CLASS STRUCTURE FOR LESSON 12 NOTARY SIGNING AGENT (NNA) (Lesson 12) HOW TO BECOME A NOTARY SIGNING AGENT E & 0 INSURANCE NOTARY SIGNING AGENT TRAINING DO A LOAN SIGNING AS A NOTARY SIGNGING AGENT NOTARY SIGNING AGENT LOAN DOCUMENTS PREPARE FOR YOUR FIRST LOAN SIGNING LOOKING FOR NOTARY SIGNING AGENT WORK USE YOUR SIGNING AGENT .COM PROFILE COMPAi NiES LOOKING FOR HIRING NOTARY SIGNING AGENT IMPORTANT DOCUMENTS HELP YOU AS LOAN SIGNING AGENT MAP ON HOW TO USE SEAL EMBOSSER AND STAMPS Signing Agent Information A Signing Agent is a Notary specifically trained to facilitate mortgage signings. With the NNA Signing Agent Certification you can earn additional income and advance your Notary career in as little as three weeks. From our industry-recognized program, you'll learn how to easily interpret and explain complex mortgage signing documents. Use your Notary skills to become a qualified, competent and confident Certified Signing Agent. And you'll have your industry-required background screening enabling you to work for the major title services organizations. You'll be in high demand. Notaries should be aware that opportunities to conduct loan signings may be limited or restricted in some states. Unfortunately, we are unable to provide NSA certification for Notaries in the U.S. Territories. love

Bonds & E&O Insurance – What’s the Difference? Notary Bonds: Protection for the Public In many states, every Notary is required by law to purchase a Notary surety bond, which is designed to protect the public from financial harm that results in any negligent mistake or intentional misconduct committed by a Notary while performing a notarization. A Notary bond is not insurance protection for Notaries. If a claim is made against your Notary bond, you’re required by law to pay it back. You could also be held personally responsible for any additional costs above the amount of your bond, which might include court costs, legal fees and other expenses. However, if you have a Notary bond and an E&O Insurance policy with the NNA, your insurance policy could protect losses on your Notary bond that you would otherwise be required to repay. Get your state-required Notary bond individually or as part of a New or Renewing Notary Supply Package. Notary E&O Insurance: Protection for Notaries A Notary Errors and Omissions (E&O) policy protects you, as a Notary, should you make an unintentional mistake or omission while notarizing, or if someone files a false claim against you. An NNA Notary E&O Insurance policy will provide you with protection from these and other losses and risks: Financial damages from a notarization mistake or omission filed against your NNA Notary bond. Unintentionally violating a law while notarizing. Being named in a lawsuit even if you did nothing wrong. An imposter counterfeiting your seal containing your commission information and forging your signature on a document without your knowledge. Don’t assume you are covered by your employer. You alone are responsible for every notarization you perform. Notary E&O Insurance from the NNA will cover your expert legal defense in addition to your claim, legal fees and court costs, up to the limit of your policy coverage amount. And it requires no deductible and no repayment of losses. Policies are very affordable and start at just pennies a day.

Notary Signing Agent Tip: How to prepare for your first loan signing By Mark Wills, Guest Contributor on February 16, 2021 You just landed your first loan signing. What do you do now? How should you prepare so the signing goes smoothly? As an educator and mentor to thousands of Notary Signing Agents across America, this question comes up all the time. I teach a simple, 4-step process to make sure your first loan signing (and all your loan signings) goes smoothly: Confirm the details of the signing appointment Read the instructions Print the loan documents Call the borrower to confirm their information But before you get to these steps, there is something you should have already done before accepting your first signing: Make sure you know how to use your dual-tray, laser jet printer. I cannot tell you how many times I've had students land their first signing and not be able to print the loan documents because they have not taken the time to test their printer prior to their first loan signing. Here is your first pro tip: Make sure you know how to adjust your printing settings and can print legal and letter size paper prior to your first signing appointment.Now that we have that covered that, let's talk about specific steps you take when you land your first loan signing appointment. Step 1: Confirm the appointment details. As soon as you get the signing appointment, confirm the time/date and location with whomever gave you the signing, and plan your time. An assignment from a signing service usually has a pre-assigned time and date. If for some reason you do not see this information on your order, ask your signing service contact if it is your responsibility to reach out to the borrower to determine the time and date. If you get an order assigned to from a signing service and you see “TBD” that means “to be determined” which tells you a time has NOT been set yet, and you need to ask if it is your responsibility to reach out to the borrower to set up the time/date and location. If you received your signing through a direct source the same step would apply. Once you confirm the location find out how long it will take you to get the signing location and FACTOR IN TRAFFIC times to get there. Being late to your first appt is not a good look and between Waze, Google Maps and Apple Maps this is easier than ever. The time to get to an appointment is too often overlooked during the nerves of your first signing. So don't forget. Speaking of nerves, make sure you give yourself enough time to complete your first appointment. I tell my students to give yourself at least 2 hours for your first signing. It shouldn't take that long (typical signings take 45 to 60 minutes), but the last thing you want is pressure of a time crunch to add to your first signing experience. Step 2: Read ALL the instructions you were sent. This is the most overlooked step by