Our Financial Services Guide.

This Financial Services Guide (FSG) is an important document. It is designed to help you decide whether to use the financial services made available through the WorkUp platform.

This FSG explains:

• Who WorkUp is and how to contact us
• The financial services WorkUp will be authorised to provide (upon CAR appointment)
• Who provides those financial services (the AFSL holder)
• How WorkUp and its representatives are remunerated
• How to make a complaint
• Our privacy and information handling practices

You will also be given the Airwallex Product Disclosure Statement (PDS) and Target Market Determination (TMD) for any specific regulated product before you acquire it. Those documents will be hosted by Airwallex and presented for acceptance at the point of activation.

WorkUp Pty Ltd (ACN 669 680 675, ABN 76 669 680 675) is a finance automation software platform helping Australian businesses manage operational cashflow visibility, tax and super obligations, and financial workflows.

Registered office: Shop 7/6 Airlie Esplanade, Airlie Beach QLD 4802
Email: support@letsworkup.com

WorkUp Pty Ltd is in the process of being appointed as a Corporate Authorised Representative (CAR) of Airwallex Pty Ltd (ABN 37 609 653 312, AFSL 487221) ("Airwallex").

• Authorising licensee: Airwallex Pty Ltd
• AFSL number: 487221
• Corporate Authorised Representative: WorkUp Pty Ltd
• CAR number: To be issued upon ASIC registration

Airwallex is the AFSL holder and product issuer. Once the CAR appointment is completed and registered with ASIC, WorkUp will arrange access to Airwallex's regulated financial products on Airwallex's behalf. WorkUp will be responsible for its own conduct as an Authorised Representative, including the operation of the WorkUp software platform.

Status: The CAR appointment is pending Airwallex approval and ASIC registration. Regulated payment services on the WorkUp platform will only be activated once these steps are complete. Until then, this FSG is provided for information and review purposes.

Upon completion of the CAR appointment, WorkUp will be authorised by Airwallex to engage in dealing by arranging in the following classes of financial products, for both retail and wholesale clients:

• Non-cash payment products (including stored-value accounts and Visa debit cards issued by Airwallex)
• Foreign exchange contracts (WorkUp is not authorised to arrange foreign exchange forward contracts for retail clients)

WorkUp does not issue financial products, hold client money, or provide financial product advice (general or personal). We do not consider your personal objectives, financial situation or needs when providing information through the platform.

Products that may be made available through the WorkUp platform include:

• Business Accounts (stored-value accounts issued by Airwallex)
• Cards with Budgets (Visa debit cards issued by Airwallex)
• Domestic payment services (including BPAY and PayID)
• International payment services (where enabled)

Before you acquire any of these products you will be provided with the relevant Airwallex Product Disclosure Statement (PDS) and Target Market Determination (TMD), which will be presented for acceptance at the point of activation.

WorkUp charges customers a subscription fee for use of the WorkUp platform.

WorkUp may also receive fees, revenue share or other commercial benefits from Airwallex in connection with customers who activate Airwallex products through the platform. These benefits may give rise to a conflict of interest, which WorkUp manages in accordance with its conflicts of interest arrangements.

WorkUp employees and directors may receive salary, bonuses or equity incentives, but do not receive commissions for individual customer sign-ups.

Further information about remuneration or benefits can be requested by contacting support@letsworkup.com.

WorkUp has a contractual relationship with Airwallex as its authorising licensee and product issuer. WorkUp is not owned by Airwallex and Airwallex is not owned by WorkUp. WorkUp does not have any other associations or relationships that could reasonably be expected to be capable of influencing the financial services we provide.

WorkUp maintains professional indemnity insurance that satisfies the requirements of section 912B of the Corporations Act 2001 (Cth) and the conditions of Airwallex's AFSL. This insurance covers claims in relation to the financial services provided by WorkUp and its representatives, including for work done by representatives who no longer work for WorkUp (subject to the policy terms).

If you have a complaint about the financial services provided through WorkUp, please contact us first so we can try to resolve it:

• Email: support@letsworkup.com
• Mail: WorkUp Pty Ltd, Shop 7/6 Airlie Esplanade, Airlie Beach QLD 4802

We will acknowledge your complaint promptly and provide a final response within 30 days as required by ASIC Regulatory Guide 271.

If your complaint is not resolved to your satisfaction, you can refer it to the Australian Financial Complaints Authority (AFCA), the external dispute resolution scheme of which Airwallex is a member:

• Website: www.afca.org.au
• Phone: 1800 931 678 (free call)
• Email: info@afca.org.au
• Mail: GPO Box 3, Melbourne VIC 3001

See our Complaints & Feedback page for full details.

WorkUp collects, uses and discloses personal information in accordance with the Australian Privacy Principles and the Privacy Act 1988 (Cth). Personal information may be shared with Airwallex for identity verification, AML/CTF compliance and the provision of regulated payment services. See our Privacy Policy for full details.

Customer identity verification (KYC) and ongoing transaction monitoring for regulated payment products are performed by Airwallex as the reporting entity under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). You may be required to provide identity documents and additional information before, and during, your use of these products.

WorkUp Pty Ltd · ACN 669 680 675 · ABN 76 669 680 675

Shop 7/6 Airlie Esplanade, Airlie Beach QLD 4802

Email: support@letsworkup.com