# Idealx Auto Pilot Mandate Version 2.3 | Published 28 September 2026 Read with your completed account and service particulars. 1. Objective and horizon ------------------------ Auto Pilot seeks long-term capital growth and total return through active management across permitted assets. A five-year or longer horizon is the starting profile, subject to personal suitability. It is not a savings account, guaranteed-growth product or capital guarantee. 2. Entire eligible account -------------------------- The mandate covers all eligible assets and available cash of the selected legal account, including accepted subsequent deposits and portfolio proceeds. Before activation, provide a holdings inventory identifying managed, excluded, illiquid and unsupported assets, committed payments, pending orders and existing strategy allocations. Individual, company, trust and SMSF accounts require separate capacity and authority. Future external accounts, another entity’s property and pre-committed settlement cash are not included merely because accessible under the same login. Unsupported holdings require an agreed transfer, sale or exclusion decision before activation. 3. Broad investment discretion ------------------------------ Within the completed investment program, the AP Team may select, dispose of and replace investments; rotate across approved asset classes, regions, sectors and currencies; rebalance; reinvest; determine timing and order method; manage currency and liquidity; and allocate to approved strategies. No fixed strategic allocation is promised unless the client-specific program sets one. Permitted categories may include listed equities, ETFs, approved fund interests, fixed income, deposits and cash, FX, approved derivatives and approved digital-asset exposures. Mention of a category does not activate it. The approved universe, eligibility, position and counterparty limits must be documented before use. Holding up to 100% cash temporarily may be permitted by the completed program; there is no obligation to remain fully invested. 4. Required risk settings ------------------------- The Investment Program must state maximum single-issuer and sector exposures; gross and net exposure limits; permitted derivative purposes; margin and liquidity reserves; currency limits; digital-asset cap; illiquid-asset cap; approved counterparties; and review/breach procedures. Blank limits mean the relevant discretionary power is unavailable, not unlimited. Borrowing, naked short positions and non-limited-recourse exposures are not enabled by the general mandate. They need separate express settings and consents. Direct crypto, staking and lending are not presumed authorised by the CAR. No client property is used to fund Idealx’s own business. 5. Trading control and client rights ------------------------------------ While active, only the properly appointed management team and controlled execution systems may initiate investment instructions within the managed scope. Portal, Console, API and Atlas AI enforce the same restriction. Other delegates cannot override it through another channel. Clients can view, download, change security settings, update their circumstances, contribute, raise complaints and request withdrawals or termination. Incoming deposits follow the approved funding rules; scheduled payments and third-party transfers require explicit review so management does not consume committed cash. 6. Activation and transition ---------------------------- The client receives advice, the completed mandate and disclosures, sees current assets and the fee summary, accepts the specific MDA documents and receives provider confirmation. Activation can involve selling existing assets with tax and transaction consequences. Ordinary registration or receiving a notification does not switch Auto Pilot on. Existing self-directed strategy allocations must be mapped, exited or expressly incorporated before activation; eliminate overlapping instructions and fees. If Auto Pilot is unsuitable, do not activate it. 7. Exit and fee treatment ------------------------- Stop management routes to orderly handover rather than automatic liquidation. A separate cash-withdrawal request specifies amount and currency. Show pending settlement, non-transferable positions, necessary closing actions and expected completion. Restore manual trading only for assets released from active management and conflicting obligations. Management fees stop for assets when discretionary management ends, no later than their release from the managed service. Passive assets remaining solely because of provider processing or transfer delay do not attract continuing management fees. Any separately agreed external custody or transfer costs must be disclosed. Performance fees crystallise only under document 31, without resetting loss protection merely because the client switches off and on. 8. Fees and acceptance ---------------------- Auto Pilot: 0.99% p.a. management fee plus 15% of qualifying net profits above a 5% annual hard hurdle and the adjusted high-water mark. No dollar cap. Rates include GST where applicable. Document 31 governs calculations, exclusions and examples. No additional 0.20% platform strategy fee applies on the same managed assets. Acceptance: “I accept these documents and authorise management of my account within the agreed mandate.” Adjacent notice: “Manual trading is disabled while Auto Pilot is active. You can still request withdrawals or stop management. Returns are not guaranteed.” Button: Enable Auto Pilot.