold will be your partner during your wealth journey with a dedicated Relationship Manager and a team of Investment Consultants, ready to listen to and understand your financial goals, in order to help you manage your portfolio. As a Citigold client, you will enjoy superior financial services along with unparalleled privileges and offers exclusively selected for discerning individuals such as yourself.

Success begins with a commitment. Wealth begins with a conversation.

Grow Your Wealth You have always been driven to succeed on your own merit. Citigold will help you to grow your wealth over time, with a dedicated Relationship Manager and a team of Investment Consultants, ready to listen to and understand your financial goals, in order to help you manage your portfolio.

Your total wealth solution with Citi’s open-architecture investment platform With over 80 mutual funds across 7 fund houses, you will always have instant access to one of the most diversified offerings of investment opportunities available. Our fund house partners include: • Aberdeen Asset Management Co., Ltd. • Krungsri Asset Management Co., Ltd. • ING Funds (Thailand) Co., Ltd. • Krung Thai Asset Management Public Co., Ltd. • MFC Asset Management PLC. • Manulife Asset Management (Thailand) Co., Ltd. • Kasikorn Asset Management Co., Ltd.

Multiple currency accounts Hold assets and manage transactions in a variety of currency accounts. We offer this service for all of the following currencies: USD, EUR, GBP, JPY, SGD, HKD, CHF, and AUD.

Bringing you expert views Understanding financial markets is an important part of managing your wealth. Citibank can help you keep up-to-date with our periodic market analysis. Our expertise spans continents and sectors, and sharing it can help your portfolio growth potential.

Global investments opportunity

Comprehensive evaluation of your financials

A Citibank relationship gives you complete access to global wealth management solutions and opportunities. Your dedicated multilingual financial professional team will personally work with you to help devise a plan to manage your wealth.

In the hands of your relationship team, Citibank’s portfolio tool – Portfolio Tracker - can provide you and your relationship team with a clear and objective assessment of the state of your portfolio.

Regular monthly savings At Citibank, we believe in providing financial solutions that are innovative and relevant to you. This is why we advocate the portfolio approach to Regular Savings Plan so that your investment is tailored to your individual profile.

Disclaimer: Deposits are under Deposit Protection Agency Act B.E. 2551. Terms and Conditions according to Interest Rate Notification. Investment contains certain risk, please study prospectus before investing. Not an obligation of, or guaranteed by, Citibank. Not bank deposits. Subject to investment risks, including possible loss of the principal amount invested. Subject to price fluctuation. Past performance does not guarantee future performance. Not offered to US persons.

A Citibank customer anywhere, is a Citibank customer everywhere.

Global Reach Your world is constantly expanding. You deserve a bank that can keep up. Our comprehensive services are available to you all over the globe, whether you are simply travelling around the world, investing in foreign markets or moving to another country.

Citigold global status recognition

Management of multiple accounts globally

As a Citigold client, you will enjoy the benefits and privileges of Citigold status anywhere. We offer you the same priority banking status and recognition you enjoy at home.

Enjoy a full overview of all your account balances with Citibank from any participating country on a single page simply and securely, with Citibank Global View of Accounts.

Zero ATM fees abroad

Citibank Online: Thailand’s Best Internet Bank 2003-2012

With over 20,000 ATMs and 4,000 branches in 42 countries, you can be rest assured that there’s a Citibank near you. Enjoy free cash withdrawals from Citibank ATMs worldwide.

With Citibank Online, you can perform all your banking needs online 24 hours a day, 7 days a week. You can have complete control of your finances, at the comfort of your own home or office.

Free and Instant Global Funds Transfer If you travel frequently, reside in multiple cities or need to send money to loved ones or business partners overseas, you can do it easily through Citibank Global Transfer.

Disclaimer: Global Banking service subjected to terms and conditions, for the full list of participating countries, please visit www.citibank.co.th or contact your relationship manager or your branch.

Citigold Wealth Management Centre

Complimentary access to a Citigold Client Lounge at over 100 Global Access Branches Citibank Bangkok Branch: Interchange 21 Building, Asoke – Lobby Floor Citibank Silom Branch: United Tower Building, Silom – 1st Floor Citibank CentralWorld Branch: CentralWorld Plaza, Rajdamri – 4th Floor

Gold Status As a Citigold client, you will enjoy superior financial services along with unparalleled privileges and offers exclusively selected for discerning individuals such as yourself.

Access to our global resources and insights at our seminars As a global financial leader, Citibank has a team of experts and professionals with deep knowledge on financial issues, providing information on latest news, investment tools and market views. This information is shared regularly with our customers via our investment seminars and market outlook events.

