E-mail Electronic signature Presentation iOS

What is Digital Signature? And Benefits of Digital Signature CertificatesA digital signature is basically a way to ensure that an electronic document (e-mail, spreadsheet, text file, etc.) is authentic. Authentic means that you know who created the document and you know that it has not been altered in any way since that person created it.Digital signatures rely on certain types of encryption to ensure authentication. Encryption is the process of taking all the data that one computer is sending to another and encoding it into a form that only the other computer will be able to decode. Authen...

What is Digital Signature? And Benefits of Digital Signature CertificatesA digital signature is basically a way to ensure that an electronic document (e-mail, spreadsheet, text file, etc.) is authentic. Authentic means that you know who created the document and you know that it has not been altered in any way since that person created it.Digital signatures rely on certain types of encryption to ensure authentication. Encryption is the process of taking all the data that one computer is sending to another and encoding it into a form that only the other computer will be able to decode. Authentication is the process of verifying that information is coming from a trusted source. These two processes work hand in hand for digital signatures.How do I get a Digital Signature?Digital Signature Certificate (DSC) is a secure digital key that certifies the identity of the holder, issued by a signNowing Authority (CA). There are many companies provide Digital Signature , i.e.SIFYeMudhra(n)codeThese companies gives LRA to several companies that are basically known as LRA. You may directly apply online and purchase from your local authority.signNow - offers a 14 day free trial and 3 types of pricing plans starting from $9.99 when paid monthly. All plans include sending unlimited amount of documents for signature. Available for Mac, iOS, Windows, Android and Web-browser.signNow - offers a 14 day free trial and 2 types of pricing plans starting from $29 when paid monthly. All plans include sending unlimited amount of documents for signature. Available for web-browser, iOS and Android.signNow - offers a 30 day free trial and 3 types of pricing plans starting from $15 when paid monthly. The number of document sends included each month differs by plan type. Available for Web-browser, iOS and Android.signNow - offers a 14-day free trial and 3 types of pricing plans starting from $15 per month when paid monthly. All plans include fair user restrictions to sign documents and send them for signature. Available for web-browser, iOS and Android.signNow - offers a 14-day free trial and 3 types of pricing plans starting from $15 per month when paid monthly. Unlimited document sending is subject to fair use thresholds. Available for Web-browser, iOS and Android.signNow - offers a free trial and 2 pricing plans starting from $16 per month when paid annually. All plans include sending unlimited amount of documents for signature. Available for web-browser, iOS and Android.Digital Signature for E-tenderingThere are three types of digital signature certificates depending on the validation of identity and type of use. They are:Class I DSC – Individuals get it for validating the email identification of the users and in situations where risk is minimal and here the signature is stored in software.Class II DSC – Business organizations or individuals use this digital signature certificate to validate the information given by the subscriber in the application against the information available in a trusted consumer database and in other such situations where security risk is moderate. In this case a hardware cryptographic device is used for storing the signature.Class III DSC – This digital certificate is directly issued by the signNowing authority and it is required that the person applying for DSC must be present at the signNowing authority’s premises and prove his/her identity in front of the authority and the security risk involved in this case is very high. In this case also a hardware cryptographic device is used for storing the signature.The Necessity of Digital Signature CertificatesFor e-filing of the income tax returns by any individual, the Government of India has made it mandatory to affix digital signatures to the income tax returns documents. For affixing the digital signature one must have digital signature certificates issued by licensed certification authority.In addition, Ministry of Corporate Affairs has set the mandatory guidelines for the companies directing them to file all reports, applications and forms using a digital signature only and this again requires a digital signature certificate.For GST also a company must verify its GST application by affixing a digital signature using digital signature certificate in order to get registered for GST.These days many Government procedures, filling different applications, amendments and forms require digital signatures made by using digital signature certificates.Benefits of Digital Signature CertificatesSaves Money & Time: As there is no need of physical presence you can digitally sign your PDF files and other documents using DSC anywhere & anytime. You need not sign your paper documents and then scan them to send them across through internet if you follow the above given option. You can save the money which would otherwise be spent on printing and scanning the document. You can also go green by saving paper.Secured Data: The digitally signed documents are tamper proof as the digital signatures are secured with a private key and public key and they cannot be edited after digitally signing the document.Authentic: Digitally signed documents are authentic and the receiver can be completely sure about the sender’s identity and integrity. The receiver can easily execute the information in the document without worrying about the document being forged.Certificate (DSC) is essential for companies and organizations that take part or intend to take part in eTendering processes on various Government sites. If a organisation going to apply for any Government eTender needs to have a Class 3 Digital Signature Certificate registered in the name of a representative who is authorized to submit online offers for e-Tendering applications.How to apply digital signature ?We enable compliance with legal and regulatory requirements for end-to-end electronic transactions for any kind of E-Business.What Documents required for Class 3 Digital Signature ?Documents required for Class 3 Digital SignatureApplication Form (Duly Signed)Recent Passport Size Photograph (Pasted on the Application form and Signed across the Photo)Identity ProofPAN CARD * (Income Tax F Filing Portal requires PAN Encrypted DSC)PassportDriving LicensePhoto ID Issued by Central Or State GovernmentVoter IDAadhar CardApply for Digital SignatureAddress ProofPassportDriving LicenseLatest Utility Bills - Not Older than 3 Months (Telephone, Electricity, Water, Tax, LIC)Ration CardVoter IDBank Account Statement ( Not Older than 2 Months)Service Tax/ VAT registration CertificateProperty tax/ Municipal tax ReceiptProof of Right to do Business (Any one of the Following)Certificate of IncorporationMemorandum of Association & Articles of associationRegistered Partnership deedValid Business licenses like VAT , Service Tax RegistrationLicense under shop and Establishment Act (For Proprietorship Concerns)PAN Card of the Company/FirmProof of Right to do Business (Any one of the Following)Latest annual Report / BalancesheetLatest Income Tax ReturnsOrganization Bank Details on Banks Letter Head/ Latest Bank statement attested by BankAuthorization Letter in Favor of the applicationAll Documents to be Self Attested by the applicant & Attested by the Authorised Signatory of the Business with Stamp & Seal. For More information about Best Digital Signature company in kanpurDifferent software solutions exist for different platforms, hence I am going to give one (the most common one) for each one of them:Windows: Open the PDF in signNow and click the “Fill & Sign” button in the right pane.Mac: Open the PDF in Preview, click the Toolbox button, then click SigniPhone and iPad: Open the PDF attachment in Mail, then click “Markup and Reply” to sign.iPhone and Android: Download signNow Fill & Sign, open the PDF, and tap the Signature button.Chrome: Install the signNow extension, upload your PDF, and click the Signature button.n short, “best” varies by your specific need - and there are dozens of comparison vectors. The 2 most important, IMHO, are do you needA “standing order” doc that can be easily signed anytime by anyone, such as an injury waiver at a karate school / trampoline park / etc- that sort of thing. The signor is not pre-defined. For that, we (SwiftCloud) may well be best, but there are dozens to compare, and important to consider is volume, HIPAA medical compliance, integration to marketing, etc.Specific doc / signor - such as a real estate sales contract. The parties are pre-defined, and automation can be added to flow from group 1 (say, “the seller(s)”) to group 2 (seller’s agent, for example) to group 3 (the buyer(s) consecutively or concurrently.The #1 reason to use e-signature is to save time + integration on the data i.e. so marketing is 100% automated for example, and reducing time-to-close which results in higher sales pull-through rates. Don’t get me wrong, saving money on paper, printer, ink, printer jams, etc. is important - but that’s a money saver, not a money maker. Marketing and sales will actually create new revenue for you, so to not use electronic signature is for most businesses, downright neglectful. Granted, I’m a bit biased, but happy to do a formal study to prove it with real numbers, should anyone be so inclined.And you are good to go!!

