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good morning hello and welcome to Zorro sign my name is akbar Jaffa and I'm the chief marketing officer of Zoras I thank you for joining today's webinar about electronic signature digital transaction management and document security and how they are impacting the real estate industry this webinar is 30 minutes long and we will have time at the end for Q&A this webinar is being recorded in this session we will cover changes in regulations legal and compliance that the e-signature technology is facing today and will increasingly face over the next 12 months and how those changes are already starting to impact the real estate transactions in particular we will review house or assign had anticipated and have addressed challenges posed by some of these changes and by taking a look at a few product capabilities that highlight our solution and what it looks like for a real estate professional on a daily basis as they go about their work the electronic signatures today there are convenient quick and easy to use however the increase in security breaches hacks and personal data being stolen and sold there is an increase in privacy concerns and questions about authenticity legality and security of electronic records and electronic signatures there is also an increase in interest regulations and guidelines at the state and federal government level when it comes to electronic records digital documents and use of electronic signature and establishing trust for example most recently the passage of federal 21st century IDE Act which was made into law in December 2018 and recent activity at the state level around electronic will and testament and inori and remote notary processes the federal 21st century IDE act is particularly of interest because it's to ofits for provisions directly applied to digital transactions and use of electronic signature especially in the real estate transactions due to the fact that real estate deals are considered high-value transactions and recorded at the state level and many are funded by federal programs these provisions are digitization of government services and forms and number two increased use of electronic signatures within federal agencies people who use electronic signatures today care about four things number one if I use electronic signature is the signature and the entire transaction legally binding and is the document authentic signatory attribution that the person who was supposed to sign a document did in fact sign the document or did the spouse have access to the other's email number three was the document modified either during or after the document signed number four when a document is sent via email attachment is the information of the user the document and the entire transactions secure and kept private when zora sign evaluated solutions available in the market today against the business requirements regulations compliance privacy trust and security concerns we found five major gaps first what these solutions call it a tronic signature is an image of your signature superimposed on top of a document it was sufficient 15 years ago but today the intent of signing a document is not enough given how easy it is to copy and paste signatures and documents there are some security and privacy concerns number two there's no guaranteed signatory attribution the tools just don't support this number three because an image of a signature is used to sign a document there's a notion of third party security certificate these don't really offer much in terms of authentication and verification they are an insurance policy at best the biggest problem there is that they expire every two years the question that we asked especially to the real estate industry is how can we sign a 30-year mortgage on a paper that expires every two years the answer is you can't and therefore the title companies the escrow companies most lawyers and lenders who deal with the high-value transactions don't use electronic signature today that is the reason why they still use wet ink signature and in-person and remote notary number for true workflow automation is missing at some point in time agents are still having to download scan print fax and send documents via email attachments it's because the support for handling end-to-end real estate transaction or processes are missing lastly it is very easy to modify a digital document during and after it is signed electronically so how does our sign solve these gaps in our East signature in DTM platform real electronic signature it so happens that one of zorro science co founders is the original inventor of the real electronic signature it started out using a pen a signature pad and sophisticated piece of software now you can sign using your finger or a stylus on a mobile device screen Zoro science proprietary electronic signature contains digital information as well as physical characteristics such as vector and geometry of your signature the thickness of the pen the pressure of the pen the angle and the speed of your pens movement it also includes useful metadata about location and device use so it's a real signature on a document versus just an image it's difference between intent of signing a document versus actually signing a document signatory attributions our sign leads the industry in using multi-factor authentication when electronically signing a document we were first to require user ID and password to complete the signing process today our customers can choose in addition to password one or more user authentication methods to establish the true identity of the signer it could be biometrics on a mobile device it could be a knowledge-based authentication that 3-year security question verification process that you're so familiar with one-time security code on your phone and more our solution is legally recognized by government agencies such as SBA for SBA loans banks lenders and more solar signed documents don't expire because zero sign uses a real patented electronic signature we are authorized to issue our own digital certificate we also work with