new signing agents. Signing services, lenders, escrow officers will send some of the more detailed instructions in the body of the email or as an attachment to the documents. They may want the docs signed in a certain color of ink only, they may need a copy of the borrower’s insurance card sent back with docs, or they may want you to keep the loan docs in the exact order as received. It could be anything. Make sure you read the entire email you were sent: the body of the email and any or attachments if they are any. Too many signing agents fail to read the entire email and go directly to printing docs and miss the more detailed instructions. Needless to say, if something has been missed, this will significantly reduce the chance you get assignments from them in the future. Step 3: Print and prepare your loan docs. Another big mistake new Signing Agents make is not printing according to PDF size. More specifically, you need to print your loan docs on legal and letter size paper. In addition, new Signing Agents too often do NOT actively look for any attachments that may have been sent to them. Make sure to triple check you have printed everything that needs to be printed. Pro Tip: Before you print, be sure you’ve flipped through the documents electronically. Sometimes a document isn’t fully scanned in or is cut off, and catching this now, before you head to the appointment, will let you fix the mistake and save everyone time. Once you print them, flip through the documents to be sure all documents are printed according to page size (legal or letter) and printed clean (sometimes there can be smears or bad prints). Catching these issues beforehand will prevent a second trip back to the borrower. Secondly, flipping through the docs gives you time to get familiar with the docs so you can see where signatures, initials, and dates are located. If you have time before hand, you can mark pages with arrow tags on the loan docs to ease your mind to ensure you don’t miss any signatures or initials. Remember, absolutely NO Highlighting the loan docs. Step 4: Call the Borrower and confirm basic information. To ensure the signing starts flawlessly, simply call the borrower (the signing service, escrow officer, realtor or lender will give you the phone number. If not, locate the phone number on the loan application) and confirm the time, date, and location of the signing. Ask them if there is any special designated parking or gated access required. Confirm the signers (single or joint) and the spelling of their name on the docs. Lastly, confirm that all borrowers will have an unexpired ID at the appointment. Follow these simple steps before your first signing and it will make it a lot easier. If you want a comprehensive checklist that covers what to do before, during, and after every signing, or if you want to receive additional training on how to do loan signings and get loan signing assignments, join the Loan Signing System family. Mark Wills of Loan Signing System is a Notary educator, a mentor to more than 4,000 Notary Signing Agents and a Forbes Real Estate Council Member. For more information on how to market your loan Signing Agent business, please go to loansigningsystem.com.

Where Do You Start Looking for Notary Signing Agent Work? By Mark Wills, Guest Contributor on January 5, 2021 Updated 1-18-23. You’re just starting out as a Notary Signing Agent, and the biggest question is: “Where do I find work?” Here is an easy 3-step process to start getting loan signing appointments: Step 1: Start by signing up with the major Signing Agent databases that signing services use to offer assignments Notary Signing Agents. These include: SigningAgent.com SnapDocs.com NotaryRotary.com NotaryCafe.com SigningOrder.com Step 2: Next, sign up directly with as many signing service companies as you can. While there are only a handful of major Signing Agent databases, there are literally hundreds of signing service companies across the country. Finding them is as easy. Just do an internet search for “signing services in [your state].” Or you could utilize a list such as one found in Loan Signing System’s course or what’s found at 123Notary. Step 3: Once you have signed up with each signing service, locate a phone number for each signing service and call them directly to introduce yourself. Remember to let them know you are here to help solve their major issues instead of just talking about you and your qualifications. It’s that easy. How signing services work Remember, Signing Agents are hired by location and availability. Signing services not only use the major databases listed above to find signing agents, they also use their own database. This is why it’s so important for you to sign up with as many of them as possible. The Notaries that are closest to the borrower's location first get notified that a signing job is available. If no one accepts the signing they will move farther away from the location until a Notary accepts the assignment. A new Signing Agent can get opportunities for appointments early in their career because there will be occasions where no other Signing Agent will be available. But there is something you, as a newer Signing Agent, need to embrace if you want to find work early on: In the beginning, a newer Signing Agent will be offered the lowest paying jobs and appointments with long travel times. Sometimes the ‘veteran’ Signing Agents turn down an appointment because it is too far from their location or the signing fee being offered is too low. What veteran Signing Agents turn down is an opportunity for you. This is the BIGGEST reason you will get signing opportunities as a brand new Signing Agent. Now, I know what you're thinking … If a veteran Signing Agent won't take an appointment, why should you? Experience vs. Profits To become a good Signing Agent, you need to think like a business owner and you need to have the right mindset. When starting out, gaining experience should be prioritized over profits. You can't command more until you actually have loan signing experience under your belt! In all honesty, as an owner of a signing service, I can say from experience that newer Signing Agents don't deserve a higher fee until they can prove that they don't make mistakes and are reliable. So my recommendation to you is to take every loan signing assignment you can in the beginning, and don't worry about distance or fee until you become a proficient Signing Agent. ONLY then should you start worrying about how much money you make per signing and how far you go for signings. Through experience and good reviews for your signings, the fees will get higher and the signing appointments will get closer to your location. Get the experience and the money will follow ... and before you know it, you will be working directly with mortgage professionals and keeping the entire signing fee. Mark Wills of Loan Signing System is a Notary educator, a mentor to more than 4,000 Notary Signing Agents and a Forbes Real Estate Council Member. For more information on how to market your loan Signing Agent business, please go to loansigningsystem.com.

