<!doctype html>
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" lang="en-US" xml:lang="en-US">
  <head>
    <title data-ignore-plain-text>Spring is here and so is your September update from W&amp;amp;D Finance</title>
    <meta http-equiv="content-type" content="text/html; charset=utf-8">
    <meta name="viewport" content="width=device-width, initial-scale=1, maximum-scale=1">
    <meta name="format-detection" content="address=no">
    <!--[if (gte mso 9)|(IE)]>
    <style type="text/css" media="screen">
      li {
        text-indent: -1em;
      }
    </style>
    <![endif]-->
    <style type="text/css" media="all">
      body,
.section-text-area,
.section-text-area-wrapper,
.section-text-cell {
    overflow-wrap: break-word;
    word-wrap: break-word;
    -ms-word-break: break-all;
    word-break: break-word;
}
body {
    width: 100% !important;
    min-width: 100% !important;
    -ms-text-size-adjust: none;
    -webkit-text-size-adjust: none;
    mso-line-height-rule: exactly;
}
p {
    margin-block: 0;
}
@media only screen and (max-width:  593px ) {
    table#newsletter-table {
        border: 0 !important;
    }
    table#newsletter-email {
        width: 100% !important;
    }
    img.section-scaleable-image,
    img.section-empty-img {
        max-width: 100% !important;
        height: auto !important;
    }
    .bg-none {
        background: none !important;
    }
    .hauto {
        height: auto !important;
    }
    .show-desktop-only {
        display: none !important;
    }
    .show-mobile-only {
        display: block !important;
        float: none !important;
        line-height: auto !important;
        max-height: inherit !important;
        max-width: inherit !important;
        margin-top: 0px !important;
        overflow: visible !important;
        visibility: inherit !important;
        width: auto !important;
    }
    .stack-cell-wrap {
        display: block !important;
    }
    .stack-cell-up {
        display: table-header-group !important;
    }
    .stack-cell-down {
        display: table-footer-group !important;
    }
    .mw100p {
        max-width: 100% !important;
    }
    .section-horizontal-padding,
    .padding-mobile-both {
        padding-left: 22px !important;
        padding-right: 22px !important;
    }
    .padding-mobile-left {
        padding-left: 22px !important;
    }
    .padding-mobile-right {
        padding-right: 22px !important;
    }
    .text-left {
        text-align: left !important;
    }
    .text-right {
        text-align: right !important;
    }
    .w100p {
        width: 100% !important;
    }
}
.button-style-solid:hover,
.button-style-rounded:hover {
    opacity: .8 !important;
}
a:hover {
    text-decoration: none !important;
}
span.mail-merge-preview {
    border-bottom: 2px dotted currentColor;
    display: inline-block;
    line-height: 1em !important;
    margin-bottom: .125em !important;
}
table#newsletter-section-body .linked-site-title-link {
    color: #000 !important;
}
#header-header-section-stacked-top-0 .brand-name .linked-site-title-link {
    color: #000;
    text-decoration: none;
}
#footer-footer-section-stacked-top-0 .brand-name .linked-site-title-link {
    color: #000;
    text-decoration: none;
}
#footer-footer-section-stacked-top-0 .footer-text .linked-site-title-link {
    color: #000;
}
#button-button-section-17 .button-style-outline:hover {
    background-color: #014c40 !important;
    border: 1px solid #014c40 !important;
}
#button-button-section-17 .button-style-outline:hover .button-section-label {
    color: #fff !important;
}
#button-button-section-33 .button-style-outline:hover {
    background-color: #fff !important;
    border: 1px solid #fff !important;
}
#button-button-section-33 .button-style-outline:hover .button-section-label {
    color: #000 !important;
}

    </style>
    
    
    <!--[if mso]>
    <noscript>
      <xml>
        <o:OfficeDocumentSettings>
          <o:AllowPNG/>
          <o:PixelsPerInch>96</o:PixelsPerInch>
        </o:OfficeDocumentSettings>
      </xml>
    </noscript>
    <![endif]-->
    
