# Idealx Financial Services Guide Version 2.3 | Published 28 September 2026 Read with your completed account and service particulars. Managed services: scope and priority ------------------------------------ This FSG does not establish a Trend appointment. Before offering an MDA, supply the current Trend-approved MDA FSG and required disclosures with verified licence, representative, remuneration, outsourcing, complaints and custody details. Do not extend the Idealx Securities AFSL 531729 description to imply MDA authority. Document 29 identifies the distinct MDA provider relationship when that service is activated. This amendment has priority for its stated MDA scope. Unrelated service provisions continue to apply. 1 Purpose and providers ----------------------- This guide describes the financial services offered through Idealx Platform Pty Ltd as corporate authorised representative identified in the Service Particulars of Idealx Securities Limited, AFSL 531729, and the licensee services identified in your service record. It helps you understand who supplies those services, how they are paid and how to complain. It does not replace a product disclosure statement or personal advice document where required. Idealx Platform Pty Ltd: ACN 694 912 126; ABN 83 694 912 126; Suite 109, Level 1, 40 Burgundy Street, Heidelberg VIC 3084, Australia. Idealx Securities Limited: ACN 647 627 889; ABN 41 647 627 889; 29 Wandypark Road, Wandandian NSW 2540, Australia. Contact support@idealx.com for service enquiries, notices@idealx.com for notices and complains@idealx.com for complaints. Issue authorisation by the licensee, guide effective date and the compensation-arrangements disclosure must be completed in the FSG Approval Particulars before this guide is issued. An unsigned approval record is not a statement that the licensee has authorised this guide. 2 Scope ------- Within the actual licence and representative appointment, the identified services cover general financial product advice and dealing on behalf of retail and wholesale clients in basic and non-basic deposit products, government debentures, stocks or bonds, interests in managed investment schemes including investor directed portfolio services, and securities. Actual availability is narrower than the licence product list and is shown in your service record. Reference to a product class does not establish authority to operate an IDPS, provide custody, issue a fund, give personal advice or manage investments with discretion. Platform supplies the digital interface and the identified representative services. Securities supplies the securities and other licensee services it has accepted. Execution, settlement and custody arrangements are identified separately before activation. Digital-asset services of Idealx Digital Assets and third-party payment services are not represented as covered by this AFSL merely because they appear in the same interface. Where we provide general advice, it does not take account of your objectives, financial situation or needs. Consider whether it is appropriate for you and read the relevant product disclosure statement or other disclosure before deciding to acquire the product. The warning must accompany the actual advice where required; receiving this guide alone is not a substitute. Independent firms' services and disclosures are separate unless they actually act for the licensee. 3 Giving instructions --------------------- Use the authenticated online service and its confirmation steps. The service record identifies supported instructions, account permissions and provider acceptance. Console firms act only under verified appointments. AI may prepare an instruction but requires the appropriate affirmative confirmation before submission. Strategy changes require the Client’s approval. Contact support if you cannot use the agreed channel. 4 Fees and benefits ------------------- The supplied Idealx Fee Schedule identifies the current transaction and optional strategy charges, recipients, calculation and collection rules. The ordinary account has no monthly or annual fee. Optional strategy services cost 0.20% per annum on enrolled invested assets, excluding uninvested cash. Independent advice, fund and provider charges are identified separately before the relevant service. No unspecified charge arises from this guide. Platform may retain eligible cash-management earnings under the disclosed lawful cash arrangements. The relevant licensee or payment provider's rights and client-money rules control what is lawfully receivable. Platform retains its agreed customer-service economics and pays Securities and other providers under separate service agreements. Where a provider lawfully receives earnings for onward payment to Platform, that route is separately documented. Required remuneration disclosures remain applicable. Fund providers pay fixed onboarding and technology fees under their contracts. Required details of benefits relevant to your service, including referral arrangements, are supplied in the Remuneration Particulars with this guide or at the legally required time. Prohibited remuneration is not authorised by disclosure. Before issue, the Remuneration Particulars must state the actual remuneration and benefits payable to the representative, licensee, personnel and relevant associates, including the amount or calculation where required and how any permitted later amount disclosure is obtained. No unsupported assertion that staff receive only salary, or that there are no referral benefits, is made by this draft. 5 Relationships and conflicts ----------------------------- Idealx Holdings Pty Ltd, ACN 700 922 210, owns Platform and has the interests in Securities and Idealx Digital Assets disclosed in the current Service Particulars. Related entities may benefit when their services are selected. TMA LLC-FZ in the UAE owns the core technology and brands under the proposed licensing arrangements. These interests do not transfer client assets or remove duties attached to actual financial services. Relevant associations, remuneration and product interests are disclosed as required and conflicts must be managed in supplying services. 6 Privacy and complaints ------------------------ The Privacy Policy explains collection, use, disclosures, overseas handling, access and complaints. For a service complaint, contact complains@idealx.com. The Complaints Policy explains the process and ordinary 30-calendar-day financial-service response period, subject to applicable exceptions. Idealx Securities' AFCA membership is 91298. Eligible complaints may be taken to AFCA at www.afca.org.au, 1800 931 678 or info@afca.org.au, subject to its jurisdiction. Securities membership is not automatically Digital Assets membership. 7 Compensation arrangements --------------------------- The licensee must insert its verified compensation-arrangements statement in the FSG Approval Particulars, including the required explanation of professional indemnity insurance or other applicable arrangements and relevant former-representative coverage. This agreement does not claim that insurance is in force or that a policy meets section 912B without evidence. This section must be replaced with the approved disclosure before issue.