Terms and Conditions These Terms and Conditions apply in relation to Your attendance and participation at AFG Next to be held in Cairns, Australia from 28 - 31 October 2025 (inclusive). 1. Definitions The meanings of the defined terms used in these Terms and Conditions are set out below. • Accompanying Person means any person accompanying You to the conference. • Accommodation means the hotel specified in your registration or such other hotel arranged by the Conference Organisers and advised to You. • Accommodation Dates means the nights of 28, 29 & 30 October 2025 with check-in and check-out times set by the hotel specified in your registration. • AFG means Australian Finance Group Ltd ACN 066 385 822. • Australian Consumer Law means Schedule 2 to the Competition and Consumer Act 2010 and the corresponding provisions of any applicable state or territory laws. • Conference Organisers means AFG and TRIBE collectively. • Conference means AFG Next held in Cairns from 28 - 31 October 2025 (inclusive). • Claim means any action, suit, claim, proceeding or demand of any nature whatsoever. • TRIBE means, Tribe Travel & Events Pty Ltd (trading as TRIBE Management), ABN 52 620 641 812. • Loss means any claim, action, damage, loss, liability, cost, charge or expense suffered or incurred, whether direct, indirect or consequential and whether arising in contract, tort (including negligence), statute or otherwise. • Registration Fees means the fees payable with respect to the conference (if any). • Terms and Conditions means these terms and conditions. • You/Your means the person who agrees to these Terms and Conditions and, except for the definition of Accompanying Person, includes any Accompanying Person. 2. Limitation of liability and release 2.1 You may have certain rights under the Australian Consumer Law or other applicable law that cannot be lawfully excluded or limited (Consumer Rights). Nothing in these Terms and Conditions applies to the extent that it is inconsistent with Your Consumer Rights. 2.2 To the extent lawfully permitted, the Conference Organisers and their directors, officers, employees, agents and contractors, are not liable to You for any Loss arising from or in any way connected with, the Conference. 2.3 To the extent lawfully permitted, You release and forever discharge the Conference Organisers and their directors, officers, employees, agents and contractors from all Claims which You may otherwise have for Loss to property (including but not limited to personal property or belongings) and bodily injury or death however caused, including (without limitation) if caused by negligence or otherwise, arising from or in any way connected with, the Conference. 3. Indemnity To the extent lawfully permitted, You indemnify and agree to hold harmless the Conference Organisers and their directors, officers, employees, agents and contractors, in respect of any Claim or Loss by any person including, without limitation, You, an Accompanying Person or another Conference attendee, arising as a result of or in any way connected with Your and/or any Accompanying Person's attendance or actions at the Conference. 4. Conference Changes The Conference Organisers reserve the right to change any part, feature or aspect of the Conference and will notify You of any significant changes. 5. Supply of Your name and email address to lender sponsor partners You agree that Your name and email address will be provided to the Conference sponsors (lenders) for the purpose of conference related communications. AFG’s Privacy Policy contains information about how You can access Your personal information and request corrections or complain. 6. Accommodation Accommodation will be provided for You for the Accommodation Dates. You must comply with all rules and requirements of the Accommodation (including, without limitation check-in and check-out times) and AFG has no responsibility or liability to provide you with any alternative accommodation. 7. Conference packages Your Conference registration specifies all included items. You must pay any fees or costs incurred with respect to any additional matters including, without limitation, accommodation, meals, beverages, mini-bar, hotel services and transportation. 8. Travel arrangements Except for Conference function and Conference session transfers which are specifically included in your Conference registration, You are solely responsible for your travel with respect to the Conference. You are also solely responsible for Your travel to and from the Conference including, without limitation, flights and transfers. 9. Cancellation and refund policy Cancellation requests relating to the Conference must be made in writing to both TRIBE and AFG. Please note the following cancellation policy. • Cancellations that occur before 23 September will receive a refund of all fees paid, less an administrative fee of $100. The refund will be paid either to the credit card or debit card originally used to pay the registration fee. • After 23 September, the registration fee is 100% non-refundable. This timeframe is based on when our final numbers are due to venues and suppliers. 10. Special requirements If You have any special dietary, cultural or health requirements or needs, You must inform the Conference Organisers at the time of registration. The Conference Organisers do not guarantee that special requests will be accommodated. 11. Photography and recording AFG may use photographs, audio, and/or video recordings of attendees at the event for purposes of promotion of this event or future events, publicity, and broker recruitment on behalf of AFG, via the Internet, print publications, and other media, including social media. Should an attendee NOT want to be photographed or recorded or have their name or biographical information used in connection with any such recording, they should remove themselves from areas in which photography and/or recording is taking place or notify the camera operator of that they do not agree to be photographed. Failure to do so may result in that attendee's inclusion in a photograph or recording and will be treated as consent for AFG to utilise that photograph or recording accordingly. 12. Appropriate attendee behaviour This event is being run by AFG, and we ask that as always, we all hold each other to account to act in a professional, honest, and fair manner. We also ask that you treat AFG staff, our suppliers and our hosts at the venues, with courtesy and respect. Any individual who displays inappropriate behaviour that does not meet community expectations will be asked to leave the event. 13. Governing Law This agreement is governed by the laws in force in the State of Western Australia and each party irrevocably and unconditionally submits to the exclusive jurisdiction of the Western Australian courts. 14. Inquiries All communications regarding registration for the Conference and these Terms and Conditions must be addressed to: TRIBE Events Level 2, 168 Greville Street Prahran Vic 3181 03 8578 3151 afgnext@tribe-group.com.au and Jenni Holmes AFG Level 4, 100 Havelock Street West Perth WA 6005 Telephone 08 9420 7868 jenni.holmes@afgonline.com.au AFG Next 2025 attendee agreement: This agreement is entered into between You, AFG and TRIBE. By ticking the box below, You declare, acknowledge and agree as follows: • I have read and understand the Terms and Conditions; • I will comply with and be bound by the Terms and Conditions; • I am authorised to respond on behalf of each Accompanying Person (if any); • Each Accompanying Person has read and understands the Terms and Conditions (if any); and • Each Accompanying Person agrees to comply with and be bound by the Terms and Conditions (if any).