    <!--[if (mso)|(mso 16)]>
      <style type="text/css">
        a {text-decoration: none;}
      </style>
    <![endif]-->
  </head>
  <body style="padding:0;margin:0;text-align:center;background-color:#fff;">
    <table role="article" aria-label="Spring is here and so is your September update from W&amp;amp;D Finance" lang="en-US" cellpadding="0" cellspacing="0" border="0" align="center" id="newsletter-table" style="font-size:16px;font-weight:normal;width:100%;padding:0px;background-color:#fff;border-top:44px solid #fff;border-bottom:44px solid #fff;margin:0 auto;text-align:center;table-layout:fixed;">
  <tbody><tr>
    <td align="center" valign="top" bgcolor="#FFFFFF" id="newsletter-cell" style="font-size:.9375em;">
      <div data-ignore-plain-text class="newsletter-preview-text" style="color:transparent;display:none !important;height:0;max-height:0;max-width:0;opacity:0;overflow:hidden;mso-hide:all;visibility:hidden;width:0;">
        
            
            Community news and W&amp;D Finance in the Western District   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏
        
      </div>
      <table border="0" cellpadding="0" cellspacing="0" width="594" bgcolor="#FFFFFF" id="newsletter-email">
        <tbody><tr>
          <td align="center" valign="top" id="newsletter-email-wrapper" class="wide-serif">
            <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" id="newsletter-section-header">
              <tbody><tr>
                <td align="center" valign="middle" id="newsletter-section-header-cell">
                  
<div id="header-header-section-stacked-top-0">





<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="section-content header-section header-section-stacked" style="background-color:transparent;">
  <tbody><tr>
    <td align="center" valign="middle" class="section-text-area section-content-cell" style="padding-top:20px;padding-right:22px;padding-bottom:24px;padding-left:22px;">
      
  
  
  
    
    <a class="brand-logo-link" href="https://www.wdfinance.com.au/" style="color:#000 !important;"><img class="brand-logo" src="https://images.squarespace-cdn.com/content/64e45031a31d7b4a938def1f/9eeb9e6a-bd5e-416e-8752-58a8c9e7b370/WDLogo-Landscape-CMYK.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>
    
  

      
    </td>
  </tr>
</tbody></table>

</div>
                </td>
              </tr>
            </tbody></table>
            <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" id="newsletter-section-body">
              <tbody><tr>
                <td align="center" valign="top" width="100%" id="newsletter-section-body-cell">
                  
<div id="spacer-spacer-section-0">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#EFF0F1" class="spacer-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" class="section-content-cell" height="22" style="height:22px;">
    </td>
  </tr>
</tbody></table>

</div>
<div id="image-image-section-below-1">
<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#EFF0F1" class="image-section below-layout section-content">

  

  
    <tbody><tr>
      <td>
        <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0">
          <tbody><tr>
              
    <td class="show-desktop-only section-spacing-left" width="44"></td>
  

            <td align="left" valign="middle" class="section-image-cell section-content-cell section-hoverable-image" data-aspect="ORIGINAL" style="padding:0;">
              
  <img class="section-scaleable-image" src="https://images.squarespace-cdn.com/content/v1/64e45031a31d7b4a938def1f/1757304329266-1PPECM8UR0VFDTBYH7L4/unsplash-image-7lvzopTxjOU.jpg?format=750w" width="594" alt="" style="font-size:.6630127298444131em;display:block;border:0;text-decoration:none;line-height:0;background-color:transparent;font-weight:normal;height:auto;width:100%;max-width:100%;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">


            </td>
              
    <td class="show-desktop-only section-spacing-right" width="44"></td>
  

          </tr>
        </tbody></table>
      </td>
    </tr>
    
  
  


