In memory of
Cheryl 

SCHULTZ, (SMITH Nee PAYNE) Cheryl Ann

On December 27^th at Hamilton, aged 75 years.

Dearly beloved wife of Tom (Dec) and Allen.

Loved mother and mother-in-law of Karryne and David; Wendy and Barry;

Bradley (dec); James and Suzanne.

Grandmother of Nathan, Renée, Lillian, Cecilia, Melanie and Kate.

‘Be still and know that I am Lord’ psalm 46:10