Terms and Conditions First 500 Founding Club

Effective: 18 May 2026

The Moneybox First 500 Founding Club is a limited promotional membership offer for the first 500 investors who successfully open and fund a Moneybox Credit Fund account during the offer period and meet these Terms and Conditions. Eligibility is based on satisfying these Terms and Conditions.

At a glance

This summary is provided to help investors quickly understand the First 500 Founding Club offer. It should be read together with the PDS, Significant Event Notice and the full Moneybox Terms and Conditions that follow.

Item	Summary
Offer	Limited First 500 Founding Club membership offer.
Available to	The first 500 eligible investors who open and fund a Moneybox Credit Fund account during the offer period and meet these Terms and Conditions.
Minimum initial investment	$5,000
Founder benefits	$50 Bonus for an initial investment of $5,000 to $9,999, or $100 Bonus for aninitial investment of $10,000 or more. Numbered Founder Coin, First 500 Founding Member in-app recognition, Early notification of eligible future product updates, Direct Founder feedback opportunities.
Monetary bonus timing	Processed within 10 business days after eligibility criteria are met, verification and compliance checks are completed, and the 14-day cooling-off period has expired without cancellation or withdrawal.
Important	This is not a competition, prize draw, lottery or game of chance.
Investment risk	All investments carry risk. Returns and capital are not guaranteed. Read the PDS and TMD before investing and consider whether the Fund is appropriate for you.
Investment risk	All investments carry risk. Returns and capital are not guaranteed. Read the PDS and TMD before investing and consider whether the Fund is appropriate for you.

If there is any inconsistency between this summary and the full Terms and Conditions, the full Terms and Conditions apply.

Full Terms and Conditions

1. Promoter and Fund information

The Moneybox First 500 Founding Club (Founding Club) is offered by Moneybox IM Pty Ltd (ACN 687 133 124, AFS Representative Number 001317023) (Moneybox, we, us or our).

Moneybox is the investment manager and promoter of the Moneybox Credit Fund (ARSN 683 725 680) (Fund). The Fund is issued by Cache (RE Services) Ltd (ACN 616 465 671, AFSL 494886) (Responsible Entity or Trustee).

These Terms and Conditions govern participation in the Founding Club. They should be read together with the Moneybox General Terms & Conditions, the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), Financial Services Guide (FSG) and Moneybox Privacy Policy. If there is any inconsistency between these Terms and Conditions and the PDS, the PDS prevails in relation to the Fund and any investment in the Fund.

2. About the First 500 Founding Club

The Founding Club is a limited promotional membership offer available to the first 500 eligible investors who successfully open and fund a Moneybox Credit Fund account during the offer period and meet the eligibility criteria set out in these Terms and Conditions.

The Founding Club is not a competition. Eligibility is determined by satisfaction of the stated criteria, not by chance, skill, draw, ranking, judging or random selection.

3. Offer period

The Founding Club opens when Moneybox makes the offer available to eligible investors and closes when 500 Founding Clubplaces have been allocated, or earlier if Moneybox closes, pauses or withdraws the offer in accordance with these Terms and Conditions.

Moneybox may provide certain early waitlist members with a 48-hour priority window before the Founding Club is opened more broadly. The priority window does not guarantee a Founding Club place unless all eligibility criteria are met and a place remains available.

4. Eligibility

To be eligible to become a First 500 Founding Member, an investor must:

be an Australian resident aged 18 years or older;
successfully open a Moneybox Credit Fund investment account;
make an initial investment of at least $5,000 into the Fund during the offer period;
remain invested after the applicable 14-day cooling-off period has expired without cancellation or withdrawal;
not be excluded by Moneybox under these Terms and Conditions for fraud, misuse, ineligibility, error or program manipulation.

For the purposes of these Terms and Conditions, an investor is taken to have successfully opened a Moneybox CreditFund investment account only once their application has been accepted, all required onboarding, identity verification, AML/CTF, tax residency and compliance checks have been completed, and they have read and acknowledged the relevant PDS and TMD.

5. How Founding Club places are allocated

Founding Club places are limited to the first 500 eligible investors who satisfy these Terms and Conditions. Moneybox will determine eligibility and allocation based on its records, including account opening, cleared funds, application acceptance, verification status and completion of the applicable cooling-off period.