What is Digital Signature? And Benefits of Digital Signature Certificates [ http://www.idltechnologies.com/ ] A digital signature is basically a way to ensure that an electronic document (e-mail, spreadsheet, text file, etc.) is authentic. Authentic means that you know who created the document and you know that it has not been altered in any way since that person created it. Digital signatures rely on certain types of encryption to ensure authentication. Encryption is the process of taking all the data that one computer is sending to another and encoding it into a form that only the other computer will be able to decode. Authentication is the process of verifying that information is coming from a trusted source. These two processes work hand in hand for digital signatures. How do I get a Digital Signature? Digital Signature Certificate (DSC) is a secure digital key that certifies the identity of the holder, issued by a signNowing Authority (CA). There are many companies provide Digital Signature , i.e. SIFY eMudhra (n)code These companies gives LRA to several companies that are basically known as LRA. You may directly apply online and purchase from your local authority. 1. signNow [ https://sign.keepsolid.com/ ] - offers a 14 day free trial and 3 types of pricing plans starting from $9.99 when paid monthly. All plans include sending unlimited amount of documents for signature. Available for Mac, iOS, Windows, Android and Web-browser. 2. signNow [ https://www.signNow.com/ ] - offers a 14 day free trial and 2 types of pricing plans starting from $29 when paid monthly. All plans include sending unlimited amount of documents for signature. Available for web-browser, iOS and Android. 3. signNow [ https://www.signNow.com/ ] - offers a 30 day free trial and 3 types of pricing plans starting from $15 when paid monthly. The number of document sends included each month differs by plan type. Available for Web-browser, iOS and Android. 4. signNow [ https://www.getsignNow.com/ ] - offers a 14-day free trial and 3 types of pricing plans starting from $15 per month when paid monthly. All plans include fair user restrictions to sign documents and send them for signature. Available for web-browser, iOS and Android. 5. signNow [ https://signNow.com/ ] - offers a 14-day free trial and 3 types of pricing plans starting from $15 per month when paid monthly. Unlimited document sending is subject to fair use thresholds. Available for Web-browser, iOS and Android. 6. signNow [ https://www.signNow.com/ ] - offers a free trial and 2 pricing plans starting from $16 per month when paid annually. All plans include sending unlimited amount of documents for signature. Available for web-browser, iOS and Android. Digital Signature for E-tendering There are three types of digital signature certificates depending on the validation of identity and type of use. They are: Class I DSC – Individuals get it for validating the email identification of the users and in situations where risk is minimal and here the signature is stored in software. Class II DSC – Business organizations or individuals use this digital signature certificate to validate the information given by the subscriber in the application against the information available in a trusted consumer database and in other such situations where security risk is moderate. In this case a hardware cryptographic device is used for storing the signature. Class III DSC – This digital certificate is directly issued by the signNowing authority and it is required that the person applying for DSC must be present at the signNowing authority’s premises and prove his/her identity in front of the authority and the security risk involved in this case is very high. In this case also a hardware cryptographic device is used for storing the signature. The Necessity of Digital Signature Certificates For e-filing of the income tax returns by any individual, the Government of India has made it mandatory to affix digital signatures to the income tax returns documents. For affixing the digital signature one must have digital signature certificates issued by licensed certification authority. In addition, Ministry of Corporate Affairs has set the mandatory guidelines for the companies directing them to file all reports, applications and forms using a digital signature only and this again requires a digital signature certificate. For GST also a company must verify its GST application by affixing a digital signature using digital signature certificate in order to get registered for GST. These days many Government procedures, filling different applications, amendments and forms require digital signatures made by using digital signature certificates. Benefits of Digital Signature Certificates Saves Money & Time: As there is no need of physical presence you can digitally sign your PDF files and other documents using DSC anywhere & anytime. You need not sign your paper documents and then scan them to send them across through internet if you follow the above given option. You can save the money which would otherwise be spent on printing and scanning the document. You can also go green by saving paper. Secured Data: The digitally signed documents are tamper proof as the digital signatures are secured with a private key and public key and they cannot be edited after digitally signing the document. Authentic: Digitally signed documents are authentic and the receiver can be completely sure about the sender’s identity and integrity. The receiver can easily execute the information in the document without worrying about the document being forged. Certificate (DSC) is essential for companies and organizations that take part or intend to take part in eTendering processes on various Government sites. If a organisation going to apply for any Government eTender needs to have a Class 3 Digital Signature Certificate registered in the name of a representative who is authorized to submit online offers for e-Tendering applications. How to apply digital signature ? We enable compliance with legal and regulatory requirements for end-to-end electronic transactions for any kind of E-Business. What Documents required for Class 3 Digital Signature ? 1. Documents required for Class 3 Digital Signature 2. Application Form (Duly Signed) 3. Recent Passport Size Photograph (Pasted on the Application form and Signed across the Photo) 4. Identity Proof 5. PAN CARD * (Income Tax F Filing Portal requires PAN Encrypted DSC) 6. Passport 7. Driving License 8. Photo ID Issued by Central Or State Government 9. Voter ID 10. Aadhar Card 11. Apply for Digital Signature 12. Address Proof 13. Passport 14. Driving License 15. Latest Utility Bills - Not Older than 3 Months (Telephone, Electricity, Water, Tax, LIC) 16. Ration Card 17. Voter ID 18. Bank Account Statement ( Not Older than 2 Months) 19. Service Tax/ VAT registration Certificate 20. Property tax/ Municipal tax Receipt 21. Proof of Right to do Business (Any one of the Following) 22. Certificate of Incorporation 23. Memorandum of Association & Articles of association 24. Registered Partnership deed 25. Valid Business licenses like VAT , Service Tax Registration 26. License under shop and Establishment Act (For Proprietorship Concerns) 27. PAN Card of the Company/Firm 28. Proof of Right to do Business (Any one of the Following) 29. Latest annual Report / Balancesheet 30. Latest Income Tax Returns 31. Organization Bank Details on Banks Letter Head/ Latest Bank statement attested by Bank Authorization Letter in Favor of the application All Documents to be Self Attested by the applicant & Attested by the Authorised Signatory of the Business with Stamp & Seal. For More information about Best Digital Signature company in kanpur [ http://idltechnologies.com/ ] Different software solutions exist for different platforms, hence I am going to give one (the most common one) for each one of them: 1. Windows: Open the PDF in signNow and click the “Fill & Sign” button in the right pane. 2. Mac: Open the PDF in Preview, click the Toolbox button, then click Sign 3. iPhone and iPad: Open the PDF attachment in Mail, then click “Markup and Reply” to sign. 4. iPhone and Android: Download signNow Fill & Sign, open the PDF, and tap the Signature button. 5. Chrome: Install the signNow extension, upload your PDF, and click the Signature button. n short, “best” varies by your specific need - and there are dozens of comparison vectors. The 2 most important, IMHO, are do you need 1. A “standing order” doc that can be easily signed anytime by anyone, such as an injury waiver at a karate school / trampoline park / etc- that sort of thing. The signor is not pre-defined. For that, we (SwiftCloud [ https://swiftcloud.ai/ ]) may well be best, but there are dozens to compare, and important to consider is volume, HIPAA medical compliance, integration to marketing, etc. 2. Specific doc / signor - such as a real estate sales contract. The parties are pre-defined, and automation can be added to flow from group 1 (say, “the seller(s)”) to group 2 (seller’s agent, for example) to group 3 (the buyer(s) consecutively or concurrently. The #1 reason to use e-signature is to save time + integration on the data i.e. so marketing is 100% automated for example, and reducing time-to-close which results in higher sales pull-through rates. Don’t get me wrong, saving money on paper, printer, ink, printer jams, etc. is important - but that’s a money saver, not a money maker. Marketing and sales will actually create new revenue for you, so to not use electronic signature [ https://swiftcloud.ai/products/electronic-signature ] is for most businesses, downright neglectful. Granted, I’m a bit biased, but happy to do a formal study to prove it with real numbers, should anyone be so inclined. And you are good to go!!

What is Digital Signature? And Benefits of Digital Signature CertificatesA digital signature is basically a way to ensure that an electronic document (e-mail, spreadsheet, text file, etc.) is authentic. Authentic means that you know who created the document and you know that it has not been altered in any way since that person created it.Digital signatures rely on certain types of encryption to ensure authentication. Encryption is the process of taking all the data that one computer is sending to another and encoding it into a form that only the other computer will be able to decode. Authentication is the process of verifying that information is coming from a trusted source. These two processes work hand in hand for digital signatures.How do I get a Digital Signature?Digital Signature Certificate (DSC) is a secure digital key that certifies the identity of the holder, issued by a signNowing Authority (CA). There are many companies provide Digital Signature , i.e.SIFYeMudhra(n)codeThese companies gives LRA to several companies that are basically known as LRA. You may directly apply online and purchase from your local authority.signNow - offers a 14 day free trial and 3 types of pricing plans starting from $9.99 when paid monthly. All plans include sending unlimited amount of documents for signature. Available for Mac, iOS, Windows, Android and Web-browser.signNow - offers a 14 day free trial and 2 types of pricing plans starting from $29 when paid monthly. All plans include sending unlimited amount of documents for signature. Available for web-browser, iOS and Android.signNow - offers a 30 day free trial and 3 types of pricing plans starting from $15 when paid monthly. The number of document sends included each month differs by plan type. Available for Web-browser, iOS and Android.signNow - offers a 14-day free trial and 3 types of pricing plans starting from $15 per month when paid monthly. All plans include fair user restrictions to sign documents and send them for signature. Available for web-browser, iOS and Android.signNow - offers a 14-day free trial and 3 types of pricing plans starting from $15 per month when paid monthly. Unlimited document sending is subject to fair use thresholds. Available for Web-browser, iOS and Android.signNow - offers a free trial and 2 pricing plans starting from $16 per month when paid annually. All plans include sending unlimited amount of documents for signature. Available for web-browser, iOS and Android.Digital Signature for E-tenderingThere are three types of digital signature certificates depending on the validation of identity and type of use. They are:Class I DSC – Individuals get it for validating the email identification of the users and in situations where risk is minimal and here the signature is stored in software.Class II DSC – Business organizations or individuals use this digital signature certificate to validate the information given by the subscriber in the application against the information available in a trusted consumer database and in other such situations where security risk is moderate. In this case a hardware cryptographic device is used for storing the signature.Class III DSC – This digital certificate is directly issued by the signNowing authority and it is required that the person applying for DSC must be present at the signNowing authority’s premises and prove his/her identity in front of the authority and the security risk involved in this case is very high. In this case also a hardware cryptographic device is used for storing the signature.The Necessity of Digital Signature CertificatesFor e-filing of the income tax returns by any individual, the Government of India has made it mandatory to affix digital signatures to the income tax returns documents. For affixing the digital signature one must have digital signature certificates issued by licensed certification authority.In addition, Ministry of Corporate Affairs has set the mandatory guidelines for the companies directing them to file all reports, applications and forms using a digital signature only and this again requires a digital signature certificate.For GST also a company must verify its GST application by affixing a digital signature using digital signature certificate in order to get registered for GST.These days many Government procedures, filling different applications, amendments and forms require digital signatures made by using digital signature certificates.Benefits of Digital Signature CertificatesSaves Money & Time: As there is no need of physical presence you can digitally sign your PDF files and other documents using DSC anywhere & anytime. You need not sign your paper documents and then scan them to send them across through internet if you follow the above given option. You can save the money which would otherwise be spent on printing and scanning the document. You can also go green by saving paper.Secured Data: The digitally signed documents are tamper proof as the digital signatures are secured with a private key and public key and they cannot be edited after digitally signing the document.Authentic: Digitally signed documents are authentic and the receiver can be completely sure about the sender’s identity and integrity. The receiver can easily execute the information in the document without worrying about the document being forged.Certificate (DSC) is essential for companies and organizations that take part or intend to take part in eTendering processes on various Government sites. If a organisation going to apply for any Government eTender needs to have a Class 3 Digital Signature Certificate registered in the name of a representative who is authorized to submit online offers for e-Tendering applications.How to apply digital signature ?We enable compliance with legal and regulatory requirements for end-to-end electronic transactions for any kind of E-Business.What Documents required for Class 3 Digital Signature ?Documents required for Class 3 Digital SignatureApplication Form (Duly Signed)Recent Passport Size Photograph (Pasted on the Application form and Signed across the Photo)Identity ProofPAN CARD * (Income Tax F Filing Portal requires PAN Encrypted DSC)PassportDriving LicensePhoto ID Issued by Central Or State GovernmentVoter IDAadhar CardApply for Digital SignatureAddress ProofPassportDriving LicenseLatest Utility Bills - Not Older than 3 Months (Telephone, Electricity, Water, Tax, LIC)Ration CardVoter IDBank Account Statement ( Not Older than 2 Months)Service Tax/ VAT registration CertificateProperty tax/ Municipal tax ReceiptProof of Right to do Business (Any one of the Following)Certificate of IncorporationMemorandum of Association & Articles of associationRegistered Partnership deedValid Business licenses like VAT , Service Tax RegistrationLicense under shop and Establishment Act (For Proprietorship Concerns)PAN Card of the Company/FirmProof of Right to do Business (Any one of the Following)Latest annual Report / BalancesheetLatest Income Tax ReturnsOrganization Bank Details on Banks Letter Head/ Latest Bank statement attested by BankAuthorization Letter in Favor of the applicationAll Documents to be Self Attested by the applicant & Attested by the Authorised Signatory of the Business with Stamp & Seal. For More information about Best Digital Signature company in kanpurDifferent software solutions exist for different platforms, hence I am going to give one (the most common one) for each one of them:Windows: Open the PDF in signNow and click the “Fill & Sign” button in the right pane.Mac: Open the PDF in Preview, click the Toolbox button, then click SigniPhone and iPad: Open the PDF attachment in Mail, then click “Markup and Reply” to sign.iPhone and Android: Download signNow Fill & Sign, open the PDF, and tap the Signature button.Chrome: Install the signNow extension, upload your PDF, and click the Signature button.And you are good to go!!

