These terms and conditions (these “Terms and Conditions“) govern the Promotion (as defined below). By participating in the Promotion, you confirm that you accept these Terms and Conditions and agree to comply with them.

1. Definitions and Interpretation

In these Terms and Conditions, the following words and expressions shall have the following meanings:

1.1 “AUD” means Australian dollar;;

1.2 “Eligible Transaction” shall have the meaning given to such term in clause 4.2;

1.3 “Promotion” shall have the meaning given to such term in clause 2;

1.4 “Promotion Period” shall have the meaning given to such term in clause 3;

1.5 “Reward Criteria” shall have the meaning given to such term in clause 4.1;

1.6 “USD” means United States dollar;

1.7 “Voucher” shall have the meaning given to such term in clause 4.2;

1.8 “World Account Terms” means all of the prevailing terms and conditions, including the privacy policies, governing the World Account service provided by WorldFirst; and

1.9 “WorldFirst” refers to World First Pty Ltd.

1.10 “WorldFirst Portal” means WorldFirst’s website accessible via this link.

2. Description of the Promotion

During the Promotion Period, a WorldFirst customer who is registered in the countries or regions supported by the account service offered by WorldFirst and satisfies the Reward Criteria may be eligible to receive the Voucher (the “Promotion”).

3. Promotion Period

The “Promotion Period” is the period beginning on 10 September 2025 and ending on 30 November 2025 (both days, inclusive).

4. Voucher

4.1 A WorldFirst customer may be eligible to receive the Voucher, provided that:

4.1.1 such person was not an existing WorldFirst customer and had not applied for a World Account prior to the start of the Promotion Period, and, during the Promotion Period, successfully registers for a World Account via the account registration clickable button displayed in the “Pay Chinese Suppliers” landing page on the WorldFirst Portal, and completes WorldFirst’s authentication and review process; or

4.1.2 such person is already an existing WorldFirst customer at the start of the Promotion Period, and has not conducted any USD payment transactions to a payee based in Mainland China or Hong Kong prior to the Promotion Period,

(the “Reward Criteria”).

4.2 The “Voucher” is a Voucher that may be used to apply an exclusive FX rate to cross-currency transfer transactions (i.e., a transfer where the customer elects a different currency for the sending and receiving currencies) carried out by the eligible WorldFirst customer through the WorldFirst Portal, where such transfer(s) meet the following conditions:

4.2.1 AUD-USD transfer(s) (i.e. a transfer where the customer elects AUD as sending currency and USD as receiving currency);

4.2.2 made to one (1) single payee located in China or Hong Kong; and

4.2.3 such transfer is not an unfunded spot transaction or scheduled transfer.

(collectively, the “Eligible Transaction”).

4.3 The Voucher may only be used in the following manner:

4.3.1 The Coupon may only be applied to Eligible Transactions and becomes invalid after redemption.

4.3.2 The Voucher is subject to availability and valid for a period of sixty (60) days from the date of issuance. For those newly registered WorldFirst customers pursuant to clause 1.1, the end of the Promotion Period will not affect the Voucher’s sixty-day validity period (up to 29 January 2026).

4.3.3 The Voucher may only be used by eligible WorldFirst customers.

4.3.4 The Voucher is not transferable or exchangeable for cash, credit, products, or privileges or other benefits or payments in kind, whether in full or in part, and is not refundable or replaceable.

4.3.5 The Voucher is not available for use on mobile applications and may only be redeemed via computer (PC).

4.3.6 The Voucher cannot be used in conjunction with other discounts or promotions, unless otherwise stated.

4.4 The Voucher will automatically be applied to the WorldFirst customers who meet the Reward Criteria.

4.5 Should WorldFirst determine, in its sole discretion, that a WorldFirst customer is not eligible to receive the Voucher or to participate in the Promotion for any reason (including but not limited to a breach of these Terms and Conditions or any applicable laws or regulations, improper use of any information relating to the Promotion, fraud, attempted fraud, or any other illegal or illegitimate activity), or where WorldFirst has knowledge of subsequent events which would mean that the WorldFirst customer would not have been entitled to receive the Voucher (including but not limited to where the transactions of such WorldFirst customer were reversed or refunded), WorldFirst has the right to disqualify such WorldFirst customer and shall not be liable to any such WorldFirst customer. WorldFirst further reserves the right to claw back the value of the Voucher or to deduct the value of the Voucher from the WorldFirst customer’s World Account(s).

5. Further Terms

5.1 WorldFirst reserves the right to, in its sole discretion, determine and/or decide all matters relating to or arising in connection with the Promotion. Any such determination and/or decision will be final and binding.

5.2 To the extent permitted by applicable law, WorldFirst reserves the right to amend the terms of the Promotion, and/or to suspend or cancel the Promotion at any time, without liability to any party. WorldFirst also reserves the right to extend the Promotion Period in its discretion and these Terms and Conditions shall apply to any such extended Promotion Period. Any amendments to the Promotion will be published on the Promotion webpage and/or notified to participants in an appropriate manner. Following any change or amendment to these Terms and Conditions, your continued participation in the Promotion constitutes your acceptance of the amended Terms and Conditions and the Promotion in force at that time.