</tbody></table>

</div>
<div id="spacer-spacer-section-2">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#EFF0F1" class="spacer-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" class="section-content-cell" height="22" style="height:22px;">
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-3">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#EFF0F1" class="text-section section-content">
  <tbody><tr>
    <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;">
      <h3 style="color:inherit;margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.8744337499999997em;mso-line-height-alt:1.8744337499999997em;margin-top:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:0em;">Welcome to W&amp;D Finance’s September newsletter.</h3><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;">Spring has arrived and with it comes the busiest period in the real estate calendar. Ballarat’s property market is finding its feet after a softer 2024, a sign of renewed activity across the region.</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;">It’s also our favourite time of year for another reason - AFL finals season! We’re looking forward to the weekend’s match and wish the very best to our readers who barrack for the Geelong Cats or the Brisbane Lions. </p>
    </td>
  </tr>
</tbody></table>

</div>
<div id="spacer-spacer-section-4">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#EFF0F1" class="spacer-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" class="section-content-cell" height="22" style="height:22px;">
    </td>
  </tr>
</tbody></table>

</div>
<div id="spacer-spacer-section-5">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="spacer-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" class="section-content-cell" height="22" style="height:22px;">
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-6">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="text-section section-content">
  <tbody><tr>
    <td valign="top" class="section-text-area section-content-cell padding-mobile-both" style="padding-top:14px;padding-right:66px;padding-bottom:0px;padding-left:66px;color:#313131;background-color:transparent;">
      <h3 style="color:inherit;margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.8744337499999997em;mso-line-height-alt:1.8744337499999997em;margin-top:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:0em;">Living in the Western District? W&amp;D Finance has you covered</h3><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’re delighted to welcome Hugh Macdonald to the W&amp;D Finance team. Hugh brings extensive financial knowledge and a genuine commitment to helping clients achieve their investment and lending goals. Based locally, he’s available to meet you in Hamilton, Warrnambool or Port Fairy to discuss how W&amp;D Finance can support your financial needs.</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;">Beyond his work in finance, Hugh is a farmer and passionate community leader. He serves as President of the Hamilton Racing Club, sits on the Foundation Board of the Hamilton and Alexandra College, and plays an active role in local initiatives. </p>
    </td>
  </tr>
</tbody></table>

</div>
<div id="spacer-spacer-section-7">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="spacer-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" class="section-content-cell" height="22" style="height:22px;">
    </td>
  </tr>
</tbody></table>

</div>
<div id="image-image-section-list-left-8">
<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" align="center" bgcolor="transparent" class="image-section list-left-layout section-content" style="width:100% !important;">

  

  
    <tbody><tr><td><table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" align="center" bgcolor="transparent" class="side-layout" style="width:100% !important;"><tbody><tr>

    

  <th class="stack-cell-wrap w100p section-image-cell section-content-cell section-hoverable-image" align="left" data-aspect="ORIGINAL" style="padding:0;width:33%;vertical-align:middle;font-weight:normal;">
    
  <img class="section-scaleable-image" src="https://images.squarespace-cdn.com/content/64e45031a31d7b4a938def1f/73a86f55-2d76-4b74-840e-67c57df46a2b/Untitled+design+%282%29.png?content-type=image%2Fpng&amp;format=750w" width="198" alt="" style="font-size:.6630127298444131em;display:block;border:0;text-decoration:none;line-height:0;background-color:transparent;font-weight:normal;height:auto;width:100%;max-width:100%;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">


  </th>
    

  <th class="stack-cell-wrap w100p section-text-area section-content-cell" align="left" style="color:#000;vertical-align:middle;font-weight:normal;">
    <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" align="center" class="side-layout" style="width:100% !important;"><tbody><tr><td class="section-text-cell" style="padding-top:22px;padding-right:22px;padding-bottom:22px;padding-left:22px;">
      <div class="section-caption-text" style="position:relative;"><h4 style="margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.3256249999999998em;mso-line-height-alt:1.3256249999999998em;margin-top:0;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:.02em;color:#313131;">Reach out to Hugh Macdonald <a href="mailto:hugh@wdfinance.com.au" rel="nofollow" style="color:#000 !important;">hugh@wdfinance.com.au</a> or <br>0418 339 951.</h4></div>
    </td></tr></tbody></table>
  </th>
    

