This certificate is awarded to

Course Title: Ethics: Predatory Practices in Mortgage Origination

Cer t i f i ca t ion # : 4813 Hours o f Cred i t : 2

Course Title: IdaMortgage: We Make Home Buying More Affordable!

Cert i f i ca t ion # : 4814 Hours o f Cred i t : 2

Course Title: Idaho Residential Mortgage Law and Regulation

Cer t i f i ca t ion # : 4809 Hours o f Cred i t : 1

TOTAL CREDITS: 5 Course Date: October 16, 2014

Dena Lynn Perkes

C E R T I F I C A T E O F C R E D I T

Provider # 1400375