The Woodbridge Private Credit Fund provides wholesale investors with direct and indirect exposure to 1st mortgage (senior secured) Australian and New Zealand real estate loans – with an ESG integrated investment process and philosophy.All loans in the portfolio have a valuation prepared by an independent, qualified and registered valuer. The Fund does not provide exposure to high-risk loans such as preferred equity loans, mezzanine finance, 2nd mortgage loans or corporate loans.

Environmental, Social and Governance (ESG)

Woodbridge defines ESG risk as an environmental, social or governance event or condition that, if it occurs, could cause a material negative impact on an investment. ESG risk factors are integrated into the investment objective and credit risk assessment of each loan taken into consideration at the portfolio level by country and sector. A negative screen is employed by Woodbridge to avoid loans against assets that do not meet minimum ESG and ethical standards.

Environmental, Social and Governance Considerations

Woodbridge will leverage its ESG capabilities to efficiently identify, analyse and manage ESG risks throughout the investment process. Woodbridge employs a negative screen and refrains from investing or lending to assets that have any exposure through asset value or income to any of the following sectors or activities:

• Tobacco and Tobacco alternatives production
• Military
• Controversial Weapons
• Nuclear Weapons
• Fossil fuel exploration and extraction (coal, gas and oil)
• Animal Cruelty

The scope for excluding controversial weapons is defined as any involvement in the development and production of biological and chemical weapons, depleted uranium ammunition/armour, anti-personnel mines or cluster munitions/sub-munitions and their key components. The scope for excluding nuclear weapons is defined as any involvement in the development, production and maintenance of nuclear weapons.Woodbridge will refrain from investing or lending to assets where more than 25% of the total asset value or income is derived one of the following sectors or activities:

• Tobacco retailing and sales
• Adult entertainment venues
• Gambling (for example licensed gaming venues, pubs and casinos)
• Fossil Fuel retailing and sales (for example petrol stations)
• Deforestation and detrimental change in land use

The Woodbridge Private Credit Fund provides wholesale investors with direct and indirect exposure to 1st mortgage (senior secured) Australian and New Zealand real estate loans – with an ESG integrated investment process and philosophy.

All loans in the portfolio have a valuation prepared by an independent, qualified and registered valuer. The Fund does not provide exposure to high-risk loans such as preferred equity loans, mezzanine finance, 2nd mortgage loans or corporate loans.