Create Electronic signature Word iOS

Portable Document FormatThe .pdf files can only be open with pdf reader softwares like the most popular signNow and Foxit Reader. These applications are also available for Android and iOS.Well, we mostly create pdf files for electronic signatures and to make it more safer.As we know, most of the companies uses their unique font style in their documents and if the company send a letter to any of their associates by an email in a Ms Word format. Their associates might find the document in different font style because they are not using the same font style. So pdf documents are not editable which makes them more portable to share. Pdf files maintain the same font style and style in which it was created.You can check by yourself by making documents in a ms word format and pdf format.If u wanna know how to create pdf documents u must google it.

Warning long answer!Since 1990, I’ve been studying the confidentiality of the messaging systems on computers and mobile devices.It was obvious that the electronic forums, emails and SMS messages could easily be intercepted by 3rd parties. Expecting the service providing companies to develop and implement confidentiality protocols were unrealistic. There were never a general consensus about the need for confidentiality or inter-service protocol development.With the discouragement of the governments many computer scientists shied away from creating software to keep communication confidential between parties.Many spy movies showed advanced technologies to keep the communication between spies and their organizations. The most famous being the Enigma machine used by the Germans during the World War 2. British scientist Alan Turing was the one to develop an early version of today’s computers to solve the mystery of the Enigma machine. Like every visionary he had serious problems with the establishment. After the government discovering that he was gay, he was given 2 options. First option was jail time until he turned heterosexual, or chemical castration. Poor Turing chose the second option and after a while he committed suicide. Every cryptologist today remembers to what happened to the first representative of this science.Without getting into the technological terms (they are all available on Wikipedia) the best way to keep conversation confidential is to use a code book between 2 (or more, but more on that later) parties. A code book is a simple definition and a list of codes that is shared between the parties and each code is used only once. Unless the code book is compromised this method of communication privacy is bullet proof. There is no computer in the world, and there won’t be any in the future that can figure out what the communication is. The only method would be the old school spying on the parties who are communicating between each other.If I need to give an example for the method above, it would be like, let’s choose a newspaper that is accessible to both parties. That will be our message base.Let’s define a codebook now:First code in the book is3–4,6–7,1–2 and repeats itselfsecond code is5–7,3–1,8–5,4–2 and repeats itselfSo let’s say I send you a message today like20,42,15,5,8,67,23,56,12,43,13,11,10Since it is our first message exchange you will use the first code in the book. Also our message base is only known to us which also makes it even more difficult for others to understand the secret message I just sent you.To understand the message, here is what you do: you pick up today’s New York Times which is the newspaper we agreed to use.Take the first number in the secret message which is 20, then look in the codebook for the first code which is 3–4. You go to the 3rd page find the 4th paragraph and get the 20th character and repeat this process for each number in the secret message I sent.Let’s say MI6 is trying to intercept the message, which they do because I sent the message by email or SMS or event with both to you.All they have is 20,42,15,5,8,67,23,56,12,43,13,11,10 and they have no idea what it means. They don’t know which text source we used, which was New York Times and they don’t know the code we used for that message which was 3–4,6–7,1–2. We can even make this more difficult, for each day of the week we use a different newspaper that we agree upon.And let’s say MI6 figures out which newspaper we use for each day, let’s say they even figure out our code mechanism which is the page, paragraph and character to decode the secret message.As long as we use each line of code only once and never repeat used codes, there is virtually no way that MI6 to figure out our conversation. Except of course sending their double o agent to one of us and beating us in the head with an iron bar which would make us sing like a bird and spill all the secrets.As you can see in the example an iron bar, strategically placed on your head with a moderate blow would break all the code we established.That reality aside, if I whisper to your ear the newspaper names and hand you a piece of paper with a list of codes which I also have the same copy, until ve run out of codes there is no way our communication can be interpreted when intercepted.The difficulty in this type of message confidentiality is sharing and keeping a piece of paper with a list of codes and do the code exchange again when the list of codes are depleted and never use a code again.When this is not possible for practical reasons like distance between parties or the number of messages exchanged being too high and frequent the methodology used is computer based