</tr></tbody></table></td></tr>


  
  


</tbody></table>

</div>
<div id="spacer-spacer-section-9">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="spacer-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" class="section-content-cell" height="22" style="height:22px;">
    </td>
  </tr>
</tbody></table>

</div>
<div id="spacer-spacer-section-10">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#EFF0F1" class="spacer-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" class="section-content-cell" height="22" style="height:22px;">
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-11">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#EFF0F1" class="text-section section-content">
  <tbody><tr>
    <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:#014c40;background-color:#eff0f1;">
      <h2 style="color:inherit;margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:2.6504493224999996em;mso-line-height-alt:2.6504493224999996em;margin-top:0;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:-.01em;text-align:center;">Invest in what matters</h2>
    </td>
  </tr>
</tbody></table>

</div>
<div id="spacer-spacer-section-12">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#EFF0F1" class="spacer-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" class="section-content-cell" height="22" style="height:22px;">
    </td>
  </tr>
</tbody></table>

</div>
<div id="image-image-section-below-13">
<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#EFF0F1" class="image-section below-layout section-content">

  

  
    <tbody><tr>
      <td>
        <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0">
          <tbody><tr>
              
    <td class="show-desktop-only section-spacing-left" width="88"></td>
  

            <td align="left" valign="middle" class="section-image-cell section-content-cell section-hoverable-image" data-aspect="ORIGINAL" style="padding:0;">
              
  <img class="section-scaleable-image" src="https://images.squarespace-cdn.com/content/64e45031a31d7b4a938def1f/01efdf75-1db0-4f46-8fd5-7a3ffe308b05/WDF_Fishing+2.jpg?content-type=image%2Fjpeg&amp;format=750w" width="594" alt="" style="font-size:.6630127298444131em;display:block;border:0;text-decoration:none;line-height:0;background-color:transparent;font-weight:normal;height:auto;width:100%;max-width:100%;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">


            </td>
              
    <td class="show-desktop-only section-spacing-right" width="88"></td>
  

          </tr>
        </tbody></table>
      </td>
    </tr>
    
  
  


</tbody></table>

</div>
<div id="spacer-spacer-section-14">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#EFF0F1" class="spacer-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" class="section-content-cell" height="22" style="height:22px;">
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-15">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#EFF0F1" class="text-section section-content">
  <tbody><tr>
    <td valign="top" class="section-text-area section-content-cell" style="padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:2px;color:#014c40;background-color:#eff0f1;">
      <h2 style="color:inherit;margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:2.6504493224999996em;mso-line-height-alt:2.6504493224999996em;margin-top:0;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:-.01em;text-align:center;"><strong>5.25%</strong></h2>
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-16">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#EFF0F1" class="text-section section-content">
  <tbody><tr>
    <td valign="top" class="section-text-area section-content-cell padding-mobile-both" style="padding-top:6px;padding-right:44px;padding-bottom:7px;padding-left:44px;color:#014c40;background-color:#eff0f1;">
      <h3 style="color:inherit;margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.8744337499999997em;mso-line-height-alt:1.8744337499999997em;margin-top:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:0em;text-align:center;">12 months fixed term investment</h3><p 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;text-align:center;" class="">Contact us to learn more about all our accounts.<br>T&amp;Cs apply. Interest paid monthly, quarterly or on maturity. </p>
    </td>
  </tr>
</tbody></table>

</div>
<div id="button-button-section-17">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#EFF0F1" class="button-section section-content" style="width:100%;background-color:#eff0f1;">
  <tbody><tr>
    <td align="center" valign="middle" class="section-content-cell section-text-area" style="padding-top:17px;padding-right:22px;padding-bottom:22px;padding-left:22px;">
      