Unmatched Banking Convenience   • Free ATM withdrawal at all ATMs from any bank in Thailand • Free local fund transfers via Citibank online to all banks in Thailand • Free SMS notification service with CitiAlert. Stay up to date with all your financial matters. • Access to 24 hours CitiPhone Banking Services at 0-2232-2400 • Access your account online at www.citigold.citibank.co.th

Exclusive Citibank Home Loan privileges for Citigold clients.(1) • Preferential interest rate • Free mortgage registration fee (1%)(2) • Enjoy the exclusive Citibank Home Loan Fast Track service(3)

Disclaimer: (1) Citibank reserves the right to offer Citibank Home Loan to Thai nationals only. Maximum loan tenor stands at 30 years for houses, town houses, and town homes, and 25 years for condominiums (studio units are not accepted as collateral). Full Citibank Home Loan terms and conditions apply and are subject to change, please consult your Relationship Manager for further information. (2) Waived mortgage registration fees only for booked loan amounts from THB 3.5 million and upwards. (3) Citibank Home Loan Fast Track service only available to Citigold clients with a total minimum balance of THB 2 million for a minimum of 6 months. Citibank reserves the right to accept collaterals which are consistent with policies of this service only. For full terms and conditions of this service, please contact your Relationship Manager.

Preferred Partner Program

Citibank Royal Orchid Plus Preferred

Exclusive privileges for Citigold clients with total relationship balance from 10 million baht and up. Preferred Wealth Management Privileges • Dedicated Relationship Manager and Investment Consultant. • Comprehensive Portfolio Review of your investment portfolio on a semi-annual basis. • Exclusive family and inheritance wealth planning program. • Private luncheon at Citi Economic Outlook Seminar.

Preferred Way to Earn Miles • 1 mile for every 20 Baht spending. • Earn 20,000 Anniversary rewards points, with spending.(1) • Receive x2.5 rewards points upon every 10,000 Baht overseas spending via Citibank credit card when purchasing an air ticket or tour packages via Citibank Travel Service.

Preferred Travel Privileges • Limousine service from your home to airport 2 times a year. • Meet & Assist service at Suvarnabhumi airport 2 times a year. • Complimentary Royal Silk Lounge access at Suvarnabhumi airport 2 times a year. • Travel accident insurance covers up to 25 million Baht.(2) • Emergency medical insurance with coverage up to 3,500,000 Baht(3) from ACE Insurance.

Preferred Fast Track to Royal Orchid Plus Gold Status Enjoy a Fast Track to upgrade to earn Royal Orchid Plus Gold Status by simply: • Spending 1 million Baht through Citibank Royal Orchid Plus Preferred card within 1 membership year + accruing 22,000 flying miles with THAI within the same period. OR • Spending 1 million Baht through Citibank Royal Orchid Plus Preferred card within 1 membership year + flying 15 International sectors with THAI.

Preferred Lifestyle Privileges • Get 8% cash rebates upon every 800 Baht spent at participating Shell gas stations.

Disclaimer: • Earn 1 Citibank Rewards Point for every 20 Baht for domestic or overseas spends through the card, excludes Cash Advance on Phone/Online, direct debit for water/electricity payment, other fees e.g. Cash Advance fee, Collection fee or interest. (1) Earn 20,000 Anniversary Rewards points, with spending of 1 million baht within 1 membership year or renewal of membership in the next year. (2) The precise coverage afforded is subject to terms & conditions and exclusions of the insurance policy of Jardine Lloyd Thompson Co., Ltd. For more details, please call 0-2626-2505-6. (3) The precise coverage afforded is subject to terms & conditions and exclusions of the insurance policy of ACE Travel Insurance. For more details, please call 0-2611-4242

Elite Partner Program

Citibank Ultima

Elite privileges for Citigold clients with total relationship balance from 50 million baht and up. Elite Wealth Management Privileges • Dedicated Relationship Manager and Investment Consultant. • Comprehensive Portfolio Review of your investment portfolio on a quarterly basis. • Exclusive family and inheritance wealth planning program. • Private luncheon at Citi Economic Outlook Seminar.

Invitation to Elite Partner member only events. • Citi Wealth Internship Program exclusive for children of Elite Program members. • Exclusive invitations to Elite dining events with regionally renowned Citi analysts and economists. • Embark on a gastronomic journey with Citi's World Gourmet Event.

