<ul><li>What’s a Notary Public? </li></ul>
WHAT’S A NOTARY PUBLIC <ul><li>A member of one of the </li></ul><ul><li>WORLD’S OLDEST PROFESSIONS </li></ul>
The Notary Public.. <ul><li>A public servant who is commissioned by the Secretary of State </li></ul>
The Notary Public.. <ul><li>A responsible person </li></ul><ul><li>with </li></ul><ul><li>Proven integrity </li></ul>
The Notary Public.. <ul><li>Holds statewide jurisdiction. </li></ul>
The Notary Public <ul><li>A “ministerial official” who serves  “constituents”  </li></ul><ul><li>Similar to an elected off...
The Notary Public.. <ul><li>Has taken an official oath to faithfully perform the duties of the office. </li></ul>
Know and Strictly Follow.. <ul><li>All procedures and requirements  </li></ul><ul><li>In order to </li></ul><ul><li>protec...
The Notary Public.. <ul><li>Is obliged to serve. </li></ul><ul><li>Holds a separate and distinct position and </li></ul><u...
The Notary Public.. <ul><li>Must know and apply the laws governing his/her conduct. </li></ul>
The Notary Public is.. <ul><li>  Liable for negligence or fraud. </li></ul>
Why Do We Need Notaries? <ul><li>Or, What’s all the fuss about? </li></ul>
We Need Notaries to.. <ul><li>Help prevent fraud </li></ul><ul><li>Administer oaths and affirmations to oblige honesty </l...
TO QUALIFY, A TEXAS NOTARY PUBLIC MUST   <ul><ul><li>Have attained 18 years of age. </li></ul></ul><ul><ul><li>Be a legal ...
<ul><li>Complete your Notary Applicant  </li></ul><ul><li>Questionnaire. </li></ul>
<ul><li>Complete and sign the white application. </li></ul>
<ul><li>Your responsibilities  </li></ul><ul><li>as a  </li></ul><ul><li>Texas Notary Public </li></ul>
Your Primary Duties <ul><li>Take Acknowledgements </li></ul><ul><li>Administer Oaths/Affirmations </li></ul><ul><li>Protes...
Primary Duties <ul><li>Be a “disinterested party”. </li></ul><ul><li>Admonition as to importance of document. </li></ul><u...
No Responsibility For.. <ul><li>Truth of accuracy of documents </li></ul><ul><li>Verification of content </li></ul><ul><li...
Qualify <ul><li>Yourself </li></ul><ul><li>Your Constituent </li></ul><ul><li>The Instrument(s) </li></ul>
What Can Be Notarized? <ul><li>A document signed in front of the Notary  </li></ul><ul><li>or </li></ul><ul><li>ACKNOWLEDG...
What Can Be Notarized? <ul><li>Exact Copies of Documents </li></ul><ul><li>That Are </li></ul><ul><ul><li>NOT   Recordable...
What Can Be Notarized? <ul><li>All Documents Must Commit the Constituent. </li></ul>
What Can Be Notarized? <ul><li>All Documents Must Contain a Certificate of </li></ul><ul><li>Acknowledgement </li></ul><ul...
What Can Be Notarized? <ul><li>Last Wills and Testaments </li></ul><ul><li>Living Wills </li></ul>
What Can Be Notarized? <ul><li>Photographs </li></ul><ul><li>But Only with </li></ul><ul><li>A Notarial Certificate of Cop...
VERIFICATION <ul><li>Ascertaining truth of an allegation </li></ul>
AFFADAVIT <ul><li>Written Declaration of Facts </li></ul><ul><li>Sworn to or Affirmed before a Notary </li></ul><ul><li>Su...
EXAMPLE OF AFFADAVIT
AFFADAVIT – THREE PARTS <ul><li>Caption: Including the Venue and, if for court, a title </li></ul><ul><li>Body: The Affian...
DEPOSITION <ul><li>Written Statement </li></ul><ul><li>Made Under Oath </li></ul><ul><li>Taken out of Court </li></ul><ul>...
DEPOSITION <ul><li>Notary can take for Civil Proceeding </li></ul><ul><li>Notary Has Limited Power of Subpoena </li></ul><...
DEPOSITION CERT EXAMPLES
COPY CERTIFICATION <ul><li>Origin of Power: Before Xerox </li></ul><ul><li>Uses: </li></ul><ul><ul><li>Business Documents ...
COPY CERTIFICATION <ul><li>Recordable Instruments - NO WAY!! </li></ul><ul><ul><li>Look for words “Filed On” or “Recorded ...
COPY CERTIFICATION <ul><li>Some Samples of No-No's </li></ul><ul><ul><li>Birth/Death/Marriage Certificates </li></ul></ul>...
EXAMPLE OF COPY CERTIF
PROTEST <ul><li>Statement Written by the Notary as a </li></ul><ul><li>Certificate of Dishonor of an instrument </li></ul>...
EXAMPLE OF PROTEST
SCHEDULE OF FEES <ul><li>Must be posted conspicuously. </li></ul><ul><li>The duty to inform </li></ul>
NOTARY FEE LIMITS <ul><li>Notary public fees are set by the Secretary of State. It is up to the Notary or their employer t...
TIME AND TRAVEL <ul><li>Notary may charge for time and travel. </li></ul><ul><li>Constituent must have agreed prior to dep...
OTHER FEE REQUIREMENTS <ul><li>Posting of Fees Required </li></ul><ul><li>Fee Book Required (Journal suffices) </li></ul><...
To Be Appointed You Must <ul><li>Be at least 18 years of age </li></ul><ul><li>Be a legal Texas resident </li></ul><ul><li...
APOSTILLE <ul><li>To prove you’re a Notary Public: </li></ul><ul><li>http://www.sos.state.tx.us/statdoc/forms/2303.pdf </l...
THE NOTARIZATION PROCESS <ul><li>Verification of IDENTITY </li></ul><ul><li>Assurance of COMPETENCE </li></ul><ul><li>ACKN...
IDENTITY OF CONSTITUENTS <ul><li>Three ways to make identification: </li></ul><ul><li>PERSONALLY KNOWN </li></ul><ul><li>I...
PERSONAL KNOWLEDGE <ul><li>Familiarity   </li></ul><ul><ul><li>From interaction </li></ul></ul><ul><ul><li>Over sufficient...
I.D. DOCUMENTATION <ul><ul><li>Government issued </li></ul></ul><ul><ul><li>Contains the Individual’s </li></ul></ul><ul><...
EXAMPLES OF I.D. DOCUMENTS <ul><ul><ul><li>Drivers License </li></ul></ul></ul><ul><ul><ul><li>State Issued I.D. </li></ul...
SUPPORT DOCS ONLY <ul><li>Social Security Card </li></ul><ul><ul><li>No Photograph </li></ul></ul><ul><ul><li>No Descripti...
