Spw-compliant exam - Knowing that you’re SPW compliant instills confidence in your abilities and commitment to handling loan signings accurately and securely, especially during real estate transactions. Getting compliant involves undergoing a background check, passing an exam, and purchasing errors and omissions (E&O) insurance (with a minimum of …

 
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Buy SPW-7 - Omega - SPHERICAL WASHER ROHS COMPLIANT: YES. Newark offers fast quotes, same day shipping, fast delivery, wide inventory, datasheets & technical support.You've studied hard, had a good night's sleep, eaten a good breakfast, and now you're ready for your big test. You might consider walking to the exam—20 minutes of activity, walkin...Notary Signing Agent Code of Conduct 4 includes a customer's first name or first initial and last name coupled with any of the following: Social Security n umber, driver's license number, state-issued ID number, credit card number, debit card number, or other financial account numbers. D.10. Notarial Evidence Form "Notarial Evidence Form" means a record of notarizations performed in a ...Pelvic exam is a important part of the exam for female patients and important towards making various diagnoses such as yeast vulvovaginitis, bacterial vaginosis, lichen sclerosis, cancers such as cervical cancer, anal/rectal cancer, sexually-transmitted infections (gonorrhea, chlamydia, trichomonas, syphilis, herpes and human papillomavirus) and many other diagnoses.Also provides guidance to the banking industry on identifying and controlling risks associated with money laundering and terrorist financing. The manual contains an overview of BSA/AML compliance program requirements, BSA/AML risks and risk management expectations, industry sound practices, and examination procedures.See the diagram below for another example of an accessible chair. In the diagram above the following items are discussed below. 1. When adjustable, head and back support provided throughout the entire range of the incline (M302.3.3). 2. Transfer surface 21 inches wide minimum and 15 inches deep minimum (M302.2.2). 3.Today's video is part 3 of an audio series for notaries to listen and learn. Sometimes you can't always watch a video but you can listen. So if you are drivi...The notary signing agent Texas article contains everything you need to get started, for getting commissioned as a notary public to buying your supplies.1)Manage appointment logistics2)Take the lead when you arrive3)Arrange the workspace4)Review the process with the borrowers5)Request the borrower's ID's6)Show the borrowers their copies7)Obtain the required stipulations8)Complete the journal entries9)Present the loan documents10)Do a quality check.On top of this, SPW compliance indicates professionalism, builds trust with clients, and contributes to smoother and more efficient closing processes. Getting compliant involves undergoing a background check, passing an exam, and purchasing Errors and Omissions insurance (minimum $25,000 in coverage). Step 4: Purchase Signing Agent SuppliesYour score is based on 100 of the 120 question exam. The methodology used to set the minimum passing score is the Angoff method, where expert psychometricians estimate the passing probability of each item on the exam. These ratings are averaged to determine the minimum passing score. If you pass the exam. If you did not pass the exam.Background Screenings. Notary Signing Agents play an important role in the mortgage loan signing process, serving as the final step before a borrower's loan is approved. Given the amount of direct access to private financial information, the mortgage industry has mandated annual background screenings for Notary Signing Agents and everyone ...Rad C-1818 Pneumatic Compliance Device Alignment Compensates Misalignment. (No reviews yet) Write a Review. SKU: BZ7270882. Condition: New. Availability: Usually Ships in 24 to 48 Hours. Shipping:Insurance. The SPW Insurance Standard specifies that a Notary Public who performs signing services will show proof that he or she maintains a $25,000 Notary errors and omissions (E&O) policy. Notary E&O insurance covers negligent acts, errors or omissions in an insured’s capacity as a duly commissioned Notary.The TCP section of the CPA Exam evaluates information at the first three skill levels of Bloom's Taxonomy: Remembering and Understanding (5-15%): Mainly concentrated in Areas I and II, containing nonroutine compliance issues encountered by newly-licensed CPAs. Application (55-65%) and Analysis (25-35%) : Examined across all Areas, containing ...Apr 10, 2024 · Step 3: Become SPW Compliant. Even though SPW compliance isn’t a requirement, it’s a clever strategy to pursue. Just like completing a loan signing course, it signals to prospective employers that you’re well-versed in crucial finance and real estate concepts, which can make you more appealing as a job applicant. Signing Agent Certification Process Be commissioned as a Notary Public in your state (required). Take a loan signing training course. Pass an exam and background screening that are SPW compliant. Buy