American Express Platinum Edge Credit Card Insurance …

1 American Express Platinum Edge Credit CardInsurance Terms and ConditionsCover is eff ective from 21 October 20161. ELIGIBILITY & ACTIVATION OF Insurance BENEFITS 32. SUMMARY OF BENEFITS AND SCOPE OF COVER 43. IMPORTANT INFORMATION ABOUT THIS COVER 64. DEFINITIONS 65. BENEFITS 9 SECTION (A) TRANSPORT ACCIDENT COVER 9 SECTION (B) TRAVEL INCONVENIENCE COVER 10 SECTION (C) MEDICAL EMERGENCY EXPENSES COVER 10 SECTION (D) BAGGAGE, MONEY AND DOCUMENTS COVER 12 SECTION (E) TRAVEL CANCELLATION COVER 14 SECTION (F) PERSONAL LIABILITY COVER 15 SECTION (G) PURCHASE PROTECTION COVER 16 SECTION (H) REFUND PROTECTION COVER 17 SECTION (I) BUYER S ADVANTAGE COVER 176. GENERAL TERMS AND CONDITIONS APPLICABLE TO ALL SECTIONS A F ABOVE. 197. HOW TO MAKE A CLAIM 208. COMPLAINTS AND DISPUTE RESOLUTION 209. PRIVACY 2110. GENERAL Insurance CODE OF PRACTICE 2111. FINANCIAL CLAIMS SCHEME AND COMPENSATION ARRANGEMENTS 22 TERMS AND CONDITIONS American Express Platinum Edge Credit card InsurancesPolicy Number: 09 NACPLTCC Cover is effective from 21 October 2016 These Terms and Conditions were prepared on 5 January 2015 This booklet contains important information about Your American Express Platinum Edge Credit card complimentary Insurance and should be read carefully and stored in a safe place.

2 We recommend that You take a copy with You when You travel. Please familiarise Yourself with its contents. We want to ensure You are clear about what Your American Express Platinum Edge Credit card complimentary Insurance covers You for. So if You are unclear about anything in this document, please call Chubb on 1800 236 023 and Our Insurance team will be happy to assist You with any note that amounts quoted are in Australian ELIGIBILITY & ACTIVATION OF Insurance BENEFITSI mportant: In order to be eligible for the complimentary Insurance benefits, You must first purchase the full fare for a return Trip, or an Eligible Item, on the American Express Platinum Edge Credit card Account. See the table below for details about when You are eligible for cover: ACTIVATION OF TRANSPORT ACCIDENT COVER:Cover is effective when You pay the full fare for a return Trip on the American Express Platinum Edge Credit card Account or with American Express Membership Rewards points.

3 The Trip must commence and end in OF TRAVEL Insurance COVER:Cover is effective when You pay the full fare for a return Trip on the American Express Platinum Edge Credit card Account or with American Express Membership Rewards points. The Trip must commence and end in OF PURCHASE PROTECTION COVER:Cover is effective when You purchase Eligible Items on the American Express Platinum Edge Credit card OF REFUND PROTECTION COVER:Cover is effective when You purchase Eligible Items on the American Express Platinum Edge Credit card Account in OF BUYER S ADVANTAGE COVER:Cover is eff ective when You purchase Eligible Products on the American Express Platinum Edge Credit card : Supplementary card Memberss are not covered for Travel Insurance benefits (see table below). If You are a Supplementary card Members or a Supplementary card Members is travelling with You on a Trip, You should consider whether these benefits provide adequate cover. The Supplementary card Members may need to take out a separate travel Insurance policy.

4 The table below provides details of who is covered under the Insurance benefits: SectionBenefitPrimary card MembersSupplementary card MembersTRANSPORT ACCIDENT COVERAT ransport Accident Cover TRAVEL Insurance COVER BTravel Inconvenience Cover No CoverCMedical Emergency Expenses Cover(For 24- hour medical and travel emergency assistance call Chubb Assistance on +61 29335 3492) No CoverDBaggage, Money and Documents Cover No CoverETravel Cancellation Cover No CoverFPersonal Liability Cover No CoverPURCHASE PROTECTION COVERGP urchase Protection Cover REFUND PROTECTION COVERHR efund Protection Cover BUYER S ADVANTAGE COVERIB uyer s Advantage Cover 34 For medical and travel emergencies, please contact Chubb Assistance on +61 2 9335 YOU REQUIRE EMERGENCY ASSISTANCE ANYWHERE IN THE WORLD CONTACT THE LOCAL TELEPHONE OPERATOR AND REQUEST A REVERSE CHARGE claims and general enquiries about these Terms and Conditions, please contact Chubb:Address:Grosvenor Place, Level 38, 225 George Street, SYDNEY NSW 2000 Postal Address:GPO Box 4907, SYDNEY NSW 2001 Telephone:1800 236 023 Overseas Telephone:+61 2 9335 3492 Facsimile:+61 2 9335 3467 Email: card SUMMARY OF BENEFITS AND SCOPE OF COVERThe table below provides a helpful summary of the benefits provided pursuant to the Master Policy and the terms and conditions which apply.

