� e above is an independent � nancial coach who is neither an agent nor employee of, nor subject to the direction of, Dave Ramsey, � e Lampo Group, LLC, Financial Peace University, or any agents of � e Lampo Group, LLC. All

coaching or other services rendered are that of the � nancial coach, not � e Lampo Group, LLC., and � e Lampo Group, LLC., makes no representation or warranty regarding the coach or any service rendered.

Dave Ramsey and his nancial Coaching team hereby acknowledge that

completed nancial Coach Master Training on the 29th day of July, 2016.

GARRISON REEKERS

Chris HoganAuthor, Speaker & Coach

David L. Ramsey III President, � e Lampo Group, LLC

Bill Lowe IIDirector of Financial Coaching