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          0RODUCT $ISCLOSURE 3TATEMENT         
4HE DOCUMENT IS PROVIDED TO PURCHASERS OF
!MERICAN %XPRESS 4RAVELLERS #HEQUES IN
!USTRALIA 4HE CONTENTS OF THIS DOCUMENT DO
NOT NECESSARILY APPLY TO THE PURCHASE OF
!MERICAN %XPRESS 4RAVELLERS #HEQUES
OUTSIDE !USTRALIA
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       0RODUCT $ISCLOSURE 3TATEMENT                 
        #ONTENTS


,1752'8&7,21                                           

352'8&76'(6&5,37,21$1'7<3(6                         

%(1(),76                                               
   s   3AFER THAN CASH

   s   %ASY TO USE

   s   #AN BE EASILY REPLACED IF LOST OR STOLEN

   s   !CCEPTED VIRTUALLY WORLDWIDE

   s   !VAILABLE IN A VARIETY OF CURRENCIES AND

       DENOMINATIONS

   s   .O EXPIRY DATE



385&+$6(2)$0(5,&$1(;35(66
75$9(//(56&+(48(6                                     

+2:7286($0(5,&$1(;35(66
75$9(//(56&+(48(6                                     

7,36723527(&7<2856(/)$*$,167
/266257+()7                                          

5(3/$&,1*$0(5,&$1(;35(66
75$9(//(56&+(48(6                                     

)((6$1'&+$5*(6                                       

6,*1,),&$175,6.6                                      

',6387(5(62/87,21                                     

35,9$&<$1'3(5621$/,1)250$7,21                       

7(506$1'&21',7,216                                   
   s   !T TIME OF PURCHASE

   s   !T TIME OF CLAIM FOR REFUND





       0RODUCT $ISCLOSURE 3TATEMENT                
 )NTRODUCTION




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0RODUCT $ISCLOSURE 3TATEMENT                   
                1SPEVDU%FTDSJQUJPO
                BOE5ZQFT


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  #URRENCY        $ENOMINATIONS
                                               $ENOMINATIONS %XPRESS 0AC	
                     ,OOSE	
!USTRALIAN           !5$ 
$OLLAR               !5$           !5$  X         !5$  X        !5$  X 
                    !5$           !5$  X        !5$  X       !5$  X 
                    !5$                             !5$  X 
#ANADIAN $OLLAR      #!$ 
                     #!$              ./ 0!#3 !6!),!",% &/2 4()3 #522%.#9
                     #!$ 

%URO                 %52                             %52  X 
                     %52                            %52  X 
                     %52                            %52  X 

*APANESE 9EN
                    *09  
                    *09           ./ 0!#3 !6!),!",% &/2 4()3 #522%.#9
                    *09  
0OUND 3TERLING       '"0                             '"0  X        '"0  X 
                     '"0           '"0  X         '"0  X        '"0  X 
                     '"0          '"0  X        '"0  X 
                     '"0 
                     '"0 
3OUTH !FRICAN        :!2 
2AND                 :!2            ./ 0!#3 !6!),!",% &/2 4()3 #522%.#9
                     :!2 

3WISS &RANC          #(& 
                     #(& 
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                     #(& 
53 $OLLAR            53$                                              53$  X 
                     53$           53$  X         53$  X        53$  X 
                     53$          53$  X        53$  X       53$  X 
                     53$          53$  X        53$  X 
                    53$ 

 
 .OT AVAILABLE THROUGH !MERICAN %XPRESS &OREIGN %XCHANGE AND 4RAVEL 3ERVICE OFFICES




             0RODUCT $ISCLOSURE 3TATEMENT                                               
     Product Description
     and Types


CHEQUES FOR TWOTM
    American Express also offers Cheques For Two,
    which are perfect for people travelling together.
    This product is designed to allow two travellers
    to share the same Travellers Cheques. Only one
    person needs to be present to cash them. Plus
    they have all the convenience and security of
    the traditional American Express Travellers
    Cheques. Currently, Cheques For Two are only
    available in US Dollars and only available at
    selected locations.

    Cheques For Two should be signed as soon as
    possible after purchase. Each of the two
    travellers should sign on one of the lines in the
    upper left-hand corner. The cheque needs to
    be signed on both upper left lines in order to be
    reimbursable if lost or stolen.




    Product Disclosure Statement                   6
        "ENEFITS


!MERICAN %XPRESS 4RAVELLERS #HEQUES ARE DESIGNED
TO PROVIDE PEACE OF MIND ON TRIPS 4HEY ARE LIKE CASH
ONLY SAFER 4HEY ARE NOT RELIANT ON TECHNOLOGY SUCH AS
FUNCTIONING !4-S !UTOMATIC 4ELLER -ACHINES	 OR
0ERSONAL )DENTIFICATION .UMBERS

6$)(57+$1&$6+
       ,OST OR STOLEN CASH CAN MEAN AN EARLY END TO
       YOUR HOLIDAY OR BUSINESS TRIP "Y FOLLOWING A FEW
       SIMPLE STEPS YOU CAN HAVE YOUR !MERICAN
       %XPRESS 4RAVELLERS #HEQUES REFUNDED IF LOST OR
       STOLEN 
 USUALLY WITHIN  HOURS VIRTUALLY
       ANYWHERE IN THE WORLD 
 WITH JUST A SINGLE
       TELEPHONE CALL

