MasterCard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386 837) arranges for the issue of the Multi-currency Cash Passport™ (“Cash Passport”) and Cash Passport™ Platinum MasterCard®  (“Cash Passport Platinum”)in conjunction with the issuer, Heritage Bank Limited (ABN 32 087 652 024, AFSL 240 984).  You should consider the Product Disclosure Statement for the relevant Cash Passport facility available at www.cashpassport.com.au before deciding to acquire the products.  Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you.