      <a href="https://www.wdfinance.com.au/invest" class="button-section-box button-style-solid" style="color:#000 !important;display:inline-block;line-height:11px;margin:0;mso-padding-alt:0;text-align:center;text-decoration:none;transition:.15s;width:auto;background-color:#014c40;border:0;padding:17px 0;"><i class="button-section-mso" style="letter-spacing:29.92px;mso-font-width:-100%;mso-text-raise:26.950000000000003px;">&nbsp;</i><span class="button-section-label" style="line-height:inherit;margin:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;font-weight:700;color:#efefef;display:inline-block;font-size:11px;min-width:1px;mso-text-raise:15.95px;"><span data-letter-spacing="3" style="font-size:inherit;font-weight:inherit;line-height:inherit;margin:0;letter-spacing:0.2em;">View our Investment Accounts</span></span><i class="button-section-mso" style="letter-spacing:29.92px;mso-font-width:-100%;mso-text-raise:26.950000000000003px;">&nbsp;</i></a>
    </td>
  </tr>
</tbody></table>

</div>
<div id="spacer-spacer-section-18">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#EFF0F1" class="spacer-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" class="section-content-cell" height="22" style="height:22px;">
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-19">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#FFFFFF" class="text-section section-content">
  <tbody><tr>
    <td valign="top" class="section-text-area section-content-cell padding-mobile-both" style="padding-top:29px;padding-right:44px;padding-bottom:27px;padding-left:66px;color:#313131;background-color:#fff;">
      <h2 style="color:inherit;margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:2.6504493224999996em;mso-line-height-alt:2.6504493224999996em;margin-top:0;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:-.01em;">W&amp;D in the community</h2>
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-20">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#FFFFFF" class="text-section section-content">
  <tbody><tr>
    <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:#fff;">
      <h3 style="color:inherit;margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.8744337499999997em;mso-line-height-alt:1.8744337499999997em;margin-top:0;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:0em;">Celebrating 40 years of Ballarat Hospice Care&nbsp;</h3>
    </td>
  </tr>
</tbody></table>

</div>
<div id="image-image-section-below-21">
<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#FFFFFF" class="image-section below-layout section-content">

  

  
    <tbody><tr>
      <td>
        <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0">
          <tbody><tr>
              
    <td class="show-desktop-only section-spacing-left" width="88"></td>
  

            <td align="left" valign="middle" class="section-image-cell section-content-cell section-hoverable-image" data-aspect="ORIGINAL" style="padding:0;">
              
  <img class="section-scaleable-image" src="https://images.squarespace-cdn.com/content/64e45031a31d7b4a938def1f/05be0118-5df6-4003-b056-622e7080d23c/523814359_1227884206051869_3767173969749152629_n.jpg?content-type=image%2Fjpeg&amp;format=750w" width="594" alt="" style="font-size:.6630127298444131em;display:block;border:0;text-decoration:none;line-height:0;background-color:transparent;font-weight:normal;height:auto;width:100%;max-width:100%;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">


            </td>
              
    <td class="show-desktop-only section-spacing-right" width="88"></td>
  

          </tr>
        </tbody></table>
      </td>
    </tr>
    
  
  


</tbody></table>

</div>
<div id="text-text-section-22">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#FFFFFF" class="text-section section-content">
  <tbody><tr>
    <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:#fff;">
      <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;">In August, Ballarat Hospice Care celebrated 40 years of providing specialist palliative and end-of-life care across our community – a remarkable achievement.&nbsp;</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;">W&amp;D Finance is proud to support Ballarat Hospice Care and the incredible impact it has had on local families over the past four decades. As part of our commitment, we recently donated $10,000 to help continue their vital work in our community. To learn more or to make a donation, visit <a href="https://ballarathospicecare.org.au" rel="nofollow" style="color:#000 !important;">ballarathospicecare.org.au</a>. <br></p>
    </td>
  </tr>
</tbody></table>