       4HEY ARE THE SAFE WAY TO PROTECT YOURSELF AGAINST
       THE HASSLE AND INCONVENIENCE OF LOSING CASH

($6<7286(
       5SING !MERICAN %XPRESS 4RAVELLERS #HEQUES
       COULD NOT BE MORE CONVENIENT 3IMPLY PURCHASE
       THE #HEQUES AT A PARTICIPATING LOCAL BANK OR
       OTHER FINANCIAL INSTITUTION !MERICAN %XPRESS
       &OREIGN %XCHANGE OFFICE TRAVEL OFFICE OR
       PARTICIPATING !USTRALIA 0OST OFFICE #HEQUES ARE
       AVAILAB LE IN DIFFERENT CURRENCIES AND
       DENOMINATIONS AS LISTED UNDER 0RODUCT
       $ESCRIPTION AND 4YPES ON 0AGE 

       /NCE PURCHASED BE SURE TO IMMEDIATELY SIGN
       YOUR #HEQUES IN THE UPPER LEFT CORNER +EEP A
       RECORD OF THE SERIAL NUMBERS IN A DIFFERENT
       LOCATION FOR PROTECTION AGAINST LOSS THEFT OR
       DAMAGE

       4HEN SIMPLY USE THE 4RAVELLERS #HEQUES AS
       PAYMENT AT STORES RESTAURANTS AND HOTELS OR
       ENCASH THEM AT PARTICIPATING BANKS !MERICAN
       %XPRESS 4RAVEL AND &OREIGN %XCHANGE 3ERVICE
       OFFICES OR PARTICIPATING 0OST /FFICES




       0RODUCT $ISCLOSURE 3TATEMENT                   
     "ENEFITS


&$1%(($6,/<5(3/$&(',)/26725
672/(1868$//<+2856
    )F YOU REQUIRE ASSISTANCE WITH REGARDS TO USING
    OR REPLACING LOST !MERICAN %XPRESS 4RAVELLERS
    #HEQUES YOU WILL HAVE ACCESS TO ONE OF THE
    BEST GLOBAL REFUND NETWORKS AND CUSTOMER SERVICE
    CENTRES IN THE WORLD /UR 4RAVELLERS #HEQUES
    3ERVICE #ENTRE STAFF ARE AVAILABLE TO HELP IN YOUR
    LANGUAGE  HOURS A DAY  DAYS A YEAR

$&&(37('9,578$//<:25/':,'(
    !MERICAN %XPRESS 4RAVELLERS #HEQUES ARE
    WELCOMED AROUND THE WORLD4RAVELLERS #HEQUES
    ARE AVAILABLE IN NUMEROUS CURRENCIES AND
    DENOMINATIONS AND ARE ACCEPTED AT MILLIONS OF
    STORES RESTAURANTS AND HOTELS AS WELL AS BANKS
    FOREIGN EXCHANGE BUREAUX AND !MERICAN
    %XPRESS 4RAVEL AND &OREIGN %XCHANGE 3ERVICE
    LOCATIONS

    4HERE ARE CURRENTLY OVER  LOCATIONS AROUND
    THE WORLD THAT ACCEPT !MERICAN %XPRESS 4RAVELLERS
    #HEQUES WITHOUT CHARGING THE PRESENTER A FEE

    6ISIT OUR WEBSITE FOR A LIST OF GLOBAL FEE FREE
    EXCHANGE PARTNERS
    WWWAMERICANEXPRESSCOMAUTRAVELLERSCHEQUES




    0RODUCT $ISCLOSURE 3TATEMENT                    
             #FOFGJUT

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                                           #(%15% #522%.#9
  !USTRALIA         !USTRALIAN $OLLAR      !USTRALIAN $OLLAR
  "ELGIUM           %URO                   %URO
  #ANADA            #ANADIAN $OLLAR        #ANADIAN $OLLAR
  &RANCE            %URO                   %URO
  'ERMANY           %URO                   %URO
  'REECE            %URO                   %URO
  (ONG +ONG         (+ $OLLAR              53 $OLLAR
  )NDONESIA         2UPIAH                 53 $OLLAR
  )NDIA             2UPEE                  53 $OLLAR
  )TALY             %URO                   %URO
  *APAN             9EN                    *APANESE 9EN
  -ALAYSIA          2INGGIT                53 $OLLAR
  .ETHERLANDS       %URO                   %URO
  .EW :EALAND       .: $OLLAR              !USTRALIAN $OLLAR
  0EOPLE 2EPUBLIC
  OF #HINA          9UEN                   53 $OLLAR
  0HILIPPINES       0ESO                   53 $OLLAR
  3AUDI !RABIA      3AUDI 2IYAL            3AUDI 2IYAL
  3INGAPORE         3INGAPORE $OLLAR       53 $OLLAR
  3OUTH !FRICA      3OUTH !FRICAN 2AND     3OUTH !FRICAN 2AND
  3PAIN             %URO                   %URO
  3WITZERLAND       3WISS &RANC            3WISS &RANC
  4HAILAND          "AHT                   53 $OLLAR
  5+                0OUND 3TERLING         0OUND 3TERLING
  53!               53 $OLLAR              53 $OLLAR
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jWXb[YWdX[ki[ZWiW]k_Z[$



            0RODUCT $ISCLOSURE 3TATEMENT                          
     Benefits


NO EXPIRY DATE
    As they never expire, any unused travellers
    cheques can be kept for your next trip or as a
    secure supply of cash.

    Although Travellers Cheques are valid without
    time limit, residents of countries in which
    exchange control restrictions are in force should
    acquaint themselves with their legal obligations
    in this respect as they may be required to
    surrender unused Travellers Cheques and other
    foreign currency facilities immediately upon their
    return home. If you are not an Australian
    resident, you may need to check with the
    respective authority on foreign exchange in the
    country where you reside.