5 Excesses may apply for some PageTRANSPORT ACCIDENT COVERAT ransport Accident CoverCover for: Loss arising while riding as a passenger on, or transport to/from, a Common Carrier Conveyance Loss arising while in a departure or destination terminal Loss arising from exposure and Insurance COVERBT ravel Inconvenience CoverCover for: delayed flight departure, flight cancellation, denied flight boarding, missed flight connections luggage delay checked on Scheduled Flight, extended luggage delay checked on Scheduled Emergency Expenses CoverCover for: Repatriation/Evacuation, cost of overseas Treatment, emergency dental Treatment and reasonable extra accommodation costs in the event of a Medical : $250 per claimIn an emergency:Contact Chubb Assistance as soon as You have an emergency on +61 2 9335 3492 and provide Your American Express Platinum Edge Credit card Account number and as much information as possible.

6 Please provide a telephone or email address number where You can be will not pay medical costs over $1,500 without prior authorisation by Chubb , Money and Documents CoverCover for: damaged, destroyed, lost, or stolen Personal Baggage or Money and Documents during a : $250 per claim125 etravel Cancellation CoverCover for: non-refundable deposits, pre-paid excursion costs and leisure activities and unused travel and accommodation costs You have paid where You have had to cancel a Trip for certain : $250 per claim14 FPersonal Liability CoverCover for: Your liability for damages for injury to any person or damage or accidental loss to PROTECTION COVERGP urchase Protection CoverCover for: loss, theft or damage to an Eligible Item within 90 days of purchase. Excess: $50 per claim16 REFUND PROTECTION COVERHR efund Protection CoverCover for: the Purchase Price of an unused Eligible Item if You try to return it to the Retailer within 90 days of the purchase and the Retailer will not take it back.

7 Only applies to Eligible Items with a Purchase Price of over $ S ADVANTAGE COVERIB uyer s Advantage CoverCover for: the breakdown or defect of Eligible Products during the Buyer s Advantage is a summary only. Please refer to each benefit section of the document for a complete list of benefit limits and applicable terms and and LimitationsAs with all Insurance policies, there are some very important exclusions and limitations that apply. You should read this document carefully. This policy contains both general and specific exclusions. General exclusions apply to all parts of the Policy and can be found at page 21 under the section titled General Exclusions. Specific exclusions apply only to specific parts of the policy and can be found at the end of each benefit section. We have highlighted a few important exclusions and limitations below: 1. Losses arising from any Pre-existing Medical Conditions are not You must be under eighty (80) years of age and in a good state of health and fit to Losses arising from the death, imminent death, serious accident or acute illness of any Close Relative who is over the age of eighty (80) years are not Items left Unattended in a Public Place are not covered.

8 (a) Public Place means, but is not limited to, shops, buses, planes, trains, taxis, airports, bus depots, hotel foyers, restaurants, cafes, beaches, entertainment venues and any place that is accessible by the public. (b) Unattended means when Your possessions are not under Your observation and within Your reach and/or Your possessions can be taken without You being able to prevent them from being taken. Unattended does not include possessions in Your Personal Baggage which are checked in or stowed in the luggage hold of a Common Carrier Conveyance, however Valuables stored this way are not will terminate at the earlier of the following: cancellation of the American Express Platinum Edge Credit card Account; or termination of the Master cover provided is subject to any endorsements and/or amendments to the Master Policy from time to time. A copy of any updated information is available to You at no cost by visiting the website at document replaces and supersedes any certificates that have been previously issued or details of terms of cover for the Master Policy provided prior to the effective date of these Terms and IMPORTANT INFORMATION ABOUT THIS COVERT hese Terms and Conditions set out important information about Transport Accident Cover, Travel Inconvenience Cover, Medical Emergency Expenses Cover, Baggage, Money and Documents Cover, Travel Cancellation Cover and Personal Liability Terms and Conditions explain the nature of the Insurance arrangement and its relevant benefits and risks.

9 AEAL holds a Master Policy (Chubb reference number 09 NACPLTCC the Master Policy ) with Chubb. Under the Master Policy, You get access to the benefits detailed in these Terms and Conditions (subject to the terms and conditions specified) provided by Chubb as the insurer where You have met the activation and eligibility requirements set out in the Eligibility & Activation of Insurance Benefits above. You are not charged by Chubb for these benefits. Access to this Insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). You are not a contracting insured (ie. You cannot vary or cancel the cover only AEAL can do this) and You do not enter into any agreement with Us. AEAL is not the insurer, does not guarantee or hold this right on trust for You and does not act as Chubb s agent (that is, on behalf of Chubb). Neither AEAL nor any of its related corporations are Authorised Representatives (under the Corporations Act 2001 (Cth)) of Chubb or any of its related companies.

10 AEAL is not authorised to provide any advice, recommendations or opinions about this Insurance on behalf of Chubb. No advice is provided by Chubb on whether this Insurance is appropriate for Your needs, financial situation or objectives. You should read these Terms and Conditions carefully and contact Chubb if assistance is is no obligation to accept any of the benefits of this cover. However, if You wish to make a claim under the cover provided in the Terms and Conditions, You will be bound by the definitions, terms and conditions, exclusions and claims procedures set out in this document. Please keep detailed particulars and proof of any loss including, but not limited to, the sales receipt and Credit card account statement showing any purchases these Terms and ConditionsInformation in this document may be updated where necessary. A copy of any updated information is available to You at no cost by visiting the website at Chubb will issue a new document or a supplementary document to AEAL, to advise of a change to the existing Terms and Conditions or to make any necessary InsuranceThe Insurance cover described in this document is provided for Your benefit under the Master Policy entered into between Chubb and AEAL.