If an investor is found to be ineligible, cancels or withdraws during the cooling-off period, fails verification checks, has their application rejected, or otherwise does not satisfy these Terms and Conditions, Moneybox may release that Founding Club place to another eligible investor.

Moneybox’s records are final for the purpose of determining Founding Club allocation, subject to any applicable complaint or dispute resolution rights.

6. Founding Club benefits

Eligible First 500 Founding Members may receive the following benefits, subject to these Terms and Conditions:

Benefit	Description
Numbered Moneybox First 500 Founder Coin	A physical Moneybox First 500 Founder Coin, limited to the first 500 eligible Founding Members and sequentially numbered.
First 500 Founding Member In-app Badge	A permanent First 500 Founding Member badge displayed on the investor’s Moneybox account.
Early Product Notifications	Early notification of eligible future Moneybox features and product updates, where available and approved. Any future investment options, features or product updates remain subject to the relevant PDS, TMD, eligibility requirements and applicable approvals.
Founder Bonus	$50 for an initial investment of $5,000 to $9,999, or $100 for an initial investment of $10,000 or more.
Founder Feedback Opportunities	Founding Members may be invited to provide feedback to help shape the Moneybox experience as it develops.
48-Hour Priority Window	Early waitlist members may receive a 48-hour priority window to access the First 500 Founding Club before it is opened more broadly. This is not a benefit of the Founders Club, its a disclaimer of sorts

6.1. Founder Bonus

Eligible First 500 Founding Members may receive a Founder Bonus based on their initial investment amount:

$50 for an initial investment of $5,000 to $9,999; or
$100 for an initial investment of $10,000 or more.

The Founder Bonus is available only once per eligible investor and is subject to the investor satisfying these Terms and Conditions, completing all required identity verification and compliance checks, and remaining invested after the applicable 14-day cooling-off period.

Reward options

The Founder Bonus may be received either as:

a cash payment to the investor’s nominated bank account; or
a credit to the investor’s Moneybox investment account.

Where the Founder Bonus is added to the investor’s Moneybox investment account, it will be subject to the terms of the Fund. It does not change the terms, risks, fees, target return, withdrawal rules or minimum holding period that apply to the investor’s initial investment.

The Founder Bonus does not count toward the minimum initial investment required to qualify for the First 500 Founding Club.

Processing timeline

Founder Bonuses are processed within 10 business days after all eligibility criteria have been met, all verification and compliance checks have been completed, and the 14-day cooling-off period has expired without cancellation or withdrawal.

Cash payments will be made by direct credit to the investor’s nominated bank account. Where a Founder Bonus is credited to the investor’s Moneybox investment account, the credit will be treated in accordance with the terms of the Fund and remains subject to the PDS and any applicable platform or investment terms.

The Founder Bonus is a promotional benefit only. It does not alter the investment terms, fees, risks, target return, minimum holding period, withdrawal rules or any other terms of the Moneybox Credit Fund.

7. Benefit conditions and limitations

Founding Club benefits are not transferable, exchangeable or redeemable for cash, except for the Founder Bonus where cash payment is offered as an available reward option.
The Founder Coin and Founding Member Badge have no investment value, no cash value and do not represent units in the Fund or any right to receive income, capital or any other financial benefit.
Moneybox may determine the design, format, timing and delivery method for Founder Coins and Founding Member Badges.
Moneybox may require a current delivery address before sending any physical Founder Coin. Moneybox is not responsible for delay or non-delivery caused by incorrect, incomplete or outdated address details provided by the investor.
Early notification of future features or product updates does not guarantee access to any feature, product, investment option or offer. Any future feature or investment option may be subject to separate terms, eligibility criteria, regulatory approvals, PDS, TMD and availability.
Founder feedback opportunities may be offered at Moneybox’s discretion and may include surveys, interviews, feedback sessions, product research or other forms of consultation. Participation in feedback opportunities is voluntary.

8. Verification and program integrity

Moneybox reserves the right to verify all investors, applications, investments and Founding Club eligibility before confirming any benefit or Founder Bonus.

