Page 66 - Signature Funeral Directors Book for Adelaide 2017

Overview Australian Friendly Society – service, security

and performance
Australian Friendly Society has been caring for the financial
Bendigo Funeral Bond needs of Australians since it was first registered on 28
– a thoughtful and practical legacy April 1969. It is a friendly society for the purposes of the
The Bendigo Funeral Bond is a capital guaranteed Life Insurance Act 1995 and retains the historical friendly
investment plan designed solely to accumulate funds society philosophy of service and community concern,
to finance the cost of your funeral. Peace of mind while encouraging the traditional values of thrift, self-help
and consideration for family and friends are two good and fellowship.
reasons why many Australians plan ahead to meet the Today Australian Friendly Society is associated with
cost of funeral expenses. They see it as a sensible and Bendigo and Adelaide Bank Limited ("Bendigo and
responsible way of leaving everything in order so the Adelaide Bank") ABN 11 068 049 178 AFSL No. 237879
financial burden does not fall on those they care about. and its related entities (collectively the "Bendigo and
It removes the financial concerns for family and friends Adelaide Bank Group"). Bendigo and Adelaide Bank
and gives them the time to concentrate on supporting is a regionally based bank and well recognised for its
each other, rather than worrying about funeral expenses. innovative involvement in the development of Community
Importantly, as your investment in the Bendigo Bank® branches throughout Australia.
Funeral Bond is made solely for the purpose of The Bendigo and Adelaide Bank Group includes
meeting your future funeral expenses, your account the wholly owned subsidiary Sandhurst Trustees
balance cannot be withdrawn prior to death and must Limited ("Sandhurst Trustees") ABN 16 004 030 737
be applied towards the payment of your funeral. AFSL No. 237906. Through contractual arrangements, the
This means there’s no chance your plans and good Society outsources administration services to Sandhurst
intentions can be compromised by the demands of Trustees and also uses the treasury services of Bendigo
everyday living expenses. There may also be financial and Adelaide Bank for some of its asset management.
planning advantages associated with investing in the As with any investment there are inherent risks in investing
Bendigo Funeral Bond, including taxation and pension into the Bond and these risks, including market and
considerations.
security specific risk, are discussed in this Disclosure
All Bonds issued on the basis of this Disclosure Document. For this reason, neither the repayment of
Document are eligible for special taxation arrangements capital invested, nor the investment performance of the
which have been in place since 1 January 2003. See Bond, is guaranteed by Sandhurst Trustees, Bendigo and
page 12 for details. Adelaide Bank or any other entity in the Bendigo and
We recommend that you consult your financial adviser Adelaide Bank Group or any of their officers, employees
prior to investing in the Bendigo Funeral Bond. or agents. Importantly, a contribution into the Bond is not
a deposit or other liability of Bendigo and Adelaide Bank,
We also recommend that you tell your family or Sandhurst Trustees or any other entity in the Bendigo and
the executor appointed under your Will about your Adelaide Bank Group. However, the Bond is supported
investment in the Bendigo Funeral Bond so they are by a capital guarantee from the Society. See page 13 for
aware of your arrangements.
details.

Key Features of the Bendigo Funeral Bond Consents
Capital guaranteed Yes, see page 13 The Society's actuarial advisers Mercer Consulting (Australia)

Centrelink & Department of Yes, see page 12 Pty Ltd, its legal advisers TurksLegal, its auditors Richmond
Veterans' Affairs advantaged Sinnott & Delahunty, AIA Australia Limited ("AIA Australia")
ABN 79 004 837 861 AFSL 230043, Sandhurst Trustees
Taxation advantaged Yes, see page 12 and Bendigo and Adelaide Bank have given, and have not,
Yes, investment details before the date of the Disclosure Document, withdrawn
Securely invested
on page 9 their consent to be named in the document. Each of these
parties has reviewed this Disclosure Document in relation
Able to be assigned to a to statements contained herein concerning their opinions,
funeral director as part of Yes, see pages 3 & 9 advice and involvement with the Fund and has consented
a pre-paid funeral
to the context and form in which those opinions, advice and
statements appear. None of the consenting parties have
authorised or caused the issue of this Disclosure Document.

2 Bendigo Funeral Bond