The BIG e Presentation by Katrina Barnes on Digital Ink.

1. Katrina Barnes, Broker, GRI, ABR, GREEN, TAHS, SMP, TRLP
HAR/TAR/REBAC Instructor/Coach
katrina@katrinabarnes.com
FB: katrinabarnes.TexasREALTOR
Twitter: REALTORKATRINA1
Direct: 281-658-5022
www.har.com/katrinabarnes
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2. Brief Overview of zipLogix digital Ink™
 Q & A overview of zipLogix digital Ink™
Briefly look at how a document can be edited
and sent for signatures.
Briefly look at NAR’s legal overview of
electronic signatures.

4. What is a digital signature?
Digital signatures modernize the clients
experience and offer’s them a truly paperless
electronic process that can be trusted. Digital
Ink will definitely save you and your client’s
time on printing, faxing, mailing, and meeting
to collect signatures.

5. What is a digital signature?
 Houston Association of REALTORS® is proud
to present to its member’s, zipLogix® Digital
Ink™ electronic signatures! zipLogix® Digital
Ink™ is a digital signature solution for signing
transactional documents within zipForm®6
, through a “signed, sealed and delivered”
online process.
 Digital Signatures are safe and easy to use.

6. What is a digital signature?
• Digital Ink is a green feature that will help
lower your cost, reduce time, save gas, and
reduce writing errors on your forms.

7. What is a digital signature?
• No longer will you need print, fax, mail
or better yet…

8. What is a digital signature?
• Drive ALL around the city to collect
signatures.

9. • Digital signatures permanently secure the
identity of signers and the document’s
content. This is a great way to improve your
efficiency within your business.

10. • How much does • zipLogix® Digital Ink™ is
zipLogix® Digital Ink™ available to REALTOR®
cost? members at no
additional cost. This
includes unlimited
transactions and
signers.

11. • If I am a DocuSign® • In zipForm®6, go to
User, how do I switch your Tools tab and
from DocuSign® to select Options. Select
Digital Ink™? the e Sign tab and
check the box indicating
Digital Ink™ as your e
Sign provider.

12. • Can I edit the subject and body in my email
message to let my clients know that they need
to sign?
• In zipform®6 you can type in the message
body, any additional information or instruction
that you want your client to know before your
click on Continue to zipLogix®Digital Ink but you
zipform®6 will not allow you to edit the subject.
Example of subject sent: Your documents are
ready to review: zipForm - 1234 Happy
St., Happy City, Texas. 77777.

13. • Note: When you are in zipLogix®Digital Ink
you can click on email and send a separate
email to your buyers or sellers

14. • Can I delete a form • Yes, however you will
when in have to delete the last
ziplogix®Digital Ink? form added in
sequential order.

15. • How do I send documents for digital signature to
my clients?
• Click the e Sign icon from the File menu toolbar in
zipForm®6.
• Select Sign; select documents to be signed and
the order, then the signers and their order.
• Click Continue to zipLogix® Digital Ink to edit the
documents.
• Click Activate to begin the signing process.

16. Note: It is crucial to always check
your documents before sending out
for e-signatures. Digital Ink™ is pre-
mapped to zipForm®6
documents, however there are fields
that may not need to be signed or
initialed.

17. • Can you send to two No, the first signer must
signers at the same complete the signing
time? process before the
second recipient can
sign.

18. • How does Identity Verification work?
• Identity Verification is an optional additional
security measure to verify a signer’s identity.
• The zipForm®6 user will be charged $5 per signer
per transaction and will be prompted to enter
credit card information before sending signature.
• Identity Verification asks the signer a series of
questions to verify their identity.

19. • How can I access the documents that my
client signed with digital signatures?
• You can review the signed documents from
your zipForm®6 e Sign icon. Select Check
Status to access the transaction Dashboard
then click View to access the completed
documents.

20. • How will a client e-sign a transaction?
•The client will receive an email with a customized
link in it.
•The link will direct them to a secure website where
they’re required to create a PIN (password) so that
they can access the transaction again if necessary and
protect their privacy.
•Clients can access each document needing
signatures/initials and navigate to each necessary
field using the Tab key. It’s as easy as clicking on the
fields to sign/initial the document.

21. • Can I stipulate who can • Yes, in the Select Recipients
sign the documents first? box, select the order of the
party’s notification by using
the up and down arrow
buttons.
• Disable any recipient that
you are not sending the
transaction to.
• You can use Enable/Disable
All to select more than one
recipient.

