Financial Services Guide

CryptoSpend Pty Ltd ABN 12 630 245 813 trading as Wayex

Australian Financial Services Licence No. 568528
Version 1.0 - dated 27 August 2026

About this Financial Services Guide

This Financial Services Guide (FSG) is issued by CryptoSpend Pty Ltd ABN 12 630 245 813, trading as Wayex (“Wayex”, “we”, “us” or “our”), the holder of Australian Financial Services Licence No. 568528.

This FSG is designed to help you decide whether to use the financial services we offer. It explains:

• who we are and how you can contact us;
• the financial services and products we are authorised to provide;
• who we act for when we provide those services;
• how we and our representatives are paid;
• any associations or relationships that could influence the services we provide; and
• what to do if you have a complaint.

You should read this FSG before we provide you with a financial service. Where we arrange for a financial product to be issued to you, you will also be given a Product Disclosure Statement (PDS) for that product. The PDS contains information about the product itself - its features, benefits, risks, fees and terms - and you should read it before deciding whether to acquire the product.

Who we are and how to contact us

You can give us instructions through the Wayex mobile application, by email to support@wayex.com, or through the contact function on our website. Some instructions can only be given through the Wayex application - where that is the case, we will tell you.

The financial services we are authorised to provide

Under AFSL 568528, we are authorised to provide the following financial services to retail and wholesale clients:

• provide general financial product advice in relation to non-cash payment products; and
• deal in a financial product by applying for, acquiring, varying or disposing of a non-cash payment product on behalf of another person.

In practice this means we distribute and promote the Wayex Prepaid Visa Card, arrange for it to be issued to you, and provide cardholder services in connection with it.

We provide general advice only. Any advice we give you is general advice. It does not take into account your objectives, your financial situation or your needs. Before acting on any general advice we give you, you should consider whether it is appropriate for you, having regard to your own objectives, financial situation and needs, and you should read the PDS for the relevant product. We do not provide personal financial product advice and we cannot tell you whether a product is suitable for you.

We do not provide tax advice. Using the Wayex Card to spend a cryptocurrency balance involves the sale of that cryptocurrency, which may have tax consequences for you. You should obtain your own independent tax advice.

Who we act for

The Wayex Prepaid Visa Card is issued by Flexewallet Pty Ltd ABN 16 164 657 032 AFSL 448066 (the Issuer). The physical and virtual Cards are issued by Novatti Group Limited ABN 98 606 556 183 pursuant to a licence by VISA Worldwide Pte Limited.

We act as the Program Manager, distributor and promoter of the Card under an agreement with the Issuer. We are not the issuer of the Card, and we do not act on your behalf when we arrange for a Card to be issued to you. When we provide financial services we act on our own behalf, under our own licence.

How we are paid

We are paid by you and, in some circumstances, by the Issuer:

• Fees you pay us. The fees and charges that apply to the Wayex Card and to your Wayex Account are set out in the PDS for the Card and on our website at https://wayex.com. These include the Card purchase price and, where applicable, replacement Card fees. We may also charge fees in connection with your Wayex Account, which are set out on our website.
• Amounts we receive from the Issuer. Under our agreement with the Issuer we may receive a share of interchange or scheme revenue generated by transactions made using the Card. The amount varies with transaction volume and value. This is paid by the Issuer and is not an additional charge to you.
• Spread on cryptocurrency transactions. Where you buy or sell cryptocurrency through the Wayex application, the price quoted to you may include a margin retained by us. The applicable rate is shown in the application before you confirm the transaction.

Our directors and employees are paid salaries and may receive bonuses. They do not receive commission based on the volume of Cards issued. We do not pay commissions or other benefits to any third party for referring clients to us.

Associations and relationships

We have a contractual relationship with Flexewallet Pty Ltd ABN 16 164 657 032 AFSL 448066, the issuer of the Wayex Prepaid Visa Card, under which we act as Program Manager, distributor and promoter of the Card. We receive amounts from the Issuer as described above.

Apart from that relationship, we have no association or relationship with any product issuer that could reasonably be expected to influence the financial services we provide to you.

Compensation arrangements

We hold professional indemnity insurance that satisfies the requirements of section 912B of the Corporations Act 2001 (Cth). This insurance covers the financial services we provide, including the conduct of our representatives and of former representatives who were representatives at the time of the relevant conduct.

Your privacy

We collect and handle your personal information in accordance with our Privacy Policy, which is available at https://wayex.com. Our Privacy Policy explains what we collect, why we collect it, who we may disclose it to (including any overseas disclosures), and how you can access, correct or complain about our handling of your personal information.

If you have a complaint

Step 1 - talk to us. Contact us at support@wayex.com, or through the contact function on our website at https://wayex.com. Please tell us your name, your email address and/or telephone number, and as much detail as you can about your complaint.

We will acknowledge your complaint promptly and give you a written response setting out our decision and the reasons for it. If we cannot resolve your complaint within the time allowed, we will write to you explaining why, and tell you of your right to take the complaint to AFCA.

Step 2 - take it to AFCA. If we do not resolve your complaint to your satisfaction, you can take it to the Australian Financial Complaints Authority (AFCA). AFCA provides fair and independent financial services complaint resolution that is free to consumers. We are a member of AFCA (membership number 99432).

Time limits apply to complaints made to AFCA. You should contact AFCA, or refer to its website, to find out whether a time limit applies to your complaint.

This Financial Services Guide is dated 27 August 2026 and is issued by CryptoSpend Pty Ltd ABN 12 630 245 813 trading as Wayex, AFSL 568528.