your Signing Agent supplies. Purchase a minimum $25,000 E&O insurance policy. Start working as a Notary Signing Agent.1)Manage appointment logistics2)Take the lead when you arrive3)Arrange the workspace4)Review the process with the borrowers5)Request the borrower's ID's6)Show the borrowers their copies7)Obtain the required stipulations8)Complete the journal entries9)Present the loan documents10)Do a quality check.More generally, compliance with the Signing Professionals Workgroup (SPW) standards is generally regarded as a validation of your reliability and expertise in the mortgage sector. The process of achieving compliance includes undergoing a background check, successfully clearing an examination, and securing an errors and omissions …The development of SpW-compliant devices requires a specific set of test instruments, namely Electrical Ground Support Equipment (EGSE), to verify the correct functionality of SpW units under test.We're excited to announce Practice Assessments on Microsoft Learn, our newest free exam preparation resource that allows you to assess your knowledge and fill knowledge gaps so that you are better prepared for your certification exam. These assessments provide you with an overview of the style, wording, and difficulty of the questions you ...SEC 2022 exam priorities stress compliance 'must be empowered'. By Jaclyn Jaeger Thu, Mar 31, 2022 11:46 AM. The Securities and Exchange Commission (SEC) released its 2022 examination priorities Wednesday, providing investment firms, broker-dealers, and other registrants a breakdown of what issues the Division of Examinations will focus on ...The Code is not intended to be static and unchangeable. As the duties and responsibilities of signing agents evolve over time, the SPW will update the Code to address these and other developments. Download the Notary Signing Agent Code of Conduct (2016 Update) (PDF) Download the list of changes to the Notary Signing Agent Code of Conduct (2016 ...SPW - A New Standard For Notary Services. The Signing Professionals Workgroup (SPW) has finally done what all title companies and lenders wish would have been done years ago - make an industry standard. Available major loans are signed, there which simply too many variables which were forgotten through character assistants.Pass the North Carolina Notary Public Exam: Following completion of the course, you must take and pass the exam with a score of 80% or higher. ... Step 3: Become SPW Compliant. Even though this step is optional, it is generally recommended. Being SPW compliant guarantees that you follow industry standards and best practices, which …Candidates are required to pass the Regulatory Compliance Exam to earn the PTCB Regulatory Compliance Certificate. The Regulatory Compliance Exam is a computer-based exam with 70 multiple-choice questions. Be prepared to commit 1 hour and 30 minutes for the exam (5-minute tutorial, 1 hour and 20-minute exam, and 5-minute post-exam survey).Technical Certification Program. 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Arrangements can be made to provide support outside of the standard support windows as well by contacting [email protected] 10, 2024 · All in all, SPW compliance enhances your credibility and trust among clients and employers, lenders, and title companies. Getting compliant involves undergoing a background check, passing an exam, and purchasing errors and omissions (E&O) insurance (with a minimum of $25,000 in coverage). Step 4: Purchase Signing Agent Supplies Today about 673,000 people have taken the ISTQB® certification exams. The authors of Software Testing Foundations, 5th Edition, are among the creators of the Certified Tester Syllabus and are currently active in the ISTQB®. ... A Study Guide for the Certified Tester Exam- Foundation Level- ISTQB® Compliant. Andreas Spillner, Tilo Linz ...Those recorder signing agent Texas magazine contains everything you need the get started, from getting commissioned as a notary popular to buying your accessories.Become Signing Professionals Workgroup (SPW) compliant. Purchase your notary supplies. This Notary Signing Agent Texas article breaks down everything you need to know in easy-to-follow, succinct steps, and should help you commence your loan signing career with as little difficulty as possible.The USMLE Step 2 CS exam is a practical examination using Standardized Patients (SPs), who are individuals trained to simulate the signs and symptoms of disease and act as a real patient. The examination evaluates communication skills, as well as clinical skills in history taking, physical exam and writing up patient notes. The eight-hour Step 2 CS examination consists of 11 individually ...Doing a skin self-exam involves checking your skin for any unusual growths or skin changes. A skin self-exam helps find many skin problems early. Finding skin cancer early may give...Getting compliant involves undergoing a background check, passing an exam, and purchasing errors and omissions (E&O) insurance (minimum $25,000 in coverage). Step 4: Purchase Signing Agent Supplies After you’ve been commissioned as a notary public and have spent time in order to become qualified as a loan signing agent, …Exam Code: SY0-601 : SY0-701 : Launch Date: November 12, 2020 : November 7, 2023 : Exam Description: The CompTIA Security+ certification exam will verify the successful candidate has the knowledge and skills required to assess the security posture of an enterprise environment and recommend and implement appropriate security solutions; monitor and secure hybrid environments, including cloud ...NIC CLASS 2 CONTRIBUTIONS. 