FALSIFIED DOCUMENTATION <ul><li>Examine for overlays: content & photo. </li></ul><ul><li>Is the person really described? <...
CREDIBLE WITNESS <ul><li>Determine  Competence  (Later) </li></ul><ul><li>Must be a disinterested party. </li></ul>
CREDIBLE WITNESS <ul><li>Chain </li></ul><ul><ul><ul><ul><li>of </li></ul></ul></ul></ul><ul><ul><ul><ul><li>  Knowledge <...
THE CHAIN OF KNOWLEDGE <ul><li>The Notary knows the Credible Witness. </li></ul><ul><li>Credible Witness Knows the Signer....
COMPETENCE <ul><li>ABILITY TO UNDERSTAND the document </li></ul><ul><ul><ul><li>Not the LEVEL of understanding </li></ul><...
LEGAL DISABILITY <ul><li>Insanity, etc. </li></ul><ul><li>Minors (There’s a difference?) </li></ul>
PHYSICAL DISABILITY <ul><li>Inability to see, hear and/or write </li></ul>
INTELLECTUAL DISABILITY <ul><li>Illiteracy </li></ul><ul><li>Mental Incapacitation </li></ul>
SIGNATURE BY MARK <ul><li>Constituent must meet all other criteria. </li></ul><ul><li>Two signing witnesses required </li>...
THE QUADRAPLEGIC <ul><li>Authority to Sign with Pen in Mouth </li></ul><ul><ul><ul><li>Constituent’s Attorney </li></ul></...
BLINDNESS <ul><li>The Notary </li></ul><ul><ul><li>May Not Explain the Document. </li></ul></ul><ul><ul><li>May read the d...
DEAFNESS <ul><li>Pass notes. </li></ul><ul><li>Lip read. </li></ul><ul><li>Sign language </li></ul><ul><li>Yell </li></ul>
WHEN THE NOTARY SIGNS <ul><li>Inability to even sign by mark. </li></ul><ul><li>Constituent must direct the Notary to sign...
WHEN THE NOTARY SIGNS <ul><li>Signed____________________________ </li></ul><ul><li>Signature affixed by Notary in the pres...
COMPETENCE OF MINORS <ul><li>Minors “competent” for Necessities” </li></ul><ul><ul><li>Examples: </li></ul></ul><ul><ul><u...
BARRIERS TO MINORS <ul><li>Ability to understand  </li></ul><ul><ul><li>The document </li></ul></ul><ul><ul><li>The implic...
ACKNOWLEDGEMENTS <ul><li>The most common act of the Notary </li></ul>
THE ACKNOWLEDGEMENT <ul><li>A formal declaration made  in person </li></ul><ul><ul><li>Before the Notary Public </li></ul>...
THE ACKNOWLEDGEMENT <ul><li>Signing in presence of Notary not mandatory. </li></ul><ul><li>Acknowledgement by all signers ...
THE PROCEDURE <ul><li>1. Determine identification & competence. </li></ul><ul><li>2. If document is already signed, compar...
THE CEREMONY <ul><li>An example of a proper ceremony is: </li></ul><ul><li>After the instrument is signed the Notary asks ...
COMPLETING THE TRANSACTION <ul><ul><li>Notary records journal entries and secures signature. </li></ul></ul><ul><ul><li>No...
ACK SHORT FORM
ACK NATURAL ATTORNEY-IN-FACT
ACK PARTNERSHIP
ACK CORPORATION
ACK PUBLIC OFFICER ETC
ACK UNABLE TO WRITE
OATHS & AFFIRMATIONS
OATHS <ul><li>Pledges to a Supreme Being with legal purpose </li></ul><ul><li>Violations subject to penalties of perjury <...
AFFIRMATIONS <ul><li>A legal answer to religious or irreligious aversion </li></ul><ul><li>No reference made to a Supreme ...
OATHS & AFFIRMATIONS <ul><li>All rules of Identification and Competence are applicable. </li></ul>
THE CEREMONY <ul><li>Notary “administers” or “gives” oath to a Person who “takes” the oath. </li></ul>
THE CEREMONY <ul><li>Notary has person raise the right hand. </li></ul><ul><li>Notary issues the statement such as </li></...
COMPLETING THE TRANSACTION <ul><ul><li>Notary records journal entries and secures signature. </li></ul></ul><ul><ul><li>No...
JURAT EXAMPLE
WHY A RECORD BOOK?
KEEP GOOD RECORDS <ul><li>Accurate record keeping required by law. </li></ul><ul><li>Information may be needed years later...
WHY A JOURNAL? <ul><li>Well bound – not subject to page replacement </li></ul><ul><li>Compels chronological entries. </li>...
JOURNAL RULES <ul><li>Never fail to make entry in journal. </li></ul><ul><li>Always make entry and get signature before co...
MORE JOURNAL RULES <ul><li>Never share your journal. </li></ul><ul><li>If certified copy of entry, obscure all other entri...
THE NOTARY SEAL <ul><li>REQUIRED ELEMENTS: </li></ul><ul><ul><li>The words “Notary Public, State of Texas” </li></ul></ul>...
AUTHORIZED SEAL TYPES <ul><li>Rubber stamp – rectangular or round </li></ul><ul><ul><li>We recommend rectangular. </li></u...
A SAMPLE SEAL  (Please imagine a serrated border.)
SAFEGUARD YOUR SEAL <ul><li>Keep your seal and journal locked up at all times when not in use. </li></ul><ul><li>NOTIFY SO...
 
<ul><li>TEN COMMANDMENTS OF THE NOTARY PUBLIC </li></ul><ul><li>Violation of any would subject the notary to possible crim...
COMMANDMENT I <ul><li>THOU SHALT NOT perform acts which constitute the practice of law. </li></ul><ul><li>Violation would ...
COMMANDMENT II <ul><li>THOU SHALT NOT prepare, draft, select or give advise concerning legal documents. </li></ul><ul><li>...
COMMANDMENT III <ul><li>THOU SHALT NOT translate the term “Notary Public” in Spanish as “Notario Publico”  </li></ul><ul><...
COMMANDMENT IV <ul><li>THOU SHALT NOT overcharge for notarial services. </li></ul><ul><li>Violation would subject the nota...
COMMANDMENT V <ul><li>THOU SHALT NOT notarize a document without the signer being present. </li></ul><ul><li>Violation wou...
COMMANDMENT VI <ul><li>THOU SHALT NOT notarize your own signature. </li></ul><ul><li>Violation would subject the notary to...
COMMANDMENT VII <ul><li>THOU SHALT NOT issue ID cards. </li></ul><ul><li>Violation would subject the notary to possible cr...
COMMANDMENT VIII <ul><li>THOU SHALT NOT sign a document using any name other than the one under which you are commissioned...