encryption (ensuring the confidentiality of communication between parties) of messages.This is also not so unlike what we did in the first example. To create our never ending codes is that for each message we exchange we use 3 constants. You have a master key, a public key and we agree on a mathematical formula which is very very difficult for the computer to solve. The difficulty here ensures that the time to try every combination of variables (without the master key) for the formula is so long, it practically makes it impossible for others to guess our code list.In this method I also have a master key and a public key. To solve the issue of keeping a list of established codes and communicating that between parties we freely exchange our public keys with everyone and when I’m sending you a message, I use your public key (any of my keys except generating a special signature with my private key so that you can validate with my public key that ensures the message has originated really from me) to create a confidential message. When you receive it by email, SMS or regular post mail, you use your private key which can only find out the contents of the confidential message. And since we are talking about computer systems, we protect our private keys with passwords.I don’t like using names given by computer engineers or any other technical person but for the sake of clarification this master/public key and an established algorithm to use is called public private key cryptology.Another term I don’t like is ‘end to end encryption’. This is to confirm that the cryptology method used can not be intercepted by other parties and only the recipient can understand the contents of the message.One company who has developed an implementation of end to end encryption is Open Whisper Systems. They named their product ‘Signal’ which is a platform and also the name of their app on iOS and Android. Their product uses this public private key cryptology to ensure the text and voice communications between parties to stay confidential. Supposedly the infamous NSA whistle blower Edward Snowden uses their app and he considers it quite good.Now let’s circle back to the WhatsApp security issue. WhatsApp is using the protocol established by the Open Whisper Systems for their public private key protected communications (audio, video and text messages).The problem is the user friendliness of the Signal app is not good. There are certain times that these public and private keys have to be changed. 2 example of those times is if you change your phone or uninstall / reinstall your app (whichever app you are using, Signal or WhatsApp)To test the user friendliness of Signal App’s handling the change of the key pairs (public private key combinations) I used my regular human guinea pig Riz. It was very difficult for me to explain what he has to do and also to find the location of the menu items were horribly difficult. After cursing at me and the app designers many times Riz completed the approval of the new key exchange between us so we could communicate again.Let’s have a look into how WhatsApp has implemented this renewal of key pairs between users. Since authenticity of a user can only identified by trusting their private key signed signature and for the likely case of the user have a new phone or has reinstalled the WhatsApp App, WhatsApp servers keep a copy of the secret message until the recipient downloads it. Now let’s say that you sent me a message while I was offline and I changed phones meanwhile. When I get that message from you what the Signal app does is, it warns me and it won’t let you communicate with you until I approve your new public key (in the style of a combined public keys of both parties because there is only one code that needs to be verified on both ends). Instead of asking user to do the verification what WhatsApp does it re-encrypts your message with my new key again (in their explanation by asking your WhatsApp to keep that message in memory in encrypted form and first decrypt then re-encrypt the same message with my new public key) without asking neither of us to re-confirm the identity of both parties.This technically opens up a backdoor for intelligence agencies to decrypt the messages between parties.How does that happen? WhatsApp confirms App installation by SMS confirmation. Let’s say I want to intercept your WhatsApp messages. I send a team in a delivery van which looks like a repair van but which has a mobile communication signal jammer to your home address. The jamming is smart enough to make your phone think it is still in network coverage so you don’t suspect a thing unless you try to make a call which will look like mobile network is crowded and unavailable. While I knock your phone off the network I can do 2 things, I can either intercept any SMS messages which comes your way in my service van, or give a court order to the mobile phone company to give me a copy of your SMS messages in real time.Then I install WhatsApp on a new phone, enter your phone number as my number and receive a copy of the SMS confirmation with the verification number and enter it in WhatsApp. From that moment on I will receive any waiting (since I knocked you off mobile network) and any news messages WhatsApp users send to you.Intentional or unintentional this is a secret door that can be easily used by government agencies.If I used the above technique to intercept messages between Signal users, what would happen were to be, first I couldn’t receive any messages waiting in the cloud because Signal does not keep messages