2022/23. Normal rate. £3.15 pw. Annual small profits threshold (SPT)(1) £6,725. Annual lower profits limit (LPL) £11,908. (1) The threshold for paying Class 2 NICs is equivalent to the LPL, but payment is treated as made for individuals whose profits are between the SPT and LPL.Moreover, SPW compliance is generally seen as a testament to your trustworthiness and competence in the mortgage industry. Getting compliant involves undergoing a background check, passing an exam, and purchasing E&O insurance (minimum $25,000 in coverage). Step 4: Purchase Signing Agent SuppliesThis public signing agent Nevada article contains everything you needs to get begun, upon becoming a notary publication to shop autochthonous supplies.30 of 30. Quiz yourself with questions and answers for Signing Notary Test #1, so you can be ready for test day. Explore quizzes and practice tests created by teachers and students or create one from your course material.The certification includes your industry-recognized background screening and certification exam, enabling Notaries to work for the major title services organizations. ... Signature Closers provides full- and self-service signing support for title companies and lenders via our vetted, compliant, eNotary-capable network of notary signing agents ...12 The SPW created the Certified Signing Specialist designation. A Certified Signing 13 Specialist is a Notary Public who has complied with all Standards of the SPW. 14 2 Rules and Procedures 15 2.1 Governing Law 16 2.1.1 The SPW shall be governed by these Rules and Procedures (RPs) approved by theThe FDIC has revised the Compliance Examination Manual (manual) to reflect recent supervisory guidance. The manual provides guidance to FDIC examination staff for evaluating financial institutions for compliance with the federal consumer protection laws and regulations. The manual, which is available on the FDIC's website, may help staff at ...All in all, SPW compliance is — generally speaking — seen as a testament to your trustworthiness and competence in the mortgage industry. Getting compliant involves undergoing a background check, passing an exam, and purchasing Errors and Omissions (E&O) insurance (minimum $25,000 in coverage). Step 4: Purchase Signing …Step 3: Become SPW Compliant. While it’s not required to get SPW compliant, it’s definitely a good idea. Just like taking a loan signing course, it shows potential employers that you’ve got a strong handle on all the finance and real estate details you need to be a successful NSA.The development of SpW-compliant devices requires a specific set of test instruments, namely Electrical Ground Support Equipment (EGSE), to verify the correct functionality of SpW units under test.For general information concerning the Contract Tax Compliance Examination Program, contact the Tax Administration Division, Audit Section at 512-463-3900, or toll-free 800-531-5441, ext. 3-3900. Texas Tax Code Section 111.0045 authorizes the Comptroller to contract with individuals or firms to perform tax compliance examinations of sales tax ...SPW Exam 1. Flashcards. Learn. Test. Match. Flashcards. Learn. Test. Match. Created by. michelle_piquet. Terms in this set (30) El sí de las niñas. Leandro Fernandez de Moratin. Canción del pirata. José de Espronceda. Defensa de las mujeres. Feijoo. Don Juan Tenorio. José Zorrilla. Los ojos verdes/Rimas.Career Opportunities at the NNA. The National Notary Association, headquartered in the Los Angeles suburb of Chatsworth, is the preeminent organization serving and supporting the 4.4 million Notaries of the United States. Meeting the professional needs of a national organization requires a workforce with diverse skills, ranging from customer ...Evaluate. Delegate. Communicate. Those are the three key actions that the best compliance pros take when they prepare for an exam. Like all best practice strategies, these three actions are elegant, intuitive, and effective. 