How to Become a Notary Signing Agent Notary Signing Agents (NSAs) facilitate loan closings for the mortgage finance industry. Before starting the NSA certification process, you must be commissioned as a Notary Public. Please be aware that opportunities to conduct loan signings may be limited or restricted in 18 states. Signing Agent Certification Process Many state laws do not address additional qualifications or requirements for Notaries who work as Notary Signing Agents. However, companies in the mortgage finance industry do have laws and regulations they must meet in order to do business. Because lenders, title companies and signing services are held to certain regulatory standards, they set the bar for the Notaries they hire. While every company's guidelines may vary, the industry strongly recommends taking all of the following steps to increase your chances of getting hired by the widest range of companies. Be commissioned as a Notary Public in your state (required). Take a loan signing training course. Pass an exam and background screening that are SPW compliant. Buy your Signing Agent supplies. Purchase a minimum $25,000 E&O insurance policy. Start working as a Notary Signing Agent. Promote your business online by joining Notary Signing Agent directories. Become a Notary Signing Agent In This Guide: NSA Training & Guidelines | Insurance & Legal Risk | General NSA Information NSA Training & Guidelines The details below will help you understand the recommended guidelines for Notary Signing Agent certification. What does a Notary Signing Agent do? A Notary Signing Agent is a Notary who is specially trained to handle and notarize loan documents. For lenders, Notary Signing Agents are the critical final link to complete the loan. A Notary Signing Agent is hired as an independent contractor to ensure that real estate loan documents are executed by the borrower, notarized and returned for processing on time. Completing this critical part of the loan process enables the loan to be funded. Who can become a Notary Signing Agent? Anyone who meets the requirements to be a Notary Public in their state can go on to become a Signing Agent. However, it is important to note that some states have restrictions that apply to NSAs. Is certification required? Certification is not required by law to become a Signing Agent. However, many companies that contract Signing Agents for mortgage closings ask these professionals to be certified and background screened in order to meet Consumer Financial Protection Bureau compliance requirements for third-party service providers hired by financial institutions. Several private organizations offer training, certification and background screening for Signing Agents that meet the standards of lenders, title companies and signing services. The NNA is an SPW-compliant vendor, so you may choose to get certified and background screened by the NNA. Do I need to take a Notary Signing Agent exam or training course? No exam or training is required for NSAs. Although neither one is required, a training course and passing score on an exam are smart ways to prove you've been formally educated in the complex process of mortgage closings. A training course covers everything you need to know to be familiar with the loan closing process and the types of documents involved. It will provide the knowledge you need to walk a buyer through the mortgage closing process clearly and efficiently. A Signing Agent training course will also prepare you to pass the SPW-compliant exam. There are many vendors, including the National Notary Association, offering Signing Agent training courses and exams online. Why am I being asked to do a background check? In order to guard borrowers' private financial information, the mortgage industry requests all persons involved in the lending process to undergo background screenings. Lenders in turn instruct title services companies to ensure that everyone with access to mortgage documents has been screened. This applies to everyone handling loan documents including Notaries who act as Signing Agents. Are there any special requirements or restrictions in my state? It depends on the state. Some states limit or restrict Notaries from working as Signing Agents or include additional licensing requirements. Please be aware that opportunities to conductt loan signings are limited or restricted in 18 states. States with NSA restrictions Connecticut, Delaware, Georgia, Indiana, Maryland, Massachusetts, Minnesota, Nebraska, Nevada, New York, North Carolina, South Carolina, South Dakota, Texas, Utah, Vermont, Virginia and West Virginia For more information, see our list of Signing Agent State Restrictions. What supplies should NSAs have? In addition to your Notary seal and journal, Signing Agents should have reliable transportation to get to assignments, a mobile phone and email for communication with signers and companies that hire them, and a printer and fax machine to print loan documents and fax completed loan documents if required. Many new NSAs also find it helpful to use a few industry tools and guidebooks when starting out. How long does it take to become a Signing Agent? NSAs who follow the recommended industry certification process listed above can expect one to two weeks to