22. • Can I upload non- • Yes, use the Continue to
zipForm®6 documents to zipLogix® Digital Ink
send to my clients to sign button to upload non-
using zipLogix® Digital zipForm®6 PDFs.
Ink™? • Note that locked PDFs
are not available to
upload at this time.
• That would be a
previously digitally signed
document for example.
You can only upload PDF’s
at this time.

23. • Can you use zipLogix® Digital Ink™ on a
mobile device?
• You may access your zipForm®6 Professional
account on various mobile devices with the
zipForm®6 Mobile edition.
• However zipLogix® Digital Ink ™ is currently
not available for use to send a document to
zipLogix® Digital Ink to create e-signatures.

24. • Can you sign a document on a mobile device?
• The signer and the REALTOR® can sign the
document on most mobile devices and
tablets.

25. • Can I use zipLogix® Digital Ink™ on my MAC?
• Yes, you will need to have Adobe Reader
installed and need to use the Safari Internet
browser.

26. • What should I do if I sent a document to get
signed and it has not been access yet?
• REALTORS® sending documents using digital
signatures should educate and send their
clients instructions on how to sign the real
estate documents.

27. • What is the difference between zipLogix® Digital Ink™
and DocuSign®?
• DocuSign® signed documents have layered signatures
in the blank document. Digital Ink™ documents embed
the signature into the document, providing a more
secure final document.
• zipLogix® Digital Ink™ is offered to HAR members at no
additional cost.
• DocuSign® gives HAR members a 20% discount
through NAR. Both are incorporated with zipForm®6.

28. • Remember to use the
service that works best
with your business
practices.

29. • Why aren’t some • Some of the predefined
signature fields signing fields are
populated for my buyer considered "dual role".
or seller? • These fields can be Buyer
or Seller depending on
which one is checked
within the form.
• There are two ways to
ensure that your buyer or
seller sign in all the
essential places.

30. • Cont’d
• In the parties labeled "Seller 1 or Buyer 1" and
"Seller/Buyer 1" enter the contact information in
addition to the corresponding Buyer 1 field (vice versa
if it’s the Seller).
• Note: contact information cannot be the same for
both fields, so is suggested to use a middle initial for
one of the fields when enter contact information.
• Go to the Continue to zipLogix® Digital Ink™ section
and create a custom signature field for each one that is
missing.

31. • What does "Suspend", "Activate" and "Cancel"
mean?
•
If you click the button Continue to zipLogix® Digital
Ink™, your transaction will be automatically suspended
until you’ve completed the editing process.
• None of parties get an invitation to sign your document
until you click the Activate button.
• If at any time you want to stop the next person from
receiving the invitation, you can click Suspend.
• Clicking Cancel will not allow any person to sign and
stop the reminder emails to all parties.

32. • Is there an easy way for the signer to see the
next unsigned signature/initial field?
• Yes, they can use the tab button on their
keyboard to automatically be sent to the next
unsigned field. Currently, it does not take
them to related fields (text, checkbox, date).

33. • How can I add a Check Box or Text Field?
• To add a related field such as the text or a check
box, under Parties, select the appropriate spot on the
form. Drag and drop it there.
• Please Note: You cannot add a related Check Box or
Text field to initial fields; it must be related to a
signature field.
• A sub-menu in the Form Library will open (note: the
text and check box field will no longer be gray)
containing Text and Check Box.
• Click to drag the related fields to the form on the left in
the box.

34. • Cont’d:
• Click and drag the appropriate field that you
wish to use onto the form on the right.

35. Login

36. Open up the
transaction you want to
digitally sign.

39. Select the form you
want signed

47. Highlight
the
appropriate
signer by
clicking on
the name

48. To add a
related field
such as the
date or check
box, under
parties , select
the
appropriate
spot on the
form. When
Drag & one
Drop an drags, drop &
initial or click, a sub-
signature menu in the
field to the Form Library
appropriate will open
spot on containing Text
your form. & Check box
that can be
clicked, dragge
d and dropped
on.

49. Allows you to view your forms
with signature tags. Located in
the top right hand corner of the
screen.. Alerts 1st signer

51. Congrats! You did it…

52. • To retrieve your copy of
the signed documents
• Login to zipForm®6 and
click on your transaction
• Click e Sign inside of the
transaction
• Select the Check Status
option
• Click on the latest
submission date
• Click View Status
• Click View to Save/Print the
document

54. Electronic Signatures Brief-Legal
Overview
• ESIGN was passed into law on June 30, 2000
• ESIGN stands for Electronic Signatures in
Global National Commerce
• Every real estate transaction involves the
parties to the transaction putting their
signature on at least one document and more
likely several documents.