1. The best compliance officers evaluate.Designing a bathroom that is accessible and user-friendly for individuals with disabilities is not only a legal requirement but also a gesture towards inclusivity and equality. The...3- While no courses or exams are required to become a Washington notary signing agent, consider taking a certification test to further prove to potential employers that you have mastered the content you need to know to serve as a reliable signing agent. ... While Washington does not legally require notaries to maintain E&O insurance, and E&O ...Quizlet has study tools to help you learn anything. Improve your grades and reach your goals with flashcards, practice tests and expert-written solutions today.Be commissioned as a Notary Public in your state (required). Take a loan signing training course. Pass an exam and background screening that are SPW compliant. Buy your Signing Agent supplies. Purchase a minimum $25,000 E&O insurance policy. Start working as a Notary Signing Agent. Promote your business online by joining Notary Signing …Inter in finding out how to will one clerk signing agent in Pennsylvania?We've got you covered. In arrange to wurde one notary signing sales, you will requirement toward: Be commissioned as a notary publicPlease select from the categories below to view all available products and services for the State of Mississippi. Become a Mississippi Notary. Mississippi Notary Renewal. Mississippi Notary Public Bond. Notary Insurance. Notary Stamps. Notary …Evaluate. Delegate. Communicate. Those are the three key actions that the best compliance pros take when they prepare for an exam. Like all best practice strategies, these three actions are elegant, intuitive, and effective. 1. The best compliance officers evaluate.S&R Notary Solutions. ·. January 2, 2021 ·. NSA EXAM. The SPW's Code of Conduct strictly prohibits NSA's from. A. Attempting to collect on a non-paying account from the contracting company. B. Receiving a fee for providing signings services in connection with the transaction. C. Collecting the signing fee from the signer in the event that the ...SEC 2022 exam priorities stress compliance 'must be empowered'. By Jaclyn Jaeger Thu, Mar 31, 2022 11:46 AM. The Securities and Exchange Commission (SEC) released its 2022 examination priorities Wednesday, providing investment firms, broker-dealers, and other registrants a breakdown of what issues the Division of Examinations will focus on ...This is a highly-debated subject for notary public loan signing agents. The reason this is such a hot topic is because, first and foremost, many state laws prohibit notary publics from giving advice or performing any duties that may be construed as the practice of law — particularly as it relates to legal paperwork such as a set of loan documents.The background screening is typically completed within five business days. The turn-around time for Alaska, California, District of Columbia, Oregon, Pennsylvania and Washington may be as long as 10-15 days due to special handling requirements. When available, your results will be sent to you via email.Signing Agent Registration. Thank you for joining the team. Whether mobile or online, Sunshine provides notary services to help you make money! First and Last Name (required) Email (required) Phone (required) Send >>. Thank you again for signing up with Sunshine Signing, the leader in notary services.Read all of the information on each page carefully. Application materials for the Tax Compliance Representative examination are accepted ONLY on the Internet. Do NOT submit a State Application Form or a hard copy version of these materials. The online testing process will instantly give results for the online examination.Important Dates: Notification date : April 25. application start date : April 25. application end date : May 05 05:00pm. Contact Information: TTD colleges help desk and contact details : SV Junior college ph.no.0877-2264595. SPW Womens junior college ph.no. 0877-2264600. eligibility for admission:Become Signing Professionals Workgroup (SPW) compliant; Purchase your notary supplies; This Notary Signing Agent Oklahoma article breaks down everything you need to know in easy-to-follow, ... (SPW) exam. Recommended Course. Have a look at the National Notary Association's packages, which come with everything you need to get started including ...definition of small-dollar loans. The examination approaches discussed in these examination procedures are broadly applicable to a range o f small-dollar lending products . 1. and should be utilized on a risk-focused basis, consistent with the FDIC's overall approach to consumer compliance examinations, to address how examiners shouldThe U.S. Department of Treasury (Treasury) recognizes that due to the receipt of a State and Local Fiscal Recovery Funds (SLFRF)/ARPA award, many recipients may expend $750,000 or more in federal awards during their fiscal year and newly be required to complete a Single Audit or a Program-Specific Audit. Section IV of the SLFRF/ARPA Compliance Supplement describes an alternative approach for ...The Americans with Disabilities Act mandates that handicap-accessible toilets for adult use must have seats located 17 to 19 inches above the floor. The bathroom stalls for these t...You must pass the Bank Compliance exam with a score of 70% or better. Please watch the full video and then take the exam. You will receive a Certificate of Completion after you pass the exam. Be sure to send the certificate to your Team Leader to receive your software activation. 