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            On behalf of the Directors and staff at W&amp;D Finance, I want to thank you for your trust and support throughout the year. ͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;
        
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    <a class="brand-logo-link" href="https://www.wdfinance.com.au/" style="color:#014c40 !important;"><img class="brand-logo" src="https://images.squarespace-cdn.com/content/64e45031a31d7b4a938def1f/2f3cba14-c3d2-4db8-9e04-06e3348763ab/WD.png?content-type=image%2Fpng&amp;format=750w" height="110" alt="W&amp;D Finance " style="font-size:.6630127298444131em;display:block;border:0;text-decoration:none;line-height:0;font-weight:normal;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;color:#000;height:auto;max-height:110px;max-width:100%;width:auto;"></a>
    
  

      
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<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="text-section section-content">
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    <td valign="top" class="section-text-area section-content-cell padding-mobile-both" style="padding-top:8px;padding-right:66px;padding-bottom:8px;padding-left:66px;color:#313131;background-color:transparent;">
      <p class="" style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">On behalf of the Directors and staff at W&amp;D Finance, I want to thank you for your trust and support throughout the year. </p><p class="" style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">As the holiday season gives us a moment to reflect we are proud to share that W&amp;D Finance achieved a strong performance this year. With investor funds growing by ten per cent on the previous year, the company is in a healthy financial position as we head into 2025.</p><p class="" style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">W&amp;D has continued to support the Ballarat community through donations and the sponsorship of local charities, organisations and sporting clubs. We are excited to maintain these partnerships and make a meaningful impact in our community in the year ahead.</p><p class="" style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">In 2025 our focus remains on delivering exceptional service and competitive non-bank rates for our investors and borrowers. </p><p class="" style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">We wish you and your loved ones a Merry Christmas and a new year filled with growth and success.</p><p class="" style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">Phil Cunningham, Managing Director</p><p class="" style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;height:1.618em;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;"></p>
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      <p class="" style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;"><strong>Our 27th prospectus is now available. It contains important information about our operations and the terms and conditions for the issue of our debentures. You can download it </strong><a href="https://www.wdfinance.com.au/prospectus-27" rel="nofollow" style="color:#014c40 !important;"><strong>here</strong></a><strong>, or pop into the office to pick up a hardcopy.</strong></p>
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    <td valign="top" class="section-text-area section-content-cell padding-mobile-both" style="padding-top:8px;padding-right:66px;padding-bottom:8px;padding-left:66px;color:#313131;background-color:transparent;">
      <p class="" style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;"><em>Winner of the Albert Coates Memorial Scholarship: Biomedical Science, William Gilbert talking to guests after the oration. Image courtesy of Elizabeth Trugeon.</em></p>
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      <p class="" style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">On November 20, W&amp;D Finance directors Bob Whitcher, Neale Gribble and Andrew Baird attended the 2024&nbsp;Coates Oration and dinner at Federation University. W&amp;D Finance sponsor the&nbsp;<a href="https://www.albertcoates.com.au" rel="nofollow" style="color:#014c40 !important;">Albert Coates Memorial Trust</a> Scholarship: Biomedical Science which was presented on the night. This year it was awarded to William Gilbert, a second year student studying at Federation University, Mount Helen Campus. &nbsp;&nbsp;</p><p class="" style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">On receiving his award William said, “I chose this area of study as I’ve always been interested in all fields of science and health since I was a child, and how it plays a part in all aspects of our lives. This scholarship will act as a boost of support for my studies… allowing me to maintain my passion of science with less stress while completing my degree.”</p><p class="" style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">Neale Gribble, who attended the evening said, “W&amp;D Finance is honoured to sponsor the Albert Coates Scholarship for Biomedical Science. We recognise the importance of supporting an initiative that invests in future health professionals who understand the unique needs of our regional and rural communities. Our congratulations go to William, his dedication and passion for&nbsp;the field of health science makes him a deserving recipient of this year’s prize.”&nbsp;</p><p class="" style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">W&amp;D Finance is incredibly proud to have a 15 year association with the Albert Coates Memorial Trust and in that time has supported over 25 Federation University students. We look forward to continuing to support the program in the years ahead.</p><p class="" style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">To read more about the life of Sir Albert Coates head to our <a href="https://www.wdfinance.com.au/community/2024-albert-coates-oration-9g7bh" rel="nofollow" style="color:#014c40 !important;">blog</a>.</p>
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    <td valign="top" class="section-text-area section-content-cell padding-mobile-both" style="padding-top:8px;padding-right:66px;padding-bottom:8px;padding-left:66px;color:#313131;background-color:#eff0f1;">
      <p style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;text-align:justify;white-space:normal !important;" class="">On Thursday, November 21, Phil Cunningham, Paul Burke, Steven Coltman and Danny Quinlan headed to 13th Beach Golf Links to represent W&amp;D Finance at the Adroit Insurance &amp; Risk Charity Golf Day. From all reports, only Danny Quinlan's exceptional performance prevented the team from finishing last! </p><p style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;text-align:justify;white-space:normal !important;margin-top:0px;margin-bottom:0px;" class="">Most importantly, $110,715 was raised on the day. $75,000 was awarded to <a href="https://empowermentchallenge.org.au" rel="nofollow" style="color:#014c40 !important;">Empowerment Challenge</a>, a Geelong-based organisation dedicated to supporting young mothers. The grant will fund a new van for the program, enhancing accessibility to services that promote mental health, well-being, mentorship and community connection. The remaining funds went to the <a href="https://www.geelongfoundation.org" rel="nofollow" style="color:#014c40 !important;">Geelong Community Foundation</a>.</p>
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    <td valign="top" class="section-text-area section-content-cell padding-mobile-both" style="padding-top:8px;padding-right:66px;padding-bottom:8px;padding-left:66px;color:#313131;background-color:#eff0f1;">
      <p style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;margin-top:16px;margin-bottom:16px;" class="">Looking for a fun, family-friendly way to kick off the New Year? Glenlyon Mixed Sports Day, is the perfect event. Visit the Glenlyon Recreation Reserve on January 1st for a day filled with events like wood chopping, gumboot throwing, bull-boar eating and the world mineral water drinking championship!&nbsp;</p><p style="color:inherit;font-size:.9375em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;margin-top:16px;margin-bottom:16px;" class="">Since 1857, this annual tradition has brought the community together to celebrate the start of the year. All proceeds support local charities and organisations. Bring the family for a memorable day of fun. Head to the <a href="https://www.facebook.com/profile.php?id=100063495097435" rel="nofollow" style="color:#014c40 !important;">Facebook page</a> to find out more. W&amp;D Finance is proud to sponsor this fantastic community event.&nbsp;</p>
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