    Product Disclosure Statement                   10
 0URCHASE OF !MERICAN
 %XPRESS 4RAVELLERS #HEQUES


9OU CAN BUY !MERICAN %XPRESS 4RAVELLERS
#HEQUES AT !MERICAN %XPRESS &OREIGN
%XCHANGE OFFICES !MERICAN %XPRESS 4RAVEL
3ERVICE LOCATIONS PARTICIPATING BANKS CREDIT
UNIONS TRAVEL AGENTS AND MOST !USTRALIA 0OST
OFFICES

'ENERALLY YOU CAN EITHER PURCHASE YOUR
!MERICAN %XPRESS 4RAVELLERS #HEQUES WITH
CASH OR %&40/3 #ARD ISSUER PERIODIC WITHDRAWAL
LIMITS MAY APPLY	 /THER METHODS OF PAYMENT
MAY BE AVAILABLE EG IF YOU PURCHASE THE
4RAVELLERS #HEQUES FROM YOUR FINANCIAL
INSTITUTION YOU CAN USUALLY PAY FOR THE 4RAVELLERS
#HEQUES FROM YOUR ACCOUNT WITH THAT FINANCIAL
INSTITUTION 0LEASE OBTAIN FURTHER INFORMATION
FROM THE PLACE OF PURCHASE

9OU MAY BE REQUIRED TO PRESENT PICTURE
IDENTIFICATION SUCH AS DRIVERS LICENCE OR PASSPORT
AT TIME OF PURCHASE

5PON PURCHASE PLEASE SIGN EACH CHEQUE
IMMEDIATELY IN THE TOP LEFT CORNER




0RODUCT $ISCLOSURE 3TATEMENT                   
 (OW TO USE !MERICAN
 %XPRESS 4RAVELLERS #HEQUES


3IMPLY PRESENT THE 4RAVELLERS #HEQUES TO THE
LOCATION WHERE YOU WISH TO CASH THEM -AKE
SURE THE ACCEPTOR WATCHES WHILE YOU COUNTERSIGN
THE 4RAVELLERS #HEQUES IN THE LOWER LEFT
HAND
CORNER

9OU MAY BE REQUIRED TO PRESENT PICTURE
IDENTIFICATION SUCH AS DRIVERS LICENCE OR PASSPORT

)T IS ADVISABLE TO KEEP TRACK OF THE ENCASHMENT
OF YOUR 4RAVELLERS #HEQUES ON THE PURCHASE
AGREEMENTS FOR FUTURE REFERENCE

)T IS ADVISABLE TO RETAIN ANY RECEIPTS GIVEN AT THE
TIME OF ENCASHMENT UNTIL YOU RETURN TO YOUR
COUNTRY OF RESIDENCE IN CASE OF CURRENCY CONTROL
REGULATIONS IN THE COUNTRY OF ENCASHMENT

9OU CAN ENCASH YOUR 4RAVELLERS #HEQUES FOR
LOCAL CURRENCY FREE OF CHARGE AT OVER  BANK
LOCATIONS FOREIGN EXCHANGE BUREAUX POST
OFFICES AND TRAVEL AGENTS INCLUDING 
!MERICAN %XPRESS 4RAVEL 3ERVICE AND &OREIGN
%XCHANGE OFFICES AROUND THE WORLD .OT ALL
SERVICES ARE AVAILABLE AT ALL LOCATIONS AND ARE
SUBJECT TO LOCAL LAWS AND CASH AVAILABILITY

6ISIT OUR &EE
&REE 0ARTNERS WEBSITE FOR A LIST OF
FEE
FREE EXCHANGE PARTNERS
WWWAMERICANEXPRESSCOMAUTRAVELLERSCHEQUES




0RODUCT $ISCLOSURE 3TATEMENT                    
 4IPS TO 0ROTECT 9OURSELF
 !GAINST ,OSS OR 4HEFT


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   f[efb[jeki[$




0RODUCT $ISCLOSURE 3TATEMENT	                   
  2EPLACING YOUR !MERICAN
  %XPRESS 4RAVELLERS #HEQUES


)F YOUR 4RAVELLERS #HEQUES ARE LOST OR STOLEN
THEY CAN USUALLY BE REPLACED VIRTUALLY ANYWHERE
IN THE WORLD 
 GENERALLY WITHIN  HOURS
!MERICAN %XPRESS 4RAVELLERS #HEQUES 3ERVICE
#ENTRE HANDLE CLAIMS FOR LOST OR STOLEN #HEQUES
 HOURS A DAY  DAYS A WEEK )F YOUR 4RAVELLERS
#HEQUES ARE LOST OR STOLEN PHONE A 3ERVICE
#ENTRE IMMEDIATELY

! LIST OF 3ERVICE #ENTRE TELEPHONE NUMBERS AND
INSTRUCTIONS ARE INCLUDED WITH YOUR 4RAVELLERS
#HEQUES AT TIME OF PURCHASE

!LWAYS KEEP A LIST OF SERIAL NUMBERS OF YOUR
4RAVELLERS #HEQUES SEPARATE TO YOUR 4RAVELLERS
#HEQUES 4HIS WILL ASSIST THE REFUND IF YOUR
4RAVELLERS #HEQUES ARE LOST OR STOLEN

2EPLACEMENTS MUST FIRST BE PRE
AUTHORISED BY
AN !MERICAN %XPRESS 4RAVELLERS #HEQUE 3ERVICE
#ENTRE 3ERVICE #ENTRE PERSONNEL WILL ASSIST
CUSTOMERS IN DETERMINING THE BEST WAY TO OBTAIN
A REPLACEMENTREFUND