in the cloud, when you are offline, the message waits in the sender’s Signal App. When the sender tries to send a new or resend the unsent message to you, my new installation of Signal app on my government agency phone will inform your friend, the sender that I’ve changed our shared agreed secret code and asks your friend if s/he wants to approve this new installation on the other end by confirming the new shared secret code with you. When s/he calls you on your landline, you say you haven’t installed a new WhatsApp on your phone or changed phones, you both understand that there is another party in between trying to intercept your messages.Now, WhatsApp says that there is an option in their App, under Settings / Account / Security / Show Security Notifications which is by default off. If you turn this ON then their claim is you will receive notifications when a contact’s security code has changed. They don’t say if the messages will still be delivered in spite of a security notification or not. They add that ‘The messages you send your calls are encrypted regardless of this setting, WHEN POSSIBLE’. I capitalized the last 2 words, what the heck ‘WHEN POSSIBLE’ mean? They also do not say anything about the messages you are going to receive. Even though you enable this warning setting on, if your friend’s setting is not on, they will not be notified if the messages they are sending to you are intercepted.This unintentional secret door is called a ‘user friendly design choice’ by WhatsApp. It is such a user friendly design choice it is government agents friendly as well. I can’t imagine how many diplomats already delivered confidential messages to enemy agencies using WhatsApp. Diplomats in Brussels wake up and smell the coffee…

When it comes down to choosing a good solution to manage your documents, whether you’re an individual, or part of a company, there are a few things to consider, and it basically boils down to what you need the software to accomplish, how much automation you want, how easy do you want it to be.A good all around option I’d suggest checking out it Kdan Document 365. It has some nice features to help you manage your PDFs (editing, signing, etc.,) and other kinds of documents you might be working with. If you’re part of a company, it’s easy to share and collaborate on projects/documents/presen...

Since 1990, I’ve been studying the confidentiality of the messaging systems on computers and mobile devices.It was obvious that the electronic forums, emails and SMS messages could easily be intercepted by 3rd parties. Expecting the service providing companies to develop and implement confidentiality protocols were unrealistic. There were never a general consensus about the need for confidentiality or inter-service protocol development.With the discouragement of the governments many computer scientists shied away from creating software to keep communication confidential between parties.Many spy movies showed advanced technologies to keep the communication between spies and their organizations. The most famous being the Enigma machine used by the Germans during the World War 2. British scientist Alan Turing was the one to develop an early version of today’s computers to solve the mystery of the Enigma machine. Like every visionary he had serious problems with the establishment. After the government discovering that he was gay, he was given 2 options. First option was jail time until he turned heterosexual, or chemical castration. Poor Turing chose the second option and after a while he committed suicide. Every cryptologist today remembers to what happened to the first representative of this science.Without getting into the technological terms (they are all available on Wikipedia) the best way to keep conversation confidential is to use a code book between 2 (or more, but more on that later) parties. A code book is a simple definition and a list of codes that is shared between the parties and each code is used only once. Unless the code book is compromised this method of communication privacy is bullet proof. There is no computer in the world, and there won’t be any in the future that can figure out what the communication is. The only method would be the old school spying on the parties who are communicating between each other.If I need to give an example for the method above, it would be like, let’s choose a newspaper that is accessible to both parties. That will be our message base.Let’s define a codebook now:First code in the book is3–4,6–7,1–2 and repeats itselfsecond code is5–7,3–1,8–5,4–2 and repeats itselfSo let’s say I send you a message today like20,42,15,5,8,67,23,56,12,43,13,11,10Since it is our first message exchange you will use the first code in the book. Also our message base is only known to us which also makes it even more difficult for others to understand the secret message I just sent you.To understand the message, here is what you do: you pick up today’s New York Times which is the newspaper we agreed to use.Take the first number in the secret message which is 20, then look in the codebook for the first code which is 3–4. You go to the 3rd page find the 4th paragraph and get the 20th character and repeat this process for each number in the secret message I sent.Let’s say MI6 is trying to intercept the message, which they do because I sent the message by email or SMS or event with both to you.All they have is 20,42,15,5,8,67,23,56,12,43,13,11,10 and they have no idea what it means. They don’t know which text source we used, which was New York Times and they don’t know