COMMANDMENT IX <ul><li>THOU SHALT NOT fail to affix your signature and seal to any document you notarize. </li></ul><ul><l...
COMMANDMENT X <ul><li>THOU SHALT NOT certify copies of documents recordable in the public record. </li></ul><ul><li>Violat...
NOTARY BOND <ul><li>$10,000 surety bond required of all other than State employees. </li></ul><ul><li>Bond protects the PU...
PROTECTION FOR THE NOTARY <ul><li>Not required by law but Highly recommended. </li></ul><ul><li>The typical business gener...
INDIVIDUAL INSURANCE <ul><li>Four year aggregate limit of </li></ul><ul><ul><li>$35,000.00 for damage awards </li></ul></u...
BLANKET INSURANCE <ul><li>24 Hour coverage </li></ul><ul><li>No other business professional liability covers notaries whil...
BLANKET INSURANCE <ul><li>Reduced administrative hassles & risks.  </li></ul><ul><li>All employed by Named Insured are pro...
MISCELLANEOUS <ul><li>Be sworn in immediately upon receipt of commission. </li></ul><ul><li>Four year term: no reminder fr...
NEED HELP? <ul><li>The Paralegal at SOS, wants to hear from you.  (512) 463-5705 prompts 1,1,8 </li></ul>
FREQUENTLY ASKED ??
FREQUENTLY ASKED ???
PRACTICE EXAM
1) A notary may not notarize in any case where the act involves: <ul><li>A friend </li></ul><ul><li>A family member </li><...
2) A notary may pre-sign acknowledgements only in the following case: <ul><li>If the notary is going out of town </li></ul...
3) Which of the following may become a Texas Notary. <ul><li>A minor under the age of 18 </li></ul><ul><li>A non-resident ...
4) The difference between an oath and affirmation is: <ul><li>An oath is a pledge to a Supreme Being and an affirmation is...
5) A notary may notarize documents if: <ul><li>The document originates in Texas </li></ul><ul><li>If the signer lives in T...
6) A notary may certify copies of; <ul><li>Business documents </li></ul><ul><li>Birth certificates </li></ul><ul><li>Real ...
7) A notary public may charge: <ul><li>Any fee they want </li></ul><ul><li>$6.00 for taking a acknowledgement </li></ul><u...
8) A notary journal must be kept by: <ul><li>The notary’s employer </li></ul><ul><li>The notary if they choose to </li></u...
9) The statement that a document was signed before a notary public is guaranteed in: <ul><li>An affirmation </li></ul><ul>...
10) A person who makes a sworn statement before a notary is; <ul><li>An affiant </li></ul><ul><li>A respondent </li></ul><...
11) The following items must appear in the journal; <ul><li>The type of notarial act performed </li></ul><ul><li>The date ...
12) A ‘short form’ Acknowledgement certificate contains all but the following; <ul><li>The venue </li></ul><ul><li>The typ...
13) Personal appearance means; <ul><li>A written note from an absentee signer </li></ul><ul><li>A phone call </li></ul><ul...
14) Which of the following will help reduce the chance of a lawsuit; <ul><li>Purchasing a notary bond </li></ul><ul><li>Pu...
15) A credible witness who is used to verify the identity of the signer must: <ul><li>Be personally known to the notary </...
16) You make an accidental $15,000 error; you are financially liable for; <ul><li>The entire amount </li></ul><ul><li>The ...
17) A notary may charge which of the following fees for notarizing three signatures in an acknowledgement. <ul><li>$6.00 <...
18) To qualify as a notary public you must: <ul><li>Be at lease 18 years old </li></ul><ul><li>Be a resident of the state ...
19) A notary must notify the Secretary of State when changing address: <ul><li>Within 10 days </li></ul><ul><li>Within 30 ...
20) Which of the following practices will help reduce the likelihood of fraud: <ul><li>Requiring personal appearance at th...
21) To apply for a notary commission, you must: <ul><li>Complete an application </li></ul><ul><li>Post a bond for $10,000....
22) An affirmation is equivalent to a: <ul><li>Deposition </li></ul><ul><li>Acknowledgement </li></ul><ul><li>Oath </li></...
23) Which of the following would prevent a notary from notarizing; <ul><li>It is Sunday. </li></ul><ul><li>The document wa...
24) The main purpose of an acknowledgment is: <ul><li>To positively identify the signer. </li></ul><ul><li>To compel the t...
25) Which of the following is true: <ul><li>Errors and Omissions Insurance is required. </li></ul><ul><li>A notary bond is...
ANSWER KEY 1. C 2. C 3. C 4. A 5. C 6. A 7. B 8. D 9. D 10. A 11. D 12. B 13. C 14. C 15. D 16. A 17. C 18. D 19. A 20. D ...
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Texas Notary Seminar

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Texas Notary Training Seminar, Atkinson Bros. Agency

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Texas Notary Seminar

  1. 2. <ul><li>What’s a Notary Public? </li></ul>
  2. 3. WHAT’S A NOTARY PUBLIC <ul><li>A member of one of the </li></ul><ul><li>WORLD’S OLDEST PROFESSIONS </li></ul>
  3. 4. The Notary Public.. <ul><li>A public servant who is commissioned by the Secretary of State </li></ul>
  4. 5. The Notary Public.. <ul><li>A responsible person </li></ul><ul><li>with </li></ul><ul><li>Proven integrity </li></ul>
  5. 6. The Notary Public.. <ul><li>Holds statewide jurisdiction. </li></ul>
  6. 7. The Notary Public <ul><li>A “ministerial official” who serves “constituents” </li></ul><ul><li>Similar to an elected official </li></ul>
  7. 8. The Notary Public.. <ul><li>Has taken an official oath to faithfully perform the duties of the office. </li></ul>
  8. 9. Know and Strictly Follow.. <ul><li>All procedures and requirements </li></ul><ul><li>In order to </li></ul><ul><li>protect the public and the Notary Public from harm and damage </li></ul>
