Prepare for and Pass the New York Notary Exam —Day of Exam Study Aid— Page Intentionally left blank Table of Contents Purpose ........................................................................................................ 4 Using the Study Aid ........................................................................................ 4 Acknowledgment............................................................................................ 5 Acknowledgment or Proof Certificate required information .................................. 5 Administrator ................................................................................................ 5 Advertisement ............................................................................................... 5 Affiant .......................................................................................................... 5 Affiant .......................................................................................................... 5 Affidavit ........................................................................................................ 6 Affirmation .................................................................................................... 6 Apostile ........................................................................................................ 6 Appointing or Commission term ....................................................................... 6 Attest ........................................................................................................... 6 Attestation Clause .......................................................................................... 6 Authentication ............................................................................................... 7 Bill of Sale..................................................................................................... 7 Certificate of acknowledgment for a conveyance required information ................. 7 Certificate of Authentication ............................................................................ 7 Certificate of Official Character ........................................................................ 7 Certified Copy ................................................................................................ 7 Change of Name Notice .................................................................................. 8 Chattel ......................................................................................................... 8 Chattel Paper ................................................................................................ 8 Codicil .......................................................................................................... 8 Commissioning Body ...................................................................................... 8 Consideration ................................................................................................ 8 Contempt of Court ......................................................................................... 9 Contract ....................................................................................................... 9 Conveyance (Deed) ........................................................................................ 9 Conveyance of Real Property ........................................................................... 9 County Law ................................................................................................... 9 Day of Exam Study Aid 1 Deponent ...................................................................................................... 9 Deposition ................................................................................................... 10 Duress ........................................................................................................ 10 Escrow........................................................................................................ 10 Ex Parte ...................................................................................................... 10 Executing an instrument ............................................................................... 10 Executor ..................................................................................................... 10 Fees a Notary may charge............................................................................. 11 Fees a Notary must pay ................................................................................ 11 Felony ........................................................................................................ 11 Foreign language advertisement disclaimer .................................................... 11 Guardian ..................................................................................................... 11 Judgment .................................................................................................... 11 Jurat .......................................................................................................... 12 Jurisdiction .................................................................................................. 12 Laches ........................................................................................................ 12 Lease ......................................................................................................... 12 Lessee ........................................................................................................ 12 Lessor ........................................................................................................ 12 Litigation .................................................................................................... 13 Misdemeanor ............................................................................................... 13 Mortgage On Real Property ........................................................................... 13 New York Election law allows them to become Notaries .................................... 13 Non-resident ............................................................................................... 13 Non-resident who ceases to work in the State of New York............................... 13 Not eligible to become a Notary Public under New York’s executive Law ............. 