the code we used for that message which was 3–4,6–7,1–2. We can even make this more difficult, for each day of the week we use a different newspaper that we agree upon.And let’s say MI6 figures out which newspaper we use for each day, let’s say they even figure out our code mechanism which is the page, paragraph and character to decode the secret message.As long as we use each line of code only once and never repeat used codes, there is virtually no way that MI6 to figure out our conversation. Except of course sending their double o agent to one of us and beating us in the head with an iron bar which would make us sing like a bird and spill all the secrets.As you can see in the example an iron bar, strategically placed on your head with a moderate blow would break all the code we established.That reality aside, if I whisper to your ear the newspaper names and hand you a piece of paper with a list of codes which I also have the same copy, until ve run out of codes there is no way our communication can be interpreted when intercepted.The difficulty in this type of message confidentiality is sharing and keeping a piece of paper with a list of codes and do the code exchange again when the list of codes are depleted and never use a code again.When this is not possible for practical reasons like distance between parties or the number of messages exchanged being too high and frequent the methodology used is computer based encryption (ensuring the confidentiality of communication between parties) of messages.This is also not so unlike what we did in the first example. To create our never ending codes is that for each message we exchange we use 3 constants. You have a master key, a public key and we agree on a mathematical formula which is very very difficult for the computer to solve. The difficulty here ensures that the time to try every combination of variables (without the master key) for the formula is so long, it practically makes it impossible for others to guess our code list.In this method I also have a master key and a public key. To solve the issue of keeping a list of established codes and communicating that between parties we freely exchange our public keys with everyone and when I’m sending you a message, I use your public key (any of my keys except generating a special signature with my private key so that you can validate with my public key that ensures the message has originated really from me) to create a confidential message. When you receive it by email, SMS or regular post mail, you use your private key which can only find out the contents of the confidential message. And since we are talking about computer systems, we protect our private keys with passwords.I don’t like using names given by computer engineers or any other technical person but for the sake of clarification this master/public key and an established algorithm to use is called public private key cryptology.Another term I don’t like is ‘end to end encryption’. This is to confirm that the cryptology method used can not be intercepted by other parties and only the recipient can understand the contents of the message.One company who has developed an implementation of end to end encryption is Open Whisper Systems. They named their product ‘Signal’ which is a platform and also the name of their app on iOS and Android. Their product uses this public private key cryptology to ensure the text and voice communications between parties to stay confidential. Supposedly the infamous NSA whistle blower Edward Snowden uses their app and he considers it quite good.Now let’s circle back to the WhatsApp security issue. WhatsApp is using the protocol established by the Open Whisper Systems for their public private key protected communications (audio, video and text messages).The problem is the user friendliness of the Signal app is not good. There are certain times that these public and private keys have to be changed. 2 example of those times is if you change your phone or uninstall / reinstall your app (whichever app you are using, Signal or WhatsApp)To test the user friendliness of Signal App’s handling the change of the key pairs (public private key combinations) I used my regular human guinea pig Riz. It was very difficult for me to explain what he has to do and also to find the location of the menu items were horribly difficult. After cursing at me and the app designers many times Riz completed the approval of the new key exchange between us so we could communicate again.Let’s have a look into how WhatsApp has implemented this renewal of key pairs between users. Since authenticity of a user can only identified by trusting their private key signed signature and for the likely case of the user have a new phone or has reinstalled the WhatsApp App, WhatsApp servers keep a copy of the secret message until the recipient downloads it. Now let’s say that you sent me a message while I was offline and I changed phones meanwhile. When I get that message from you what the Signal app does is, it warns me and it won’t let you communicate with you until I approve your new public key (in the style of a combined public keys of both parties because there is only one code that needs to be verified on both ends). Instead of asking user to do the verification what WhatsApp does it re-encrypts your message with my new key again (in their explanation by asking your WhatsApp to keep that message in memory in encrypted form and first decrypt then re-encrypt the same message with my new public key) without asking neither of us to re-confirm the identity of