Kathryn Steffan

AFCPE® & OACCS® certify that

has successfully completed the course requirements and has agreed

to abide by the Professional Code of Ethics and Standards as an

AFCPE® Accredited Financial Counsellor Canada®

With all rights, privileges and honors appertaining thereunto. In testimony thereof we set signatures

and affix the seal of the Association for Financial Counseling and Planning Education® and the Ontario Association of Credit Counselling Services®.