Saying "it's hard to process", the woman held one of the nine winning division one entries in the national TattsLotto draw 3969.

Each division one entry won $446,898.09.

The winner, who wishes to remain anonymous, bought her 18-game QuickPick entry online.

"I'm still in shock or something," the winner told a TattsLotto official.

IN OTHER NEWS:

She discovered she had won via email after missing her win when she checked on Sunday morning.

"I checked [the numbers] quickly and didn't think I had won anything. In fact I even told my husband that we didn't win," she said.

"Then later I got an email saying I had won something and I was wondering if it was real. That's when I checked it again and realised I had all of the numbers and I had won division one.

"I turned my husband and said 'I guess today is going to be a good day!'."

The winner is still planning how to spend her windfall.

"I'll pay off our loan and then I'll just have to wait and let it all sink in," she said.

"I'm sure the win will allow us to relax in our retirement."

However, a celebration is definitely on the cards.

"I'm sure we will do something later tonight to toast the win!" she said on Monday morning.

The winning numbers in TattsLotto draw 3969 on Saturday, August 3, were 44, 28, 32, 3, 5 and 38, and the supplementary numbers were 25 and 27.

Of the nine division one winners four were from Victoria, two each from NSW and Queensland and one from Tasmania.

The community is raising funds for four local charities as part of The Examiner's Winter Relief Appeal. Can you help?