Unpredictable results in one session
Each spin lands a new set of symbols on the 5x4 grid, and nothing on the reels shows when the Free Spins will start. How often that trigger comes is not known in advance. The result of one session is random, whatever the RTP of the version you play.
Each spin on the 5x4 grid pays out under one RTP version, and the version this game runs is shown only in the game rules. Open those rules before you start, so you know which return applies to your session. The rules are the only place where that figure appears.
A Free Spins round can add retriggers and collect the Money symbols, yet the round win stops at a fixed multiple of the bet. That multiple is the maximum win, and reaching it is very rare. Treat the ceiling as a limit on the prize, not a figure to expect.