  9. 10. The Notary Public.. <ul><li>Is obliged to serve. </li></ul><ul><li>Holds a separate and distinct position and </li></ul><ul><li>Must faithfully perform duties despite any conflicts from employment. </li></ul>
  10. 11. The Notary Public.. <ul><li>Must know and apply the laws governing his/her conduct. </li></ul>
  11. 12. The Notary Public is.. <ul><li> Liable for negligence or fraud. </li></ul>
  12. 13. Why Do We Need Notaries? <ul><li>Or, What’s all the fuss about? </li></ul>
  13. 14. We Need Notaries to.. <ul><li>Help prevent fraud </li></ul><ul><li>Administer oaths and affirmations to oblige honesty </li></ul><ul><li>Certify that signatures are genuine </li></ul>
  14. 15. TO QUALIFY, A TEXAS NOTARY PUBLIC MUST <ul><ul><li>Have attained 18 years of age. </li></ul></ul><ul><ul><li>Be a legal resident of The State of Texas. </li></ul></ul><ul><ul><li>Be of good moral character. </li></ul></ul><ul><ul><li>Have provided a $10,000.00 notary bond. </li></ul></ul><ul><ul><li>Hold a picture ID issued by a state or federal agency. </li></ul></ul>
  15. 16. <ul><li>Complete your Notary Applicant </li></ul><ul><li>Questionnaire. </li></ul>
  16. 17. <ul><li>Complete and sign the white application. </li></ul>
  17. 18. <ul><li>Your responsibilities </li></ul><ul><li>as a </li></ul><ul><li>Texas Notary Public </li></ul>
  18. 19. Your Primary Duties <ul><li>Take Acknowledgements </li></ul><ul><li>Administer Oaths/Affirmations </li></ul><ul><li>Protest Instruments (Rare) </li></ul><ul><li>Take Depositions/affidavits </li></ul><ul><li>Execute Jurats </li></ul><ul><li>Certify copies of non-recordable documents </li></ul>
  19. 20. Primary Duties <ul><li>Be a “disinterested party”. </li></ul><ul><li>Admonition as to importance of document. </li></ul><ul><li>Secure declaration of genuineness of </li></ul><ul><li>Identity </li></ul><ul><li>Signature </li></ul><ul><li>Reasons for signing </li></ul>
  20. 21. No Responsibility For.. <ul><li>Truth of accuracy of documents </li></ul><ul><li>Verification of content </li></ul><ul><li>Legalization or validation. </li></ul><ul><li>(Notarization cannot “cure” documents) </li></ul>
  21. 22. Qualify <ul><li>Yourself </li></ul><ul><li>Your Constituent </li></ul><ul><li>The Instrument(s) </li></ul>
  22. 23. What Can Be Notarized? <ul><li>A document signed in front of the Notary </li></ul><ul><li>or </li></ul><ul><li>ACKNOWLEDGED by the signer before the Notary to have been signed. </li></ul>
  23. 24. What Can Be Notarized? <ul><li>Exact Copies of Documents </li></ul><ul><li>That Are </li></ul><ul><ul><li>NOT Recordable </li></ul></ul><ul><ul><li>for Public Record </li></ul></ul>
  24. 25. What Can Be Notarized? <ul><li>All Documents Must Commit the Constituent. </li></ul>
  25. 26. What Can Be Notarized? <ul><li>All Documents Must Contain a Certificate of </li></ul><ul><li>Acknowledgement </li></ul><ul><li>Jurat, or </li></ul><ul><li>Verification </li></ul>
  26. 27. What Can Be Notarized? <ul><li>Last Wills and Testaments </li></ul><ul><li>Living Wills </li></ul>
  27. 28. What Can Be Notarized? <ul><li>Photographs </li></ul><ul><li>But Only with </li></ul><ul><li>A Notarial Certificate of Copy </li></ul><ul><li>Signature Must Be Original </li></ul>
  28. 29. VERIFICATION <ul><li>Ascertaining truth of an allegation </li></ul>
  29. 30. AFFADAVIT <ul><li>Written Declaration of Facts </li></ul><ul><li>Sworn to or Affirmed before a Notary </li></ul><ul><li>Subject to Penalties of Perjury </li></ul><ul><li>Notice to Adverse Party Not Required </li></ul><ul><li>No Cross Examination </li></ul>
  30. 31. EXAMPLE OF AFFADAVIT
  31. 32. AFFADAVIT – THREE PARTS <ul><li>Caption: Including the Venue and, if for court, a title </li></ul><ul><li>Body: The Affiant’s Statement </li></ul><ul><li>Jurat: Obliges Truth – Penalties of Perjury </li></ul>
  32. 33. DEPOSITION <ul><li>Written Statement </li></ul><ul><li>Made Under Oath </li></ul><ul><li>Taken out of Court </li></ul><ul><li>Subject to </li></ul><ul><ul><li>Cross Examination </li></ul></ul><ul><ul><li>Penalties of Perjury </li></ul></ul>
  33. 34. DEPOSITION <ul><li>Notary can take for Civil Proceeding </li></ul><ul><li>Notary Has Limited Power of Subpoena </li></ul><ul><ul><li>EXERCISE GREAT CAUTION OR AVOID </li></ul></ul><ul><li>Notary Must Follow Texas Rules of Civil Procedure </li></ul>
  34. 35. DEPOSITION CERT EXAMPLES
  35. 36. COPY CERTIFICATION <ul><li>Origin of Power: Before Xerox </li></ul><ul><li>Uses: </li></ul><ul><ul><li>Business Documents </li></ul></ul><ul><ul><li>Diplomas </li></ul></ul><ul><ul><li>Transcripts </li></ul></ul><ul><ul><li>Letters </li></ul></ul><ul><ul><li>(Make the copy yourself or don’t certify.) </li></ul></ul>
  36. 37. COPY CERTIFICATION <ul><li>Recordable Instruments - NO WAY!! </li></ul><ul><ul><li>Look for words “Filed On” or “Recorded On” </li></ul></ul>
  37. 38. COPY CERTIFICATION <ul><li>Some Samples of No-No's </li></ul><ul><ul><li>Birth/Death/Marriage Certificates </li></ul></ul><ul><ul><li>Deeds </li></ul></ul><ul><ul><li>Certificate of </li></ul></ul><ul><ul><ul><li>Naturalization </li></ul></ul></ul><ul><ul><ul><li>Citizenship </li></ul></ul></ul><ul><ul><ul><li>Declaration of Intent to Become a Citizen </li></ul></ul></ul>
  38. 39. EXAMPLE OF COPY CERTIF
  39. 40. PROTEST <ul><li>Statement Written by the Notary as a </li></ul><ul><li>Certificate of Dishonor of an instrument </li></ul><ul><li>Must identify the instrument </li></ul><ul><li>Must certify that it was </li></ul><ul><li>Presented to be honored and </li></ul><ul><li>Dishonored by refusal to accept or pay </li></ul><ul><li>Notary may also certify notice to some or all parties. </li></ul>
