Ann's mother was a bank officer. She was well aware of the benefits associated with such a birth certificate. What she got was the next best thing, a Certificate of Live Birth. That was easy to get. Just show up and claim the baby was born in Hawaii and give the date.
That is probably what happened, who would question a bank official who eventually became its VP on authenticity. Seriously those kind of things didn’t have the constraints on them like they do today. The Medical record clerk might have needed a loan one day.
At what age did his mother become a bank officer? She certainly wasn’t one at age 18 or 19. When did she apply for the Certificate of Live Birth? Wouldn’t that date be on the certificate?