!LL REFUNDS ARE SUBJECT TO COMPLIANCE WITH THE
0URCHASE !GREEMENT ON 0AGE  AND 

2EPLACEMENT #HEQUES CAN BE MADE AVAILABLE
AT !MERICAN %XPRESS &OREIGN %XCHANGE
3ERVICES !MERICAN %XPRESS 4RAVEL 3ERVICE
LOCATIONS AND PARTNER LOCATIONS .OT ALL SERVICES
ARE AVAILABLE AT ALL LOCATIONS AND ARE SUBJECT TO
LOCAL LAWS AND CASH AVAILABILITY




0RODUCT $ISCLOSURE 3TATEMENT                   
 &EES


!T THE TIME OF PURCHASE
3ELLERS OF !MERICAN %XPRESS 4RAVELLERS #HEQUES
MAY CHARGE A COMMISSION AND OTHER FEES
INCLUDING '34

4HE COMMISSION PAYABLE BY THE PURCHASER
TO THE SELLER OF THE TRAVELLERS CHEQUES AT THE TIME
OF THE PURCHASE IS DETERMINED BY THE SELLER 4HE
COMMISSION USUALLY RANGES FROM  TO 
INCLUDING '34	 OF THE VALUE OF THE TRAVELLERS
CHEQUES )N SOMES CASES A MINIMUM COMMISSION
CHARGE MAY BE PAYABLE

%XAMPLES OF THESE FEES MAY BE
   052#(!3%               &%%        &%% 
   !-/5.4                 MIN 	   MIN 	
   !5$               !5$        !5$ 
   !5$               !5$        !5$ 
   !5$               !5$        !5$ 
   !5$               !5$        !5$ 



!T THE TIME OF %NCASHMENT
!N ACCEPTOR OF !MERICAN %XPRESS 4RAVELLERS
#HEQUES MAY COLLECT A COMMISSION ANDOR
GOVERNMENT FEES AND TAXES

4HE EXCHANGE RATE APPLICABLE TO THE
ENCASHMENT OF FOREIGN CURRENCY !MERICAN
%XPRESS 4RAVELLERS #HEQUES WILL BE DETERMINED
BY THE ENCASHMENT LOCATION 4HE ENCASHMENT
AGENT MAY ALSO FACTOR A FEE OR CHARGE PART OF
WHICH MAY BE THE COST OF PROVIDING THE SERVICE
TO YOU IN THE COURSE OF SETTING THE EXCHANGE
RATE

9OU SHOULD OBTAIN DETAILS OF POSSIBLE CHARGES
INVOLVED PRIOR TO THE ENCASHMENT OF YOUR
4RAVELLERS #HEQUES

9OU CAN VISIT OUR WEBSITE ADDRESS
WWWAMERICANEXPRESSCOMAUTRAVELLERSCHEQUES
TO FIND THE LIST OF ACCEPTANCE LOCATIONS THAT WILL
NOT CHARGE A PRESENTER A FEE IN THE RESPECTIVE
COUNTRY




0RODUCT $ISCLOSURE 3TATEMENT                            
  3IGNIFICANT 2ISKS


J^[fkhY^Wi[hcWodejX[[b_]_Xb[\ehWh[\kdZ
_\ j^[ FkhY^Wi[ 7]h[[c[dj ^Wi dej X[[d
Yecfb_[Zm_j^$J^[j[hciWdZYedZ_j_edie\j^[
FkhY^Wi[7]h[[c[djWh[i[jekjedFW][(($

:k[ je \eh[_]d [nY^Wd][ \bkYjkWj_edi" iec[
Ykijec[hicWo[nf[h_[dY[W\eh[_]d[nY^Wd][
]W_dehbeiim^[d[dYWi^_d]JhWl[bb[hi9^[gk[i
_dWZ_\\[h[djYkhh[dYojej^Wjki[Z_dj^[Yekdjho
e\ [dYWi^c[dj$ >em[l[h"JhWl[bb[hi 9^[gk[i
kikWbbo[d`eoX[jj[h[nY^Wd][hWj[ij^WdYWi^"
^[dY[ ikY^ beii _i b_a[bo je X[ icWbb[h m^[d
YecfWh[Z m_j^ YWi^$ ?\ oek Wh[ YWhho_d]
JhWl[bb[hi9^[gk[i_dWYkhh[dYoZ_\\[h[djjej^[
[dYWi^c[djbeYWj_ed"WZ_\\[h[djbeYWbYkhh[dYo
Wcekdjj^WdWdj_Y_fWj[ZWjfkhY^Wi[j_c[cWo
eYYkhZk[jeYkhh[dYo\bkYjkWj_edi$

I^ekbZ oek Y^eei[ je Yedl[hj j^[ kdki[Z
\eh[_]dYkhh[dYoJhWl[bb[hi9^[gk[iWjj^[[dZ
e\ j^[ jh_f" j^[ [nY^Wd][ hWj[ _i b_a[bo je X[
Z_\\[h[djjej^WjWjj^[j_c[e\fkhY^Wi["m^_Y^
YekbZh[ikbj_dW\eh[_]d[nY^Wd][]W_dehbeii$

7c[h_YWd;nfh[iiJhWl[bb[hi9^[gk[icWodej
X[WYY[fj[ZWdZh[fbWY[c[dj%h[\kdZi[hl_Y[i
cWodejX[WlW_bWXb[_dY[hjW_dYekdjh_[i"ikY^
WiYekdjh_[im^[h[7kijhWb_Wd"Kd_j[ZDWj_edi
eh KI7iWdYj_ediWffbo$