become a certified Signing Agent. A majority of this time will be spent waiting for your background screening results to return. Other factors will be your availability and how long it takes you to become comfortable with all procedures and requirements for notarizing loan closings. How much does it cost to become a Signing Agent? The cost of becoming a certified Signing Agent typically ranges from $75 to a few hundred dollars, but this can vary depending on a few different factors: Whether or not you have an active Notary commission in your state Whether or not you already have a $25,000 errors and omissions (E&O) insurance policy Which training/exam vendor you choose What vendor conducts your background screening Where you purchase your NSA supplies Licensing fees (required for certain states) Insurance & Legal Risk Because certified Signing Agents play a critical role in completing real estate loans, it's important for all NSAs to understand their responsibilities and the legal risks they face if proper procedures are not followed. Do I need any additional Notary insurance? Though not required by law, it's strongly recommended to purchase a Notary errors and omissions (E&O) insurance policy to cover you against damages resulting from unintentional mistakes. The Signing Professionals Workgroup (SPW), an industry standards organization, recommends Signing Agents carry a minimum Notary E&O policy of $25,000 following a study that found most claims against Notary Signing Agents average around $14,000. However, some individual companies may ask Signing Agents they work with to carry a larger policy. How much legal risk might I face as an NSA? Loan document signings are important transactions involving hundreds of thousands of dollars. It's essential that Notary Signing Agents follow their state's Notary laws as well as federal mortgage regulations like protecting the privacy of a signer's information. A Notary Signing Agent must diligently follow proper procedure. In addition to damaging the Signing Agent's chances of finding work in the future, carelessness, negligence or improper conduct can result in severe criminal penalties or financial liability for a Signing Agent. General NSA Information Need more information about working as a Signing Agent? Get answers to commonly-asked questions below. What are the benefits of becoming a Signing Agent? For lenders, Notary Signing Agents are the critical final link to complete the loan. Signing Agents not only earn income for notarizing signatures on loan documents but are also paid to perform courier services and ensure that completed loan packages are returned to the lender in a timely fashion. Many Notaries choose to work as Signing Agents as a part-time or full-time source of income. How is a Notary Signing Agent different from a traditional Notary? Although traditional Notaries and Notary Signing Agents both perform notarizations for their clients and must have an active commission, Signing Agents are specially trained to handle and notarize loan documents. In most cases, they meet additional qualifications such as background checks, extra training and/or special licensing (depending on state regulations). How much can I charge for a loan signing? There is no set fee schedule for Notary Signing Agents who perform loan document signing assignments. Each Signing Agent must negotiate their own fees based on their business expenses, the companies they work with, travel and time required for assignments, and the demand for services in their area. Be aware that the federal government strictly prohibits collaboration to set fixed fees for loan document signings, including price-fixing agreements, boycotts or attempting to persuade other Signing Agents to agree to charge an established minimum fee. How often must I renew as an NSA? The government does not define a renewal time frame for Signing Agents within any state or federal law. However, the industry standard set by SPW recommends that Signing Agents renew their exam and background check every year. Industry certification standards developed by SPW are designed to meet important CFPB requirements. Where do I find loan signing work? There are several online Notary Signing Agent directories where you can make your contact information available to lenders, financial institutions and signing services offering assignments. Some directories offer free listings while others offer more prominent listings for a fee — you should compare directory services and see which best suit your needs. In addition to signing up with several directories, you can also promote your services by networking within your local community. You can accomplish this by attending business and trade events, connecting with UPS and FedEx store managers, and building relationships with other Notaries in your area. What is a signing service? Signing services are private companies that act as middlemen, locating and contracting Signing Agents on behalf of lenders and title companies for assignments. Though assignments through signing services generally do not pay as well as working directly for lenders or title companies, they usually have more assignments available for Signing Agents who are starting their new business. Who can answer questions about loan signing assignments? Any questions regarding loan terms or the content of loan documents during a signing should be directed to a qualified loan officer. Signing Agents are not loan officers and should never try to explain loan documents or answer questions from a signer regarding the terms of a loan. If you have other questions about working as a Signing Agent or industry issues, professional Notary associations like the NNA and other private organizations that offer Signing Agent training and certification can often address your concerns. Most state Notary-regulating agencies cannot answer questions related to Signing Agent assignments, because many of a Signing Agent's duties aren't addressed by state Notary laws. There are also dedicated social media groups for Notary Signing Agents on LinkedIn, Twitter and private websites where Signing Agents can go to ask questions and discuss issues affecting their work.