2021_2022 EPS Tax Compliance. Play Video. Facebook.Dental Examination Chairs ... Agency Compliance: AMCA Air, UL/cUL 762: Wheel Dia. (In.): 13-1/2: Housing Finish: Gray Polyester Coating: ... SPW Industrial warrants this product to be free of defects in workmanship and material under normal use and conditions for period of one year from the date of original purchase.FDIC Consumer Compliance Examination Manual —May 2020 XII-4.1 PUBLIC DISCLOSURE . Month XX, 20XX . COMMUNITY REINVESTMENT ACT . PERFORMANCE EVALUATION. Bank Name Certificate Number: 00000 . Bank Address City, State Zip . Federal Deposit Insurance Corporation . Division of Depositor and Consumer Protection . Regional Office Name . Regional ...One, its already compliant with the upcoming Signing Professional Workgroup ("SPW"). Two, for the same $65.00, their background also includes the signing agent exam that most title companies look for. Fidelity is the largest title insurance chain and they are a member of the SPW. If you get another background check, be prepared to spend it ...This comprehensive AICPA Governmental Audit Quality Center (GAQC) practice aid provides frequently asked questions and illustrative reports to assist practitioners performing compliance attestation examination engagements on certain eligible recipients of the U.S. Department of Treasury Coronavirus State and Local Government Fiscal Recovery Funds (CSLFRF) program.Study with Quizlet and memorize flashcards containing terms like When testing a pt. for streptococcal pharyngitis , a phlebotomy tech. should implement which of the following types transmission-based precautions?, A phlebotomy tech. is preparing to perform a venipuncture for a pt. who has pneumonia. Besides gloves , which of the following pieces of personal protective equipment should the tech ...Step 3: Become SPW Compliant. Although SPW compliance isn't mandatory, it's a smart move. This is because — just like taking a loan signing course — it demonstrates to potential employers that you've got a solid grasp of all of the important finance and real estate concepts that you will need to know in order to operate effectively as an NSA.In response, the National Notary Association (NNA) and lending and title professionals formed a special committee, the Signing Professionals Workgroup (SPW), to set standards and best practices for notaries in charge of loan signings.To become compliant, you’ll have to pass a background check, an exam, and buy Errors and Omissions insurance with at least $25,000 coverage. Step 4: Purchase Signing Agent Supplies. Once you’ve earned your notary public commission and finished a certified loan signing course, you’ll be ready to acquire all your required notary supplies.The pass rate of Loan Signing System’s exam is approximately 30%. We make the test challenging on purpose to prepare you to build a successful signing agent business. The students who pass the test on the first try are those that set aside time in a quiet place and take notes during every module. If you don’t pass on the first attempt, the ...Signing Agent Certification Process Be commissioned as a Notary Public in your state (required). Take a loan signing training course. Pass an exam and background screening that are SPW compliant. Buy your Signing Agent supplies. Purchase a minimum $25,000 E&O insurance policy. Start working as a Notary Signing Agent.SPW is listed in the World's most authoritative dictionary of abbreviations and acronyms. SPW - What does SPW stand for? ... design teams can automatically check a wide range of test vectors and system scenarios for functional …Phone-919 875 [email protected] to our mailing list to receive updates on rule changes, additions, or deletions.Refer to 12 USC 3102 (b) and the "Federal Branches and Agencies Supervision" booklet of the Comptroller's Handbook for more information. The consumer compliance risk management principles in this booklet reflect the OCC's risk- based supervision approach and are consistent with the OCC's assessment of banks' risk management systems and the ...Learn how to become a notary public in Colorado with online training, exam, and application. Find out the requirements and benefits of remote notary service.The Code is not intended to be static and unchangeable. As the duties and responsibilities of signing agents evolve over time, the SPW will update the Code to address these and …Exam proctoring has become a critical tool in this endeavor, but it comes with its own set of compliance requirements like data privacy and protection, accessibility and inclusivity, and technology standards. Understanding these requirements is essential for educational institutions, certification bodies, and technology providers like Talview.NIC CLASS 2 CONTRIBUTIONS. 2022/23. Normal rate. £3.15 pw. Annual small profits threshold (SPT)(1) £6,725. Annual lower profits limit (LPL) £11,908. (1) The threshold for paying Class 2 NICs is equivalent to the LPL, but payment is treated as made for individuals whose profits are between the SPT and LPL.November 8, 2013 · Pasadena, CA ·. An overview of the new SPW background screening standards. #CertifiedSigningAgent. nationalnotary.org. New Mortgage Signing Standards: The Annual Background Screenings. The Certified Signing Specialist Standards announced last week by the Signing Professionals Workgroup have generated considerable discussion ...