</div>
<div id="image-image-section-below-23">
<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#FFFFFF" class="image-section below-layout section-content">

  

  
    <tbody><tr>
      <td>
        <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0">
          <tbody><tr>
              
    <td class="show-desktop-only section-spacing-left" width="88"></td>
  

            <td align="left" valign="middle" class="section-image-cell section-content-cell section-hoverable-image" data-aspect="ORIGINAL" style="padding:0;">
              
  <img class="section-scaleable-image" src="https://images.squarespace-cdn.com/content/64e45031a31d7b4a938def1f/3c1994c3-ec78-4b04-b43f-6c5b915a6dfa/536275898_1249943560512600_7762484266708707095_n.jpg?content-type=image%2Fjpeg&amp;format=750w" width="594" alt="" style="font-size:.6630127298444131em;display:block;border:0;text-decoration:none;line-height:0;background-color:transparent;font-weight:normal;height:auto;width:100%;max-width:100%;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">


            </td>
              
    <td class="show-desktop-only section-spacing-right" width="88"></td>
  

          </tr>
        </tbody></table>
      </td>
    </tr>
    
  
  


</tbody></table>

</div>
<div id="spacer-spacer-section-24">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#FFFFFF" class="spacer-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" class="section-content-cell" height="22" style="height:22px;">
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-25">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#FFFFFF" class="text-section section-content">
  <tbody><tr>
    <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:#fff;">
      <h3 style="color:inherit;margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.8744337499999997em;mso-line-height-alt:1.8744337499999997em;margin-top:0;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:0em;">Backing men’s health in Ballarat&nbsp;</h3>
    </td>
  </tr>
</tbody></table>

</div>
<div id="spacer-spacer-section-26">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#FFFFFF" class="spacer-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" class="section-content-cell" height="22" style="height:22px;">
    </td>
  </tr>
</tbody></table>

</div>
<div id="image-image-section-below-27">
<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#FFFFFF" class="image-section below-layout section-content">

  

  
    <tbody><tr>
      <td>
        <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0">
          <tbody><tr>
              
    <td class="show-desktop-only section-spacing-left" width="88"></td>
  

            <td align="left" valign="middle" class="section-image-cell section-content-cell section-hoverable-image" data-aspect="ORIGINAL" style="padding:0;">
              
  <img class="section-scaleable-image" src="https://images.squarespace-cdn.com/content/64e45031a31d7b4a938def1f/74d74c67-a4d4-453d-a236-3a31b0cb83e5/475755303_941158504836930_795844637821687332_n.jpg?content-type=image%2Fjpeg&amp;format=750w" width="594" alt="" style="font-size:.6630127298444131em;display:block;border:0;text-decoration:none;line-height:0;background-color:transparent;font-weight:normal;height:auto;width:100%;max-width:100%;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">


            </td>
              
    <td class="show-desktop-only section-spacing-right" width="88"></td>
  

          </tr>
        </tbody></table>
      </td>
    </tr>
    
  
  


</tbody></table>

</div>
<div id="text-text-section-28">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#FFFFFF" class="text-section section-content">
  <tbody><tr>
    <td valign="top" class="section-text-area section-content-cell padding-mobile-both" style="padding-top:24px;padding-right:45px;padding-bottom:21px;padding-left:66px;color:#000;background-color:#fff;">
      <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:0px;margin-bottom:10.6667px;" class="">What a day! The W&amp;D team joined hundreds at <a href="https://biggesteverblokeslunchballarat.com" rel="nofollow" style="color:#000 !important;">Ballarat’s Biggest Ever Blokes’ Lunch</a> to show support for men’s health and prostate cancer research.&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:0px;margin-bottom:10.6667px;" class="">Winter Olympic gold medallist Stephen Bradbury headlined the lunch. It was a privilege to hear him relive that unforgettable moment and share his story of perseverance and success against the odds. His keynote added to a memorable day that highlighted the importance of conversations about men’s health.&nbsp;&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:0px;margin-bottom:10.6667px;" class="">We’re proud to have been part of the event and thank the organisers who made it possible.&nbsp;&nbsp;</p>
    </td>
  </tr>
</tbody></table>

