CERTIFICATE OF ACHIEVEMENT

This is to certify that

HEATHER BARNEY
has successfully completed the following
assignments and projects using the
simulation-based financial literacy curriculum,

Time Management and Health, Finding a Job, Budgeting and Saving, Finding an Apartment,
Buying a Car, Shopping, Choosing and Balancing a Checking Account, Getting a Credit Card,
Fixing Your Credit, Education and Advancement, Using Online Banking, Paying Your Taxes,
Intro to Investing, Risk vs. Return, Diversification, Investing for Retirement, Buying a Home, Insurance,
New Career Project
CERTIFICATE NUMBER: 186429-452638
DATE OF COMPLETION: May 9, 2017

Peter A. Jordan
President
Knowledge Matters, Inc.