Richard Geens

CHARTERED BANKER INSTITUTE

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

This is to certify that

Chartered Banker by Experience

137732403

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

Richard Geens