14 Not eligible to the Notary Public office............................................................. 14 Notaries applying for reappointment ............................................................... 14 Notary Certificate ......................................................................................... 14 Notary Certificate required information ........................................................... 14 Notary Public ............................................................................................... 14 Oath ........................................................................................................... 15 Day of Exam Study Aid 2 Oaths and Affirmations ................................................................................. 15 Person ........................................................................................................ 15 Plaintiff ....................................................................................................... 15 Power of Attorney ........................................................................................ 15 Proof .......................................................................................................... 15 Protest ....................................................................................................... 16 Purposes of Acknowledgment ........................................................................ 16 Real Property Law ........................................................................................ 16 Reasons why commission requirements may be waived by the Secretary of State16 Requirements for Commissioning ................................................................... 16 Residency (Requirements) ............................................................................ 16 Resident ..................................................................................................... 17 Seal ........................................................................................................... 17 Signature of Notary Public ............................................................................. 17 Statute ....................................................................................................... 17 Statute of Frauds ......................................................................................... 17 Statute of Limitations ................................................................................... 17 Subordination Clause .................................................................................... 18 Sunday ....................................................................................................... 18 Swear ......................................................................................................... 18 Taking an Acknowledgment ........................................................................... 18 Taking an Acknowledgment ........................................................................... 18 The Constitution of the State of New York allows them to become Notaries ........ 18 The Secretary of State .................................................................................. 19 Types of Certificates ..................................................................................... 19 Uniform acknowledgement or proof certificate ................................................ 19 Venue......................................................................................................... 19 Will ............................................................................................................ 19 Within ten days............................................................................................ 19 Day of Exam Study Aid 3 Prepare for and Pass the New York Notary Exam Purpose The purpose of this study aid is to help you prepare to pass the New York Notary Public Exam. You may use this study aid as flash cards to warm up on the day of your exam. You may also keep it on your desk top as a quick study aid. Using the Study Aid The study Aid provides definitions in the form of flash cards, use them to review concepts during or after viewing the elearning course. To use the Study Aid: • Download the file • Save it on your computer • Print pages 5-19 • Cut or fold the cards where indicated by the scissors symbol The study aid may also serve as a quick reference guide of notarial terms. You are soon to become a Notary Public! and your friends at the National Notary Association want to congratulate you on your accomplishment. Before you take your exam study, review, relax, and most important at all… have fun!!! Good Luck!!! Day of Exam Study Aid 4 Prepare for and Pass the New York Notary Exam A formal declaration before a duly authorized officer by a person who has executed an instrument that such execution is his or her act and deed. Or, the declaration of a person described in and who has executed a written instrument, that he or she executed the same. Acknowledgment Acknowledgment or Proof Certificate required information • • • • • Notary’s signature. All the facts of the Notarial Act. Names of Each Witness. Substance of the testimony of each witness examined by the Notary. Subscribing witness’ place of residence. Administrator A person appointed by the court to manage the estate of a deceased person who left no will. Advertisement Refers to any material designed to give notice of or to promote or describe the services a Notary offers for profit, whether in print or electronic form, including business cards, brochures and notices. Affiant A person who makes and subscribes his or her signature to an affidavit. Affiant Individual that swears before a Notary as part of a notarial act. Day of Exam Study Aid 5 Prepare for and Pass the New York Notary Exam Affidavit An affidavit is a signed statement, duly sworn to, by the maker thereof, before a notary public or other officer authorized to administer oaths. Affirmation A solemn declaration made by persons who conscientiously decline taking an oath; it is equivalent to an oath and is just as binding. It is performed if a person has religious or conscientious scruples against taking an oath. Apostille Department of State authentication attached to a notarized and county certified document for possible