  40. 41. EXAMPLE OF PROTEST
  41. 42. SCHEDULE OF FEES <ul><li>Must be posted conspicuously. </li></ul><ul><li>The duty to inform </li></ul>
  42. 43. NOTARY FEE LIMITS <ul><li>Notary public fees are set by the Secretary of State. It is up to the Notary or their employer to decide if they want to charge for the services. </li></ul><ul><li>The following fees became effective September 1, 1995. </li></ul><ul><li>Protesting a bill or note for non-acceptance or </li></ul><ul><li>Non-payment, register and seal…………………………….. $4.00 </li></ul><ul><li>Each notice of protest……………………………………..…..……….. $1.00 </li></ul><ul><li>Protesting in all other cases, for each 100 words……….………….. $4.00 </li></ul><ul><li>Certificate and seal to a protest…………………………………….. $4.00 </li></ul><ul><li>Taking the acknowledgment or proof of any deed or other instrument </li></ul><ul><li>In writing, for registration, including certificate and seal; </li></ul><ul><li>for the first signature ……………….………….…….. $6.00 </li></ul><ul><li>for each additional signature…………………………… $1.00 </li></ul><ul><li>Administering an oath or affirmation with certificate and seal ………………. $6.00 </li></ul><ul><li>All certificates under seal not otherwise provided for ……………………….. $6.00 </li></ul><ul><li>Copies of all records and papers in their office, for each page………………. $0.50 </li></ul><ul><li>All notarial acts not provided for………………………………………...…….. $6.00 </li></ul><ul><li>Taking the depositions of witnesses, for each 100 words……………………. $0.50 </li></ul><ul><li>Swearing a witness to depositions, making certificate thereof with seal, </li></ul><ul><li>Business connected with taking such deposition………………….… $6.00 </li></ul>
  43. 44. TIME AND TRAVEL <ul><li>Notary may charge for time and travel. </li></ul><ul><li>Constituent must have agreed prior to departure. </li></ul><ul><li>Make a separate entry in journal. </li></ul><ul><li>Get signature. </li></ul>
  44. 45. OTHER FEE REQUIREMENTS <ul><li>Posting of Fees Required </li></ul><ul><li>Fee Book Required (Journal suffices) </li></ul><ul><li>Receipts Required (Office Depot/Max) </li></ul>
  45. 46. To Be Appointed You Must <ul><li>Be at least 18 years of age </li></ul><ul><li>Be a legal Texas resident </li></ul><ul><li>Be of good moral character </li></ul><ul><li>Provide a $10,000 bond payable to The State of Texas </li></ul><ul><li>Hold a picture identification card issued by a state or federal agency </li></ul>
  46. 47. APOSTILLE <ul><li>To prove you’re a Notary Public: </li></ul><ul><li>http://www.sos.state.tx.us/statdoc/forms/2303.pdf </li></ul><ul><li>The Apostille is most often required by a foreign entity. </li></ul>
  47. 48. THE NOTARIZATION PROCESS <ul><li>Verification of IDENTITY </li></ul><ul><li>Assurance of COMPETENCE </li></ul><ul><li>ACKNOWLEDGEMENT, or </li></ul><ul><li>OATH/AFFIRMATION </li></ul><ul><li>JOURNAL ENTRY & SIGNATURES </li></ul><ul><li>NOTARIAL CERTIFICATE </li></ul><ul><li>SEAL & SIGNATURE </li></ul><ul><li>RECEIPT </li></ul>
  48. 49. IDENTITY OF CONSTITUENTS <ul><li>Three ways to make identification: </li></ul><ul><li>PERSONALLY KNOWN </li></ul><ul><li>IDENTIFICATION DOCUMENTS </li></ul><ul><li>CREDIBLE WITNESS </li></ul>
  49. 50. PERSONAL KNOWLEDGE <ul><li>Familiarity </li></ul><ul><ul><li>From interaction </li></ul></ul><ul><ul><li>Over sufficient time to </li></ul></ul><ul><ul><li>Eliminate every reasonable doubt </li></ul></ul>
  50. 51. I.D. DOCUMENTATION <ul><ul><li>Government issued </li></ul></ul><ul><ul><li>Contains the Individual’s </li></ul></ul><ul><ul><ul><li>Photograph </li></ul></ul></ul><ul><ul><ul><li>Signature </li></ul></ul></ul><ul><ul><ul><li>Physical Description: </li></ul></ul></ul><ul><ul><ul><ul><ul><li>Date of Birth Eye Color </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Height Weight Sex </li></ul></ul></ul></ul></ul>
  51. 52. EXAMPLES OF I.D. DOCUMENTS <ul><ul><ul><li>Drivers License </li></ul></ul></ul><ul><ul><ul><li>State Issued I.D. </li></ul></ul></ul><ul><ul><ul><li>U.S. Military I.D. </li></ul></ul></ul><ul><ul><ul><li>Passport </li></ul></ul></ul>
  52. 53. SUPPORT DOCS ONLY <ul><li>Social Security Card </li></ul><ul><ul><li>No Photograph </li></ul></ul><ul><ul><li>No Description </li></ul></ul><ul><li>Birth Certificate </li></ul><ul><ul><li>Photo, if any, out of date </li></ul></ul><ul><ul><li>No signature </li></ul></ul><ul><ul><li>No valid description </li></ul></ul>
  53. 54. FALSIFIED DOCUMENTATION <ul><li>Examine for overlays: content & photo. </li></ul><ul><li>Is the person really described? </li></ul><ul><li>Compare document to your own. </li></ul><ul><li>Compare signatures. </li></ul><ul><li>Ask for date of birth. </li></ul>
  54. 55. CREDIBLE WITNESS <ul><li>Determine Competence (Later) </li></ul><ul><li>Must be a disinterested party. </li></ul>
  55. 56. CREDIBLE WITNESS <ul><li>Chain </li></ul><ul><ul><ul><ul><li>of </li></ul></ul></ul></ul><ul><ul><ul><ul><li> Knowledge </li></ul></ul></ul></ul>
  56. 57. THE CHAIN OF KNOWLEDGE <ul><li>The Notary knows the Credible Witness. </li></ul><ul><li>Credible Witness Knows the Signer. </li></ul><ul><li>The Notary administers Oath/Affirmation of </li></ul><ul><ul><li>Same with Journal Entry & Signature. </li></ul></ul>
  57. 58. COMPETENCE <ul><li>ABILITY TO UNDERSTAND the document </li></ul><ul><ul><ul><li>Not the LEVEL of understanding </li></ul></ul></ul><ul><li>The Public Interest is at stake. </li></ul><ul><li>Exercise Common Sense. </li></ul><ul><li>If still in doubt call Dora. </li></ul>