5.3 The FX rate that WorldFirst provides for transactions must comply with applicable laws and regulations. Therefore, WorldFirst cannot guarantee that any FX rate finally provided will reflect the discount range described in the Promotion.

5.4 Each opening of a World Account and each FX transaction is subject to WorldFirst’s standard compliance and due diligence requirements.

5.5 Each participant in the Promotion warrants that:

5.5.1 it is legally able to participate in the Promotion according to the laws and regulations applicable to it, and that it is fully authorised to do so;

5.5.2 to the best of its knowledge, all information disclosed by it to WorldFirst is complete, true and accurate;

5.5.3 it consents to participate in the Promotion in the capacity of participant;

5.5.4 it consents to the use and sharing of its personal data by WorldFirst in accordance with WorldFirst’s Privacy Policy and applicable laws, and the sharing of its personal data between WorldFirst, for the purposes of the Promotion; and

5.5.5 it will not use the Promotion in any way that WorldFirst (in its sole and absolute discretion) considers to be unreasonable, unethical, excessive, or in bad faith; or in any way that breaches any applicable local, national, or international law or regulation, or that is in any way unlawful, fraudulent, or wrongful, or has any unlawful, fraudulent, or wrongful purpose or effect.

5.6 Persons participating in the Promotion shall bear all expenses arising from and/or in connection with participating in the Promotion.

5.7 Severability: Any clauses in these Terms and Conditions determined by any court or other competent authority to be unlawful and/or unenforceable will be treated as severed from these Terms and Conditions and will not invalidate other clauses of these Terms and Conditions, which will continue in full effect.

5.8 Third Party Rights: These Terms and Conditions are made for the benefit of participants of the Promotion, and are not intended to benefit any third party or be enforceable by any third party.

5.9 WorldFirst reserves the right, at its sole discretion, to refuse a claim in connection with the Promotion, if it has reasonable grounds to believe that any relevant participant has:

5.9.1 breached these Terms and Conditions;

5.9.2 misused WorldFirst’s intellectual property rights including trademarks and/or materials;

5.9.3 made any misrepresentations (negligently or fraudulently);

5.9.4 abused the Promotion; and/or

5.9.5 engaged in any illegal or criminal activity including fraud in connection with the Promotion or any application for WorldFirst services.

5.10 The World Account Terms shall apply to existing WorldFirst customers and are to be read together with these Terms and Conditions. Please refer to the World Account Terms for further information. In the event of any conflict or inconsistency between these Terms and Conditions and any of the World Account Terms, these Terms and Conditions shall prevail only to the extent of matters relating to the Promotion. In the event of any conflict or inconsistency between these Terms and Conditions and any terms set out in any marketing materials prepared for the Promotion, these Terms and Conditions shall prevail. While all information provided herein is believed to be correct and reliable at the time of printing or publishing or posting online, WorldFirst makes no representation or warranty whether expressed or implied, and accepts no responsibility or reliability for its completeness or accuracy.

5.11 To the fullest extent permitted by applicable law, under no circumstances will WorldFirst or any of its affiliates be liable under any theory of tort, contract, strict liability or other legal or equitable theory for lost profits, indirect, incidental, special, consequential, exemplary, or punitive damages, each of which is excluded by agreement of WorldFirst and you regardless of whether such damages were foreseeable or whether WorldFirst or any person has been advised of the possibility of such damages. Notwithstanding anything in these Terms to the contrary, WorldFirst’s cumulative liability, including for claims, expenses, damages or indemnity obligations under or in connection with its obligations under these terms and conditions, will not exceed USD$500,000. In no event shall WorldFirst, its affiliates, agents, representatives, directors, officers, or employees be liable for any act or omission resulting from circumstance beyond their reasonable control. To the fullest extent permitted by applicable law, you hereby waive any and all rights to bring any claim or action related to this Promotion beyond one (1) year from the first occurrence of the act, event, condition or omission on which such claim or action is based.

5.12 Governing law and dispute resolution: These Terms and Conditions shall be governed by and construed in accordance with the laws of New South Wales, Australia. Any dispute, controversy or claim arising out of, relating to or in connection with these Terms and Conditions and/or the Promotion, including any question regarding its existence, validity or termination, shall be resolved by arbitration in accordance with the Australian Center for International Commercial Arbitration (ACICA) Arbitration Rules. The seat of arbitration shall be Sydney, Australia. The language of the arbitration shall be English. The number of arbitrators shall be one.

5.13 For any questions, please call us on 1800 744 777 (In Australia), 0800 666 114 (In New Zealand), +61 2 8298 4990 (Outside Australia) (lines are open 8 am until 6 pm Monday to Thursday and 8 am until 5.30 pm Friday, AEST/AEDT time).