both parties.This technically opens up a backdoor for intelligence agencies to decrypt the messages between parties.How does that happen? WhatsApp confirms App installation by SMS confirmation. Let’s say I want to intercept your WhatsApp messages. I send a team in a delivery van which looks like a repair van but which has a mobile communication signal jammer to your home address. The jamming is smart enough to make your phone think it is still in network coverage so you don’t suspect a thing unless you try to make a call which will look like mobile network is crowded and unavailable. While I knock your phone off the network I can do 2 things, I can either intercept any SMS messages which comes your way in my service van, or give a court order to the mobile phone company to give me a copy of your SMS messages in real time.Then I install WhatsApp on a new phone, enter your phone number as my number and receive a copy of the SMS confirmation with the verification number and enter it in WhatsApp. From that moment on I will receive any waiting (since I knocked you off mobile network) and any news messages WhatsApp users send to you.Intentional or unintentional this is a secret door that can be easily used by government agencies.If I used the above technique to intercept messages between Signal users, what would happen were to be, first I couldn’t receive any messages waiting in the cloud because Signal does not keep messages in the cloud, when you are offline, the message waits in the sender’s Signal App. When the sender tries to send a new or resend the unsent message to you, my new installation of Signal app on my government agency phone will inform your friend, the sender that I’ve changed our shared agreed secret code and asks your friend if s/he wants to approve this new installation on the other end by confirming the new shared secret code with you. When s/he calls you on your landline, you say you haven’t installed a new WhatsApp on your phone or changed phones, you both understand that there is another party in between trying to intercept your messages.Now, WhatsApp says that there is an option in their App, under Settings / Account / Security / Show Security Notifications which is by default off. If you turn this ON then their claim is you will receive notifications when a contact’s security code has changed. They don’t say if the messages will still be delivered in spite of a security notification or not. They add that ‘The messages you send your calls are encrypted regardless of this setting, WHEN POSSIBLE’. I capitalized the last 2 words, what the heck ‘WHEN POSSIBLE’ mean? They also do not say anything about the messages you are going to receive. Even though you enable this warning setting on, if your friend’s setting is not on, they will not be notified if the messages they are sending to you are intercepted.This unintentional secret door is called a ‘user friendly design choice’ by WhatsApp. It is such a user friendly design choice it is government agents friendly as well. I can’t imagine how many diplomats already delivered confidential messages to enemy agencies using WhatsApp. Diplomats in Brussels wake up and smell the coffee…

Mobile Banking Disclosures - County FCUMCD Frequently Asked Questions“Mobile Check Deposit FAQsWhat is Mobile Check Deposit?Members First Credit Union Mobile Check Deposit is a secure, online service that allows you to deposit checks into eligible MFCU accounts from your mobile device. Through the MFCU Mobile App, you can photograph a check with the camera feature on a smart phone device and deposit it electronically to your MFCU account.How does Mobile Check Deposit work?With Mobile Check Deposit, you can safely deposit checks from home, work or anywhere else you have access to an iOS or Android device with a camera and a connection to the Internet.Download our free Mobile Banking app and log-in to your accountSelect Mobile Check Deposit Enrollment from the Payment Options tab within the menu of your Mobile App or Online Banking, read and accept the Terms and Conditions and click AcceptLog out of your account, launch the Mobile App and then log in to use Mobile Check DepositSelect Mobile Check Deposit from the Transactions tabChoose the account you wish to deposit funds toEnter the deposit amount of the check and click saveClick Capture ImagePlace your check on a flat surface, line it up within the brackets, click Capture Front. Flip your check over, line it up within the brackets and click Capture Back. Make sure the back is endorsed with “For MFCU Mobile Deposit Only” with your signature below the statement.Scroll down to review and approve the images of the checkClick Submit DepositWhat types of checks can be deposited with Mobile Check Deposit?MFCU accepts checks drawn on financial institutions within the United States, excluding its territories. This includes:Personal checksCorporate/business checksCashier's checksGovernment checksWhat types of checks CANNOT be deposited with Mobile Check Deposit?The following items are not eligible for Mobile Check Deposit:Checks or items payable to any person or entity other than the owners on the account for which the check is being depositedChecks prohibited by, or received in violation of, any law, rule or regulationThird Party checksPost-dated checksChecks that have been previously cashed or depositedChecks payable to “cash”Checks or items containing an obvious alteration to any of the fields on the front, or checks or items which you know, suspect or should know or suspect to be fraudulentChecks drawn on your