0RODUCT $ISCLOSURE 3TATEMENT                       
 $ISPUTE 2ESOLUTION


J^[JhWl[bb[hi9^[gk[?iik[hiWh[Yecc_jj[Zje

Ykijec[h iWj_i\WYj_ed Wi fWhj e\ _ji i[hl_Y[

f^_beief^o$ M[ ^Wl[ [ijWXb_i^[Z _dj[h dWb

fheY[Zkh[ijeh[iebl[j^[YecfbW_djih[]WhZ_d]

ekhfheZkYji$7c[h_YWd;nfh[ii?dj[hdWj_edWb

?dY"_iWc[cX[he\Wd7I?97kijhWb_WdI[Ykh_j_[i

WdZ?dl[ijc[dj9ecc_ii_edWffhel[Z[nj[hdWb

Z_ifkj[h[iebkj_edXeZo$


?\ oek ^Wl[ W YecfbW_dj WXekj j^[ i[hl_Y[ e\

fheZkYji fhel_Z[Z je oek" fb[Wi[ jWa[ j^[

\ebbem_d]ij[fi0


Fb[Wi[ Z_h[Yj oekh YecfbW_dji" Wj \_hij _dijWdY["

je j^[ fe_dj e\ fkhY^Wi[ eh ej^[hm_i[" YedjWYj

7c[h_YWd ;nfh[ii JhWl[bb[hi 9^[gk[i I[hl_Y[

9[djh[Xoj[b[f^ed[ed'.&&,..&(($

?\oekhYecfbW_dj_idejiWj_i\WYjeh_boh[iebl[Zm_j^_d

(&Xki_d[iiZWoi"fb[Wi[WZZh[iioekhYecfbW_dj_d

mh_j_d]je0

9kijec[hH[bWj_edi:[fWhjc[dj

JhWl[bb[hi9^[gk[iWdZFh[fW_ZI[hl_Y[i

7c[h_YWd;nfh[ii?dj[hdWj_edWb?dY$

'-+B_l[hfeebIjh[[j"=FE8en'+.(

IoZd[oDIM(&&'

7kijhWb_W$


M[ cWa[ [l[h o [dZ[Wlekh je h[iebl[ j^[

YecfbW_dji _d W fhecfj WdZ \W_h cWdd[h$ ?\

^em[l[hoekYedj_dk[jeh[cW_dZ_iiWj_i\_[Zm_j^

j^[ Z[Y_i_ed WdZ j^[ iWb[i beYWj_ed \eh oekh

JhWl[bb[hi 9^[gk[i fkhY^Wi[ _i 7c[h_YWd

;nfh[ii?dj[hdWj_edWb?dY$eh7c[h_YWd;nfh[ii

M^eb[iWb[9khh[dYoI[hl_Y[iFjoBjZ"oekcWo

i[[a je ^Wl[ oekh YecfbW_dj Yedi_Z[h[Z Xo Wd

_dZ[f[dZ[dj"[nj[hdWbZ_ifkj[h[iebkj_edXeZo #

j^[8Wda_d]WdZ<_dWdY_WbI[hl_Y[iEcXkZicWd

8<IE$7c[h_YWd;nfh[ii?dj[hdWj_edWb?dY_iW

c[cX[h e\ j^_i IY^[c[$Oek cWo YedjWYj j^[

8<IEXoj^[\ebbem_d]c[Wdi0

8ocW_b       8Wda_d]<_dWdY_WbI[hl_Y[i

              EcXkZicWd
              =FE8en)7
              C[bXekhd[L_Y)&&'
              7kijhWb_W
8oj[b        ')&&-.&.&.
8o\Wn        !,')/,')-)*+
8o_dj[hd[j ^jjf0%%mmm$X\ie$eh]$Wk


0RODUCT $ISCLOSURE 3TATEMENT                       
      0RIVACY AND 9OUR 0ERSONAL
      )NFORMATION


$0(5,&$1(;35(66&86720(5
35,9$&<35,1&,3/(6
   EkhYecc_jc[djjeoekhfh_lWYo
   J^[JhWl[bb[hi9^[gk[i?iik[hiWh[fhekZe\j^[_h
   h[fkjWj_ed\eh"WdZYecc_jc[djje"iW\[]kWhZ_d]
   _d\ehcWj_edWXekjj^[_hYkijec[hi$J^[7c[h_YWd
   ;nfh[ii9kijec[hFh_lWYoFh_dY_fb[i^Wl[X[[d
   _dfbWY[\ehcWdoo[WhiWdZfhel_Z[Wc_d_ckc
   ijWdZWhZ" m^_Y^ Wffb_[i j^hek]^ekj 7c[h_YWd
   ;nfh[iimehbZm_Z[$


   ?d7kijhWb_W"m[WZ^[h[jej^[DWj_edWbFh_lWYo
   Fh_dY_fb[iWdZj^[Fh_lWYo7Yj'/..9j^$7Yefo
   e\ ekh Fh_lWYo Feb_Yo IjWj[c[dj _i beYWj[Z ed
   ekhm[Xi_j[Wj^jjf0%%Wc[h_YWd[nfh[ii$Yec$Wk%
   fh_lWYo eh cWo X[ eXjW_d[Z Xo YWbb_d] ki ed
   '.&&,..&(($

   9ebb[Yj_ede\_d\ehcWj_ed
   7c[h_YWd ;nfh[ii b_c_ji j^[ Yebb[Yj_ed e\
   _d\ehcWj_ed WXekj ekh Ykijec[hi je m^Wj m[
   d[[Zjeademje\kb\_bekhb[]WbWdZh[]kbWjeho
   eXb_]Wj_edi" je fhel_Z[ Ykijec[h i[hl_Y[i WdZ
   je e\\[h d[m fheZkYji WdZ i[hl_Y[i je ekh
   Ykijec[hi$ =[d[hWbbo" m[ Yebb[Yj f[hiedWb
   _d\ehcWj_edZ_h[Yjbo\hecoek"ikY^Wim^[doek
   Wffbo \eh eh h[gk[ij W fheZkYj eh i[hl_Y[$
   :[f[dZ_d]edj^[fheZkYj"m[cWoWbieYebb[Yj
   f[hiedWb_d\ehcWj_edj^hek]^j^_hZfWhj_[i$