</div>
<div id="image-image-section-below-29">
<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#FFFFFF" class="image-section below-layout section-content">

  

  
    <tbody><tr>
      <td>
        <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0">
          <tbody><tr>
              
    <td class="show-desktop-only section-spacing-left" width="44"></td>
  

            <td align="left" valign="middle" class="section-image-cell section-content-cell section-hoverable-image" data-aspect="ORIGINAL" style="padding:0;">
              
  <img class="section-scaleable-image" src="https://images.squarespace-cdn.com/content/64e45031a31d7b4a938def1f/9e0d1806-10c0-4ad3-97a6-8a7f57258597/image002+%281%29.png?content-type=image%2Fpng&amp;format=750w" width="594" alt="" style="font-size:.6630127298444131em;display:block;border:0;text-decoration:none;line-height:0;background-color:transparent;font-weight:normal;height:auto;width:100%;max-width:100%;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">


            </td>
              
    <td class="show-desktop-only section-spacing-right" width="44"></td>
  

          </tr>
        </tbody></table>
      </td>
    </tr>
    
  
      
    <tr>
      <td class="spacing-between-rows" height="44"></td>
    </tr>
  

  
    <tr>
      <td>
        <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0">
          <tbody><tr>
              
    <td class="show-desktop-only section-spacing-left" width="44"></td>
  

            <td align="left" valign="middle" class="section-image-cell section-content-cell section-hoverable-image" data-aspect="ORIGINAL" style="padding:0;">
              
  <img class="section-scaleable-image" src="https://images.squarespace-cdn.com/content/64e45031a31d7b4a938def1f/a4094c1b-a728-4988-aa09-54b705673101/image003.png?content-type=image%2Fpng&amp;format=750w" width="594" alt="" style="font-size:.6630127298444131em;display:block;border:0;text-decoration:none;line-height:0;background-color:transparent;font-weight:normal;height:auto;width:100%;max-width:100%;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;">


            </td>
              
    <td class="show-desktop-only section-spacing-right" width="44"></td>
  

          </tr>
        </tbody></table>
      </td>
    </tr>
    
  
  


</tbody></table>

</div>
<div id="spacer-spacer-section-30">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#FFFFFF" class="spacer-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" class="section-content-cell" height="22" style="height:22px;">
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-31">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#EFF0F1" class="text-section section-content">
  <tbody><tr>
    <td valign="top" class="section-text-area section-content-cell padding-mobile-both" style="padding-top:30px;padding-right:44px;padding-bottom:44px;padding-left:66px;color:#000;background-color:#eff0f1;">
      <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 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:#000 !important;"><strong>here</strong></a><strong>, or pop into the office to pick up a hardcopy.</strong></p>
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-32">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#014C40" class="text-section section-content">
  <tbody><tr>
    <td valign="top" class="section-text-area section-content-cell padding-mobile-both" style="padding-top:23px;padding-right:44px;padding-bottom:30px;padding-left:66px;color:#fff;background-color:#014c40;">
      <h3 style="color:inherit;margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.8744337499999997em;mso-line-height-alt:1.8744337499999997em;margin-top:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;letter-spacing:0em;">Loans</h3><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 offer a range of mortgage loan products with competitive interest rates, head to our website to see our latest loan offers. &nbsp;</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;">And remember, <strong>we’re not a bank</strong>, we are your financial partner. This means you are able to <strong>talk directly to our decision-makers</strong>, giving you a <strong>tailored financial solution</strong> and a <strong>faster turn-around</strong>. </p>
    </td>
  </tr>
</tbody></table>

</div>
<div id="button-button-section-33">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#014C40" class="button-section section-content" style="width:100%;background-color:#014c40;">
  <tbody><tr>
    <td align="center" valign="middle" class="section-content-cell section-text-area" style="padding-top:22px;padding-right:22px;padding-bottom:22px;padding-left:22px;">
      