own checking account with MFCUChecks or items not payable in United States currencyChecks that have been remotely createdItems drawn on financial institutions located outside the United StatesItems previously converted to a substitute checkChecks to be directly deposited into your IRA or Certificate of DepositMoney orders and travelers checksConvenience checks (checks drawn off a credit card for a cash advance)Amex Gift ChequesChecks that require authorizationState-issued registered warrantsChecks that appear irregular in any wayWhy must the check be endorsed with the words "For MFCU Mobile Deposit Only”?This specific endorsement ensures that checks deposited through Mobile Check Deposit will not be deposited again at a Members First Credit Union branch or at another financial institution. It is one of many security measures we have put in place to protect member accounts from theft and fraud. Checks that are not endorsed as specified will be rejected by Members First Credit Union.Are there fees associated with Mobile Deposit?The Mobile Check Deposit service is FREE to MFCU members making deposits to their eligible account(s).Is my financial information secure with Mobile Check Deposit?YES! The Mobile Check Deposit service is offered through Mobile Banking, which requires you to log in with your unique Username and Password. To prevent unauthorized access to your account, be sure to log out of Mobile Banking once your online account activities have been completed.How does Mobile Check Deposit identify and prevent fraud?We require each item to be endorsed with the signature of the payee and "For MFCU Mobile Deposit Only." This way, checks deposited through Mobile Check Deposit cannot be deposited again at a Members First Credit Union branch or another financial institution. The Mobile Check Deposit approval process also includes a review of each deposited item, and automatically detects duplicate deposits.What are the deposit and transaction limits?Accounts have a $5,000 per check, per day limit.When will deposited funds be available in my account?Checks that are deposited via Mobile Check Deposit will be reviewed and credited to your account, on a case by case basis. Most check deposits will have same day or next business day funds availability. You will receive a notice of an extended hold if funds are held beyond next business day.If you deposit a check Monday-Friday before 2:00 PM EST funds will be available that day based on our Terms and Conditions.If you deposit a check Monday – Friday after 2:00 PM EST, Saturday, Sunday or a Holiday, funds will be available the following business day based on our Terms and Conditions.Who is eligible for Mobile Check Deposit?Members with an account in good standing are eligible for Mobile Check Deposit.How do I enroll in Mobile Check Deposit?To enroll your eligible account, select the Mobile Check Deposit option from the eServices tab in the menu of your Mobile Banking app; then read and accept the Terms and Conditions.What are the guidelines for taking a good picture for Mobile Check Deposit?Make sure your check image follows these conditions:Take the picture in a well-lit areaAvoid shadows such as those created by holding the camera between the check and the light sourceOnly the check you are working with should be visible in the pictureAvoid having other objects in the frame, such as other papers, pens, etc.Take the picture of your check against a darker background colorMake sure the check is not cut off by the edge of the view window, a deep shadow, or other objects. All four corners of the check need to be visible.Make sure the image is sharp and focused. For some devices this means pulling back from the check so the image does not blur.Make sure your check is endorsed with “For MFCU Mobile Deposit Only” and your signatureHow will I be notified if there is a problem with my deposit?You will receive an email within an hour of your check deposit stating if your check has been approved or rejected for processing.After your check has been approved for processing, you could receive a Secure Message within Online Banking stating one the following:Your check is on holdYour check has been rejected and whyWhat steps should I take if my Mobile Check Deposit is declined?If your deposit item is declined, you will receive notification by e-mail or secure message, indicating the reason for the decline. If you feel you need to discuss the matter in more detail, you can contact us at 855.835.MFCU (6328) during normal business hours. Reasons that deposit items may be declined include:Ineligible checkNon-negotiableMissing signatureMissing endorsementStale datedPost-datedDuplicate checkPoor image qualityDaily deposit limit exceededUnacceptable itemOtherHow long should I retain my original check? What happens if I discard the check and an issue arises?For your protection, retain the original check for at least two weeks AFTER receiving confirmation that it has posted to your account. When you are ready to discard it, mark it "VOID" and dispose of it in a way that prevents it from being presented for payment again. If an issue should arise and the original check is no longer available, please contact the issuer of the check to obtain a copy of the check that can be re-submitted for deposit.What should I do if I need help using Mobile Check Deposit?The Mobile Check Deposit service is designed to be a user-friendly, self-service product. If you need assistance, please visit our branch locations or contact our Call Center at 855.835.MFCU (6328) during normal business hours.”