your choice of third-party security certificates for you for legacy purposes and requirements Zoro science security certificates do not expire we call it our lifetime document escrow essentially you can stop being a paid customers or sign tomorrow you will continue to have access to your free source and account for life you can login view download and print documents from your past completed transactions and you won't be required to pay for subscription or security certificates real DTM is the missing piece Zoeller sign was built from the ground up as a digital transaction management platform of which electronic signature is a part of with zoar sign you can build simple or complex workflows like routing a completed document to the underwriter or lender with all supporting documents already attached automatically capturing chain-of-custody an order trail of all signers an exception handling like canceled recall resend and reject you can build templates and more all from a single dashboard sanctity of assigned documents today when a document is signed it lives in a secure vault and that is just fine but as it turns out life happens and we have to share those documents with third parties like lenders tax preparers judges lawyers and others we share our documents either as email attachments or printing them up in other words we must take the documents out of the secure cloud servers where they execute it and store in their live problems we all know how easy it is to modify a PDF document you can draw plain white boxes without borders around text and overwrite things or you can take an image of a signature by holding it in front of your laptop camera and start pasting it on document you can do all of that with free software such as Adobe Acrobat and Mac preview well those things that you can do with the document are not only not legal they cannot be traced tracked or detected so the challenge is how do you know that a document that was shared has not been tampered with or signature forced as it turns out that the problem is pre widespread document frauds insurance frauds financial frauds are being committed every day on a small and large scale the biggest one today is in it was in May of 2018 when Japanese Prime Minister Shinzo Abe a was caught tampering with documents related to a real estate deal that him and his wife weren't even supposed to be a part of a couple of cases where judges have rejected a key sign signed documents as not admissible in court so how does our sign solve this problem of document tampering and signature forgery to solve this Zahra sign was built on permissions based private blockchain technology where we take advantage of the security and privacy features of blockchain here is how it works once all the parties have signed the document a unique security token or a tamper seal if you will is placed onto the document once the token is placed you can now safely and securely share this document via email attachment or print when a user receives a document they can simply scan the token using the freezer or sign mobile app and within seconds the app will authenticate the user and tell you whether the document presented is or has it been modified for signature Ford the app can also show you complete chain of custody the detailed audit trail and other details about the document like biometrics was used to sign a document also no matter what version of the document was presented to you you can always look at a copy of the original document and all the supporting documents that were attached to the master document right on your mobile device so you can also visually compare the two as well introducing Zorro signed DTM in addition to all the capabilities recovered today Zorro signed platform comes with five major components including document management system and intelligent forms application Zhora sign is a single product simple price point and all the features are available to all the users I do want to mention saving the planet is something that Zorro sign and each team member holds very near and dear to our hearts and that we are proud of as an organization so every time a Zorro sign user saves a tree by not printing paper and using our service we plant a tree on their behalf now let's see some of the key features that are popular among the real estate professional users solar signs the most security signature platform documents are sent via secure communication link and sensitive documents are never sent via email attachment signers simply follow the friendly and helpful prompts guiding them through all the actions they are supposed to take on a document users can approve and also reject a document and provide a reason for rejecting with zora sign you can upload multiple documents at once as a single master document from any of your popular cloud drives or your desktop or simply by dragging and dropping documents you can also upload attachments as supporting documents sending documents via Zoeller sign is easy simply specify the signers in your required sequence and tag a document where they need to take actions such as fill in some information and sign and date within a couple of minutes you can send a document out for signature with zora sign you can build your own template library of frequently used document in the templates you can define placeholders for people and their actions tamper seal the document and have it ready for you and your team to use anytime every document in template and Zohreh sign has a workflow associated with it workflow ensures accurate execution of your agreements every time ensures chain of custody of the document and full audit trail workflow can handle cancelling projection and expired agreements within Xero sign dashboard you can accomplish many tasks quickly and easily you can review and take action in your Inbox you can view track and send reminders of documents out for signature you can send customized email reminders and you can label and organize your documents in a built-in file management system so this is a quick highlight of some of the features of Xero sign thank you for taking the time