Kimberley Kainey-Smith

CHARTERED BANKER INSTITUTE

has completed the examinations prescribed by the Board of Trustees and has been awarded the

This is to certify that

Diploma in Lending Skills

89748930

Should you need to verify this certificate, please contact: Chartered Banker Institute, 2nd Floor, 39 George Street, Edinburgh, EH2 2HN Email: info@charteredbanker.com Charitable Body No: SC013927

Kimberley Kainey-Smith