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hello everyone good afternoon and welcome to todays webinar hosted by the Federation of credit and financial professionals and our technology partner credit to be today we have Michael zwieback and Paul regali who are partners at Aaron Fox LLC and they will be presenting on electronic signatures in the business world just a few brief topics to get out of the way before we begin if you do have any questions during the presentation you can feel free to enter them via the question function in your side panel Ill take all those questions and gather them together and pose them to our presenters at the end of the webinar we also do have a soft copy of the slides available in the side panel under the attachments section so you can feel free to download those and follow along with the presentation the last item Id like to cover is that we have a brief survey that will come up as you exit the webinar it really only takes about 30 seconds to fill out but it gives us a lot of great insight in