The primary cause of ammonium chloride corrosion is the formation of salts:

API RP 571 under Ammonium Chloride Corrosion details:

“The corrosion results from the deposition of ammonium chloride salts from high-temperature process streams as they cool.”

“This typically occurs in crude unit overheads or other systems where salts condense out as the stream temperature drops below their dew point.”

“Corrosion becomes especially aggressive when the salts are wetted by condensation.”

(Reference: API RP 571, Section 4.3.3.1 – Ammonium Chloride Corrosion)

Therefore, option A is technically accurate and supported.