Client Referral Program — Terms & Conditions

These terms and conditions ("Terms") govern the WizWealth Finance Client Referral Program (the "Program"). By making a referral, you accept these Terms. Please read them carefully and keep a copy for your records.

1. The promoter

The Program is promoted by WizWealth Finance ABN 48 606 437 272, of 2/16 Prosperity Street, Truganina VIC 3029 ("WizWealth", "we", "us"). WizWealth Finance is Credit Representative Number 478901 of Australian Finance Group Ltd, Australian Credit Licence Number 389087.

2. Campaign period

The Program opens at 9:00am AEST on 3 September 2026 and closes at 5:00pm AEST on 3 September 2027 (the "Campaign Period"). Only referrals received by us during the Campaign Period are eligible. A referral is "received" on the date we first receive the referred person's details or their first contact with us, whichever is earlier. Settlement of the referred loan may occur after the Campaign Period, provided the referral itself was received within it and the loan settles within 120 days of the date the credit application was lodged with the lender (the "Settlement Cut-Off"). Loans that have not settled by the Settlement Cut-Off attract no Reward.

3. Who is eligible to refer

To be eligible to receive a reward under this Program, a referrer must:

• be an existing client of WizWealth Finance — that is, a person for whom WizWealth has, at the date of the referral, either submitted a credit application or settled a credit facility;
• be aged 18 years or over and a resident of Australia;
• be an individual acting in their personal capacity, not a business, referral partner or introducer operating under a separate commercial or referral arrangement with WizWealth; and
• not be an employee, contractor, director or credit representative of WizWealth, nor an immediate family member of one.

4. Definition of "referred client"

A "referred client" is a person who:

• was not an existing client of WizWealth and had no active enquiry, application or pre-approval with WizWealth in the 12 months before the referral;
• is introduced to WizWealth by an eligible referrer during the Campaign Period, and identifies that referrer by name at or before their first appointment with us;
• is aged 18 years or over and a resident of Australia; and
• submits a credit application through WizWealth that proceeds to settlement in accordance with clause 6.

Where the referral is not identified before the first appointment, we may in our discretion decline to treat the person as a referred client. Where two or more people claim to have referred the same person, we will recognise only the first referral recorded in our systems.

5. Consent to provide a person's details

You must not provide us with another person's name or contact details unless you have first obtained that person's express consent to do so and to being contacted by WizWealth about credit assistance. By providing a person's details you confirm that you have obtained that consent. If you have not, please ask the person to contact us directly instead — we will still recognise the referral if they identify you by name. We handle personal information in accordance with the Privacy Act 1988 (Cth) and our Privacy Policy, available at wizwealth.com.au/privacy-policy. We may contact a referred person to confirm that consent was given, and may decline a referral where we are not satisfied that it was.

6. The referred client must proceed to settlement

No reward is payable unless and until the referred client's home loan application, submitted through WizWealth, is unconditionally approved, settled and funded by the lender, and any lender clawback or cooling-off period applicable to that loan has expired. No reward is payable in respect of an application that is declined, withdrawn, cancelled, not proceeded with, settled through another broker or directly with a lender, or where the loan is discharged or refinanced away within 6 months of settlement.

7. The reward

Where clauses 3, 4 and 6 are satisfied, WizWealth will provide one Visa gift card to the referrer and one Visa gift card to the referred client (each a "Reward"), of the following value:

• $100 each — where the referred client's loan settles at a loan amount of $500,000 or less
• $200 each — where the referred client's loan settles at a loan amount above $500,000

The applicable tier is determined by the total credit limit of the referred client's loan as recorded on the lender's settlement statement. Where a referred client settles more than one loan at the same time, the tier is determined by the combined settled limit. The Reward is not a share of, and is not calculated by reference to, any commission received by WizWealth, and the tier does not affect the credit assistance provided to the referred client — see clause 12. Rewards are not transferable, are not redeemable for cash, and cannot be exchanged, extended or replaced if lost, stolen or expired after delivery. Gift cards are subject to the issuer's own terms and expiry conditions. We may substitute a Reward of equal or greater value if the specified gift card becomes unavailable.

8. When Rewards are issued

Rewards will be issued within 30 days of the later of (a) settlement of the referred client's loan and (b) expiry of any applicable cooling-off period. We will contact the referrer and the referred client using the contact details held in our records to arrange delivery, electronically or by post. If we are unable to contact a recipient, or a recipient does not respond to our request for delivery details, within 60 days of settlement, the Reward is forfeited.

9. Maximum number of Rewards

A referrer may receive a maximum of five (5) Rewards (being a maximum of $1,000 in gift cards) during the Campaign Period. A referred client may receive a maximum of one (1) Reward, regardless of the number of loans or applications they settle, and regardless of how many people refer them. Only one Reward is payable per settled loan per person.

10. Exclusions

The following are excluded from the Program and attract no Reward:

• self-referrals, and referrals between people who reside at the same address as the referrer or who are parties to the same loan application;
• referrals of a person who is already a client of WizWealth, or who was already in contact with us as described in clause 4;
• internal refinances, variations, top-ups, loan increases, product switches or repricing on an existing WizWealth-arranged loan;
• referrals arising from an existing commercial referral arrangement, spotter fee agreement or paid introducer relationship with WizWealth;
• asset finance, commercial, business or personal loan applications, unless we notify the referrer in writing that the Program has been extended to them; and
• referrals received outside the Campaign Period, or loans that do not settle by the Settlement Cut-Off in clause 2.

11. Fraudulent, duplicate or ineligible referrals

WizWealth may, at its absolute discretion and without liability, disqualify a referral, withhold or cancel a Reward, or require repayment of a Reward already issued, where it reasonably believes that a referral is fraudulent, duplicated, artificially generated, made without the referred person's consent, made in breach of these Terms, or otherwise designed to obtain a Reward improperly. We may request reasonable evidence to verify any referral. Our determination on eligibility is final, and we are not obliged to enter into correspondence about it, subject to your rights at law.

12. No effect on credit assistance or costs

Participation in the Program does not oblige a referred client to use WizWealth, does not affect the cost of any loan, and does not influence the credit assistance we provide. We remain bound by our best interests duty and conflict priority obligations under the National Consumer Credit Protection Act 2009 (Cth): we recommend credit products on the basis of the client's circumstances, needs and objectives, and no Reward under this Program forms part of, or is contingent on, any particular lender or product. Where a Reward tier is determined by the settled loan amount under clause 7, that tier is applied only after the referred client has independently selected a loan amount appropriate to their own needs and objectives; a Reward tier is never a reason to recommend a larger loan, and WizWealth staff are prohibited from raising it as a factor in any credit recommendation. Rewards are paid by WizWealth from its own funds and are not paid by, or funded by, any lender.

13. Tax

Recipients are responsible for any tax consequences arising from receipt of a Reward. WizWealth does not provide tax advice; please seek independent advice about your own circumstances.

14. Changes and termination

WizWealth may amend these Terms, or suspend or end the Program, at any time, including before the end date in clause 2. We will publish any change on our website at wizwealth.com.au and notify participants with a live referral in progress. Any change will not affect a Reward already earned under clauses 3, 4 and 6 before the change took effect.