Issuer: You Technologies Group (Australia) Pty Ltd (ABN 20 676 703 496) — AFSL 558059

Version / Date: V1.1 – 5 November 2025

What this guide is: It describes the class of retail clients the product is intended for, the distribution conditions, and the review and reporting arrangements. It is not personal advice and not a Product Disclosure Statement (PDS).

1. Product snapshot

   Item	Summary
   Product type	Non-cash payment facility: multi-currency wallet with linked Mastercard® debit card
   Core use	Hold, exchange and spend supported currencies ATM withdrawals P2P within YouTrip AU
   How it’s accessed	In-app only (no physical branches)
   What it is not	Not a bank account No interest No credit/overdraft
   Funding & holdings	Top-up in AUD Convert/ hold any of the currencies shown on Supported Currencies  Funds held on trust in segregated client money accounts Balance shown in-app
   Fees & limits	See Fees & Limits Schedule
   Key risks (high level)	FX rate movements Card scheme outages/ third-party interruptions Annual limits/ holds Fraud/ scams Full detail in PDS

2. Target market

   2.1 Target market (who this is for)

   Attributes	Likely target market	Why consistent with product attributes
   Objectives/ needs	Spend overseas/ online in foreign currencies Hold small/ medium balances across currencies Make ATM withdrawals and P2P transfers Manage money digitally	Wallet + card supports holding, converting, and spending  Mastercard® rails enable in-store/ online spend P2P available App servicing suits digital users
   Financial situation	Able to fund the wallet Accepts FX rate fluctuations (no capital protection) Does not need interest or overdraft	Product doesn’t pay interest or provide credit Balance can fluctuate with FX Designed for payments use
   Key characteristics	18+  Australian resident Regular access to internet/ smartphone  Comfortable with digital self-service	Distribution is digital-only Disclosures and support are delivered digitally

   2.2 Not in target market
   

   Not suitable / outside target	Rationale
   Minors	Product requires user to be 18+ and undergo KYC
   Consumers wanting interest-bearing savings or guaranteed returns	No interest  Not designed for long-term savings
   Consumers needing credit/ overdraft	No credit facility Negative balances must be rectified before further use
   Consumers with limited digital access or needing branch service	Servicing is in-app only
   Consumers seeking speculative FX trading tools	Not a trading platform FX is for transactional purposes
   Prohibited use/ restricted businesses	Per YouTrip Wallet Terms and Website Terms

3. Product attributes

   Attributes	How it works	Alignment to needs
   What it is	Multi-currency wallet with a linked Mastercard® debit card. Top-up AUD, then convert and hold supported currencies (see Supported Currencies ). If you pay in a currency you don’t hold, we convert from AUD using SmartExchange™.	Hold/spend in multiple currencies for travel and online purchases; accepts normal FX movement; payments use case (not savings).
   Access & channels	App-only product. Physical and virtual cards included; Apple Pay and Google Pay supported.	Meets needs of mobile-first customers who manage their account in-app and want immediate in-store/ online spend via physical/ virtual cards
   Funding (top-up AUD)	Top-up via Australian Visa/ Mastercard® credit/ debit card (including Apple Pay and Google Pay). Top-ups are typically immediate but can be delayed by network/ security checks. Fees/ charges: see Fees & Limits Schedule; some methods may have third-party charges.	Easy domestic funding; fast availability in normal cases; clear awareness that certain methods can cost more.
   Converting funds	Convert in-app at a market-linked spot rate sourced from our liquidity provider(s) (see supported currencies). Choose the destination currency to view the rate; the rate shown when you confirm is the rate we apply. Balances update once the conversion completes and may fluctuate with FX thereafter.	Ability to pre-buy/ hold foreign currency or rely on auto-convert; certainty at the point the rate is confirmed.
   Spend (card payments)	Pay anywhere Mastercard® is accepted (in-store/ online). If you hold the transaction currency, we debit that wallet; otherwise, we auto-convert from AUD using SmartExchange™. Merchant rules may place temporary holds that reduce available balance.	Everyday global spend with simple fallback; no need to pre-load every currency; clear expectation of possible holds.
   ATM cash	Withdraw cash where Mastercard® is accepted.	Access to cash locally and while travelling; limits/ fees are disclosed for budgeting.
   P2P transfers (YouTrip AU)	Instant transfers between YouTrip AU users in supported currencies (see Supported Currencies ). Not a remittance to external bank accounts.	Instant in-app transfers between YouTrip AU users for simple bill-splits.
   Negative balance	No credit provided. If settlement pushes a wallet below zero, the account will show a negative amount. We do not automatically debit a stored funding method or convert from other wallets. Please top up to restore a positive balance; we may suspend card use and decline transactions until rectified per YouTrip Wallet Terms.	Reinforces payments-only design; avoids unintended credit exposure.
   Annual activity cap	Total wallet activity capped at AUD 1,000,000 per calendar year.	Suits personal travel/everyday use, not high-volume business flows.
   Fees & schedules	All fees and limits are listed in the Fees & Limits Schedule	Price transparency in a single, updateable location.
   Interest & safeguarding	No interest paid on wallet balances. Any interest earned on client-money trust accounts is retained by YouTrip. Funds are held in accordance with applicable safeguarding requirements.	Clarifies this is a payments product and how funds are held.
   Support & complaints	Need help? Chat with us in-app or visit the Help Centre. If an issue isn’t resolved, you can make a complaint, and we’ll keep you updated and aim to fix it quickly. If you’re still unhappy, you can ask AFCA to review your case at no cost.	Clear self-serve help with an independent escalation path if required.

