Here are a few comments I received from the co-chair of the MISMO eMortgage Workgroup after he reviewed our draft workproduct.

Just a few items to consider as we move forward.

Mark Ladd

PRIA Technology Coordinator

262-498-0850

[1]mla...@pria.us

From: Lira, Abdias [mailto:Abdi...@wolterskluwer.com] Sent: Tuesday, April 29, 2008 10:28 AM To: Mark Ladd Cc: HGar...@mortgagebankers.org Subject: RE: LegalXML eNotary Update

Mark,

This looks better than the previous proposal. For SMART Doc(R), we could use what they are calling the "e-notary element" alternative.

Here are some comments:

1. The proposed structure is invisible to the end-users. There seems to be no provision for how to display the certificate on the body of the document or how to link the proposed e-notary structures with the appearance of the certificate and notary signature in the body of the document.

2. If I understand this correctly, it seems that they are making the assumption that the notary signature is always going to be embedded in the certificate structure. Some document formats, like PDF, have their own signature objects. There should be a way to link the certificate to a signature object in the document for the notary's signature. In sdv3 we are doing that in a indirect way by having the NOTARY_SIGNATURE_FIELD definition point to both the signature field as well as to the certificate field.

3. There is no provision on how to merge the notarial act data with the statutory language. I understand that the language does not stand by itself. It is either a template or it filled out. If it is filled out, then there should be a way to identify the locations of the various fields in it. We talked about this in one of our recent sdv3 meetings.

Thanks.

Abdias Lira Principal Software Architect Software Product Development Wolters Kluwer Financial Services

3468 Archgate Court

Alpharetta, GA 30004 770-442-0985 office 586.764.4710 mobile [2]abdi...@wolterskluwer.com [3]www.WoltersKluwerFS.com

From: Mark Ladd [mailto:mla...@pria.us] Sent: Friday, April 25, 2008 2:39 PM To: Lira, Abdias Subject: RE: LegalXML eNotary Update

Attached is the Use Case document the LegalXML eNotary Technical Committee is drafting. Also attached is a PDF overview of the proposed XML standard. These are provided for your review and feedback.

I will be interested to hear from you regarding how this might coordinate with the MISMO eMortgage Workgroup eNotary documents.

If you would like additional information on this, feel free to contact me.

Mark Ladd

PRIA Technology Coordinator

262-498-0850

[4]mla...@pria.us

From: Lira, Abdias [mailto:Abdi...@wolterskluwer.com] Sent: Friday, April 25, 2008 12:22 PM To: Mark Ladd Subject: RE: LegalXML eNotary Update

Mark,

I declare that I have read and accept the terms of the OASIS Feedback License as provided at:

[5]http://www.oasis-open.org/who/intellectualproperty.php#appendixa.

Thanks.

Abdias Lira Principal Software Architect Software Product Development Wolters Kluwer Financial Services

3468 Archgate Court

Alpharetta, GA 30004 770-442-0985 office 586.764.4710 mobile [6]abdi...@wolterskluwer.com [7]www.WoltersKluwerFS.com

From: Mark Ladd [mailto:mla...@pria.us] Sent: Thursday, April 24, 2008 1:42 PM To: Lira, Abdias; rsok...@magnoliatech.com Cc: HGar...@mortgagebankers.org Subject: LegalXML eNotary Update

Abdias & Rachael,

Awhile back Harry and I spoke with you two regarding the work the LegalXML eNotary Technical Committee is doing.

There have been some significant updates to that work that I think you two would benefit from being aware of. Since the work is not ready for publication yet you would need to accept the LegalXML Feedback License in order for me to share it with you under OASIS/LegalXML rules. (Or you could join LegalXML to have full access to this work.) The license can be found at: [8]http://www.oasis-open.org/who/intellectualproperty.php#appendixa.

In addition to an eNotary schema, LegalXML has also drafted a Use Case document that may be beneficial for MISMO to use as a reference.

If you agree to the terms of the Feedback License, I can send you the LegalXML documentation when I receive your assent to the license.

Let me know if you have any questions.

Mark Ladd

PRIA Technology Coordinator

262-498-0850

References