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hello and welcome to navigate electronic signatures transmission and storage an overview of Notice h20 20-0 for my name is Heather severs and Im a trainer and consultant for Nima k Associates and today were going to be going over this new notice that had published in regards to multifamily and our ability to have electronic signatures and electronic storage of data so the purpose of this is really to provide guidance to those of us in the multifamily universe about how to accept electronic signatures how to have electronic transmission of data and then also electronic storage of data we have honestly in the industry been waiting for this for many years HUD has been talking about publishing this as early as about 2005 and so were very excited to see the notice finally here and ready to go not that it leaves us without any questions but it does bring some clarity to some things that weve had questions about in the past and how to have said that they based it essentially off of thi