Before the first spin, the bonus remains unknown
96.53% means that over a very long run, about A$96.53 comes back for every A$100 staked. It says nothing about when Free Spins will start. How often the bonus round comes is not known in advance. Five or more MONEY symbols landing together can happen on the first spin or not at all, and one session stays random whatever the RTP.
96.53% is the only RTP listed for Treasure Wild. The RTP version in play is shown only in the game rules inside the lobby, so read those rules before you play. This page does not replace them, and the rules name the exact version you will play.
x4,500 is the highest multiple of the bet this game can pay, so it is a ceiling and not a target. The maximum win is reached very rarely, and no session can be planned around it. If a Free Spins round reaches that cap, the round ends early at that point.