What is Digital Signature? And Benefits of Digital Signature CertificatesA digital signature is basically a way to ensure that an electronic document (e-mail, spreadsheet, text file, etc.) is authentic. Authentic means that you know who created the document and you know that it has not been altered in any way since that person created it.Digital signatures rely on certain types of encryption to ensure authentication. Encryption is the process of taking all the data that one computer is sending to another and encoding it into a form that only the other computer will be able to decode. Authentication is the process of verifying that information is coming from a trusted source. These two processes work hand in hand for digital signatures.How do I get a Digital Signature?Digital Signature Certificate (DSC) is a secure digital key that certifies the identity of the holder, issued by a signNowing Authority (CA). There are many companies provide Digital Signature , i.e.SIFYeMudhra(n)codeThese companies gives LRA to several companies that are basically known as LRA. You may directly apply online and purchase from your local authority.signNow - offers a 14 day free trial and 3 types of pricing plans starting from $9.99 when paid monthly. All plans include sending unlimited amount of documents for signature. Available for Mac, iOS, Windows, Android and Web-browser.signNow - offers a 14 day free trial and 2 types of pricing plans starting from $29 when paid monthly. All plans include sending unlimited amount of documents for signature. Available for web-browser, iOS and Android.signNow - offers a 30 day free trial and 3 types of pricing plans starting from $15 when paid monthly. The number of document sends included each month differs by plan type. Available for Web-browser, iOS and Android.signNow - offers a 14-day free trial and 3 types of pricing plans starting from $15 per month when paid monthly. All plans include fair user restrictions to sign documents and send them for signature. Available for web-browser, iOS and Android.signNow - offers a 14-day free trial and 3 types of pricing plans starting from $15 per month when paid monthly. Unlimited document sending is subject to fair use thresholds. Available for Web-browser, iOS and Android.signNow - offers a free trial and 2 pricing plans starting from $16 per month when paid annually. All plans include sending unlimited amount of documents for signature. Available for web-browser, iOS and Android.Digital Signature for E-tenderingThere are three types of digital signature certificates depending on the validation of identity and type of use. They are:Class I DSC – Individuals get it for validating the email identification of the users and in situations where risk is minimal and here the signature is stored in software.Class II DSC – Business organizations or individuals use this digital signature certificate to validate the information given by the subscriber in the application against the information available in a trusted consumer database and in other such situations where security risk is moderate. In this case a hardware cryptographic device is used for storing the signature.Class III DSC – This digital certificate is directly issued by the signNowing authority and it is required that the person applying for DSC must be present at the signNowing authority’s premises and prove his/her identity in front of the authority and the security risk involved in this case is very high. In this case also a hardware cryptographic device is used for storing the signature.The Necessity of Digital Signature CertificatesFor e-filing of the income tax returns by any individual, the Government of India has made it mandatory to affix digital signatures to the income tax returns documents. For affixing the digital signature one must have digital signature certificates issued by licensed certification authority.In addition, Ministry of Corporate Affairs has set the mandatory guidelines for the companies directing them to file all reports, applications and forms using a digital signature only and this again requires a digital signature certificate.For GST also a company must verify its GST application by affixing a digital signature using digital signature certificate in order to get registered for GST.These days many Government procedures, filling different applications, amendments and forms require digital signatures made by using digital signature certificates.Benefits of Digital Signature CertificatesSaves Money & Time: As there is no need of physical presence you can digitally sign your PDF files and other documents using DSC anywhere & anytime. You need not sign your paper documents and then scan them to send them across through internet if you follow the above given option. You can save the money which would otherwise be spent on printing and scanning the document. You can also go green by saving paper.Secured Data: The digitally signed documents are tamper proof as the digital signatures are secured with a private key and public key and they cannot be edited after digitally signing the document.Authentic: Digitally signed documents are authentic and the receiver can be completely sure about the sender’s identity and integrity. The receiver can easily execute the information in the document without worrying about the document being forged.Certificate (DSC) is essential for companies and organizations that take part or intend to take part in eTendering processes on various Government sites. If a organisation going to apply for any Government eTender needs to have a Class 3 Digital Signature Certificate registered in the name of a representative who is authorized to submit online offers for e-Tendering applications.How to apply digital signature ?We enable compliance with legal and regulatory requirements for end-to-end electronic transactions for any kind of E-Business.What Documents required for Class 3 Digital Signature ?Documents required for Class 3 Digital SignatureApplication Form (Duly Signed)Recent Passport Size Photograph (Pasted on the Application form and Signed across the Photo)Identity ProofPAN CARD * (Income Tax F Filing Portal requires PAN Encrypted DSC)PassportDriving LicensePhoto ID Issued by Central Or State GovernmentVoter IDAadhar CardApply for Digital SignatureAddress ProofPassportDriving LicenseLatest Utility Bills - Not Older than 3 Months (Telephone, Electricity, Water, Tax, LIC)Ration CardVoter IDBank Account Statement ( Not Older than 2 Months)Service Tax/ VAT registration CertificateProperty tax/ Municipal tax ReceiptProof of Right to do Business (Any one of the Following)Certificate of IncorporationMemorandum of Association & Articles of associationRegistered Partnership deedValid Business licenses like VAT , Service Tax RegistrationLicense under shop and Establishment Act (For Proprietorship Concerns)PAN Card of the Company/FirmProof of Right to do Business (Any one of the Following)Latest annual Report / BalancesheetLatest Income Tax ReturnsOrganization Bank Details on Banks Letter Head/ Latest Bank statement attested by BankAuthorization Letter in Favor of the applicationAll Documents to be Self Attested by the applicant & Attested by the Authorised Signatory of the Business with Stamp & Seal. For More information about Best Digital Signature company in kanpurDifferent software solutions exist for different platforms, hence I am going to give one (the most common one) for each one of them:Windows: Open the PDF in signNow and click the “Fill & Sign” button in the right pane.Mac: Open the PDF in Preview, click the Toolbox button, then click SigniPhone and iPad: Open the PDF attachment in Mail, then click “Markup and Reply” to sign.iPhone and Android: Download signNow Fill & Sign, open the PDF, and tap the Signature button.Chrome: Install the signNow extension, upload your PDF, and click the Signature button.n short, “best” varies by your specific need - and there are dozens of comparison vectors. The 2 most important, IMHO, are do you needA “standing order” doc that can be easily signed anytime by anyone, such as an injury waiver at a karate school / trampoline park / etc- that sort of thing. The signor is not pre-defined. For that, we (SwiftCloud) may well be best, but there are dozens to compare, and important to consider is volume, HIPAA medical compliance, integration to marketing, etc.Specific doc / signor - such as a real estate sales contract. The parties are pre-defined, and automation can be added to flow from group 1 (say, “the seller(s)”) to group 2 (seller’s agent, for example) to group 3 (the buyer(s) consecutively or concurrently.The #1 reason to use e-signature is to save time + integration on the data i.e. so marketing is 100% automated for example, and reducing time-to-close which results in higher sales pull-through rates. Don’t get me wrong, saving money on paper, printer, ink, printer jams, etc. is important - but that’s a money saver, not a money maker. Marketing and sales will actually create new revenue for you, so to not use electronic signature is for most businesses, downright neglectful. Granted, I’m a bit biased, but happy to do a formal study to prove it with real numbers, should anyone be so inclined.And you are good to go!!

