Exchange Rates

1. Only American Express FX International Payments clients with a valid American Express Business Card or Business Credit Card are eligible for this offer. Subject to the Terms and Conditions of the Membership Rewards program you are enrolled in. You will earn 1 Membership Rewards point for every NZD$25 you spend in foreign currency payments for transactions of NZD$5,000 or more up to a maximum transaction of NZD$250,000. A maximum of 10,000 points will be awarded on any one transaction. Points are calculated on local currency equivalent and will be credited to your account 6 to 8 weeks after making an eligible international payment transaction. American Express foreign currency Telegraphic Transfers, Draft payments, Forward Contract drawdowns or Cross Currency payments are eligible transactions and are subject to change. Offer excludes New Zealand Dollar transactions.

2. We will make all reasonable efforts to ensure prompt delivery of your FXIP Order, however please note transfer times may vary. These Transfer Times do not take into account differing weekends, public holidays or working hours of foreign banks in other jurisdictions to which your incoming or outgoing FXIP Order has been transferred. Completed FXIP Orders must be received on a Business Day before 3.00pm New Zealand time. FXIP Orders received outside these times will be treated as having been received on the following Business Day.

3. Once you have registered your Card with American Express Membership Rewards Program and the FX International Payments Membership Rewards Program, you can earn one point for every NZD$25.00 your business payments internationally, up to a maximum of 10,000 points per FX transaction. Same currency money transfers (for example, NZD to NZD) are not eligible.

The information contained in this webpage has been prepared without taking into account your objectives, financial situation or needs. You should read the PDS and consider the appropriateness of International Payments in relation to your individual requirements.

For further information, please refer to the relevant (Telegraphic Transfers and Forward Exchange Contracts) Product Disclosure Statement (PDS).

International Payments are arranged through Centurion Finance Limited. Principle Place of Business in New Zealand 600 Great South Road, Ellerslie, Auckland 1051 .® Registered trademark of American Express Company.

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