   Ki[e\_d\ehcWj_ed
   M[ ki[ oekh f[hiedWb _d\ehcWj_ed \eh j^[
   fkhfei[iijWj[ZWXel[$J^_i_dYbkZ[iki_d]j^[
   _d\ehcWj_ed je [ijWXb_i^ WdZ cWdW][ oekh
   WYYekdj"fhel_Z[h[gk[ij[Zi[hl_Y[ijeoekWdZ
   je YWhho ekj jhWdiWYj_edi oek m_i^ je cWa[$
   M^[h[d[Y[iiWhom[m_bbWbieki[oekhf[hiedWb
   _d\ehcWj_edjec[[jekhb[]WbeXb_]Wj_ediWdZje
   Yebb[Yjel[hZk[fWoc[dji$




    0RODUCT $ISCLOSURE 3TATEMENT                   
     0RIVACY AND 9OUR 0ERSONAL
     )NFORMATION


$0(5,&$1(;35(66&86720(5
35,9$&<35,1&,3/(6
    ?d\ehcWj_edgkWb_joWdZi[Ykh_jo
    M[ki[WlW_bWXb[j[Y^debe]oWdZm[bb#Z[\_d[Z
    [cfbeo[[ fhWYj_Y[i je [dikh[ j^Wj Ykijec[h
    f[hiedWb _d\ehcWj_ed _i fheY[ii[Z fhecfjbo"
    WYYkhWj[bo WdZ Yecfb[j[bo$ M[ ki[ i[Ykh_jo
    j[Y^d_gk[ijefhej[YjekhYkijec[hZWjWWdZje
    b_c_jWYY[iijej^WjZWjW$


    M^[dm[cWoZ_iYbei[oekhf[hiedWb_d\ehcWj_ed
    J^[h[ Wh[ b_c_j[Z i_jkWj_edi m^[h[ m[ cWo
    Z_iYbei[f[hiedWb_d\ehcWj_edWXekjoek$J^_i
    _dYbkZ[im^[h[m[^Wl[YedjhWYj[ZWd[nj[hdWb
    eh]Wd_iWj_edjefhel_Z[kim_j^ikffehji[hl_Y[i"
    jej^_hZfWhj_[ijefhel_Z[h[gk[ij[Zi[hl_Y[ije
    oekWdZjeYecfbom_j^ekhb[]WbeXb_]Wj_edi$


    M[m_bbeXjW_doekhWkj^eh_joedekhWffb_YWj_ed
    \ehciWdZ_dekhfheZkYjYedZ_j_edije\WY_b_jWj[
    fhel_Z_d] oekh f[hiedWb _d\ehcWj_ed je j^_hZ
    fWhj_[i$


    OekYWdWYY[iioekhf[hiedWb_d\ehcWj_ed
    M[m_bbjWa[h[WiedWXb[ij[fijecWa[ikh[j^Wj
    j^[ f[hiedWb _d\ehcWj_ed m[ Yebb[Yj" ki[ eh
    Z_iYbei[_iWYYkhWj["Yecfb[j[WdZkf#je#ZWj[$
    ?\oekhf[hiedWbZ[jW_biY^Wd]["ikY^Wioekh
    j[b[f^ed[dkcX[hehWZZh[ii"fb[Wi[YedjWYj
    kiiej^Wjm[YWdYedj_dk[jefhel_Z[oekm_j^
    ekhfheZkYjiWdZi[hl_Y[i$




    0RODUCT $ISCLOSURE 3TATEMENT                  
      0RIVACY AND 9OUR 0ERSONAL
      )NFORMATION


2856(//,1*$*(17
    Ekhi[bb_d]W][dji_d7kijhWb_Wm_bbYebb[Yjf[hiedWb
    _d\ehcWj_ed \hec j^[ fkhY^Wi[h Wj j^[ j_c[ e\
    ehZ[h_d]ehi[bb_d]ekhJhWl[bb[hi9^[gk[i$

    M[[nf[Yjj^Wjekhi[bb_d]W][djim_bbYecfbom_j^
    j^[ 7kijhWb_Wd Fh_lWYo 7Yj '/.. Wj j^Wj j_c[
    _dYbkZ_d] fhel_Z_d] oek m_j^ Z[jW_bi Wi je j^[
    Yebb[Yj_ed" ki[ WdZ i^Wh_d] e\ oekh f[hiedWb
    _d\ehcWj_ed$

$0(5,&$1(;35(66,1$8675$/,$
    :[f[dZ_d]edj^[i[jjb[c[djfheY[iiki[ZXo
    ekhi[bb_d]W][djWdZ%ehWjj^[j_c[e\WYbW_c_d
    7kijhWb_W\ehbeijehijeb[dJhWl[bb[hi9^[gk[i"
    7c[h_YWd;nfh[ii?dj[hdWj_edWb"?dY$78D'+
    &&&,'.(&.eh7c[h_YWd;nfh[iiM^eb[iWb[
    9khh[dYo I[hl_Y[i Fjo BjZ 78D (- &/- )'&
    .-)Qje][j^[hademdWiº7c[h_YWd;nfh[ii_d
    7kijhWb_W»S cWo h[Y[_l[ f[hiedWb _d\ehcWj_ed
    WXekj oek$ ?d j^[ [l[dj j^Wj j^_i eYYkhi" oek
    W]h[[jej^[\ebbem_d]Wkj^eh_jo0