Moneybox may withhold, reverse, cancel or refuse a Founding Club benefit or Founder Bonus where it reasonably suspects or identifies:

false, incomplete or misleading information;
fraud, misuse, manipulation or abuse of the offer;
multiple accounts created to circumvent offer limits;
an investment that is cancelled, reversed, rejected, withdrawn or not accepted by the Trustee;
failure to satisfy verification, AML/CTF, tax residency orcompliance requirements;
conduct that Moneybox reasonably considers inconsistent with the purpose or integrity of the Founding Club.

9. Program changes, suspension or closure

Moneybox may modify, pause, suspend, extendor terminate the Founding Club at any time, subject to applicable law. This may occur for operational, technical, legal, regulatory, compliance, capacity, fraud-prevention or business reasons.

Moneybox may correct any obvious error oromission in these Terms and Conditions or in any Founding Club communication, provided the correction does not materially disadvantage investors who have already qualified for a benefit.

Where reasonably practicable, Moneybox will provide notice of material changes to the Founding Club. No notice is required for minor clarifications, administrative changes, or urgent suspension due to suspected misuse, technical issues, legal concerns or regulatory requirements.

10. Investment risk and no advice

Participation in the Founding Club does not constitute financial product advice, personal advice, tax advice or are commendation to invest. All information is general information only and does not take into account an investor’s personal objectives, financial situation or needs.

Before making any decision to invest, investors should read the PDS and TMD and consider whether the Fund is appropriate for them. Investors should consider obtaining advice from a professional financial adviser.

All investments carry risk. The target return of the Fund is a target only and is not guaranteed. Neither Moneybox, the Trustee, Cache Investment Management Ltd nor any other person guarantees the performance of the Fund, the repayment of capital from the Fund or any particular rate of return. Investors may lose some or all of their money invested.

The Founder Bonus and other Founding Club benefits do not reduce or alter the risks of investing in the Fund.

11. Tax considerations

Founding Club benefits, including the Founder Bonus, may have tax consequences. Investors are responsible for determining and meeting their own tax obligations, including any reporting obligations that may apply.

Moneybox does not provide tax advice. Investors should obtain independent tax advice for their individual circumstances.

12. Privacy

Personal information collected in connection with the Founding Club will be handled in accordance with the Moneybox Privacy Policy and applicable privacy laws.

Moneybox may use personal information to administer the Founding Club, verify eligibility, communicate with investors, deliver Founding Club benefits, process Founder Bonuses, manage complaints and comply with legal, regulatory and compliance obligations.

13. Complaints and contact

For questions about the Founding Club, contact Moneybox:

Email: support@moneyboxinvest.com
Phone: 1300 992 886
Mail: P.O. Box 2245, CaulfieldJunction VIC 3161

Complaints about the Founding Club should be directed to Moneybox in the first instance. Moneybox will review complaints in accordance with its complaints process and applicable regulatory obligations.

If a complaint relates to the Fund or an investment in the Fund and is not resolved to the investor’s satisfaction, the investor may have access to external dispute resolution through the Australian Financial Complaints Authority (AFCA), subject to AFCA’s rules and jurisdiction.

14. Governing law

These Terms and Conditions are governed by the laws of Victoria, Australia. Participants submit to the non-exclusive jurisdiction of the courts of Victoria and any courts competent to hear appeals from those courts.

15. Definitions

Term	Meaning
First 500 Founding Member or Founding Member	an eligible investor who has been confirmed by Moneybox as one of the first 500 investors to satisfy these Terms and Conditions.
Founder Bonus	the promotional bonus of either $50 or $100 available to eligible First 500 Founding Members, depending on their initial investment amount and subject to these Terms and Conditions.
Founding Club	the Moneybox First 500 Founding Club promotional membership offer described in these Terms and Conditions.
Initial investment	the first accepted investment made by an investor into the Moneybox Credit Fund account for the purpose of determining Founding Club eligibility and the applicable Founder Bonus tier.
PDS	the Product Disclosure Statement for the Moneybox Credit Fund that is in force at the relevant time.
TMD	the Target Market Determination for the Moneybox Credit Fund that is in force at the relevant time.

First 500 Founding Club Terms and Conditions