NOTICE TO CREDITORS
TO: All persons interested in the Estate of Karen G. Howard, Decedent
The undersigned, Joyce D. Gillespie, Carol Smithey Rufkahr and Kelly M. Cramer, are acting as Co-Trustees under a Trust, the terms of which provide that the debts of the Decedent may be paid by the Trustee upon receipt of proper proof thereof. The address of Co-Trustee Joyce D. Gillespie is 4355 Cedar Ridge Drive, Fulton, MO 65251. All creditors of the decedent are noticed to present their claims to the undersigned within six (6) months from the date of the first publication of this notice or be forever barred.
/s/ Joyce D. Gillespie
Joyce D. Gillespie, Co-Trustee of the
Karen G. Howard Trust under Revocable Living Trust
Indenture dated 6-29-2009, as amended and restated

/s/ Carol Smithey Rufkahr
Carol Smithey Rufkahr, Co-Trustee of the Karen G. Howard Trust under Revocable Living Trust
Indenture dated 6-29-2009, as amended and restated

/s/ Kelly M. Cramer
Kelly M. Cramer, Co-Trustee of the
Karen G. Howard Trust under Revocable Living Trust
Indenture dated 6-29-2009, as amended and restated
F.S. Nov. 11, 18, 25, Dec. 2, 2023