Notary Signing Agent Training A Notary Signing Agent course will teach you the fundamentals of loan signings, explain key documents, and prepare you to perform loan signings in a way that protects the borrower's privacy and security. Some loan Signing Agent courses, such as those provided by the NNA, even cover what companies are looking for when hiring NSAs. The NNA offers an NSA certification program that includes an online loan Signing Agent course, an exam and a background screening. Are you ready to get started? Why do Signing Agents need training? Training is not mandatory but strongly recommended as it can help you pass the Notary Signing Agent exam. Instead of spending hours researching topics on your own, an online training course can provide you structured education to assist with the learning process. On a broader level, getting a training certification assures signing services, lenders and title companies that you've been properly instructed on how to perform loan signings, how to prevent mistakes and how to answer questions about loan documents. As a third-party service provider, NSAs can become a liability to themselves and their contracting companies should a signing go south. Companies in the mortgage finance industry need to be assured you've been professionally trained in all matters of a home loan closing and can provide consistently excellent customer service in each signing. How long is the Notary Signing Agent training course? A training course can typically be completed within a few hours. The length of the Notary Signing Agent exam will vary based on the company you choose to get certified with. For example, the NNA Notary Signing Agent exam consists of 45 multiple-choice questions. Are there restrictions in my state? While requirements for Notaries Public are established at the state government level, only a few states address Notary Signing Agent restrictions. Because lenders and other companies in the mortgage ecosystem are subject to certain federal regulations, an industry workgroup created business best practices as well as minimum standards for NSAs to meet. These guidelines are intended to protect consumers and help prove that they've done their due diligence on anyone involved in the home loan process. Following these recommendations is not required to provide loan signing services, but it helps you meet the varying expectations of different companies that hire signing agents. The fastest and easiest way to meet industry standards is by becoming certified and getting your background screening completed. What are the benefits of getting certified to conduct loan signings? Getting your Notary Signing Agent certification proves you've successfully passed the exam and you've been professionally trained to handle mortgage loan documents. It is possible but may be very difficult to demonstrate your qualifications to title companies and signing services without being certified. In fact, the mortgage finance industry relies heavily on certification to quickly vet Notary Signing Agents to work with. You can think of certification as the stepping stone toward a successful NSA business, as it instantly creates trust and credibility — opening the doors for more assignments with bigger clients. Will I automatically get jobs after becoming an NSA? No, you won't get NSA work immediately after becoming a Notary Signing Agent. The success of your business depends on what you put into marketing yourself and the efforts you make to promote your loan signing services to contracting firms. If you're just getting started as a Notary, you may want to use a guide to building a successful Notary business and follow up with NSA-specific marketing tools like getting listed on multiple NSA online directories such as SigningAgent.com.

