CLEMENTS, Michael R. age 70, of Palm Harbor, born in North Bergen, NJ, Oct. 26, 1943, passed away Feb. 8, 2014 of natural causes. He is survived by his loving family, wife, Karen Margaret Clements; daughter, Kim Michelle Poet; son, Michael Matthew Clements; and grandchildren, Steven Edward Daniel and Aison Amedee Clements. He was a devoted father, husband and grandfather, a Navy veteran and former banking senior vice president. He loved cruising the world, reading, golfing, enjoying good wine and Macallan 18 and rooting for his Bucs, Rays and Gators. He will be greatly missed. A celebration of life will be held on Wednesday, Feb. 12, at Curlew Hills Funeral Home in Palm Harbor. Gathering at 5:30 pm, service 6 pm.