What is a Digital Signature Certificate?A digital signature is a mathematical scheme that validates the integrity or authenticity of a given digital document or digital message. Digital signature certificates are the electronic or digital equivalent of paper certificates. Digital signature certificates validate your digital signature and for affixing digital signatures to e-documents digital signature certificates are required. Generally certificates are used to prove the identity of a person for particular purpose like driving license or passport or pan card or others. Similarly digital signature certificates are used to prove the identity of the person digitally to avail information or services on the internet and to sign certain documents digitally.Check Here : Digital Signature Certificate PriceWhat are the types of Digital Signature Certificates?There are three types of digital signature certificates depending on the validation of identity and type of use. They are:Class I DSC – Individuals get it for validating the email identification of the users and in situations where risk is minimal and here the signature is stored in software.Class II DSC – Business organizations or individuals use this digital signature certificate to validate the information given by the subscriber in the application against the information available in a trusted consumer database and in other such situations where security risk is moderate. In this case a hardware cryptographic device is used for storing the signature.Class III DSC – This digital certificate is directly issued by the signNowing authority and it is required that the person applying for DSC must be present at the signNowing authority’s premises and prove his/her identity in front of the authority and the security risk involved in this case is very high. In this case also a hardware cryptographic device is used for storing the signature.How to get a Digital Signature?A licensed authority also called as Certification Authority (CA) that has been granted the license to issue digital signature certificates by the Government of India can issue digital signature certificate under the Information Technology Act 2000. You should pay a specified fee and submit certain documents for obtaining DSC from CA. The e-KYC documents will fetch your DSC on the same day from CA. The documents are:Self-attested PAN card as identity proof.Voter ID card or driving license or passport or latest utility bill as address proof.The Necessity of Digital Signature CertificatesFor e-filing of the income tax returns by any individual, the Government of India has made it mandatory to affix digital signatures to the income tax returns documents. For affixing the digital signature one must have digital signature certificates issued by licensed certification authority.In addition, Ministry of Corporate Affairs has set the mandatory guidelines for the companies directing them to file all reports, applications and forms using a digital signature only and this again requires a digital signature certificate.For GST also a company must verify its GST application by affixing a digital signature using digital signature certificate in order to get registered for GST.These days many Government procedures, filling different applications, amendments and forms require digital signatures made by using digital signature certificates.Benefits of Digital Signature CertificatesSaves Money & Time: As there is no need of physical presence you can digitally sign your PDF files and other documents using DSC anywhere & anytime. You need not sign your paper documents and then scan them to send them across through internet if you follow the above given option. You can save the money which would otherwise be spent on printing and scanning the document. You can also go green by saving paper.Secured Data: The digitally signed documents are tamper proof as the digital signatures are secured with a private key and public key and they cannot be edited after digitally signing the document.Authentic: Digitally signed documents are authentic and the receiver can be completely sure about the sender’s identity and integrity. The receiver can easily execute the information in the document without worrying about the document being forged.What is the Validity of Digital Signature Certificates?The digital signature certificates in India issued by licensed signNowing authority approved by Ministry of Information & Technology are valid in India as per the ‘Information Technology Act 2000’. The DSC’s come with an explicit starting date & explicit expiration date. Usually the expiration time for standard digital signature certificates issued by CA will be from 1 year to 2 years. The digital signature certificates are managed by Certificate Revocation List (CRL) based on expiration date. An Indian national can have two DSC’s, one for his personal identification and another one for official identification.Check Here : Digital Signature Certificate Price

Shortly after the release of the first iPhone, Verizon asked BlackBerry to create a touchscreen “iPhone killer.” But the result was a flop, so Verizon turned to Motorola and Google instead.In 2012, one-time co-CEO Jim Balsillie quit the board and cut all ties to BlackBerry in protest after his plan to shift focus to instant-messaging software, which had been opposed by founder Mike Lazaridis, was killed by current CEO Thorsten Heins.Mr. Lazaridis opposed the launch plan for the BlackBerry 10 phones and argued strongly in favour of emphasizing keyboard devices. But Mr. Heins and his executives did not take the advice and launched the touchscreen Z10, with disastrous resultsLate last year, Research In Motion Ltd. chief executive officer Thorsten Heins sat down with the board of directors at the company’s Waterloo, Ont., headquarters to review plans for the launch of a new phone designed to turn around the company’s fortunes.His weapon was the BlackBerry Z10, a slim device with the kind of glass touchscreen that had made Apple Inc. and Samsung Electronics Co. Ltd. the dominant names in the global smartphone market.But one of RIM’s directors was frustrated by what he saw, and spoke out, according to one person who was in the room. There is a cultural problem at RIM, he told the group, and the Z10 was a glaring manifestation of it.The speaker was none other than Michael Lazaridis, the genius behind the BlackBerry, the company’s co-founder and its former co-CEO. Minutes earlier, he said, he had spoken with Mr. Heins’s newest executive recruits, chief marketing officer Frank Boulben and chief operating officer Kristian Tear.Mr. Boulben and Mr. Tear had dismissively told Mr. Lazaridis that the market for keyboard-equipped mobile phones – RIM’s signature offering – was dead.In the board meeting, Mr. Lazaridis pointed to a BlackBerry with a keyboard. “I get this,” he said. “It’s clearly differentiated.” Then he pointed to a touchscreen phone. “I don’t get this.”To turn away from a product that had always done well with corporate customers, and focus on selling yet another all-touch smartphone in a market crowded with them, was a huge mistake, Mr. Lazaridis warned his fellow directors. Some of them agreed.The boardroom confrontation was a telling moment in the downfall of Research In Motion.Once the giant of the smartphone business, RIM, which was renamed BlackBerry Ltd. in the summer, is now on its knees. The company reported a $965-million (U.S.) fiscal second-quarter loss Friday, primarily because of a massive writedown of Z10 phones that sit, unsold and unwanted, about eight months after they first hit the market. The company is cutting 4,500 jobs, 40 per cent of its work force, in a desperate bid to bring costs in line with plummeting revenue.Investors, who have lived through the destruction of more than $75-billion of the company’s market value over the past five years, are still wondering how BlackBerry managed to blow its runaway lead and became a bit player in the smartphone market it invented.An investigation by The Globe and Mail, which included interviews with two dozen past and present company insiders, exposes a series of deep rifts at the executive and boardroom levels.Those divisions hurt the company’s ability to develop products just as it faced its greatest challenge from more nimble and creative rivals – and contributed to the downfall of Canada’s biggest technology company.Once a fast-moving innovator that kept two steps ahead of the competition, RIM grew into a stumbling corporation, blinded by its own success and unable to replicate it. Several years ago, it owned the smartphone world: Even U.S. President Barack Obama was a BlackBerry addict. But after new rivals redefined the market, RIM responded with a string of devices that were late to market, missed the mark with consumers, and opened dangerous fault lines across the organization.Months before their boardroom showdown, Mr. Heins and Mr. Lazaridis found themselves in another strategic standoff in which they were pitted against Jim Balsillie, Mr. Lazaridis’s long-time business partner and co-CEO.Inside RIM, the brash Mr. Balsillie had championed a bold strategy to re-establish the company’s place at the forefront of mobile communications. The plan was to push wireless carriers to adopt RIM’s popular BlackBerry Messenger (BBM) instant messaging service as a replacement for their short text messaging system (SMS) applications – no matter what kind of phone their customers used.It was a novel plan. If RIM could get BBM onto hundreds of millions of non-BlackBerry phones, and charge fees for it, the company would have an enormous new source of profit, Mr. Balsillie believed. “It was a really big idea,” said an employee who was involved in the project.But the plan ran into stiff opposition at senior levels. Not long after Mr. Heins took over as RIM’s CEO in January, 2012, he killed it, with Mr. Lazaridis’s support.That was it for Mr. Balsillie. Weeks later, he resigned from the board and cut his ties to the company.“My reason for leaving the RIM board in March, 2012, was due to the company’s decision to cancel the BBM cross-platform strategy,” Mr. Balsillie said in a brief statement to The Globe and Mail, his first public comments on his departure. He declined a request for an interview.Mr. Lazaridis, who declined to speak about board matters, resigned as a director this past March after delaying his retirement by a year at the board's request.Now, BlackBerry’s future is in doubt. This week, Fairfax Financial Holdings Ltd., a Toronto-based investment company, announced a plan to lead a $4.7-billion takeover of the company. The offer is conditional, and requires a group of so-far uncommitted institutional investors to back Fairfax and provide financing.The company’s near-collapse is a painful situation for Mr. Lazaridis, a gifted engineer who co-founded RIM in a tiny Waterloo office above a bagel shop in 1984.“It’s really hurting me,” he said in an interview. “I can’t imagine what the employees must be thinking. Everyone is talking about the most likely scenario being that it will be broken up and sold off for parts. What will happen to the Waterloo region, or Canada? What company will take its place?”Competition risingMike Lazaridis was at home on his treadmill and watching television when he first saw the Apple iPhone in early 2007. There were a few things he didn’t understand about the product. So, that summer, he pried one open to look inside and was shocked. It was like Apple had stuffed a Mac computer into a cellphone, he thought.To Mr. Lazaridis, a life-long tinkerer who had built an oscilloscope and computer while in high school, the iPhone was a device that broke all the rules. The operating system alone took up 700 megabytes of memory, and the device used two processors. The entire BlackBerry ran on one processor and used 32 MB. Unlike the BlackBerry, the iPhone had a fully Internet-capable browser. That meant it would strain the networks of wireless companies like AT&T Inc., something those carriers hadn’t previously allowed. RIM by contrast used a rudimentary browser that limited data usage.“I said, ‘How did they get AT&T to allow [that]?’ Mr. Lazaridis recalled in the interview at his Waterloo office. “ ‘It’s going to collapse the network.’ And in fact, some time later it did.”Publicly, Mr. Lazaridis and Mr. Balsillie belittled the iPhone and its shortcomings, including its short battery life, weaker security and initial lack of e-mail. That earned them a reputation for being cocky and, eventually, out of touch. “That’s marketing,” Mr. Lazaridis explained. “You position your strengths against their weaknesses.”Internally, he had a very different message. “If that thing catches on, we’re competing with a Mac, not a Nokia,” he recalled telling his staff.RIM soon earned a chance to show up its new rival. RIM’s early smartphones had been a hit for Verizon Wireless, one of the biggest U.S. wireless players. Frozen out of the iPhone – Apple had signed an exclusive deal with AT&T – Verizon executives approached RIM in June, 2007, and asked if it could develop “an iPhone killer.” The product would need to have a touchscreen with no physical keyboard. Verizon would back the U.S. launch with a massive marketing campaign.RIM executives jumped at the chance. At one management meeting, Mr. Balsillie called it RIM’s most important strategic opportunity since the launch of its two-way e-mail pager.The product was the BlackBerry Storm. It was the most complex and ambitious project the company had ever done, but “the technology was cobbled together quickly and wasn’t quite ready,” said one former senior company insider who was involved in the project.The product was months late, hitting the market just before U.S. Thanksgiving in 2008. Many customers hated it. The touchscreen, RIM’s first, was awkward to manipulate. The product ran on a single processor and was slow and buggy. Mr. Balsillie put on a brave face, declaring the launch to be “an overwhelming success,” but sales lagged the iPhone and customer returns were high.The Storm campaign didn’t seem so disastrous at the time: RIM was in the midst of a torrid global expansion. In August, 2009, Fortune crowned it the world’s fastest-growing company. A year after the Storm launch, market research firm comScore reported that four of the top five smartphones U.S. customers intended to buy in the next three months were BlackBerrys.But the Storm had failed to give Verizon Wireless the Apple-killer it coveted, and RIM soon abandoned the product. So the carrier turned to Google Inc. and its new operating system, Android, and built a massive marketing campaign around Motorola’s Droid phone in 2009 – at the expense of marketing dollars to support BlackBerry products. Verizon’s “iDon’t” campaign highlighted all the shortcomings of the iPhone that Android addressed with its consumer-friendly user interface.Rather than hurt Apple, the Droid and other Android-powered phones began to steal share first from Palm and Microsoft, and then RIM. By December, 2010, Android’s market share in the U.S. had grown to 23.5 per cent from 5.2 per cent a year earlier, as RIM’s dropped by 10 points, to 31.6 per cent, according to comScore. By late 2011, Android commanded 47.3 per cent of the U.S. market, while RIM had just 16 per cent.A shift by smartphone usersThis post-iPhone period was an era of strategic confusion for RIM. The overall state of the industry “was a bit schizophrenic,” said Patrick Spence, RIM’s former executive vice-president of global sales, who left in 2012. “There was a time when the [wireless] carriers tried to keep data usage predictable. Then it shifted to a period of trying to drive much more usage in different packages, when the iPhone became compelling.”If there were new rules of the game, RIM would require new tools. The summer after the Storm launched, Mr. Lazaridis bought Torch Mobile, a software development firm that created Internet browsers for mobile phones.But the process of moving, or “porting,” the Torch browser onto RIM’s highly-customized system proved complex and time-consuming. RIM’s technology was based on Java computer code and an operating system built in the 1990s, while the Apple and Android systems used newer software platforms and standards that made it easier to build friendlier user interfaces. “This really meant we were not positioned for the future,” Mr. Lazaridis said. In order to survive, RIM would have to change its DNA.RIM executives figured they had time to reinvent the company. For years they had successfully fended off a host of challengers. Apple’s aggressive negotiating tactics had alienated many carriers, and the iPhone didn’t seem like a threat to RIM’s most loyal base of customers – businesses and governments. They would sustain RIM while it fixed its technology issues.But smartphone users were rapidly shifting their focus to software applications, rather than choosing devices based solely on hardware. RIM found it difficult to make the transition, said Neeraj Monga, director of research with Veritas Investment Research Corp. The company’s engineering culture had served it well when it delivered efficient, low-power devices to enterprise customers. But features that suited corporate chief information officers weren’t what appealed to the general public.“The problem wasn’t that we stopped listening to customers,” said one former RIM insider. “We believed we knew better what customers needed long term than they did. Consumers would say, ‘I want a faster browser.’ We might say, ‘You might think you want a faster browser, but you don’t want to pay overage on your bill.’ ‘Well, I want a super big very responsive touchscreen.’ ‘Well, you might think you want that, but you don’t want your phone to die at 2 p.m.’ “We would say, ‘We know better, and they’ll eventually figure it out.’ ”Trying to satisfy its two sets of customers – consumers and corporate users – could leave the company satisfying neither. When RIM executives showed off plans to add camera, game and music applications to its products to several hundred Fortune 500 chief information officers at a company event in Orlando in 2010, they weren’t prepared for the backlash that followed. Large corporate customers didn’t want personal applications on corporate phones, said a former RIM executive who attended the session.Meanwhile, it turned out consumers didn’t care so much about battery life or security features. They wanted apps. Apple’s iOs and Google’s Android systems were relatively easy for outside software developers to use, compared to BlackBerry’s technically complicated Java-based system.Blackberry’s apps looked “uglier” than those programmed in more modern languages, and the simulator used to test the apps often didn’t recreate the actual experience, said Trevor Nimegeers, a Calgary-based entrepreneur whose software company, Wmode, has developed apps for BlackBerry. Further, RIM exerted tight control over developers before it would sign off on their apps for use on BlackBerrys, stifling creativity. “Developers wanted to be embraced, not controlled,” Mr. Nimegeers said. As a result, hot apps such as Instagram and Tumblr bypassed BlackBerry.A split companyOne key to RIM’s early success was its corporate structure. It is unusual for a company to have two CEOs – Mr. Lazaridis focused on engineering, product management and supply chain, while Mr. Balsillie looked after sales, finance and other corporate functions – but for a long time, it worked. Mr. Lazaridis’s side of the shop made the phones, and Mr. Balsillie’s sold them. The two men were collegial and collaborative.Below the top executives, however, the two sides of the company didn’t always get along. And as the company grew into a leviathan with $20-billion in annual sales, the structure sometimes made it difficult to get definitive decisions or establish clear accountability. That contributed to a chronic problem for RIM: speed. “They were always slow to market, and there were always delays in launching,” said James Moorman, an analyst with S&P Capital IQ Equity Research. “It was compounded by miscalculating the speed at which the consumer market changed.”Sometimes, feedback from customers that might inspire changes would die at middle management, because senior executives didn’t want to bring it to Mr. Lazaridis, a former insider said.The split company also lost a major unifying force when chief operating officer Larry Conlee retired in 2009. Mr. Conlee was a whip-cracker who held executives to account for decisions and deadlines, establishing a project management office. Many insiders agreed that after he left, a slack attitude toward hitting targets began to permeate the company. “There was a gap” after Mr. Conlee’s departure, Adam Belsher, a former RIM vice-president, told The Globe last year. “There was no real operational executive on the product side that would really get teams to hit deadlines.”After relying on its own technology for so long, Mr. Lazaridis decided the company’s next advance would come from outside. In April, 2010, RIM announced a deal to acquire Ottawa-based QNX Software, a cutting-edge software maker that would provide the building blocks for the BlackBerry 10 operating system – the new platform Mr. Lazaridis knew the company needed.QNX was a specialist in industrial controls that used up-to-date software tools to run applications ranging from 911 call centres to wireless broadband services in vehicles. Its technology was the perfect core for smartphones and tablets, RIM’s leaders felt.Mr. Lazaridis decided to take a page from the business strategy book The Innovator’s Dilemma by Clayton Christensen. The book outlines how established organizations that succeeded against challengers often did so by allowing small, cloistered teams to develop their own disruptive products, free from the influence of the rest of the organization.Mr. Lazaridis decided he would isolate the QNX team and get them to focus solely on the new operating system, while leaving existing programmers to work on products for its existing platform, BlackBerry 7. Eventually he hoped QNX, led by its CEO Dan Dodge, would retrain his entire organization.But first, RIM had to answer a key question: If it wanted to remake the BlackBerry on the QNX system, what was the best way to do that? Should it move over some of its old Java-based applications, or rewrite them all from scratch? If the company abandoned Java altogether, what would it mean for third-party developers who used it?These were not easy decisions. Discussions among the senior leaders in Mr. Lazaridis’ organization dragged on for a year – far too long, according to several insiders.Eventually, the decision was made: BlackBerry 10 would be built from scratch. The problem with that approach was that a new team was being entrusted to recreate the BlackBerry. Those who had created the original system were still working on devices for the BlackBerry 7 platform. Once again, the company was split.“We had bought a powerful operating system and needed to move to it. But the BB7 was late,” Mr. Lazaridis said. “Every week, I was getting requests for more hires, more resources. The conundrum was, how do I pull resources off the BB7 to rewrite all the apps on top of QNX?”PlayBook painThe QNX team’s first assignment was to work on an operating system for the PlayBook, RIM’s answer to Apple’s successful iPad tablet. Mr. Lazaridis saw the work as a precursor to the BlackBerry 10 line of smartphones and was impressed by what the team brought to the product. “It helped our developers experience the power and elegance of QNX,” he said.But the QNX team was overwhelmed and needed to draw heavily on the company’s other resources to complete the PlayBook. Similar issues arose later on the BlackBerry 10. The tablet, originally slated to come out in the fall of 2010, didn’t appear until April, 2011, and it failed to sell. It was an awkward accessory to RIM’s smartphones, and lacked e-mail, contacts and apps. Once again, RIM had missed the mark: Tablets that sold well worked as standalone devices, which the PlayBook wasn’t.Some questioned the wisdom of launching the PlayBook in the first place, feeling it was a needless and costly distraction. And the decision to isolate QNX also created tensions and morale problems: Those who weren’t on the team worried about their future.