What is an electronic notarial act? As defined in the notary statutes, an electronic notarial act is any act that an electronic notary public of this state is authorized to perform, including taking an acknowledgment, executing a jurat or certifying a copy that is performed using electronic tools or over the internet via digital tools and a live audio-video call. Who can perform electronic notarial acts? A notary public registered with the Secretary of State's office as an electronic notary public who has paid the $50.00 registration fee and completed the electronic notary training course and exam with a score of 75% or higher. Will I be issued a new commission number for my electronic notary registration? No. You are already commissioned a traditional notary. That commission number does not change. You register as an electronic notary public which is an enhancement to your traditional commission. Can I register as an electronic notary public only? No. You must have a traditional notary commission to register as an electronic notary public. When my traditional notary public commission expires, what happens to my electronic notary public registration? It expires at the same time. The traditional notary commission and electronic notary registration run concurrently. Do I need to purchase another bond to become an electronic notary public? No. The bond that was filed with your county of residence for your traditional notary commission will also cover electronic notarial acts. What is the difference between an electronic notarial act performed in-person and an electronic notarial act performed by means of audio-video communication? The in-person electronic notarial act is the exact same process as used in the performance of a traditional notary "paper" transaction. The only difference between the two acts, is that the tools used to accomplish the transaction--the journal, seal and signature of the notary are electronic. However, the notary must still identify the principal through personal knowledge, oath of credible witness or an acceptable identifying document and record that identification process in their electronic journal. If the notary is performing an electronic notarial act by means of audio-video communication (also known as remote, online, internet or webcam notarization) there are other criteria and statutory requirements that must be met. For instance, one requirement is that the recording of the notarial act performed by means of audio-video communication must be transacted in real time with an uninterrupted simultaneous audio-video feed. To become familiar with the other statutory requirements for this type of electronic notarial act review the Electronic Notary Public Authorization Act - NRS 240.181 -240.206. and NV Administrative Code Chapter 240. Will I need to subscribe to or purchase technology to perform electronic notarial acts? Yes. For a list of state-approved electronic notary solution providers click here: Electronic Notary Solution Providers. Do travel fees outlined in statute apply to electronic notarial acts? Yes. For in-person electronic notarial acts only, and only if there is travel involved and the fees are agreed upon in advance. Electronic notarial acts performed by means of audio-video communication do not require travel. What is a digital certificate and why do I need one to perform electronic notarial acts? A digital certificate also known as a digital signature is the means by which you will sign the document. The digital certificate then attaches to the document in a manner in which the document becomes tamper evident (i.e. any subsequent changes to the document becomes apparent). Most likely, the electronic notary solution provider that you choose will direct you in how to obtain a digital certificate from a third-party vendor. What are the requirements for the electronic journal? Pursuant to NRS 240.201 an electronic notary public who performs electronic notarial acts shall: Describe each electronic notarial act in the electronic journal and specify whether the electronic notarial act was performed using audio-video communication; Maintain and protect the electronic journal at all times under his or her sole control; and provide for lawful inspection and copying of the electronic journal. An electronic notary public may maintain more than one electronic journal to record electronic notarial acts. The fact that the employer or contractor of an electronic notary public keeps a record of electronic notarial acts does not relieve the electronic notary public of the duties required by this section. An electronic journal must: Enable access by a password or other secure means of authentication; and Be capable of providing tangible or electronic copies of any entry made therein. The Secretary of State may suspend the registration of an electronic notary public who fails to produce any electronic journal entry within 10 days after receipt of a request from the Secretary of State. Can I use a paper journal to record an electronic notarial act? No. How long do I need to keep my electronic journal, the recordings from the audio-video electronic notarizations and/or other notarial records? Pursuant to NRS 240.201: Upon surrender, revocation or expiration of a registration as an electronic notary public, all notarial records required pursuant to NRS 240.001 to 240.206, inclusive, must, except as otherwise provided by law, be kept by the electronic notary public for a period of 7 years after the termination of the registration of the electronic notary public. What are the requirements for the use of audio-video communication to perform electronic notarial acts? Pursuant to NRS 240.1993: An electronic notary public may perform an electronic notarial act using audio-video communication in accordance with NRS 240.181 to 240.206, inclusive, and any rules or regulations adopted by the Secretary of State for a person who is physically located: (a) In this State; (b) Outside this State but within the United States; or (c) Outside the United States if: (1) The electronic notary public has no actual knowledge of the electronic notarial act being prohibited in the jurisdiction in which the person is physically located; and (2) The person placing his or her electronic signature on the electronic document confirms to the electronic notary public that the requested electronic notarial act