Elite Partner Rewards • x3 Reward Points for every 25 Baht spent. • Earn 100,000 extra Reward Points, with spending.(1) • Receive x5 Rewards Points upon every 10,000 Baht overseas spending via Citibank credit card when purchasing an air ticket or tour packages via Citibank Travel Service. Elite Partner Travel Privileges.

Elite Partner Travel Privileges • Complimentary flight upgrade in Asia once a year for up to 2 tickets. • Limousine service from your residence to airport when purchasing international air tickets through Citibank Travel Service. • Meet & Assist service at Suvanarbhumi airport 4 times a year. • Unlimited Thai Airways Royal Silk Lounge access at Suvarnabhumi airport. • VIP airport lounge access in more than 600 cities worldwide through Priority Pass. • Travel accident insurance with coverage up to 35 Million Baht.(2) • Emergency medical insurance with coverage up to 3,500,000 Baht(3) from ACE Insurance.

Elite Partner Lifestyle Privileges* • 8% cash rebate upon every 800 Baht spending at participating Shell gas stations. • Complimentary “Hotel Dining Membership” with up to 50% discount privileges at Four Seasons Hotel Bangkok, Grand Hyatt Erawan Bangkok, and St. Regis Bangkok. • Unlimited health club access at Siam Kempinski Hotel Bangkok and Grande Centre Point Sukhumvit-Terminal21. • Complimentary Annual Health Check-up package at Bangkok Hospital (Soi Soonvijai). • Complimentary green fee at renowned golf courses. • Seat upgrade and priority booking prior to public sale at Thai Ticket Major. Disclaimer: • This exclusive invitation is for Citigold clients with total relationship balance over 50 million Baht. Terms and Conditions of Ultima Privileges are applied, please check for more details. (1) Earn 100,000 extra rewards points, with spending of 5 million baht or more within1 membership year or renewal of membership in the next year. (2) The precise coverage afforded is subject to terms & conditions and exclusions of the insurance policy of Jardine Lloyd Thompson Co.,Ltd. For more details, please call 0-2626-2505-6. (3) The precise coverage afforded is subject to terms & conditions and exclusions of the insurance policy of ACE Travel Insurance. For more details, please call 0-2611-4242

Disclaimer Preferred Partner Program Annual Fee Waive • Citibank Credit Card Annual Fee Waive: Exclusive for Citigold clients with total relationship balance above 10 Million Baht. • In case clients have multiple Citibank Credit Cards, Citigold will waive annual fee only 1 card follow by Citibank Royal Orchid Plus Preferred, Citibank Select, Citibank Royal Orchid Plus Platinum Select, Citi M Visa Platinum Select.

Elite Partner Program • This exclusive invitation is for Citigold clients with total relationship balance over 50 million Baht. Terms and Conditions of Ultima Privileges are applied, please contact your relationship manager for more details. • Citibank Ultima annual fee is 31,030 (VAT included).

Shell Cash Rebate • Limits cash rebate up to 384 Baht/month/primary Citigold client/all cards (primary card and supplementary card combined). • Cash rebate is on every 800 Baht spending/sale slip via Citibank credit card at participated Shell Gas Station nationwide. • Limits maximum spending to get cash rebate 1,600 Baht/sale slip. • For customer with multiple credit cards, Citibank will uploaded cash rebates into the credit card account with the highest spending at participated Shell Gas Station in each month. • Citigold client will receive cash rebate without sending SMS registration. • Cash rebate or Rewards Points will be credited to your account within 60 days after spending month. • Citibank reserves the right to offer these privileges to only those Citibank credit card members who reside in Thailand and those who their cards are still valid and have good payment records. • Cash rebate or Rewards Points restricted for client with active Citigold status (maintain total relationship balance above 2 Million Baht).

Free ACE Travel Insurance: • Exclusive for Citigold clients with total relationship balance above 10 Million Baht. • The number of joint account shall not be taken into account. This privilege is non-transferable. • Please submit a copy of your passport or an identification card along with the insurance confirmation form to receive travel insurance coverage. • The coverage period shall be 12 months from the policy issuance date. • Terms and conditions of the insurance policy shall be applied, please check prior to use. • For more information on ACE Travel Insurance, please contact 0-2611-4242

Annual Health Check-up Package • Health Check-up: Exclusive for Citigold clients with total relationship balance above 50 Million Baht. This privilege is non-transferable. • Please make reservation with Citigold relationship manager at least 3 days in advance. • Please present the confirmation letter (issued by Citigold) with Citigold card at hospital to use the service. • This service is applicable from Mar 1 - Dec 31, 2013. • Health check-up package is under terms and conditions of the service provider, please check prior to use.