“To me, the most logical thing would have been to integrate the operating system organizations into one,” said one senior executive who was caught up in the fray. “Then you’d have a whole team, not 150 people sitting around saying, ‘I don’t know what I’m going to do next,’ and another 150 people saying ‘I’m over my head.’ ”Meanwhile, RIM’s lack of an advanced smartphone meant that it continued to bleed market share to Apple and Android, especially in the United States. In December, 2010, Verizon Wireless announced it would invest in fourth generation (4G) LTE technology to accommodate the growing demands of customers who wanted to surf the Internet on their phones. It signalled to device makers that it would look to feature 4G smartphones in its marketing.RIM’s 4G phone effort was the BlackBerry 10, but it was far from ready. RIM executives tried to make an engineering argument to carriers that 4G technology was no more efficient than 3G, and that its Bold phones were just fine. Mr. Lazaridis, Mr. Heins and chief technology officer David Yach “were trying to reshape the argument because they knew our products couldn’t go there,” a former executive said. “It was a fight to stay in [promotional] programs with carriers. We lost channel support and feature ads.”The PlayBook debacle and mounting delays of the BlackBerry 10 harmed the organization in other ways.For years, Mr. Yach and Mr. Lazaridis had enjoyed a close working relationship. But as the well-regarded Mr. Yach began to question the company’s ability to hit deadlines on products, his views were dismissed and he was made to feel he wasn’t a team player, damaging their relationship, observers said. He left the company in early 2012.The PlayBook flop merely added to the sense of a company in decline; 2011 became a signNow turning point for RIM. As it became clear the brand was getting trounced in the market, and the BlackBerry 10 project was hit by signNow delays, the stock plunged, falling from $69 (Canadian) in February to less than $15 by the year’s end.The pressure mounted on Mr. Balsillie, Mr. Lazaridis and the board. In January, 2012, they stepped aside as co-CEOs and handed it over to Thorsten Heins, a German executive who had run the company’s handset division.Almost immediately, there was division about how to roll out the BlackBerry 10. The original strategy had called for the company to launch an all-touchscreen version first, because sales were still going well for the company’s BlackBerry 7 keyboard phone.But by 2012, sales of BlackBerry 7 phones had lost steam, and Mr. Lazaridis, now deputy chairman, felt the company should switch its priority to getting a keyboard version out, to meet the demand from BlackBerry die-hards.“This is our bread and butter, our iconic device,” he told an executive at the company. “The keyboard is one of the reasons they buy BlackBerrys.”Mr. Heins’s new management team held firm, sources close to the board said. “They believed everything was going to full touch” and that the QNX-designed system was clearly superior to what was available on other mobile operating systems.To Mr. Lazaridis, abandoning the company’s competitive advantage in the hopes consumers would embrace yet another touchscreen was too risky a strategy, setting up the showdown at the board last year. In the end, management agreed to continue developing the Q10 keyboard phone. But the all-touchscreen Z10 would be launched first.By the time the first BlackBerry 10 smartphones were unveiled in January of this year, market observers generally agreed that the products were two years too late – a view widely shared among many senior RIM insiders.“Buying QNX was the right play ultimately,” said Mr. Spence. “But we didn’t make the turn fast enough. Everyone underestimated the complexity” involved in building the new system.A BBM planFor 20 years, Jim Balsillie and Mike Lazaridis operated in tandem, building an increasingly successful partnership that allowed each other’s strengths to flourish.They shared an office in their early years, even possessing each other’s voice mail passwords.As RIM grew, they worked in separate buildings but spoke several times a day. “They had a relationship I wish I had with my wife,” one mid-level executive said.But they had different personalities and their lives seldom intersected outside the office. They have barely spoken since leaving the company.For Mr. Lazaridis, science was both a job and a pastime. Mr. Balsillie was brash, competitive and athletic, and wore his reputation for being aggressive, even bullying in meetings, as a badge of honour. If anything, he viewed that outward toughness as a job requirement, not unlike tech CEOs such as Steve Ballmer at Microsoft Corp. or Apple’s Steve Jobs. “Show me how else you build a $20-billion company,” he once confided to a colleague. “If I was Mr. Easy-going, they would kill BlackBerry.”The two rarely disagreed on key strategic moves – until their last year together. Mr. Lazaridis believed BlackBerry 10 would herald RIM’s renaissance. Mr. Balsillie wasn’t so sure.Mr. Balsillie was concerned that Google had commoditized the smartphone market by making its Android operating system available for free to any handset maker. By 2011, wireless carriers were warning him that they would be ordering fewer BlackBerry products unless he dropped his prices to match rival manufacturers.So Mr. Balsillie pushed an alternative plan.The idea started with Aaron Brown, the executive who oversaw the services division at RIM. By 2010, this division was earning $800-million per quarter in revenue from the monthly service access fee it charged mobile carriers for every BlackBerry subscriber. More than 90 per cent of that was profit. Carriers tried to chip away at those fees – Google and Apple didn’t charge them – but RIM always pushed back. Mr. Balsillie was particularly insistent on keeping the service fees. But the executives knew the company’s weakening position in devices would increase pressure on services revenues as well.Even after its terrible year in 2011, RIM still had several advantages, including close relationships with the world’s major carriers. It also had BlackBerry Messenger.RIM developers created the BBM app in 2005 to enable users to communicate not by e-mail but by using their devices’ “personal identification numbers” or PINs. It was the first instant messaging service built for wireless devices, and it caught on quickly. It was reliable, free, always on and users could send as many messages as they wanted at no extra cost, unlike basic text messages. PINs were random codes, not phone numbers or e-mail addresses, enhancing privacy. That made BBM extremely popular in countries where citizens didn’t enjoy as many freedoms as Western democracies, and helped drive handset sales there.BBM’s developers added a few clever elements that also made it addictive. For example, users would know when a message had been delivered and when it had been read, marked D and R. Today there are 60 million monthly active users.But BBM only worked on BlackBerrys. As Apple and Android took off, BBM knock-offs appeared that could function on those devices, including Kik Interactive Inc., founded by Ted Livingston, a former RIM co-op student. Today Kik, boasts 85 million users, more than BlackBerry (which sued Mr. Livingston for allegedly copying its program). Others, such as WhatsApp, are even larger. Instant messaging “is the killer app of the mobile era,” Mr. Livingston said. “We think there will be a Google or Facebook-sized company that comes out of this category.”RIM’s Mr. Brown believed he could tap into this unfolding trend. While working with Mr. Balsillie on other projects, around late 2010 and early 2011, he began to talk up the concept of offering BBM on other mobile platforms.Mr. Balsillie loved it. At the time, some carriers were pushing for rebates on their monthly service fees. Mr. Brown was willing to comply if the carriers would agree to open new parts of their business to RIM. He and Mr. Balsillie struck upon an idea: Why not give carriers the opportunity to offer BBM to all their customers – no matter what devices they used?Most wireless executives were not fans of instant messaging services and other “over-the-top” apps such as Skype because they eroded the carriers’ revenue from text messaging.To counter that threat, carriers banded together to develop a standardized “rich communication service” (RCS) platform that would enable their customers to exchange text messages, videos, games and other digital information. But the initiative has gained little traction; one commentator recently labelled RCS a “zombie technology.”SMS 2.0Mr. Balsillie began floating the idea that carriers could instead offer BBM as their own enhanced version of text messaging, generating revenue for carriers while providing a cut for RIM. He called it “SMS 2.0.” (SMS stands for “short message service.”) RIM would agree to reduce the fees it charged for services, in exchange for gaining access to hundreds of millions of non-BlackBerry users.He and Mr. Brown discussed several options. For example, carriers could offer BBM as part of a standard “talk and text” plan for entry-level smartphone users. Because of its extra functions, BBM would save customers from having to buy a data plan.Or, carriers could offer an expensive plan that included BBM and other offerings from BlackBerry, including one gigabyte of cloud storage on which they could keep photos or songs. The carriers could then sell extra services such as radio through BBM. It would also make the wireless companies’ customers “stickier” – less likely to defect – since they couldn’t move stored data to rival mobile carriers as easily.The SMS 2.0 plan was a throwback to RIM’s move a decade earlier to form partnerships with mobile providers and share revenues. It was a chance to make BBM the dominant chat messaging service, and would have created a new storyfor the BlackBerry brand.A few carriers responded positively to Mr. Balsillie’s initial entreaties and by mid-2011, he was calling SMS 2.0 the company’s top strategic priority.To round out the strategy, and build a suite of cross-platform services, RIM made a few acquisitions, such as instant messaging firm LiveProfile. The service had about 15 million users and worked on Apple and Android devices, giving BBM the entrée it needed to those platforms.But the plan deeply divided the company. BBM was still an important driver of BlackBerry sales. Making it widely available to competitors represented an added threat to RIM’s faltering handset business, led by Mr. Heins at the time. Many inside the company felt a cross-platform BBM made sense, but only when BlackBerry 10 was out. Mr. Balsillie and proponents of his plan felt that would be too late.“It’s fair to say [the risk to handset sales] was a shared concern of everybody I spoke to,” said former RIM executive Mr. Spence. “But it was hard to deny the fact [carriers’ text messaging] revenue was declining. These carriers were looking for a solution and this was a potential solution.”One former executive felt Mr. Balsillie was overestimating the revenue potential of his software-driven strategy. As Mr. Balsillie talked up SMS 2.0, Mr. Heins and his team increasingly cast doubt on it internally. “He was absolutely canvassing behind the scenes working to kill it,” said one company insider.As for Mr. Lazaridis, he was supportive of launching BBM for rival operating systems, but was concerned about the costs and risks involved in building out the SMS 2.0 strategy, said a source close to the board. “We weren’t in a position to be investing in free services that required massive capital expenditure [and could provide] zero payback for maybe a few years if we’re successful,” the source said. Like others, Mr. Lazaridis worried about handset sales.But Mr. Balsillie was increasingly convinced that SMS 2.0 was the way to go. After pitching the plan to CEOs of 12 of the largest wireless carriers in the world in late 2011, he believed he could sign up at least one major U.S. carrier – insiders say AT&T was interested – as well as Telefonica and one or two other European carriers. That’s all it would take, he felt, to convince others to adopt BBM en masse.But other RIM executives who were part of the growing SMS 2.0 team also encountered resistance.Mr. Balsillie was pushing to formally launch SMS 2.0 at an industry conference at the end of February, 2013. But with the company under mounting pressure to overhaul its top leadership, he and Mr. Lazaridis handed the reins to Mr. Heins in late January.A few weeks later, Mr. Heins killed the SMS 2.0 strategy, backed by Mr. Lazaridis.