55. HUD Approves Electronic Signatures!
HUD to Allow Electronic Signatures on Some
Documents for FHA Mortgage Insurance
• On April 8, 2010, FHA Commissioner Dave Stevens
announced that, effective immediately, FHA will begin
accepting electronic signatures on "third party
documents originated and signed outside of the
lender's control, such as real estate contracts."
• This change, which NAR has long advocated, is the first
in a series of changes that eventually will permit more
real estate transaction documents to contain electronic
signatures, thus improving the efficiency of FHA
mortgage transactions.

56. Electronic Signatures Brief-Legal
Overview
• Part 1. The E-Signature Laws
• While the acceptance of other forms of
signatures, facsimile copies for example, occurred over
a period of time through judicial interpretation of the
requirement for a written signature, the acceptance of
electronic signatures came about through the adoption
of statutory provisions. With the adoption of the
Uniform Electronic Transactions Act (―UETA‖) in most
states and the passage of Electronic Signatures in
Global and National Commerce Act (―ESIGN‖) at the
federal level in 2000, the legal landscape for use of
electronic records and electronic signatures in real
estate was firmly settled.

57. Electronic Signatures Brief-Legal
Overview
• Both laws accomplish this legal equivalency by
establishing a procedural approach to
meeting, writing,‖ and signature‖
requirements, stating:
• 1. A document or signature cannot be denied
legal effect or enforceability solely because it is in
electronic form.
• 2. a contract cannot be denied legal effect or
enforceability solely because an electronic record
was used in its formation.

58. Electronic Signatures Brief-Legal
Overview
• 3. if a law requires that a record be in
writing, then an electronic record satisfies the
law; and
• 4. if a law requires a signature, then an
electronic signature satisfies the law.

59. Electronic Signatures Brief-Legal
Overview
• Signature Associated with the Record
• In a paper world the signature on a document
becomes a part of the document and can not
be separated from it. The same requirement
exists for electronic signatures but again must
be accomplished in a different way.

60. Electronic Signatures Brief-Legal
Overview
• The electronic signature must be attached to or logically associated
with the record being signed.
• System requirements to capture the electronic signature must:
• Keep record of the process by which the signature was created
• Make a textual or graphic statement that is added to the signed
record showing that it was executed with an electronic signatures .
• Must have a attribution process- some method of verifying that the
purported signer did in fact create the electronic signature. This
will confirm the identity of a party (-authentication).

61. Real Estate Transactions – compliance
with substantive law
• Real estate contracts can be executed
electronically in all 50 states between buyers
and sellers of any state. According to the UETA
drafting committee.

62. Selecting a Provider for E-Signatures
• The e-signature process should allow you to
 1) designate specific places in the document to be signed, and to 2)
require signers to specifically acknowledge (sign) parts of the
document as needed.
 The e-signature process should accommodate at least one reliable
form of attribution and should be captured and retained by the
system.
 The electronic signature solution must a) provide a means of
capturing consumer consent in the prescribed manner, b) allow for
withdrawal of consent, c) preserve evidence that the consumer did
give consent in a manner that reasonably demonstrated the
consumer’s technical ability to engage in business electronically—
and did not withdraw it—at the time of the transaction.

63. Electronic Signatures Brief-Legal
Overview
 The e-signature process should make it obvious to a new
user that the act of ―signing‖ is taking place. This may be
accomplished with a combination of written instructions
(with an affirmative acknowledgement) and a user
experience that visually simulates the familiar signing
process, such as placement of a visible and distinctive
graphic that resembles a handwritten signature.
 The e-signature vendor should demonstrate its ability to
preserve evidence of the transaction by providing
assurance that its storage system includes ongoing training
of personnel, a documented data security plan or
policy, audited physical controls, working disaster recovery
plan, proven and tested network, hardware and software
controls.

64. Electronic Signatures Brief-Legal
Overview
The e-signature process should include a
robust record of events that, in combination
with high data security standards, will
withstand scrutiny in court.
The e-signature process should be based on a
historically reliable system, such that evidence
of the transactional history may be gleaned
from the operational reliability of the system
used to manage the transaction.

65. • So you tell me….
• Is there still anything else
that is holding you back
from using zipLogix digital
Ink™?
• Please contact Training &
Member Probability Dept at
HAR for information on
additional training.
• http://www.ziplogix.com/tr
aining/
• Technical Support:
http://support.zipform.com
/emailsupport.asp?skin=

66. • Thank You!
• You have been a great audience!