Rhonda J. Williams

April 10, 2013

and affix the seal of the Association for Financial Counseling and Planning Education®.

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

AFCPE® certifies that

Date

AFCPE President

AFCPE Executive Director

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

AFCPE® Accredited Financial Counselor®

has successfully completed the course requirements and has agreed