Financial Services Guide

1. About BondBricks

Company Name: BondBricks Australia Pty Ltd
ABN: XX XXX XXX XXX
Registered Office: Level 10, 123 Market Street, Sydney NSW 2000
Contact: 1300 BONDS (1300 26637) | invest@bondbricks.com

BondBricks operates as a marketplace platform connecting investors with licensed financial partners who hold Australian Financial Services Licenses (AFSL) issued by ASIC. Our licensed partners include Macquarie Capital, NAB, and Perpetual Trustees. These partners are authorised to provide financial product advice and deal in managed investment schemes. BondBricks provides the technology platform and marketplace services.

2. Services Overview

Platform Services (Provided by BondBricks)

• Technology platform and marketplace infrastructure
• Secondary marketplace for trading real estate bond units
• Property information and educational content
• Account management and portfolio tracking
• Transaction coordination and settlement services

Regulated Financial Services (Provided by Licensed Partners)

The following regulated financial services are provided by our licensed partners who hold Australian Financial Services Licenses:

• Macquarie Capital (AFSL XXX XXX): Bond issuance and structuring
• NAB (AFSL XXX XXX): Payment processing and banking services
• Perpetual Trustees (AFSL XXX XXX): Custodial and trustee services, responsible entity functions

3. General Advice Only

You should:

• Read the Product Disclosure Statement (PDS) before investing
• Consider seeking personal financial advice from a licensed financial advisor
• Understand the risks associated with property investment
• Only invest money you can afford to lose

4. How We Are Remunerated

BondBricks generates revenue through the following fees:

Transaction Fees

We charge a 1.75% fee on all buy and sell transactions. This fee covers the cost of:

• Platform operation and technology infrastructure
• Regulatory compliance and reporting
• Customer support services
• Payment processing and settlement

Property Management Fees

Property management fees (typically 6-8% of rental income) are deducted from gross rental income before dividends are distributed to investors. These fees are paid to third-party property managers and cover:

• Tenant sourcing and lease management
• Property maintenance and repairs
• Rent collection and arrears management
• Regular property inspections

No Hidden Fees

We do not charge:

• Monthly subscription fees
• Account maintenance fees
• Performance fees
• Exit fees
• Inactivity fees

5. Staff and Representative Remuneration

Our employees and representatives receive:

• Fixed salaries and performance-based bonuses
• Standard employment benefits (superannuation, leave entitlements)

Our staff do not receive commissions based on specific investment products or transactions. This ensures unbiased service and removes conflicts of interest.

6. Related Parties and Associations

BondBricks may have business relationships with:

• Property developers and vendors
• Property management companies
• Real estate agents and valuers
• Legal and conveyancing firms
• Payment processing providers

Any potential conflicts of interest are disclosed in property documentation, and all transactions are conducted at arm's length.

7. Professional Indemnity Insurance

BondBricks holds Professional Indemnity Insurance that covers the platform and marketplace services we provide. This insurance covers claims relating to technology platform operations and marketplace services.

Our licensed financial partners hold separate Professional Indemnity Insurance for regulated financial services:

• Each licensed partner maintains PI insurance that satisfies the requirements under s912B of the Corporations Act 2001
• Their insurance covers claims relating to regulated financial services including bond issuance, custody, and trustee functions
• Combined coverage provides comprehensive protection for investors

8. Privacy and Confidentiality

We are committed to protecting your privacy. Personal information collected is used to:

• Process your investment applications and transactions
• Comply with KYC/AML regulations
• Provide customer support and platform services
• Send important account notifications

Full details are available in our Privacy Policy.

9. Complaints and Disputes

We are committed to resolving complaints fairly and efficiently.

Internal Dispute Resolution

If you have a complaint:

1. Contact our Complaints Officer at complaints@bondbricks.com
2. Provide details of your complaint in writing
3. We will acknowledge your complaint within 1 business day
4. We will investigate and respond within 30 days

External Dispute Resolution

If you are not satisfied with our response, you can escalate your complaint to:

Australian Financial Complaints Authority (AFCA)
GPO Box 3, Melbourne VIC 3001
Phone: 1800 931 678
Email: info@afca.org.au
Website: www.afca.org.au

AFCA provides fair and independent financial services complaint resolution that is free to consumers.

10. Compensation Arrangements

BondBricks has arrangements in place to ensure retail clients will be compensated for losses or damage suffered because of breaches by BondBricks or its representatives. This is in addition to our Professional Indemnity Insurance.

11. Contact Information

For questions about this Financial Services Guide or our services:

BondBricks Australia Pty Ltd
Level 10, 123 Market Street
Sydney NSW 2000

Phone: 1300 BONDS (1300 26637)
Email: invest@bondbricks.com
Website: www.bondbricks.com