      <a href="https://www.wdfinance.com.au/loans" class="button-section-box button-style-solid" style="color:#000 !important;display:inline-block;line-height:11px;margin:0;mso-padding-alt:0;text-align:center;text-decoration:none;transition:.15s;width:auto;background-color:#fff;border:0;padding:17px 0;"><i class="button-section-mso" style="letter-spacing:29.92px;mso-font-width:-100%;mso-text-raise:26.950000000000003px;">&nbsp;</i><span class="button-section-label" style="line-height:inherit;margin:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;font-weight:700;color:#000;display:inline-block;font-size:11px;min-width:1px;mso-text-raise:15.95px;"><span data-letter-spacing="3" style="font-size:inherit;font-weight:inherit;line-height:inherit;margin:0;letter-spacing:0.2em;">View Loan Products</span></span><i class="button-section-mso" style="letter-spacing:29.92px;mso-font-width:-100%;mso-text-raise:26.950000000000003px;">&nbsp;</i></a>
    </td>
  </tr>
</tbody></table>

</div>
                </td>
              </tr>
            </tbody></table>
            
              <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" id="newsletter-section-footer">
                <tbody><tr>
                  <td align="center" valign="top" id="newsletter-section-footer-cell">
                    
<div id="footer-footer-section-stacked-top-0">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#FFFFFF" class="footer-section footer-section-stacked section-content" style="background-color:#fff;">
  <tbody><tr>
    <td align="center" valign="top" class="section-text-area section-content-cell" style="padding-top:40px;padding-right:22px;padding-bottom:22px;padding-left:22px;">
      
  <p class="brand-name" style="line-height:1.618em;font-weight:normal;margin-top:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;color:#000;margin-bottom:13.75px;font-size:11px;mso-line-height-alt:11px;white-space:pre-wrap;margin:0 0 13.75px 0;padding:0;">Webster Dolilta Finance Limited. Australian Financial Services Licence No: 234971</p>
  
  

      

      
      
  
    <p class="footer-company-info" style="line-height:1.618em;font-weight:normal;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;color:#111;font-size:11px;margin:0 0 13.75px 0;padding:0;">
  <a style="color:#111;text-decoration:none;font-size:inherit;font-family:inherit;font-weight:inherit;line-height:inherit;cursor:default;">W&amp;D Finance, 
  44 Armstrong Street South, 
  Ballarat , 
  Australia</a>
</p>
  

      
<p class="footer-links" style="line-height:1.618em;font-weight:normal;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;font-size:11px;color:#313131;margin:0 0 13.75px 0;padding:0;">
  Powered by <a href="https://www.squarespace.com?channel=product_refer&amp;subchannel=customer&amp;source=email_campaigns_button&amp;campaign=64e45031a31d7b4a938def1f&amp;utm_medium=product_refer&amp;utm_source=email_campaigns_button" class="sqsp-link" style="color:#313131;text-decoration:underline;display:inline-block;">Squarespace</a>
</p>


      <p class="footer-links" style="line-height:1.618em;font-weight:normal;margin-bottom:0;font-family:'Lucida Bright', 'DejaVu Serif', 'Bitstream Vera Serif', 'Liberation Serif', Georgia, serif;font-size:11px;color:#313131;margin:0 0 13.75px 0;padding:0;">
  <a href="#" class="unsubscribe-link" style="color:#313131;text-decoration:underline;">
    <span class="unsubscribe-link-text" style="font-size:inherit;font-weight:inherit;line-height:inherit;margin:0;">Unsubscribe</span>
  </a>
</p>

    </td>
  </tr>
</tbody></table>

</div>
                  </td>
                </tr>
              </tbody></table>
            
          </td>
        </tr>
      </tbody></table>
    </td>
  </tr>
</tbody></table>

  
</body></html>
