| Forestry Finance Limited Forestry Finance has been established for the purpose of providing finance to companies, businesses and investors in forestry projects and forestry related industries and activities. Forestry Finance is a wholly owned subsidiary of EFF and a member of the EFF Group of Companies. The Company’s business model is to raise funds through a combination of equity and debt securities, which is then forward lent to investors, companies and businesses in forestry related industries. Whilst the specific details of each loan are slightly different, all loans are made on normal commercial terms and conditions. The interest rates and terms vary depending on factors including but not limited to: • The duration of the loan • The credit risk of the borrower • The amount being borrowed • The purpose of the loan The Company’s finance operations are designed to complement the overall operations of the EFF Group. |