     !UTHORITY TO !MERICAN %XPRESS IN !USTRALIA UNDER
                     THE 0RIVACY !CT
    4O PROVIDE YOU WITH YOUR 4RAVELLERS #HEQUE SERVICE
    !MERICAN %XPRESS IN !USTRALIA NEEDS TO
    s #OLLECT PERSONAL INFORMATION ABOUT YOU AND
    s /BTAIN YOUR AGREEMENT IN RELATION TO HANDLING
      THIS PERSONAL INFORMATION
    )F YOU DO NOT PROVIDE THE INFORMATION REQUESTED OR GIVE YOUR
    AGREEMENT BELOW !MERICAN %XPRESS IN !USTRALIA MAY NOT
    BE ABLE TO PROVIDE YOU WITH THE 4RAVELLERS #HEQUE SERVICE
    4HE !MERICAN %XPRESS 0RIVACY 0OLICY 3TATEMENT SETS OUT
    POLICIES ON MANAGEMENT OF PERSONAL INFORMATION )N
    ACCORDANCE WITH THE 0RIVACY !CT YOU CAN ACCESS PERSONAL
    INFORMATION ABOUT YOU HELD BY !MERICAN %XPRESS IN
    !USTRALIA AND ADVISE IF YOU THINK IT IS INACCURATE
    INCOMPLETE OR OUT
OF
DATE
    4O ARRANGE ACCESS TO PERSONAL INFORMATION ABOUT YOU
    REQUEST A COPY OF THE !MERICAN %XPRESS 0RIVACY 0OLICY
    3TATEMENT OR ENQUIRE GENERALLY ABOUT PRIVACY MATTERS
    WRITE TO n 4HE 0RIVACY /FFICER !MERICAN %XPRESS
    )NTERNATIONAL )NC  ,IVERPOOL 3TREET '0/ "OX 
    3YDNEY .37 



    0RODUCT $ISCLOSURE 3TATEMENT                            
 0RIVACY AND 9OUR 0ERSONAL
 )NFORMATION


)N THIS SECTION hPERSONAL INFORMATIONv MEANS
INFORMATION ABOUT ME INCLUDING ABOUT MY
FINANCIAL CIRCUMSTANCES AND THE USE OF
4RAVELLERS #HEQUE SERVICES


) AGREE THAT SUBJECT TO THE 0RIVACY !CT YOU AND
YOUR AGENTS MAY DO THE FOLLOWING

s	 0ROVIDE PERSONAL INFORMATION TO ANY
   ORGANIZATION WHOSE NAME LOGO OR TRADEMARK
   APPEARS ON MY 4RAVELLERS #HEQUES FOR
   MARKETING PLANNING PRODUCT DEVELOPMENT
   AND RESEARCH PURPOSES AND SEEK FROM AND
   EXCHANGE WITH SUCH ORGANIZATIONS PERSONAL
   INFORMATION ABOUT ME

s	 4RANSFER PERSONAL INFORMATION CONFIDENTIALLY
   TO YOUR RELATED COMPANIES AND OTHER
   ORGANIZATIONS WHICH ISSUE OR SERVICE
   !MERICAN %XPRESS 4RAVELLERS #HEQUES
   SUBJECT TO APPROPRIATE CONDITIONS OF
   CONFIDENTIALITY 4HIS INCLUDES TRANSFERRING
   PERSONAL INFORMATION TO THE 5NITED 3TATES OR
   OTHER COUNTRIES FOR DATA PROCESSING AND
   SERVICING

s	 )F ) REQUEST YOU TO REPLACE OR REFUND MY
   !MERICAN %XPRESS 4RAVELLERS #HEQUES FOR
   ANY REASON ) AGREE THAT YOU MAY COLLECT
   DETAILS FROM ME ABOUT THE CIRCUMSTANCES
   RELATING TO MY REQUEST AND INVESTIGATE AND
   VERIFY SUCH CIRCUMSTANCES WITH ANY THIRD PARTY

s	 -ONITOR AND RECORD MY TELEPHONE
   CONVERSATIONS WITH YOU FROM TIME TO TIME IN
   ORDER TO TRAIN YOUR STAFF AND CONTROL YOUR
   SERVICE QUALITY




0RODUCT $ISCLOSURE 3TATEMENT	                  
         4ERMS  #ONDITIONS


$77,0(2)385&+$6(
/N PURCHASE OF !MERICAN %XPRESS 4RAVELLERS #HEQUES
THE PURCHASER WILL BE PROVIDED WITH A COPY OF THE 3ALES
2ECEIPT WHICH INCORPORATES THE FOLLOWING PURCHASE
AGREEMENT


            052#(!3% !'2%%-%.4
)-0/24!.4 2EAD THIS AGREEMENT CAREFULLY "Y EITHER
BUYING SIGNING ACCEPTING OR USING THESE !MERICAN
%XPRESS 4RAVELLERS #HEQUES #HEQUES	 YOU AGREE TO
EVERYTHING WRITTEN HERE
2%&5.$ !MERICAN %XPRESS 4RAVEL 2ELATED 3ERVICES
#OMPANY )NC h!MEXCOv	 WILL REPLACE OR REFUND THE
AMOUNT SHOWN ON ANY LOST OR STOLEN #HEQUES ONLY IF
YOU MEET ALL OF THE REQUIREMENTS BELOW


