Product Disclosure Statement - BondBricks Australia

1. About BondBricks and the Investment Structure

Important: Marketplace Platform Structure

BondBricks operates as a marketplace platform connecting investors with licensed financial partners. BondBricks is NOT the Responsible Entity of the managed investment scheme. The Responsible Entity is Perpetual Trustees, a licensed and regulated entity that holds the AFSL and manages the scheme's regulatory compliance.

⚠️ PLACEHOLDERS - REPLACE BEFORE PRODUCTION

Marketplace Platform: BondBricks Australia Pty Ltd
ABN: 12 345 678 901 (PLACEHOLDER)
Registered Office: Level X, XXX Street, Sydney NSW 2000 (PLACEHOLDER)

Responsible Entity: Perpetual Trustees
AFSL Number: XXX XXX (PLACEHOLDER)
ABN: XX XXX XXX XXX (PLACEHOLDER)

How the Structure Works

BondBricks operates a marketplace platform that allows retail investors to invest in fractional ownership of Australian commercial and residential real estate through a managed investment scheme. The investment structure involves:

BondBricks: Provides the technology platform, marketplace services, and investor experience
Perpetual Trustees (Responsible Entity): Holds the AFSL, manages regulatory compliance, and acts as trustee
Macquarie Capital: Structures and issues the bonds
NAB: Provides banking and payment processing services

The scheme is registered with ASIC and operates under the AFSL held by Perpetual Trustees.

2. How the Investment Works

When you invest in BondBricks Real Estate Bonds, you are purchasing units in a managed investment trust that owns Australian property assets. Your investment entitles you to:

A proportional share of rental income from the property (distributed as monthly dividends)
A proportional share of capital appreciation when property values increase
The ability to sell your units on the secondary marketplace

3. Benefits of Investing

Low minimum investment ($100) provides accessibility
Diversification across multiple properties and locations
Monthly passive income from bond yields
Professional property management included
No landlord responsibilities or maintenance costs
ASIC-regulated investment structure

4. Significant Risks

All investments carry risk. You should consider the following significant risks before investing:

Risk of Loss

You may lose some or all of your invested capital. The value of your investment may go down as well as up.

Property Market Risk

Property values fluctuate based on economic conditions, interest rates, supply and demand, and local market factors. A downturn in the property market may reduce the value of your investment.

Rental Income Risk

Dividend payments depend on rental income, which may decrease due to tenant defaults, vacancies, or reduced rental demand. Dividends are not guaranteed.

Liquidity Risk

Real estate is an illiquid asset class. While our secondary marketplace provides some liquidity, you may not be able to sell your units quickly or at your desired price.

Interest Rate Risk

Rising interest rates may reduce property values and make property investments less attractive compared to other assets.

Regulatory Risk

Changes in taxation laws, property regulations, or investment scheme regulations may affect returns.

Concentration Risk

If you invest heavily in one property or location, you have increased exposure to risks specific to that asset.

5. Fees and Costs

You will be charged the following fees:

Fee Type	Amount	When Charged
Transaction Fee	1.75%	On purchase and sale
Management Fee	Nil	N/A
Performance Fee	Nil	N/A
Exit Fee	Nil	N/A

Example: If you invest $1,000, you will pay a $17.50 transaction fee. Your net investment will be $982.50.

6. Taxation

Tax implications depend on your personal circumstances. Generally:

Dividend income is assessable income in the year received
Capital gains tax may apply when you sell units
CGT discount (50%) may be available if held for 12+ months
Tax reports are provided annually

You should consult a tax advisor for advice specific to your situation.

7. How to Invest

Create an account and complete KYC verification
Link your bank account for funding
Browse available properties
Select investment amount (minimum $100)
Review and accept this PDS
Complete payment
Receive confirmation and units in your portfolio

8. How to Withdraw (Redemption Process)

To exit your investment, you can sell your bond units through our instant redemption program:

Log into your BondBricks account and navigate to your Portfolio
Click "Sell" on the holding you wish to redeem
Confirm the number of units you wish to sell (partial or full holdings)
Sale executes immediately at the current market price
A 1.75% transaction fee is deducted from the sale proceeds
Sold units are returned to the property's general availability pool for new investors
Funds are transferred by Perpetual Trustees (licensed trustee) to your verified bank account within 2-5 business days

Important: While BondBricks strives to maintain liquidity, the redemption program is subject to availability. In rare circumstances, liquidity may be temporarily suspended for regulatory or operational reasons. Market price may fluctuate based on property valuations. There is no cooling-off period for this investment.

9. Investor Protection

Your investment is protected by:

ASIC regulation and oversight
Perpetual Trustees acts as independent custodian holding assets in trust (not BondBricks)
Annual audits by independent auditors
Compliance committee oversight
Dispute resolution through AFCA (Australian Financial Complaints Authority)

10. Contact Information

For questions or to request a paper copy of this PDS:

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

Consent to Electronic Communication

By creating an account, you consent to receive this PDS and all related documents electronically. You can request a paper copy at any time at no charge.