“We had to get the BlackBerry 10 out, and we couldn’t be distracted,” said a source close to the board. “Everything else was shelved. And if that meant getting rid of strategies that didn’t fit, or weren’t complete, or required resources, I think [Mr. Heins] did the right thing.”The Globe and Mail requested interviews with Mr. Heins and with Barbara Stymiest, the chair of the board. The company declined, but agreed to agreed to provide answers to written questions.Asked why he shelved SMS 2.0, Mr. Heins said in an e-mailed response: “There are so many [instant messaging] alternatives in the marketplace that we wanted to be careful to launch only when we felt we could clearly differentiate our offering.”Mr. Balsillie, no longer an executive but still a board member, urged directors to reconsider, but they backed the new CEO. Mr. Balsillie couldn’t abide by the decision. He resigned from the board in late March, then sold all his stock. Few people knew the reason for his departure, including his long-time co-CEO, Mr. Lazaridis.BlackBerry did launch a version of its BBM application last weekend for iPhones and Android devices, but simply as a stand-alone app. Andrew Bocking, the executive who oversees BBM, said that with built-in capabilities to have group chats, share photos, calendar items and other features, “it really takes BBM to a whole other level … I believe there is an opportunity for a dominant player in instant messaging and there will be one winner-take-all.”To those who championed the SMS 2.0 strategy, most of them now gone, RIM should have been well on its way there already.A fizzled launchFinally, close to six years after Apple unveiled the iPhone, the long-awaited BlackBerry 10 made its debut at a glitzy launch event in January, featuring singer Alicia Keys as the company’s “global creative director.” It was a minor detail in a much larger story, but the made-up title and meaningless job irked some who wondered why the company was distracting itself with celebrity endorsements while in the fight of its life.The Z10 device itself won a number of positive reviews. The New York Times’ David Pogue, who previously had predicted that the BlackBerry was doomed, began his review: “I’m sorry. I was wrong.” But eight months later, it’s hard to see the launch as anything other than a total business failure, given the sheer volume of unsold smartphones now written off.The marketing campaign was confusing and vague: An ad that ran during the Super Bowl failed to explain what made the product distinct. A source close to the board said directors weren’t shown the ad before it ran, and some didn’t understand the content or the slogan, “Keep Moving.” There were no lineups, and no buzz for the product – nothing like the frenzy of publicity that seems to surround the launch of each new version of the iPhone.Once again, the market had shifted, and there was little demand for the Z10 in an era where sophisticated operating systems were commonplace and phones were getting cheaper. The one advantage the BlackBerry may have had over its rivals – a physical keyboard – wasn’t present in the first model to hit the market.“The only people still clamouring for a new smartphone from BlackBerry were in it for the keyboard,” said S&P’s Mr. Moorman. “Then they come out with a touchscreen. Anyone who wanted a touchscreen was already gone.”As it turns out, both Mr. Balsillie and Mr. Lazaridis were proven right. It was hard enough to compete in a commoditizing smartphone market. Leading with the wrong product on top of that only made BlackBerry’s task more hopeless. Mr. Heins’s strategic errors only compounded the challenging situation he had inherited.The product was difficult to sell for other reasons. One company insider said it could take close to an hour for young sales staff to demonstrate the product in dealer stores.And many long-time BlackBerry users found that the new system was too different from the classic BlackBerry experience for their liking. Many of the little “moments of delight,” as they are called in the company, were forgotten or overlooked by the QNX developers who lacked ties to the company’s past. For example, users can’t hit “u” and look at the last unread message in their inbox, nor can they easily shift to the next or previous e-mail, as they could on older BlackBerrys. Pocket-dialling is a constant hazard.Meanwhile, the company was slow to provide service to business users – such as helping them to transfer applications they had written for the old BlackBerry system. Software developers were left with dead-end investments after learning they would have to rewrite their apps for the new system if they wanted to remain part of the BlackBerry world. Many simply didn’t bother.“The decisions we made over the last two years were made within the context of a volatile, competitive and ever-changing marketplace – and always with the goal of delivering the vital technology that our customers need,” Mr. Heins said in a written response to questions about the success of the BlackBerry 10 launch. While he called the launch “a signNow accomplishment and one that involved the reinvention of our company,” he acknowledged it “did not meet our expectations.”As for Mr. Lazaridis, he has not given up on the enterprise he founded 29 years ago.He is still a minority shareholder in BlackBerry, and continues to be the subject of rumours he may join a group to buy out his former company.Mr. Lazaridis declined to discuss any such plans, but it is clear he believes the BlackBerry story is not over.“Many companies go through cycles. Intel experienced it, IBM experienced it, Apple experienced it. Our job was to reinvent ourselves, which we all believed BB10 would do,” he said.“The fact that a Canadian company was able to compete in that space with two of the largest tech companies in the world is a big deal. People counted IBM, Apple and other companies out only to be proven wrong. I am rooting that they are wrong on BlackBerry as well.”

What A Realtor Does For YouThe Critical Role Of The Realtor In The Real Estate TransactionMany home buyers and sellers are not aware of the true value that a Realtor provides during the course of a real estate transaction. Many people, in fact, are not cognizant of the expertise, professional knowledge, and just plain hard work that go into bringing about a successful real estate transaction.A multitude of important services and steps required in a real estate transaction are carried out by the Realtor or the brokerage staff. Most of these steps have traditionally been viewed simply as part of a Realtor's professional responsibilities to the client. But, without them, the transaction could be placed in jeopardy.Listed below are nearly 200 typical actions, research steps, processes, and review stages necessary for a successful residential real estate transaction that are normally provided by a full service real estate brokerage in exchange for their sales commission. Depending on the transaction, some of these steps may take minutes, hours, or even days to complete, while some may not be needed.ComprehensivenessThe list is by no means an attempt to set forth a complete list of services, as these can vary within each brokerage and each market. Many Realtors routinely provide a wide variety of additional services that are as varied as the nature of each transaction.By the same token, some transactions may not require every step listed. However, given the unexpected complications that can arise, it's far better to know about a step and make an intelligent, informed decision to skip it, than to not know the possibility even exists.The Realtor CommitmentThe professional commitment of a Realtor is to ensure that a seller and a buyer are brought together in an agreement that provides each with a transaction that is fair and equitable. The motivation is easy to understand. For most full-service brokerages, they receive no compensation whatsoever unless and until the sale closes.By contrast, there are firms that offer limited services in exchange for an up-front flat fee, or offer a menu of pay-as-you-go or a la' carte options. Other real estate firms may offer a sliding scale ranging from limited to full service. In these cases, the compensation of the Realtor is based on the reduced services provided, with the seller bearing full responsibility for all of the other steps and procedures (which are normally conducted by a full service real estate firm) in the selling process.Variety Of ChoicesThe variety of brokerage business models in today's real estate industry - full service, limited service, fee for service or other -- affords consumers with a greater range of options than ever before. No matter which option they choose, homeowners should understand exactly what services will, or will not, be provided by their choice of Realtor/brokerage firm before signing a Listing Agreement or otherwise engaging the services of a Realtor and agreeing to compensation.Why Use A RealtorNot every real estate agent or broker is a Realtor. That term and the familiar block "R" logo are trademarked by the National Association of Realtors can legally be used only by those that are Realtor members through their local association of Realtors.While all Realtors are also state-issued licensees as agents or brokers, a major difference between a real estate licensee and a Realtor is that Realtors have taken an oath to subscribe to a stringent, enforceable Code of Ethics with Standards of Practice that promote the fair, ethical and honest treatment of all parties in a transaction. Real estate licensees (those that have a state-issued license but are not members of a Realtor association) are not bound to the ethical practices and principles set forth in the Realtor Code.In addition, Realtor associations offer a wealth of training courses to their member Realtors, to help assure that Realtors serve their customers with the level of skill, knowledge and attention to detail required in today's real estate transaction. The continual training provided to Realtors underscores the importance of having help and guidance from someone who fully understands the process - a Realtor.For peace of mind, ensure that the individual seeking to represent you in a real estate transaction is not just a real estate licensee, but also a Realtor.Pre-Listing Activities1. Make appointment with seller for listing presentation.2. Send seller a written or e-mail confirmation of listing appointment and call to confirm.3. Review pre-appointment questions.4. Research all comparable currently listed properties.5. Research sales activity for past 18 months through the Multiple Listing Service (MLS) and/or public records databases.6. Research "Average Days on Market" for this property of this type, price range and location.7. Download and review property tax roll information.8. Prepare "Comparable Market Analysis" (CMA) to establish fair market value.9. Obtain copy of subdivision plat/complex lay-out.10. Research property's ownership and deed type.11. Research property's public record information for lot size and dimensions.12. Research and verify legal description.13. Research property's land use coding and deed restrictions.14. Research property's current use and zoning.15. Verify legal names of owner(s) in county's public property records.16. Prepare listing presentation package with above materials.17. Perform exterior Curb Appeal Assessment of subject property.18. Compile and assemble formal file on property.19. Confirm current public schools and explain impact of schools on market value.20. Review listing appointment checklist to ensure all steps and actions have been completed.Listing Appointment Presentation21. Give seller an overview of current market conditions