"%&/2% ,/33
s 9OU HAVE SIGNED THE 4RAVELLERS #HEQUES IN THE UPPER
  LEFT CORNER IN PERMANENT INK
s	 9OU HAVE NOT SIGNED THE #HEQUES IN THE LOWER LEFT
   CORNER
s	 9OU HAVE NOT GIVEN THE #HEQUE TO ANOTHER PERSON OR
   COMPANY TO HOLD OR KEEP OR AS PART OF A CONFIDENCE
   GAME
s	 9OU HAVE NOT USED THE #HEQUES IN VIOLATION OF ANY
   LAW INCLUDING AS PART OF AN ILLEGAL BET GAME OF CHANCE
   OR OTHER PROHIBITED ACTION
s	 9OUR #HEQUES HAVE NOT BEEN TAKEN BY COURT ORDER OR
   BY GOVERNMENT ACTION
s	 9OU HAVE SAFEGUARDED THE #HEQUES AS A PRUDENT
   PERSON WOULD SAFEGUARD A LIKE AMOUNT OF CASH




                           3TATEMENT	
        0RODUCT $ISCLOSURE 3TATEMENT                   
                                                       
         4ERMS  #ONDITIONS



!&4%2 ,/33
s 9OU IMMEDIATELY NOTIFY !MEXCO OF THE LOSS OF THE
#HEQUES
s 9OU REPORT ALL FACTS OF THE LOSS OR THEFT TO !MEXCO AND
ALSO TO THE 0OLICE IF !MEXCO ASKS YOU TO
s 9OU INFORM !MEXCO OF THE SERIAL NUMBERS OF THE LOST
OR STOLEN #HEQUES AND THE PLACE AND DATE OF ITS
PURCHASE
s 9OU COMPLETE !MEXCOS REFUND FORMS AND PROVIDE
!MEXCO WITH ACCEPTABLE PROOF OF YOUR IDENTITY
s 9OU GIVE !MEXCO ALL REASONABLE INFORMATION AND HELP
REQUESTED TO MAKE A COMPLETE INVESTIGATION OF THE LOSS
OR THEFT !MEXCO RESERVES THE RIGHT TO INVESTIGATE THE
LOSS OF THEFT AND SHALL NOT BE RESPONSIBLE FOR ANY DELAYS
RESULTING FROM SUCH INVESTIGATION
./ 34/0 0!9-%.4
s !MEXCO CANNOT STOP PAYMENT ON ANY #HEQUE
3IGN YOUR #HEQUES IMMEDIATELY IN THE TOP LEFT CORNER
!MERICAN %XPRESS 4RAVEL 2ELATED 3ERVICES #OMPANY
)NC IS THE DESIGNATED SERVICING AGENT OF THE 4RAVELLERS
#HEQUE )SSUERS




        0RODUCT $ISCLOSURE 3TATEMENT                  
                                                      
         Terms & Conditions


AT TIME OF CLAIM FOR REFUND FOR
LOST OR STOLEN TRAVELLERS CHEQUES

The Claim for Refund for Lost or Stolen Travellers
Cheques form incorporates the following Statement and
Agreement which the purchaser will be required to
agree to when making a claim for lost or stolen Travellers
Cheques.


       STATEMENT AND AGREEMENT
By signing below, I acknowledge receipt from American
Express Travel Related Services, Inc. (“American
Express”) as Issuer of the Travellers Cheques listed
above (“the Cheques”) and / or refund agent for the
Issuer(s) of the Cheques , of the replacement Travellers
Cheques and / or cash listed below as payment in full
on my refund claim for those Cheques, and I agree
that this payment fully discharges the Issuer(s) and the
Issuer(s)’ refund agent from any and all payment
obligations to me arising from my refund claim for these
Cheques or otherwise relating to these Cheques.
I further represent and agree as follows:
• I read and agree to the terms of the Issuer(s)
  Purchase Agreement(s) at the time I purchased these
  Cheques.
• These Cheques are now lost or stolen, and I will assist
  American Express fully in its investigation of the loss
  or theft.
• I did not receive any value for these Cheques.
• I did not negotiate or transfer the Cheques to any
  person and I did not part with them voluntarily.
• I did not part with these Cheques in connection with
  a game of chance, wager, confidence game or illegal
  transaction.
• These Cheques were not seized or confiscated by
  government action.
• Unless otherwise indicated above, I DID sign these
  Cheques in the upper left corner, but I DID NOT
  countersign these Cheques in the lower left corner
  prior to the loss or theft.
• Any signature appearing in the lower left corner is a
  forgery.

       Product Disclosure Statement                   24
                                                      24
        Terms & Conditions




•	 In consideration of the payment of this refund, I agree
   to reimburse the Issuer(s) for its payment to any
   presenter of the face vallue of any Cheque I reported
   lost or stolen when I failed to sign the Cheque in the
   upper left corner prior to the loss or theft.
•	 In addition, I agree to reimburse to the Issuer(s) for
   any loss, liability or expense which it has or will incur,
   as a result of the loss or negotiation of the Cheque
   or of this refund payment to me.
•	 I understand that the Issuer(s) cannot stop payment
   on the Cheque, which I reported stolen and owes no
   obligation to refuse to pay any Cheque presented for
   payment.
•	 If I recover any Cheque reported lost or stolen, I agree
   to return the Cheque to the Issuer, as appropriate.




       Product Disclosure Statement                     25
                                                        25
Product Disclosure Statement   26
!MERICAN %XPRESS 4RAVEL 2ELATED 3ERVICES #OMPANY )NC
      3WISS "ANKERS 4RAVELLERS #HEQUE #OMPANY
          4RAVELLERS #HEQUES !SSOCIATES ,TD
3OUTHERN !FRICA 4RAVELLERS #HEQUES #OMPANY 0TY ,IMITED
          3AUDI 4RAVELLERS #HEQUE #OMPANY

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