Citibank Malaysia

For centuries, Gold has been recognised as a global currency and an object of beauty. Today, Gold has the potential to help you grow your wealth.

1.	Store of Value: Gold has held its value over the long term very well
2.	Hedge against Inflation: Gold has remained largely stable in terms of retaining its purchasing power. In contrast, the real value of most currencies has generally declined
3.	Investment Diversification: Gold has low correlation with major asset classes
4.	Protection from economic turmoil: Gold has continued to perform well in times of economic turmoil

As a Citibank customer, you get to enjoy 2 innovative gold investments:
•	Citibank Gold Account
•	Citibank Dual Currency Account (Gold)

Both innovations provide you the benefits of a gold investment without the hassles and costs of physical possession. That’s not all. You are also entitled to invest via multiple currencies.

Select 2 reference instruments from the array of currencies (AUD/EUR/USD) or gold, one used as a base and the other as the alternative. Upon maturity, you will receive your principal and interest amount in either your base or alternative reference instrument at the pre-determined conversion price of the investment.

AUD Base and Gold Alternative

Base	Tenure	AUD/Gold Spot Price	AUD/Gold Strike Price	Interest rate	Interest earned
AUD100,000	1 month	1,430	1,420	12% p.a.	AUD986.30

On Fixing Date¹, the following scenarios may happen.

Scenario 1:

Fixing Date

Gold rises to 1,435

Payout

Principal + interest amount will be repaid in AUD

Principal + Interest

AUD100,986.30

Principal + Interest
(If converted immediately to base currency)

Not applicable

Scenario 2:

Fixing Date

Gold declines to 1,405

Payout

Principal + interest amount will be converted at Strike Price and repaid in gold

Principal + Interest

Gold 71.12oz (AUD100,986.30/1,420)

Principal + Interest
(If converted immediately to base currency)

AUD99,923.60 (71.12oz x 1,405)
This is less than the initial amount invested

Rates quoted in the above scenarios are meant for illustrative purposes only and are not indicative of future performance.

¹ In the event that the market price is equal to the Strike Price, the Bank reserves the right to pay your principal plus interest in either the base or alternative reference instrument.

To read the disclaimer, click here.