  58. 59. LEGAL DISABILITY <ul><li>Insanity, etc. </li></ul><ul><li>Minors (There’s a difference?) </li></ul>
  59. 60. PHYSICAL DISABILITY <ul><li>Inability to see, hear and/or write </li></ul>
  60. 61. INTELLECTUAL DISABILITY <ul><li>Illiteracy </li></ul><ul><li>Mental Incapacitation </li></ul>
  61. 62. SIGNATURE BY MARK <ul><li>Constituent must meet all other criteria. </li></ul><ul><li>Two signing witnesses required </li></ul><ul><li>Witnesses must be disinterested. </li></ul><ul><li>Prove identification of witnesses. </li></ul><ul><li>One witness writes constituent’s name next to the mark. </li></ul><ul><li>Record demographics of witnesses. </li></ul><ul><li>Have both witnesses sign journal. </li></ul>
  62. 63. THE QUADRAPLEGIC <ul><li>Authority to Sign with Pen in Mouth </li></ul><ul><ul><ul><li>Constituent’s Attorney </li></ul></ul></ul><ul><ul><ul><li>Constituent’s Guardian </li></ul></ul></ul><ul><ul><ul><li>No t From the Notary </li></ul></ul></ul>
  63. 64. BLINDNESS <ul><li>The Notary </li></ul><ul><ul><li>May Not Explain the Document. </li></ul></ul><ul><ul><li>May read the document aloud. </li></ul></ul><ul><ul><li>Must Determine if it’s the right item. </li></ul></ul>
  64. 65. DEAFNESS <ul><li>Pass notes. </li></ul><ul><li>Lip read. </li></ul><ul><li>Sign language </li></ul><ul><li>Yell </li></ul>
  65. 66. WHEN THE NOTARY SIGNS <ul><li>Inability to even sign by mark. </li></ul><ul><li>Constituent must direct the Notary to sign. </li></ul><ul><li>Notary must sign in presence of a witness. </li></ul><ul><li>Witness must have no legal interest. </li></ul><ul><li>Acknowledgement rules apply to witness. </li></ul>
  66. 67. WHEN THE NOTARY SIGNS <ul><li>Signed____________________________ </li></ul><ul><li>Signature affixed by Notary in the presence </li></ul><ul><li>of (name of witness). </li></ul>
  67. 68. COMPETENCE OF MINORS <ul><li>Minors “competent” for Necessities” </li></ul><ul><ul><li>Examples: </li></ul></ul><ul><ul><ul><li>Food </li></ul></ul></ul><ul><ul><ul><li>Clothing </li></ul></ul></ul><ul><ul><ul><li>Shelter </li></ul></ul></ul>
  68. 69. BARRIERS TO MINORS <ul><li>Ability to understand </li></ul><ul><ul><li>The document </li></ul></ul><ul><ul><li>The implications of signing </li></ul></ul><ul><li>Identification </li></ul><ul><ul><li>Documentation not likely </li></ul></ul><ul><ul><li>Personal knowledge </li></ul></ul><ul><ul><li>Credible Witness </li></ul></ul><ul><ul><li>Defer </li></ul></ul>
  69. 70. ACKNOWLEDGEMENTS <ul><li>The most common act of the Notary </li></ul>
  70. 71. THE ACKNOWLEDGEMENT <ul><li>A formal declaration made in person </li></ul><ul><ul><li>Before the Notary Public </li></ul></ul><ul><ul><li>Confirming their signature as voluntary </li></ul></ul><ul><ul><li>Performed to carry out document’s purposes </li></ul></ul>
  71. 72. THE ACKNOWLEDGEMENT <ul><li>Signing in presence of Notary not mandatory. </li></ul><ul><li>Acknowledgement by all signers must occur in person. </li></ul><ul><li>Always conduct the ceremony! </li></ul>
  72. 73. THE PROCEDURE <ul><li>1. Determine identification & competence. </li></ul><ul><li>2. If document is already signed, compare signature with identification document. </li></ul><ul><li>3. Examine the document for completion </li></ul><ul><ul><ul><li>Including presence of notarial certificate. </li></ul></ul></ul><ul><ul><ul><li>If incomplete, refuse to serve. </li></ul></ul></ul><ul><li>Perform the Ceremony. </li></ul>
  73. 74. THE CEREMONY <ul><li>An example of a proper ceremony is: </li></ul><ul><li>After the instrument is signed the Notary asks the Constituent: “Do you acknowledge having voluntarily executed this instrument for the purpose and consideration expressed in it?” </li></ul><ul><li>If answered with “Yes” then.. </li></ul>
  74. 75. COMPLETING THE TRANSACTION <ul><ul><li>Notary records journal entries and secures signature. </li></ul></ul><ul><ul><li>Notary collects fee and gives receipt. </li></ul></ul><ul><ul><li>Notary completes & signs Certificate & affixes seal. </li></ul></ul>
  75. 76. ACK SHORT FORM
  76. 77. ACK NATURAL ATTORNEY-IN-FACT
  77. 78. ACK PARTNERSHIP
  78. 79. ACK CORPORATION
  79. 80. ACK PUBLIC OFFICER ETC
  80. 81. ACK UNABLE TO WRITE
  81. 82. OATHS & AFFIRMATIONS
  82. 83. OATHS <ul><li>Pledges to a Supreme Being with legal purpose </li></ul><ul><li>Violations subject to penalties of perjury </li></ul>
  83. 84. AFFIRMATIONS <ul><li>A legal answer to religious or irreligious aversion </li></ul><ul><li>No reference made to a Supreme Being”. </li></ul><ul><li>“ Swear” is replaced by “Affirm”. </li></ul><ul><li>Penalties of perjury still apply. </li></ul>
  84. 85. OATHS & AFFIRMATIONS <ul><li>All rules of Identification and Competence are applicable. </li></ul>
  85. 86. THE CEREMONY <ul><li>Notary “administers” or “gives” oath to a Person who “takes” the oath. </li></ul>
  86. 87. THE CEREMONY <ul><li>Notary has person raise the right hand. </li></ul><ul><li>Notary issues the statement such as </li></ul><ul><ul><li>“ Do you solemnly swear that…..so help you God? Answer by saying ‘I do’ or ‘I will’”. </li></ul></ul>
  87. 88. COMPLETING THE TRANSACTION <ul><ul><li>Notary records journal entries and secures signature. </li></ul></ul><ul><ul><li>Notary collects fee and gives receipt. </li></ul></ul><ul><ul><li>Notary completes & signs Jurat & affixes seal. </li></ul></ul>
  88. 89. JURAT EXAMPLE
  89. 90. WHY A RECORD BOOK?
