Josephine Isabel Cole was born 1856 in Gosford, New South Wales, Australia to James Cole (c1812-1885) and Mary Gutsell (1822-1892) and died 17 July 1934 Redfern, New South Wales, Australia of unspecified causes. She married John Lloyd 1875 in Broulee, New South Wales, Australia.
Children
| Name | Birth | Death | Joined with |
| William James Lloyd (1876-) | |||
| Isaac R J Lloyd (1878-) | |||
| Maud Lloyd (1880-1880) | |||
| Name | Birth | Death | Joined with |
| Pearlie Blundell (1895-1980) | |||
Changes of surname by daughters:
- Pearlie Rose married Samuel Barr in 1930, & Eric William Rose in 1944