and the electronic document: (I) Are part of or pertain to a matter that is to be filed with or is currently before a court, governmental entity or other entity in the United States; (II) Relate to property located in the United States; or (III) Relate to a transaction substantially connected to the United States. An electronic notary public who is registered with the Secretary of State pursuant to NRS 240.192 may perform an electronic notarial act using audio-video communication in accordance with NRS 240.181 to 240.206, inclusive, and any rules or regulations adopted by the Secretary of State if the electronic notary public is physically present in this State at the time of performing the electronic notarial act, regardless of whether the person who placed the electronic signature on the electronic document is physically located in another jurisdiction at the time of the electronic notarial act. The validity of the notarial act will be determined by applying the laws of this State. LOVE

How to Become a Remote Online Notary Many Notaries have asked how they can apply to provide remote online notarization (RON) services. Your state's Notary regulating official will have a specific authorization process based around the documentation needed to comply with your state Notary laws. The general steps to become an online Notary may include: Meeting your state's qualifications to become a traditional Notary. Applying or registering to perform virtual notarizations. Paying the state's application fees. Completing any RON-specific testing or training courses required by your state. Getting remote online Notary tools and technology like an eSeal and digital certificate. Choosing a state-approved RON vendor. Having a surety bond to cover remote online notarizations. Buying an E&O insurance policy that covers RONs. Submitting any other documents required by your state's laws. In This Guide: Application Requirements | What is RON? | Where RON is Legal | RON FAQs Requirements to be a remote Notary In some states, you must hold a commission as a traditional Notary Public before you apply to become a remote online Notary. In other states, you may be able to apply for a Notary commission and an authorization to perform virtual notarizations at the same time. Because you must be a commissioned Notary to offer RON services, you must meet your state's qualifications for becoming a traditional Notary. Some states have more requirements than others, but most of them include: Being at least 18 years old Being a legal resident of the state Having no felony convictions Be sure to check your state's RON laws to confirm you meet all requirements for working as a remote Notary. State RON Instructions View step-by-step instructions to apply for RON authorization in your state Select a State Alabama Alaska Arizona Arkansas California (Prohibited) Colorado Connecticut (Temporary But Expired) Delaware (Coming Soon) District of Columbia (Coming Soon) Florida Georgia (Temporary But Expired) Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine (Coming Soon) Maryland Massachusetts (Coming Soon) Michigan Minnesota Mississippi (Temporary) Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina (Coming Soon) North Dakota Ohio Oklahoma Oregon Pennslyvania Rhode Island South Carolina (No Guidance) South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Is there an exam required to be an online Notary Public? Some states require remote online Notaries to pass an exam proving their knowledge of RON procedures and use of the technology. States that have implemented permanent remote notarization laws and require an exam include Indiana, Montana, Nevada and Ohio. Do remote Notaries need special training? It depends on where you live. States like Virginia do not require special RON training whereas other states do. For example, Florida requires a certificate of completion from a two-hour in-person or online training course upon registration as a remote Notary. What tools and technology are needed to perform RON services? Virtual Notaries are required to have access to a computer, webcam, microphone and secure connection to the internet. Your computer must be able to support two-way audio and visual communication to function with a RON technology platform compliant with your state's laws. Several RON technology providers that offer end-to-end online notarization solutions include BlueNotary, DocuSign, DocVerify, Notarize, NotaryCam, OnlineNotary.us, Pavaso, Safedocs, Secured Signing and SIGNiX. Check your state's website for a list of approved vendors. Depending on your commissioning state, you may also need an electronic seal, electronic signature, electronic journal and a digital certificate to provide RON services. What is remote online notarization? Remote online notarization is the act of performing a notarization remotely using two-way audio-video technology. It is the online equivalent of an in-person, paper-based notarization where every part of the process is done via the internet. Like traditional notarizations, RONs begin with the online Notary verifying the signer's identity and ensuring the signer understands the document and is willing to sign it. The signer's wet ink signature is replaced with an electronic signature, and the remote Notary's physical stamp and handwritten signature are replaced with an electronic seal and digital certificate, respectively. Payment is handled at the end of the transaction. How does online notarization work? In online notarizations, the signer personally appears before a remote Notary in real-time using audio-video technology. The Notary verifies the signer's identity using traditional identity proofing methods with the addition of two steps unique to remote online notarizations: knowledge-based authentication (KBA) and credential analysis. Once the online Notary verifies the signer's identity, they complete the notarization with the attachment of an electronic Notary seal and a digital certificate. LOVE

