This is the product disclosure document issued by Over Fifty Guardian Friendly Society Limited ABN 81 087 649 063 and is dated 1 October 2009. This document should be read in conjunction with your Guardian Plan Contract.

In this document we will explain the Over Fifty Guardian Friendly Society Limited, how funds entrusted to us ensure the provision of agreed prepaid funeral, or funeral-related services at the time of need by Guardian Plan, and discuss further the benefits to you and your family.

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