Notary Signing Agent Code of Conduct Questions and Answers Already Passed

Notary Signing Agent Code of Conduct Questions and Answers Already Passed GUIDING PRINCIPLE 1: QUALIFICATIONS The Notary Signing Agent will satisfactorily meet and maintain all qualifications necessary to perform signing services GUIDING PRINCIPLE 2: NOTARIZATION The Notary Signing Agent will follow all laws, rules and best practices that apply to the notarizing of closing documents. GUIDING PRINCIPLE 3: IMPARTIALITY The Notary Signing Agent will remain impartial to the transaction at all times. GUIDING PRINCIPLE 4: UNAUTHORIZED ADVICE OR SERVICES The Notary Signing Agent will not provide legal, personal, financial or other advice or services to the signer in connection with a signing assignment nor explain the terms of any closing document presented to the signer. GUIDING PRINCIPLE 5: ILLEGAL AND SUSPICIOUS ACTIVITY The Notary Signing Agent will not perform an illegal, deceptive or harmful act in connection with a signing assignment and will report any suspicious activity to the NSA's contracting company. GUIDING PRINCIPLE 6: PRIVACY AND CONFIDENTIALITY The Notary Signing Agent will respect the privacy of each signer and protect closing documents from unauthorized disclosure. GUIDING PRINCIPLE 7: FEES The Notary Signing Agent will follow all contractual obligations in charging and collecting fees for services rendered. GUIDING PRINCIPLE 8: ADVERTISING The Notary Signing Agent will not advertise signing services in a manner that is unprofessional, false, misleading or deceptive. GUIDING PRINCIPLE 9: PROFESSIONALISM The Notary Signing Agent will always act in a responsible manner towards contracting companies and parties to the transaction. GUIDING PRINCIPLE 10: STANDARDS The Notary Signing Agent will endeavor to maintain and raise standards of practice amongst practitioners in the signing services industry. 4.9. Contact Sources A Notary Signing Agent will not commence a signing appointment without having obtained the contact information of the lender's representative and closing agent associated with the transaction. 4.10. Disclosure of Contact Sources The Notary Signing Agent will provide the borrower with the contact information of the lender's representative and closing agent who may answer questions about the loan and explain the terms of the loan or any closing document presented to the borrower. 5.1. Absent Signer The Notary Signing Agent will not comply with a request to notarize the signature of a signer who does not personally appear before the NSA. 5.5. Approval of Power of Attorney Signing The Notary Signing Agent will not commence an appointment involving an attorney in fact signing for an absent principal unless specifically approved by the lender's representative or closing agent for the transaction. 5.6. Signer Awareness, Willingness and Disability The Notary Signing Agent will immediately contact the NSA's contracting company if the NSA has a reasonable belief that a signer is not aware of the loan or the significance of the transaction at the time closing documents are signed, possesses a physical disability requiring accommodation that the NSA has not been trained or authorized to perform, or the person is being overtly influenced or pressured into signing or not signing the documents. 6.5. Printing of Documents The Notary Signing Agent will personally download and print all closing documents and not assign this responsibility to any other person. 6.8. Request for Electronic Documents The Notary Signing Agent will not comply with a request from a signer to provide electronic closing documents, but will notify the NSA's contracting company of the individual's request for documents. 6.10. Access Instructions The Notary Signing Agent will not share with any person the logon credentials or access instructions to a website for the purpose of viewing, downloading or printing closing documents. 6.11. Unprotected Network The Notary Signing Agent will not use a public or unsecured computer network to retrieve electronic communications in connection with a signing assignment, to access, download or print closing documents, or to fax signed documents to a lender's representative, contracting company or closing agent. 6.13. Deletion of Electronic Documents The Notary Signing Agent will permanently erase any files containing electronic closing documents from the NSA's personal or a shared computer immediately upon conclusion of an assignment. 9.3. Delegation of Duties The Notary Signing Agent will not authorize another Notary Signing Agent to perform signing services on the NSA's behalf without the express approval of the contracting company providing the assignment. 9.6. Assignment Requirements The Notary Signing Agent will thoroughly review the requirements and expectations for a given assignment, noting in particular what stipulated documents and payments the NSA must receive from the signer, and what documents and copies the NSA must leave with that individual. 9.8. Review of Documents The Notary Signing Agent will review the closing documents prior to commencing the signing appointment to confirm the documents identify the correct signing party or parties and to determine which documents must be signed, dated, initialed and notarized. 9.9. Notification of Missing Documents The Notary Signing Agent will immediately contact the closing agent for the transaction prior to the appointment if the NSA discovers that the Note, Mortgage or Deed of Trust, and, as applicable, the Truth in Lending Disclosure, Closing Disclosure, or other closing statement is either incomplete or missing from the closing package. 9.10. Appointment Confirmation The Notary Signing Agent will confirm the appointment to sign closing documents with the signer, ensuring that all parties and witnesses signing documents, identification cards, stipulated documents and checks will be available upon the NSA's arrival, unless expressly prohibited by the contracting company. 9.12. Appropriate Attire The Notary Signing Agent will dress for an assignment in a manner that conforms to the business requirements of the contracting company providing the assignment.