CARMICHAEL, Francis (Frank) Born March 8th, 1941 in Dundee, Scotland and passed away peacefully with his family by his side June 22, 2014 in Kelowna, BC. He will be lovingly remembered and greatly missed by his wife of 48 years Charlotte (nee Acheson); three sons Brad (Jay Jay); Kevin (Donna), Mark (Kazuko); six grandchildren; sister Brenda Binnie; brother Daniel Carmichael; as well as numerous nieces, nephew and extended family and friends. Frank is predeceased by his parents Daniel and Margaret Carmichael. Frank, hired by the Bank of Montreal in the U.K., immigrated to Canada in 1964 where he met Charlotte (Sherry) while working in Chilliwack, BC. Frank & Sherry settled in Nelson, BC for 22 years to raise their family after a number of transfers throughout BC. Sherry and Frank moved to Kelowna in 1999 from where he retired after a 44 year career with the bank. No service by request. In lieu of flowers, donations in Frank's memory to the BC Cancer Foundation would be appreciated. Link to BC Cancer Foundation: http://donate.bccancerfoundation.com/goto/Frank_Carmichael Condolences may be sent to the family by visiting www.springfieldfuneralhome.com 250-860-7077