Requirements for Electronic Notary Registration For New and Renewing Notaries Public _____________________________________________________________________________ Before You Submit an Electronic Notary Registration & Upload Your Exemplar ______________________________________________________________________________ 1 You must be a Nevada Appointed Notary Public in "Good Standing" Your electronic Notary Public Registration runs concurrently with your traditional notary commission and is dependent upon your commission being in an “ACTIVE” status. You need to be an Appointed Nevada Notary Public to register a platform for electronic notarizations. This means, when renewing your notary commission, you also need to renew your electronic notary registration for each Electronic Notary Solution Provider you choose to use. ______________________________________________________________________________ 2 You must select a Nevada Approved Electronic Notary Solution Provider To register as Electronic Notary Public, you will need to select a platform provider Approved Electronic Notary Solution Provider can be found on our website at: https://www.nvsos.gov/sos/licensing/notary/electronic-notary-solution-provider-information-1678 ______________________________________________________________________________ 3 You must obtain an Exemplar from an Electronic Notary Solution Provider Your chosen provider will supply you with your Exemplar. ***Please contact your provider if you do not have your Exemplar*** Your Exemplar must includes your Signature & Electronic Seal Your Electronic Signature must match your Notary Public Application for Appointment Signature A Electronic Seal is a secure digital copy of your Notary Stamp which includes the information required to be set forth in NRS 240.040 within your Electronic Notary Solution Provider company’s template. Please do not attempt to create this yourself. ______________________________________________________________________________ 4 You must Complete the State of Nevada Electronic Notary Public Course & Exam This Course and Exam can be found at: https://training.nvsos-training.com/ If you do not have an account, you will need to create one Once in your account: From Course Catalog, enroll in 103 - State of Nevada Electronic Notary Public Course - Once you complete the Training Course you will be able to enroll in the Exam. From Course Catalog, enroll in 104 - State of Nevada Electronic Notary Public Exam - You will need to record a passing score to register your provider - If you fail the Exam, you will need to wait 24 hours to record another score - You will need to retake the Course and Exam when you renew ______________________________________________________________________________ ______________________________________________________________________________ Now You Are Ready To Submit an Electronic Notary Registration ______________________________________________________________________________ Submitting Your Electronic Notary Registration, Uploading an Exemplar And Paying For the Electronic Exam Once you have selected your Electronic Notary Solution Provider, have an Exemplar from you provider, and Passed Electronic Notary Public Exam... You can submit your Electronic Notary Registration and upload your Electronic Notarization Exemplar (PDF) on the SilverFlume website. ______________________________________________________________________________ I Electronic Notary Registration Steps to complete your Electronic Notary Registration: 1. Login to your account on SilverFlume: https://www.nvsilverflume.gov/home 2. Under the “OTHER BUSINESS SERVICES” select the “Notary” link 3. Under the "ELECTRONIC NOTARY" dropdown select the "ELECTRONIC NOTARY REGISTRATION" Complete process (NO UPLOADS required) through to the SilverFlume Shopping Cart - $50.00 _____________________________________________________________________________ _ II Electronic Notarization Exemplar Steps to complete your Electronic Notarization Exemplar: 1. Login to your account on SilverFlume: https://www.nvsilverflume.gov/home 2. Under the “OTHER BUSINESS SERVICES” select the “Notary” link. 3. Under the "ELECTRONIC NOTARY" dropdown menu select the "ELECTRONIC NOTARIZATION EXEMPLAR". UPLOAD a PDF file of your Exemplar. Complete request through to the SilverFlume Shopping Cart - No Fee _________________________________________________________________________ _____ III Paying For the Electronic Exam Steps to pay for your Electronic Notary Exam: 1. Login to your account on SilverFlume: https://www.nvsilverflume.gov/home 2. Under the “OTHER BUSINESS SERVICES” select the “Notary” link 3. Under the "NOTARY" dropdown select the "Fee for eNotary Training or Notary Violation" Complete process (NO UPLOADS required) through to the SilverFlume Shopping Cart - $45.00 ................................................................................................................................................................................. What's Next? Once you have submitted your Electronic Notary Registration and Electronic Notarization Exemplar, the Notary Division staff will review the registration and exemplar pursuant to the qualifications outlined in NRS 240.192. If all eligibility requirements are met, you will be emailed a confirmation of the approval of your electronic notary registration and your provider will be notified of your active status. Remember! You are not authorized to perform an electronic notarization until you have received confirmation of your approval. Please note that once your registration is approved, you must continue to meet all the requirements and duties set forth in NRS 240.181 to 240.206. LOVE

Notary Public Fees Notary Application $35.00 eNotary Registration $50.00 Notary Training $45.00 eNotary Training $45.00 Amendment $10.00 Duplicate Certificate $10.00 Notary Public Commission Amendment Form Request for Amended Certificate of Appointment or E-Notary Registration (PDF) For all changes to a Notary Public's Commission: Name, Address, Phone, and County Change. For requesting duplicate certificates. For reporting Lost or Stolen Notary Public Stamps, Journals, and Electronic Signature or Seal Non-Resident Notary Public Commission Forms Nonresident Notary Public Affidavits of Applicant & Affidavit of Self-Employed Applicant (PDF) Nonresident Employment Affidavits for Self-Employed Applicants. Nonresident Notary Public Affidavit of Applicant & Affidavit of Applicant’s Employer (PDF) Nonresident Employment Affidavits for Individual Employed in Nevada. Payment Forms ePayment Checklist (PDF) This form may be used to submit your notary amendments, appointment requests, and violations. Please note: the ePayment Checklist form is for counter, mail, and fax requests only. LOVE