international use. Appointing or Commission term Four Years. Attest To witness the execution of a written instrument, at the request of the person who makes it, and subscribe the same as a witness. Attestation Clause That clause wherein the witnesses certify that the instrument has been executed before them, and the manner of the execution of the same. Day of Exam Study Aid 6 Prepare for and Pass the New York Notary Exam Authentication A certificate subjoined by a county clerk to any certificate of acknowledgment or proof or oath signed by a notary. Bill of Sale A writing instrument given to pass title of personal property from vendor to vendee. • • Certificate of acknowledgment for a conveyance required information • • Venue and Date of the Notarial Act. Names of the undersigned who appeared before the Notary and are subscribed in the document. Substance or details of the act. All blank spaces and information required by law must be properly filled in. Certificate of Authentication A certificate issue by the County Clerk’s office that when attached to any certificate of proof, acknowledgment or jurat, authenticates the Notary’s signature on a document and attests to the Notary’s authority to sign at the time of the notarization. Certificate of Official Character A certificate that authenticates a Notary signature and it is issue by the Secretary of State or the county clerk. Certified Copy A copy of a public record signed and certified as a true copy by the public official having custody of the original. Day of Exam Study Aid 7 Prepare for and Pass the New York Notary Exam Change of Name Notice Notaries must submit this form along with a non-refundable fee of $10 in case he or she wants to officially change their name for any reason. Chattel Personal property, such as household goods or fixtures. Chattel Paper A writing or writings which evidence both an obligation to pay money and a security interest in a lease or specific goods. Codicil An instrument made subsequent to a will and modifying it in some respects. Commissioning Body Consideration Office of The Secretary of State. Anything of value given to induce entering into a contract; it may be money, personal services, or even love and affection. Day of Exam Study Aid 8 Prepare for and Pass the New York Notary Exam Contempt of Court Behavior disrespectful of the authority of a court which disrupts the execution of court orders. Contract An agreement between competent parties to do or not to do certain things for a legal consideration, whereby each party acquires a right to what the other possesses. Conveyance (Deed) Every instrument, in writing, except a will, by which any estate or interest in real property is created, transferred, assigned or surrendered. Conveyance of Real Property Must be in English or Have a translation to English attached to it and the translations must be either signed and acknowledge by the author or proved by a subscribing witness or someone designated for that purpose by the county judge. County Law Stipulates that each county clerk m ust designate at least one staff member to serve as a Notary Public Deponent One who makes oath to a written statement. Technically, a person subscribing a deposition but used interchangeably with “Affiant.” Day of Exam Study Aid 9 Prepare for and Pass the New York Notary Exam Deposition Testimony of a witness taken out of court or other hearing proceeding, under oath or by affirmation, before a notary public or other person, officer or commissioner before whom such testimony is authorized by law to be taken, which is intended to be used at the trial or hearing. Duress Unlawful constraint exercised upon a person whereby he is forced to do some act against his will. Escrow The placing of an instrument in the hands of a person as a depository who on the happening of a designated event, is to deliver the instrument to a third person. This agreement, once established, should be unalterable. Ex Parte A hearing or examination in the presence of, or on papers filed by, one party and in the absence of the other. Executing an instrument Executor Legal term that means signing a document. One named in a will to carry out the provisions of the will. Day of Exam Study Aid 10 Prepare for and Pass the New York Notary Exam $0.75, For a protest Fees a Notary may charge $0.10, For an additional Protests limit of 5 $2.00, For an Oath of affirmation, Jurat, Acknowledgment, Proof of Execution or Swearing of a witness. $60.00, Appointment as Notary Public Fees a Notary must pay $10.00, Change of Name or Address, Duplicate identification card or filling certificate of official character. $1.00, Issuance of Certificate of Official character $3.00, Authentication Certificate Felony A crime punishable by death or imprisonment in a state prison. Foreign language advertisement disclaimer “I am not an attorney licensed to practice law and may not give legal advice about immigration or any other legal matter or accept fees for legal advice.” Guardian A person in charge of a minor’s person or property. Judgment Decree of a court declaring that one individual is indebted to another and fixing the amount of such indebtedness. Day of Exam Study Aid 11 Prepare for and Pass the New York Notary Exam Jurat The section of an affidavit where the officer (Notary Public) certifies that it was sworn to before him or her. An Affidavit’s certificate. Jurisdiction Area co-extensive with the boundaries of the state. Laches The delay or negligence in asserting one’s legal rights. Lease A contract whereby, for a consideration, usually termed rent, one who is entitled to the possession of real property transfers such right to another for life, for a term of years or at will. Lessee Individual that rents a safety box. Lessor Entity who rents out safety boxes. Day of Exam Study Aid 12 Prepare for and Pass the New York Notary Exam Litigation The act of carrying on a lawsuit. Misdemeanor Any crime other than a felony. An instrument in writing, duly executed and delivered that creates a lien upon real estate as security for the payment of a specified debt, which is usually in the form of a bond. Mortgage On Real Property New York Election law allows them to become Notaries The Commissioner of Inspector of elections. elections and the Commissioned in the county in which one does business. Non-resident Non-resident who ceases to work in the