¹ For further information, please refer to the relevant disclosure document (American Express® Financial Services Guide / Product Disclosure Statement (PDS)). The information contained in this document 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. International Payments are arranged through American Express International, Inc. (ABN 15 000 618 208, AFSL No. 237996). Incorporated with limited liability in Delaware, USA. ® Registered trademark of American Express Company. Telegraphic Transfers are undertaken at the sender's risk and American Express, and/or their subsidiary companies and/or their agents accept no liability for any delay, mistake, or omission which may happen in its transition, or misinterpretation when received, or from failure to identify the payee. American Express use connecting banks around the world to forward and process payments. The majority of overseas banks levy other processing charges which vary between banks/countries. If these charges are deducted from the transmitted funds, this will result in the beneficiary receiving a lesser amount than transmitted.