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            Hello, and welcome to our April newsletter.   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏   ͏
        
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    <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/0b77a951-1791-4054-a3c6-e22d188f226e/WDLogo-Landscape-CMYKEASTER.jpg?content-type=image%2Fjpeg&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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      <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:justify;white-space:normal !important;">Wishing you a Happy Easter!</h3><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;" class="">Hello, and welcome to our April newsletter.</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;" class="">The Directors and staff at W&amp;D Finance would like to wish you a safe, happy and relaxing Easter long weekend. Our offices will be closed on Good Friday, Easter Monday and ANZAC Day.</p><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:justify;white-space:normal !important;" class="">W&amp;D Finance’s Prospectus No. 27 is available to view. If you would like to read or download it, <a href="https://www.wdfinance.com.au/prospectus-27" rel="nofollow" style="color:#000 !important;">click here</a>.</p>
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      <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;">From slopes to strategy - There’s a fresh face at W&amp;D Finance</h3>
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<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#FFFFFF" 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:25px;padding-right:45px;padding-bottom:8px;padding-left:45px;color:#313131;background-color:#fff;">
      <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="">W&amp;D Finance has welcomed a new face to the boardroom, Steve Coltman - though in a past life, you might have found him carving down black diamond runs in Fernie, Canada, rather than reviewing financial forecasts. Before stepping into leadership roles across some of regional Victoria’s most respected organisations, our newest board member was, quite literally, navigating life at a different kind of peak.</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;" class="">These days, Steve’s focus is firmly on elevating regional business. With decades of experience and director roles at Mitre 10 Australia, WF Coltman Pty Ltd, Sovereign Hill Museum, Ballarat Clarendon College, and most recently Adroit Insurance &amp; Risk, he brings a wealth of experience - and a deep understanding of the people, priorities and potential that shape our region.</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;" class="">So, why W&amp;D Finance? For Steve, it came down to a solid reputation, deep community roots and an exciting opportunity for growth. With a vision to increase funds under  management and attract a broader investor base across regional Victoria, he’s here to help shape W&amp;D into the go-to name for investment and lending outside the usual suspects in the finance world.</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;" class="">As traditional lenders become increasingly risk-averse, he sees W&amp;D Finance stepping up to fill the gap - empowering local businesses to grow, and in turn, building stronger, more resilient regional communities. With each lending opportunity assessed on individual merits, W&amp;D Finance brings a considered community-focused approach to financing. It’s a mission that blends purpose with potential, and he’s keen to roll up his sleeves and get stuck in.</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;" class="">As for looking ahead to the remainder of 2025, he’s most excited about getting to know the business from the inside out and contributing meaningfully to W&amp;D’s five-year plan. With his mix of business acumen and alpine agility, we’re in for one exhilarating ride.</p><p 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;text-align:justify;white-space:normal !important;" class=""></p>
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      <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>Lock it in!</strong></h2>
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      <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>5.75%</strong></h2>
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      <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=""><em>T&amp;Cs apply. Interest paid monthly, quarterly or on maturity</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;">We were proud to be a <strong>Bronze Sponsor</strong> of the <strong>2025 Ballarat International Horse Trials</strong>, held over April 11–13! 🐎✨</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;">This year’s event brought together an incredible lineup of competitors. The grounds at Victoria Park looked absolutely stunning, and the atmosphere was full of excitement and top-class equestrian action.</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;">Congratulations to the organisers, competitors and everyone who helped make the weekend such a success. We’re thrilled to have played a part in supporting this world-class event right here in Ballarat!</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;"> <em>Top: Matt Shaddock (Shaddock &amp; Co), Tom Keightley (Baird &amp; McGregor), Michael Rice (captain) and Chris Torpy (Preston Rowe Patterson).</em></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;"><em>Bottom: Paul Bourke, Phil Cunningham (captain), Danny Quinlan (Oscar’s Hotel) and Jack Lawry (Southern Cross Network).</em></p>
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<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#EFF0F1" 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:21px;padding-right:45px;padding-bottom:29px;padding-left:45px;color:#000;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 Friday, April 4, W&amp;D Finance was the major sponsor of the <strong>Adroit Insurance &amp; Risk Charity Golf Day</strong> held at the Midlands Golf Club. The event was held in partnership with <strong>Grampians Health, and Ballarat Health Services Foundation</strong>. </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;" class="">W&amp;D Finance entered two teams that brought plenty of enthusiasm and, as it turns out, a few decent swings! We’re proud to report that the team captained by our Finance Manager, Michael Rice went on to win the entire day! A big congratulations to Michael and his team.</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;" class="">The event raised $68,256 which will be used to purchase Hi/Low Neocots and recliners for the Special Care Nursery and Maternity Unit at Ballarat Base Hospital. </p><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:justify;white-space:normal !important;" class="">W&amp;D Finance is proud to support an event that will benefit many parents and babies in Ballarat. To learn more about the Ballarat Health Services Foundation or make a donation, visit their <a href="https://www.bhs.org.au/foundation/" rel="nofollow" style="color:#000 !important;">website</a>.</p>
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      <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;">Hall of Fame honour for Bob Whitcher</h3>
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    <td valign="top" class="section-text-area section-content-cell padding-mobile-both" style="padding-top:21px;padding-right:44px;padding-bottom:21px;padding-left:44px;color:#313131;background-color:transparent;">
      <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="">A big congratulations to W&amp;D Finance Director, Bob Whitcher, who was officially inducted into the <strong>Ballarat Cricket Association Hall of Fame</strong> at the 2024/25 Senior Presentation night. </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;" class="">Bob’s contribution to cricket in the region is nothing short of legendary. Over a remarkable career, he played 329 games for Brown Hill, scoring a massive 9,081 runs and taking 684 wickets! Off the field, Bob served as Brown Hill Secretary for 16 years and represented Ballarat in 25+ Melbourne Country Weeks.</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;" class="">His dedication and service to the game have left an incredible legacy and we’re thrilled to see him recognised with this well-deserved honour. </p><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:justify;white-space:normal !important;" class="">Well done, Bob!</p>
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