and projections.22. Review agent's and company's credentials and accomplishments in the market.23. Present company's profile and position or niche in the marketplace.24. Present CMA Results To Seller, including Comparables, Solds, Current Listings and Expireds.25. Offer pricing strategy based on professional judgment and interpretation of current market conditions.26. Discuss goals with seller to market effectively.27. Explain market power and benefits of Multiple Listing Service.28. Explain market power of web marketing, Internet Data Display and Find Real Estate, Homes for Sale, Apartments & Houses for Rent.29. Explain the work the brokerage and agent do behind the scenes and agent's availability onweekends.30. Explain agent's role in taking calls to screen for qualified buyers and protect seller from curiosity seekers.31. Present and discuss strategic master marketing plan.32. Explain different agency relationships and determine seller's preference.33. Review and explain all clauses in Listing Contract and Addendum and obtain seller's signature.Once Property Is Under Listing Agreement34. Review current title information.35. Measure overall and heated/air conditioned square footage.36. Measure interior room sizes.37. Confirm lot size via owner's copy of certified survey, if available.38. Note any and all unrecorded property lines, agreements, easements.39. Obtain house plans, if applicable and available.40. Review house plans and make copy.41. Order plat map for retention in property's listing file.42. Prepare showing instructions for buyers' agents and agree on showing time window with seller.43. Obtain current mortgage loan(s) information: companies and loan account numbers.44. Verify current loan information with lender(s).45. Check assumability of loan(s) and any special requirements.46. Discuss possible buyer financing alternatives and options with seller.47. Review current appraisal if available.48. Identify Home Owner Association manager if applicable.49. Verify Home Owner Association Fees with manager - mandatory or optional and current annual fee.50. Order copy of Homeowner Association bylaws, if applicable.51. Research electricity availability and supplier's name and telephone number.52. Calculate average utility usage from last 12 months of bills.53. Research and verify city sewer/septic tank system.54. Water System: Calculate average water fees or rates from last 12 months of bills.55. Well water: Confirm well status, depth and output from Well Report.56. Natural gas: Research/verify availability and supplier's name and telephone number.57. Verify security system, current term of service and whether owned or leased.58. Verify if seller has transferable Termite Bond.59. Ascertain need for lead-based paint disclosure.60. Prepare detailed list of property amenities and assess market impact.61. Prepare detailed list of property's "Inclusions & Conveyances with Sale."62. Compile list of completed repairs and maintenance items.63. Send "Vacancy Checklist" to seller if property is vacant.64. Explain benefits of Home Owner Warranty to seller.65. Assist sellers with completion and submission of Home Owner Warranty Application.66. When received, place Home Owner Warranty in property file for conveyance at time of sale.67. Have extra key made for lockbox.68. Verify if property has rental units involved. If so:69. - Make copies of all leases for retention in listing file.70. - Verify all rents and deposits.71. - Inform tenants of listing and discuss how showings will be handled.72. Arrange for installation of yard sign(s).73. Assist seller with completion of Seller's Disclosure form.74. Complete "New Listing Checklist."75. Review results of Curb Appeal Assessment with seller and provide suggestions to improve salability.76. Review results of Interior Décor Assessment and suggest changes to shorten time on market.77. Load listing into transaction management software program.Entering Property in Multiple Listing Service Database78. Prepare MLS Profile Sheet - Realtor is responsible for quality control and accuracy of listing data.79. Enter property data from Profile Sheet into MLS Listing Database.80. Proofread MLS database listing for accuracy - including proper placement in mapping function.81. Add property to company's Active Listings list.82. Provide seller with signed copies of Listing Agreement and MLS Profile Sheet Data Form within 48 hours.83. Take additional photos for upload into MLS and use in flyers. Discuss efficacy of panoramic/virtual tour photography.Marketing The Listing84. Create print and Internet ads with seller's input.85. Coordinate showings with owners, tenants, and other Realtors. Return all calls - weekends included.86. Install electronic lockbox if authorized by owner. Program lockbox with agreed-upon showing time windows.87. Prepare mailing and contact list.88. Generate mail-merge letters to contact list.89. Order "Just Listed" labels and reports.90. Prepare flyers and feedback faxes.91. Review comparable MLS listings regularly to ensure property remains competitive in price, terms, conditions and availability.92. Prepare property marketing brochure for seller's review.93. Arrange for printing or copying of supply of marketing brochures or flyers.94. Place marketing brochures in all company agent mail boxes.95. Upload listing to company and agent Internet site, if applicable.96. Mail Out “Just Listed” notice to all neighborhood residents.97. Advise Network Referral Program of listing.98. Provide marketing data to buyers coming through international relocation networks.99. Provide marketing data to buyers coming from referral network.100. Provide “Special Feature” cards for marketing, if applicable.101. Submit ads to company’s participating Internet real estate sites.102. Price changes conveyed promptly to all Internet groups.103. Reprint/supply brochures promptly as needed.104. Loan information reviewed and updated in MLS as required.105. Feedback e-mails/faxes sent to buyers’ agents after showings.106. Review weekly Market Study.107. Review lockbox reports to study home showing traffic.108. Discuss lockbox showing reports and feedback from showing agents with seller to determine if changes will accelerate the sale.109. Place regular weekly update calls to seller to discuss marketing and pricing.110. Promptly enter price changes in MLS listing database.The Offer And Contract111. Receive and review all Offer to Purchase contracts submitted by buyers or buyers’ agents.112. Evaluate offer(s) and prepare a “net sheet” on each for the owner for comparison purposes.113. Counsel seller on offers. Explain merits and weakness of each component of each offer.114. Contact buyers’ agents to review buyer’s qualifications and discuss offer.115 Fax/deliver Seller’s Disclosure to buyer’s agent or buyer upon request and prior to offer if possible.116. Confirm buyer is pre-qualified by calling loan officer.117. Obtain pre-qualification letter on buyer from loan officer.118. Negotiate all offers on seller’s behalf, setting time limit for loan approval and closing date.119. Prepare and convey any counter offers, acceptance or amendments to buyer’s agent.120. Fax copies of contract and all addendums to closing attorney or title company.121. When Offer to Purchase Contract is accepted and signed by seller, deliver to buyer’s agent.122. Record and promptly deposit buyer’s earnest money in escrow account.123. Disseminate “Under-Contract Showing Restrictions” as seller requests.124. Deliver copies of fully signed Offer to Purchase contract to seller.125. Fax/deliver copies of Offer to Purchase contract to Selling Agent.126. Fax copies of Offer to Purchase contract to lender.127. Provide copies of signed Offer to Purchase contract for office file.128. Advise seller in handling additional offers to purchase submitted between contract and closing.129. Change status in MLS to “Sale Pending.”130. Update MLS and transaction management program to show “Sale Pending.”131. Review buyer’s credit report results -- advise seller of worst and best case scenarios.132. Provide credit report information to seller if property will be seller-financed.133. Assist buyer with obtaining financing, if applicable and follow-up as necessary.134. Coordinate with lender on discount points being locked in with dates.135. Deliver unrecorded property information to buyer.136. Order septic system inspection, if applicable.137. Receive and review septic system report and assess any possible impact on sale.138. Deliver copy of septic system inspection report lender and buyer.139. Deliver Well Flow Test Report copies to lender and buyer and property listing file.140. Verify termite inspection ordered.141. Verify mold inspection ordered, if required.Tracking The Loan Process142. Confirm verifications of deposit and buyer’s employment have been returned.143. Follow loan processing through to the underwriter.144. Add lender and other vendors to transaction management program so agents, buyer and seller can track progress of sale.145. Contact lender weekly to ensure processing is on track.146. Relay final approval of buyer’s loan application to seller.Home Inspection147. Coordinate buyer’s professional home inspection with seller.148. Review home inspector’s report.149. Enter completion into transaction management tracking software program.150. Explain seller’s responsibilities with respect to loan limits and interpret any clauses in the contract.151. Ensure seller’s compliance with Home Inspection Clause requirements.152. Recommend or assist seller with identifying and negotiating with trustworthy contractors to perform any required repairs.153. Negotiate payment and oversee completion of all required repairs on seller’s behalf, if needed.The Appraisal154. Schedule appraisal.155. Provide comparable sales used in market pricing to appraiser.156. Follow-Up on appraisal.157. Enter completion into transaction management program.158. Assist seller in questioning appraisal report, if questions arise.Closing Preparations And Duties159. Contract is signed by all parties.160. Coordinate closing process with buyer’s agent and lender.161. Update closing forms and files.162. Ensure all parties have all forms and information needed to close the sale.163. Select location where closing will be held.164. Confirm closing date and time and notify all parties.165. Assist in solving any title problems (boundary disputes, easements, etc) or in obtaining Death Certificates.166. Work with buyer’s agent in scheduling and conducting buyer’s final walk-through prior to closing.167. Research all tax, Home Owner Association, utility and other applicable prorations.168. Request final closing figures from closing agent (attorney or title company).169. Receive and carefully review closing figures to ensure accuracy of preparation.170. Forward verified closing figures to buyer’s agent.171. Request copy of closing documents from closing agent.172. Confirm buyer and buyer’s agent have received title insurance commitment.173. Provide Home Owners Warranty for availability at closing.174. Review all closing documents carefully for errors.175. Forward closing documents to absentee seller as requested.176. Review documents with closing agent (attorney).177. Provide earnest money deposit check from escrow account to closing agent.178. Coordinate this closing with seller’s next purchase and resolve any timing problems.179. Have a “no surprises” closing so that seller receives a net proceeds check at closing.180. Refer sellers to a Realtor at their destination, if applicable.181. Change MLS status to Sold. Enter sale date, price, selling broker and agent’s ID numbers, etc.182. Close out listing in transaction management program.Follow Up After Closing183. Answer questions about filing claims with Home Owner Warranty company, if requested.184. Attempt to clarify and resolve any conflicts about repairs if buyer is not satisfied.185. Respond to any follow-on calls and provide any additional information required from office files.Are You looking for Property?Check Your Property Rates on Oyeok AppAndroid: OYEOK-Real Estate Prices-Rates - Android Apps on Google PlayiOS: OYEOK-Real Estate Prices-Rates - Android Apps on Google Play