4. Distribution conditions (and why they are appropriate)

   Condition	Setting	Why appropriate
   Channels	Customer-initiated, in-app onboarding only. Owned web/app pages for information and support; no third-party distributors or affiliate sign-ups unless expressly approved.	Keeps distribution within controlled channels; ensures mandated disclosures are delivered consistently and captured.
   Eligibility gates	18+ Australian residents only; successful KYC/AML/sanctions screening; valid mobile/ email; acceptance of YouTrip Wallet Terms, Terms, Privacy and product disclosures.	Ensures the product reaches the intended target group and meets legal/ operational obligations before activation.
   Sales conduct	No unsolicited contact. Marketing is general in nature (no personal advice). PDS, TMD, and Fees & Limits Schedule available before application.	Reduces mis-selling risk; aligns expectations and supports informed decisions.
   Operational readiness	App-only product. User must have a compatible device/OS, stable internet, and be able to receive OTP/2FA; Apple Pay and Google Pay available; Google Pay not supported.	Matches digital-only design and target market’s self-service capability.

5. Review triggers (when we will reassess this TMD)

   We will review this TMD if one or more of the following occur:

   • A material change to the product’s key attributes, terms, pricing, or distribution strategy
   • A significant increase in complaints or adverse feedback indicating the product is not meeting customer expectations
   • Unexpected customer usage or demographic shifts that suggest the product is reaching customers outside the target market
   • Australian Securities and Investments Commission’s (ASIC) issues a directive, regulatory development, or inquiry concerning product design or distribution

6. Review frequency

   • First review: within 12 months of the effective date
   • Ongoing: at least every 12 months, and earlier if a trigger occurs

7. Distributor reporting (if distributors are appointed in future)

   YTGAU is currently the sole distributor. If we appoint distributors, they must provide:

   Report	Timing	Minimum content
   Complaints	Monthly, with nil reports required; due within 10 business days after month-end.	Count of complaints about this product; primary issues/themes; how many related to product design/distribution; % resolved within IDR timeframes; any emerging/systemic issues.
   Significant dealing (distribution inconsistent with this TMD)	As soon as practicable and no later than 2 business days after becoming aware	Description of the dealing; dates/ period; channels affected; nature/extent of inconsistency with the TMD; scale (e.g., number/proportion outside target market)

   (YTGAU will notify ASIC of any significant dealing within 10 business days after becoming aware.)

8. Appropriateness statement

   We consider the YouTrip product, when distributed under the conditions above, is likely to be consistent with the objectives, financial situation and needs of the class of retail clients described in Section 2 because the key attributes in Section 3 directly support everyday multi-currency spending and holding via a digital-only service, without interest or credit features that would mis-align the product with savings or borrowing needs.

9. Key definitions

   • YouTrip, we/us: You Technologies Group (Australia) Pty Ltd (ABN 20 676 703 496), AFSL 558059.
   • Wallet: electronic account showing your balance(s) in supported currencies.
   • P2P: person-to-person transfers between YouTrip AU users.
   • KYC: identity verification checks required by law.
   • Significant dealing: distribution to consumers outside this TMD in a way that is significant by number, regularity or impact (we assess all three).