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hello in this short video Im going to go over the different options for sending Universal title a buyers earnest money deposit or EMD it is important that we have received the ratified contract so we can identify and know how to apply the funds when we receive them our goal is to make this a seamless and convenient as possible for our clients the first option for sending Universal title the EMD is using the mobile app called sakum the borrower or real estate agent can download the app on the Apple or Android app store or by visiting zakam.com once downloaded the borrower will complete the required Fields fill out a check take a photo and submit it through the app depositing it directly to Universal titles trust account for anyone who uses their banks app this is almost an identical process to depositing a check into your checking account another option for depositing the EMD with universal title is via wire transfer we will send the wire instructions to the borrower through our se