Says Annie was the beloved wife of Thomas Foster of Colac, "who departed this life" on the date given. Thomas is buried with her. It appears he was 26 years when he died but this may be 76 years - bit hard to read.
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BillionGraves.com record for Thomas Foster (26 March 1913), BillionGraves Record St Kilda Cemetery, Melbourne, Port Phillip City, Victoria, Australia, Oceania