  90. 91. KEEP GOOD RECORDS <ul><li>Accurate record keeping required by law. </li></ul><ul><li>Information may be needed years later. </li></ul><ul><li>Information is “Public Record”, subject to inspection and subpoena. </li></ul>
  91. 92. WHY A JOURNAL? <ul><li>Well bound – not subject to page replacement </li></ul><ul><li>Compels chronological entries. </li></ul><ul><li>The only way to “prove a negative”. </li></ul>
  92. 93. JOURNAL RULES <ul><li>Never fail to make entry in journal. </li></ul><ul><li>Always make entry and get signature before completing the certificate. </li></ul><ul><li>Never use white-out. Single line through incorrect portion, initial correction. </li></ul>
  93. 94. MORE JOURNAL RULES <ul><li>Never share your journal. </li></ul><ul><li>If certified copy of entry, obscure all other entries. </li></ul><ul><li>Safeguard your journal – it is a public record and subject to subpoena. </li></ul><ul><li>When service as Notary ends, release journal to Clerk of County on record with Secretary of State. </li></ul>
  94. 95. THE NOTARY SEAL <ul><li>REQUIRED ELEMENTS: </li></ul><ul><ul><li>The words “Notary Public, State of Texas” </li></ul></ul><ul><ul><li>Around a five-point star </li></ul></ul><ul><ul><li>The name of the Notary (must match commissioned name exactly.) </li></ul></ul><ul><ul><li>The expiration date of the commission </li></ul></ul><ul><ul><li>All elements must be contained within a serrated or milled edge border. </li></ul></ul>
  95. 96. AUTHORIZED SEAL TYPES <ul><li>Rubber stamp – rectangular or round </li></ul><ul><ul><li>We recommend rectangular. </li></ul></ul><ul><li>Embosser – If documents for foreign use </li></ul><ul><ul><li>Embosser requires inker </li></ul></ul><ul><li>All seals must be “photogenic”. </li></ul>
  96. 97. A SAMPLE SEAL (Please imagine a serrated border.)
  97. 98. SAFEGUARD YOUR SEAL <ul><li>Keep your seal and journal locked up at all times when not in use. </li></ul><ul><li>NOTIFY SOS IMMEDIATELY IF MISPLACED. </li></ul>
  98. 100. <ul><li>TEN COMMANDMENTS OF THE NOTARY PUBLIC </li></ul><ul><li>Violation of any would subject the notary to possible criminal and/or civil liability and revocation or suspension of commission </li></ul>
  99. 101. COMMANDMENT I <ul><li>THOU SHALT NOT perform acts which constitute the practice of law. </li></ul><ul><li>Violation would subject the notary to possible criminal and/or civil liability and revocation or suspension of commission </li></ul>
  100. 102. COMMANDMENT II <ul><li>THOU SHALT NOT prepare, draft, select or give advise concerning legal documents. </li></ul><ul><li>Violation would subject the notary to possible criminal and/or civil liability and revocation or suspension of commission </li></ul>
  101. 103. COMMANDMENT III <ul><li>THOU SHALT NOT translate the term “Notary Public” in Spanish as “Notario Publico” </li></ul><ul><li>Violation would subject the notary to possible criminal and/or civil liability and revocation or suspension of commission </li></ul>
  102. 104. COMMANDMENT IV <ul><li>THOU SHALT NOT overcharge for notarial services. </li></ul><ul><li>Violation would subject the notary to possible criminal and/or civil liability and revocation or suspension of commission </li></ul>
  103. 105. COMMANDMENT V <ul><li>THOU SHALT NOT notarize a document without the signer being present. </li></ul><ul><li>Violation would subject the notary to possible criminal and/or civil liability and revocation or suspension of commission </li></ul>
  104. 106. COMMANDMENT VI <ul><li>THOU SHALT NOT notarize your own signature. </li></ul><ul><li>Violation would subject the notary to possible criminal and/or civil liability and revocation or suspension of commission </li></ul>
  105. 107. COMMANDMENT VII <ul><li>THOU SHALT NOT issue ID cards. </li></ul><ul><li>Violation would subject the notary to possible criminal and/or civil liability and revocation or suspension of commission </li></ul>
  106. 108. COMMANDMENT VIII <ul><li>THOU SHALT NOT sign a document using any name other than the one under which you are commissioned. </li></ul><ul><li>Violation would subject the notary to possible criminal and/or civil liability and revocation or suspension of commission </li></ul>
  107. 109. COMMANDMENT IX <ul><li>THOU SHALT NOT fail to affix your signature and seal to any document you notarize. </li></ul><ul><li>Violation would subject the notary to possible criminal and/or civil liability and revocation or suspension of commission </li></ul>
  108. 110. COMMANDMENT X <ul><li>THOU SHALT NOT certify copies of documents recordable in the public record. </li></ul><ul><li>Violation would subject the notary to possible criminal and/or civil liability and revocation or suspension of commission </li></ul>
  109. 111. NOTARY BOND <ul><li>$10,000 surety bond required of all other than State employees. </li></ul><ul><li>Bond protects the PUBLIC from the NOTARY ONLY. </li></ul><ul><li>Bond guarantees injured party of ability to recover. Bond Co. gets $$ back </li></ul><ul><li>Bond does not limit Notary’s liability. </li></ul>
  110. 112. PROTECTION FOR THE NOTARY <ul><li>Not required by law but Highly recommended. </li></ul><ul><li>The typical business general liability policy excludes professional liability coverage. </li></ul><ul><li>Protects the Notary for legal liability from accidental error or omission </li></ul><ul><li>Provides ½ of limit for costs of defense </li></ul><ul><li>Illegal or intentional acts and bodily injury and property damage liability are excluded. </li></ul>
  111. 113. INDIVIDUAL INSURANCE <ul><li>Four year aggregate limit of </li></ul><ul><ul><li>$35,000.00 for damage awards </li></ul></ul><ul><ul><li>$17,500.00 for costs of defense </li></ul></ul><ul><ul><li>Premium $15 per year (or fraction of year) of term remaining </li></ul></ul>
  112. 114. BLANKET INSURANCE <ul><li>24 Hour coverage </li></ul><ul><li>No other business professional liability covers notaries while off-duty. </li></ul><ul><li>No Deductible </li></ul><ul><li>Insured's: Employer and all TX Notaries while employed </li></ul><ul><li>Promotes clear understanding of responsibilities once sued. </li></ul>
  113. 115. BLANKET INSURANCE <ul><li>Reduced administrative hassles & risks. </li></ul><ul><li>All employed by Named Insured are protected – 24/7. </li></ul><ul><li>Annual Premium: $66 + $22 for each TX notary over three employed at every inception. </li></ul><ul><li>Insured's: Employer and all TX Notaries while employed </li></ul>
  114. 116. MISCELLANEOUS <ul><li>Be sworn in immediately upon receipt of commission. </li></ul><ul><li>Four year term: no reminder from SOS </li></ul><ul><li>Statewide Jurisdiction </li></ul><ul><li>10 days to notify of change of address. </li></ul><ul><li>If leave Texas relinquish commission </li></ul><ul><li>WHEN return must reapply. </li></ul><ul><li>Change of name: Do at next renewal. </li></ul>
  115. 117. NEED HELP? <ul><li>The Paralegal at SOS, wants to hear from you. (512) 463-5705 prompts 1,1,8 </li></ul>
  116. 118. FREQUENTLY ASKED ??
  117. 119. FREQUENTLY ASKED ???