State of New York Must vacate the office as a Notary Public. Day of Exam Study Aid 13 Prepare for and Pass the New York Notary Exam • Not eligible to become a Notary Public under New York’s executive Law Not eligible to the Notary Public office • • • • • Individuals removed from the Commissioner of Deeds office. Anyone convicted of a felony, unless pardoned Anyone convicted of violating various crimes and sections of the penal and judiciary law. Sheriffs Anyone convicted of violating the selective service act of 1917 Those convicted of violating the Service Act of 1940 Notaries applying for reappointment Receives an application from the Secretary of State’s office three months prior to commission’s expiration date. Notary Certificate Contains required wording that must be completed by a Notary. It contains the facts of a Notarial Act. • • Notary Certificate required information • Notary Public Notarial Act’s venue. Notary’s Name, Signature, county of commission and commission’s expiration date. The words “Notary Public, State of New York” A public officer who executes acknowledgments of deeds or writings in order to render them available as evidence of the facts therein contained; administers oaths and affirmation as to the truth of statements contained in papers or documents requiring the administration of an oath. Day of Exam Study Aid 14 Prepare for and Pass the New York Notary Exam Oath A verbal pledge given by the person taking it that his or her statements are made under an immediate sense of his or her responsibility to God, who will punish the affiant if the statements are false. Oaths and Affirmations Must be administered by law as required by law and in the form required by law. Slipshod administration of them are unacceptable to the Secretary of State. Person Under New York’s real property law, term that may refer to an individual, a partnership or a corporation when it appears in an uniform certificate of acknowledgment. Plaintiff Person who starts a suit or brings an action against another. Power of Attorney A written statement by an individual giving another person the power to act for him or her. Proof The formal declaration made by a subscribing witness to the execution of an instrument setting forth his or her place of residence, that he or she knew the person described in and who executed the instrument and that he or she saw such person execute such instrument. Day of Exam Study Aid 15 Prepare for and Pass the New York Notary Exam A formal statement in writing by a notary public, under seal, that a certain bill of exchange or promissory note was on a certain day presented for payment, or acceptance, and that such payment or acceptance was refused. Protest • • • Purposes of Acknowledgment • • Contains status on uniform notarial certificates to be used for the acknowledgment or proof of a conveyance in respect to real property within the state of New York. Real Property Law Reasons why commission requirements may be waived by the Secretary of State Requirements for Commissioning Residency (Requirements) Promotes security of land titles. Prevents frauds in conveyancing. Furnishes proof of the due execution of conveyances. Permits the document to be giving in evidence, without proof of its execution. Makes a document a recordable instrument. • Practice law in New York Court clerks who have taken a Civil Service exam Applying before or within six months of term’s expiration Qualified U.S. military personnel • Being of good character • To have a common school education • To know the duties of a Notary • Be a citizen of the United States or Legal Permanent resident. Resident of the State of New York Resident of any State with an office or place of business within the State of New York Out of State attorney admitted to practice law in the State of New York • • • • • • Day of Exam Study Aid 16 Prepare for and Pass the New York Notary Exam Resident Commissioned in the county of residence. Seal The laws of the State of New York do not require its use by Notaries public. However, if used, it should sufficiently identify the notary public and his or hers authority and jurisdiction. Signature of Notary Public Name under which a Notary was appointed and no other, used when signing Notary certificates. Statute A law established by an act of the Legislature. Statute of Frauds State law which provides that certain contracts must be in writing or partially complied with, in order to be enforceable at law. Statute of Limitations A law that limits the time within which a criminal prosecution or a civil action must be started. Day of Exam Study Aid 17 Prepare for and Pass the New York Notary Exam Subordination Clause A clause which permits the placing of a mortgage at a later date which takes priority over an existing mortgage. Sunday Day on which Notaries public may administer an oath or take an affidavit or acknowledgment. But may not take a deposition in a civil proceeding. Swear Term that includes every mode authorized by law for administering an oath. Taking an Acknowledgment The act of the person named in an instrument telling the notary public that he or she is the person named in the instrument and acknowledging that he or she executed such instrument. Or, the act of the notary public in obtaining satisfactory evidence of the identity of the person whose acknowledgment is taken. Taking an Acknowledgment The act of the notary public in obtaining satisfactory evidence of the identity of the person whose acknowledgment is taken. The Constitution of the State of New York allows them to become Notaries Members of the New York Legislature. Day of Exam Study Aid 18 Prepare for and Pass the New York Notary Exam The Secretary of State Types of Certificates Commissions Notaries Public. • • • • Acknowledgments Proof of Execution by a Subscribing Witness Jurat Uniform Uniform acknowledgement or proof certificate Must not be used when taking an acknowledgement proof for a document that does not relate to real property located in New York. Venue Geographical place where a notary public takes an affidavit or acknowledgment Will Disposition of one’s property, to take effect after death. Within ten days Allowed time for a lessor to notify a lessee that a box on his or her name has been open in the presence of a Notary. Day of Exam Study Aid 19 Prepare for and Pass the New York Notary Exam Day of Exam Study Aid 20