Finding a notary open now doesn't have to be stressful. With the right resources and knowledge, including services like IPride Notary, you can easily access immediate notary services that fit your urgent needs. Stay prepared, understand the process, and you'll handle your notary requirements swiftly and efficiently. 4 1.. Hobbytown usa kennewick washington

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CATEGORY EXAM SIGN-UP INSTRUCTIONS: STEP 1 - Complete 40-hours of "On-the-Job Training" (OJT) for each category if it is available to you. Have the licensed Commercial Pesticide Applicator who trained you fill out and sign the "Training Verification Form VPE-002".On top of this, SPW compliance indicates professionalism, builds trust with clients, and contributes to smoother and more efficient closing processes. Getting compliant involves undergoing a background check, passing an exam, and purchasing Errors and Omissions insurance (minimum $25,000 in coverage). Step 4: Purchase Signing Agent SuppliesAnnouncements. U.S. Customs and Border Protection has contracted with the Human Research Organization (HumRRO) to help modernize the Customs Broker License Examination (CBLE). HumRRO is seeking individuals who have taken the CBLE within the last five years, regardless of whether they are licensed customs brokers, to participate in information ...Instructions Below you will find the Asheford-PACC Compliance Exam to be taken before your USPAP testing. This test has been designed as a "bridge" exam between current PACC Appraisal Standards, and examples of terminology and expressions that one may find within the Uniform Standards of Professional Appraisal Practices (USPAP) course of study. The aim of this exam is to introduce students and ...Compatible Brand For HP: External Interfaces Infiniband: MPN 879491-001: Supported Protocols InfiniBand - IBTA 1.3 and 1.2.1 compliant: Server Compatibility HPE ProLiant Gen9 and Gen10 servers: Brand HPE: Operating Systems Support Windows Server, Linux, VMware ESXi: Form Factor Low-profile PCIe 3.0 x16: Ideal Use Cases High-performance computing, data centers, cloud: Type NETWORK ADAPTERRitter 244 Medical Exam Table. Rating Required. Name Required. Email Required. Review Subject Required. Comments Required. SKU: BZ1035992 UPC: ... SPW Industrial 26081 Merit Circle Suite 115 Laguna Hills, Ca 92653 [email protected]. Call us at 1-844-201-9609. Navigate. Business Email Policy;The two-hour test consists of 120 multiple-choice questions, and only 100 questions are scored. If you take the exam at an HCCA or SCCE event, the test is a paper and pencil test. If you take the exam at a testing center or remote, the exam is computer-delivered. The CHC exam is divided into seven content areas.On top of this, SPW compliance indicates professionalism, builds trust with clients, and contributes to smoother and more efficient closing processes. Getting compliant involves undergoing a background check, passing an exam, and purchasing Errors and Omissions insurance (minimum $25,000 in coverage). Step 4: Purchase …The Code is not intended to be static and unchangeable. As the duties and responsibilities of signing agents evolve over time, the SPW will update the Code to address these and other developments. Download the Notary Signing Agent Code of Conduct (2016 Update) (PDF) Download the list of changes to the Notary Signing Agent Code of Conduct (2016 ...The TCP section of the CPA Exam evaluates information at the first three skill levels of Bloom's Taxonomy: Remembering and Understanding (5-15%): Mainly concentrated in Areas I and II, containing nonroutine compliance issues encountered by newly-licensed CPAs. Application (55-65%) and Analysis (25-35%) : Examined across all Areas, containing ...Dec 26, 2020 · [OPEN BOOK]https://bit.ly/3hl8TkY[START YOUR LLC]https://bit.ly/3ql1IfpIf you want to know how to pass the NNA Notary Signing Agent Certification Exam, then ... The background screening is typically completed within five business days. The turn-around time for Alaska, California, District of Columbia, Oregon, Pennsylvania and Washington may be as long as 10-15 days due to special handling requirements. When available, your results will be sent to you via email..

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