  118. 120. PRACTICE EXAM
  119. 121. 1) A notary may not notarize in any case where the act involves: <ul><li>A friend </li></ul><ul><li>A family member </li></ul><ul><li>The notary </li></ul><ul><li>An employer </li></ul>
  120. 122. 2) A notary may pre-sign acknowledgements only in the following case: <ul><li>If the notary is going out of town </li></ul><ul><li>If another notary is going to complete the form </li></ul><ul><li>A notary may never pre-sign forms </li></ul><ul><li>In an emergency </li></ul>
  121. 123. 3) Which of the following may become a Texas Notary. <ul><li>A minor under the age of 18 </li></ul><ul><li>A non-resident of the U.S.A. </li></ul><ul><li>A legal resident of Texas </li></ul><ul><li>An illegal alien </li></ul>
  122. 124. 4) The difference between an oath and affirmation is: <ul><li>An oath is a pledge to a Supreme Being and an affirmation is not. </li></ul><ul><li>An affirmation is a pledge to a Supreme Being and an oath is not. </li></ul><ul><li>An affirmation does not carry penalties for perjury and an oath does. </li></ul><ul><li>An oath puts the integrity of the person swearing on the line. </li></ul>
  123. 125. 5) A notary may notarize documents if: <ul><li>The document originates in Texas </li></ul><ul><li>If the signer lives in Texas </li></ul><ul><li>Anywhere in the state of Texas </li></ul><ul><li>Only in the county he/she is commissioned </li></ul>
  124. 126. 6) A notary may certify copies of; <ul><li>Business documents </li></ul><ul><li>Birth certificates </li></ul><ul><li>Real Estate deeds </li></ul><ul><li>All of the above </li></ul>
  125. 127. 7) A notary public may charge: <ul><li>Any fee they want </li></ul><ul><li>$6.00 for taking a acknowledgement </li></ul><ul><li>$10.00 for a jurat </li></ul><ul><li>$10.00 for witnessing or attesting a signature </li></ul>
  126. 128. 8) A notary journal must be kept by: <ul><li>The notary’s employer </li></ul><ul><li>The notary if they choose to </li></ul><ul><li>For acknowledgements only </li></ul><ul><li>All notaries </li></ul>
  127. 129. 9) The statement that a document was signed before a notary public is guaranteed in: <ul><li>An affirmation </li></ul><ul><li>An acknowledgement </li></ul><ul><li>An affidavit </li></ul><ul><li>A & C </li></ul>
  128. 130. 10) A person who makes a sworn statement before a notary is; <ul><li>An affiant </li></ul><ul><li>A respondent </li></ul><ul><li>A plaintiff </li></ul><ul><li>An acknowledger </li></ul>
  129. 131. 11) The following items must appear in the journal; <ul><li>The type of notarial act performed </li></ul><ul><li>The date the document was signed </li></ul><ul><li>The type of document notarized </li></ul><ul><li>All of the above </li></ul>
  130. 132. 12) A ‘short form’ Acknowledgement certificate contains all but the following; <ul><li>The venue </li></ul><ul><li>The type of ID used to identify the signer </li></ul><ul><li>The date of notarization </li></ul><ul><li>The notary’s seal </li></ul>
  131. 133. 13) Personal appearance means; <ul><li>A written note from an absentee signer </li></ul><ul><li>A phone call </li></ul><ul><li>In the notary’s physical presence </li></ul><ul><li>In an office down the hall </li></ul>
  132. 134. 14) Which of the following will help reduce the chance of a lawsuit; <ul><li>Purchasing a notary bond </li></ul><ul><li>Purchasing notary insurance </li></ul><ul><li>Exercising reasonable care </li></ul><ul><li>None of the above </li></ul>
  133. 135. 15) A credible witness who is used to verify the identity of the signer must: <ul><li>Be personally known to the notary </li></ul><ul><li>Must personally know the signer </li></ul><ul><li>Take an oath or affirmation as to the identity of the signer </li></ul><ul><li>All of the above </li></ul>
  134. 136. 16) You make an accidental $15,000 error; you are financially liable for; <ul><li>The entire amount </li></ul><ul><li>The amount in excess of your bond </li></ul><ul><li>Nothing, since the error was unintentional </li></ul><ul><li>The amount of your errors and omissions policy </li></ul>
  135. 137. 17) A notary may charge which of the following fees for notarizing three signatures in an acknowledgement. <ul><li>$6.00 </li></ul><ul><li>$7.00 </li></ul><ul><li>$8.00 </li></ul><ul><li>All of the above </li></ul>
  136. 138. 18) To qualify as a notary public you must: <ul><li>Be at lease 18 years old </li></ul><ul><li>Be a resident of the state of Texas </li></ul><ul><li>Not have been convicted of a felony </li></ul><ul><li>All of the above </li></ul>
  137. 139. 19) A notary must notify the Secretary of State when changing address: <ul><li>Within 10 days </li></ul><ul><li>Within 30 days </li></ul><ul><li>Within 45 days </li></ul><ul><li>Within 60 days </li></ul>
  138. 140. 20) Which of the following practices will help reduce the likelihood of fraud: <ul><li>Requiring personal appearance at the time of notarization. </li></ul><ul><li>Carefully checking the information on an ID card </li></ul><ul><li>Refusing to notarize a document with blank spaces. </li></ul><ul><li>All of the above. </li></ul>
  139. 141. 21) To apply for a notary commission, you must: <ul><li>Complete an application </li></ul><ul><li>Post a bond for $10,000.00 </li></ul><ul><li>Swear an oath of office within a “reasonable” time. </li></ul><ul><li>All of the above. </li></ul>
  140. 142. 22) An affirmation is equivalent to a: <ul><li>Deposition </li></ul><ul><li>Acknowledgement </li></ul><ul><li>Oath </li></ul><ul><li>Proof </li></ul>
  141. 143. 23) Which of the following would prevent a notary from notarizing; <ul><li>It is Sunday. </li></ul><ul><li>The document was known to be fraudulent. </li></ul><ul><li>The constituent was not a resident of Texas. </li></ul><ul><li>The notary could not read the document. </li></ul>
  142. 144. 24) The main purpose of an acknowledgment is: <ul><li>To positively identify the signer. </li></ul><ul><li>To compel the truthfulness of the constituent. </li></ul><ul><li>To attest to the accuracy of a copy of a document </li></ul><ul><li>To protest nonpayment of commercial paper. </li></ul>
  143. 145. 25) Which of the following is true: <ul><li>Errors and Omissions Insurance is required. </li></ul><ul><li>A notary bond is not required. </li></ul><ul><li>Errors and Omissions Insurance protects you from an honest mistake. </li></ul><ul><li>A notary bond protects you from an honest mistake. </li></ul>
  144. 146. ANSWER KEY 1. C 2. C 3. C 4. A 5. C 6. A 7. B 8. D 9. D 10. A 11. D 12. B 13. C 14. C 15. D 16. A 17. C 18. D 19. A 20. D 21. D 22. C 23. B 24. A 25. C
  145. 147. IMPORTANT CONTACT INFO
  146. 148. MORE IMPORTANT INFO

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