new jersey association of realtors

New Jersey Association of Realtors® On Line Forms Document Preparation System – User Reference Manual Introduction - New Jersey Association of Realtors® Document Preparation System...........................................................................1 First Time Log In and registration...........................................................................................................................................................1 How to use the system ...............................................................................................................................................................................2 SEQUENCE OF OPERATION: ..............................................................................................................................................................2 HOW TO EMAIL A PRINT FILE:..........................................................................................................................................................4 E-MAIL while on-line..........................................................................................................................................................................4 E-MAIL the document off-line ...........................................................................................................................................................5 I. SAVE THE PRINT FILE TO YOUR PC:......................................................................................................................................5 First method: ................................................................................................................................................................................5 Second method: ..........................................................................................................................................................................5 IIa. SEND A PRINT FILE THROUGH E-MAIL..............................................................................................................................5 IIb. ALTERNATE METHOD OF SENDING THE PRINT FILE THROUGH E-MAIL ................................................................. 5 Function Keys ...........................................................................................................................................................................................6 Saving and retrieving broker information using function keys & :..............................................................................6 Saving and retrieving clauses using function keys & :.................................................................................................6 Forms Capabilities ....................................................................................................................................................................................7 MORTGAGE AMOUNT CALCULATIONS ON THE REAL ESTATE CONTRACT ..........................................................................7 Acrobat™ Reader – Notes ........................................................................................................................................................................7 System Usage Hints – Frequently Asked Question..................................................................................................................................7 Limitations when Saving Data Files ........................................................................................................................................................8 Limitations when saving data files on the web server: .....................................................................................................................8 Limitation when saving data files on a client PC: .............................................................................................................................8 System Requirements ................................................................................................................................................................................8 Parameter Settings - Introduction ............................................................................................................................................................8 Settings:.....................................................................................................................................................................................................9 Support ......................................................................................................................................................................................................9 APPENDIX A - FORMS INCLUDED IN THIS SYSTEM...................................................................................................................10 Features of the NJAR Document Preparation System ..........................................................................................................................10 Introduction - New Jersey Association of Realtors® Document Preparation System The purpose of this user manual is to explain how to use the web based system. This system requires the Microsoft Internet Explorer web browser which is usually included with PC purchases. If your PC does not have this package you can download it from www.microsoft.com as described at the end of this document. First Time Log In and registration Before starting this sequence, the first time you use the system, please read and follow the instructions in the Settings section of this document. The Settings section explains the necessary steps to enable you to save data files either on your PC or on the mbaiforms.net web server. If you do not follow those instructions you may only be able to save data files on the mbaiforms.net web server. The First Time you use the Document Preparation system you are required to change your User Name to whatever User name you would like to use. We recommend choosing a user name that is between 7 & 20 characters and includes both numbers and letters. Special characters are not allowed. 1. The login screen asks for your User Name and NRDS Number. The First Time you log in, use the letters “NJAR” (without the quotes) as your User Name. Enter your NRDS number. Click on LOGIN. 2. The next screen requires that you replace “NJAR” as your User Name. You can choose any User Name you like. 3. Enter your User Name in the field designated for that purpose and click “Update User Name” . That will register your User Name in the NJAR On-Line Document Preparation System database. 4. After you have completed the update, you will see a confirmation screen and then you will be returned to the login screen, www.njarforms.com. 5. Login using the new User Name and NRDS number. Keep in mind that this is a one time registration. After this you will always use your User Name for log in. How to use the system SEQUENCE OF OPERATION: The flow of events in this system is the following; 1. login 2. On the WELCOME (Document Categories) Screen select the type of transaction you are dealing with, e.g. Residential Contract of Sale, Lease, etc. Click the title of the form set that you want to use, for example, Contract of Sale, Lease, etc. 3. Hit the “Click to Continue” button. 4. This brings you to the main screen, shown below as Figure 1. FIGURE 1 1. The checkboxes and buttons on the left of the screen select documents and control the display of data entry screens. 1.1. The check boxes select the documents used for a specific transaction. You can select any combination of documents shown in the form set for a transaction. If you check a box the selected document will be included in the printed documents. If you omit a check box, that document will not be included in the printed documents. 2. The buttons to the right of the checkboxes control the data entry screen associated with the selected document. 2.1. Buttons with white background and blue borders (changing to red when selected) control data entry screens. The General Information Screen is selected by default. 2.2. After you click on a button the data entry screen is shown in the right column. Keep in mind that this is a data entry screen and not a document. Documents are generated using the “Build Document” button located in the action button group at the top of the screen. DO NOT PRINT THE DATA ENTRY SCREENS FOR USE AS A CONTRACT. THEY ARE NOT DOCUMENTS. 2.3. Some documents don't require any data entry, (for example “Addendum A Disclosure Lead Paint Hazards”), and these documents do not have associated data entry screens. These documents use information entered on the General Information Data Entry Screen, for example, the Buyer Name, Seller Name and Property address. 2.4. Some data entry screens are too long to fit on the screen. Use the scroll bar at the right side of the screen to move the data entry screen up and down. Use the tab keys or the cursor to move from one field to the next. 2.5. As you complete each data entry screen use either of the Save Data buttons in the Action Button Group at the top of the screen to save your data file. This is recommended based on the experience of many users. For example, you may be called by a customer to another activity while you are entering data for a specific transaction. Saving the Data File will enable you to return to the system, open the data file and complete the transaction without re-entering data. Data files can be saved either to the mbaiforms.net server (“Save to Server”) or to a folder on you PC (“Save Local Data”). 2.5.1.Save to Server – This is the button we recommend using. Data files saved on the server is accessible from any PC anywhere as long as you can log in to the system. Saving data files on the server enables you to start a contract at home and finish it elsewhere, such as at your office, your clients house, etc. 2.5.2.“Save Local Data” is a function that is carried over from previous versions of the system. This function uses an ActiveX control to enable you to save your data file in a folder on your PC. See the Settings section of this document for instructions on configuring your PC to make the “Save Local Data” button work, if it does not work for you after you first register. If this function does not work after you have changed the settings your system is not compatible with the ActiveX control. In that case, you can only use the “Save to Server” button. 2.6. When you have completed data entry for all screens, if you have not already saved the data file, save it now. 3. Click the "Build Document" button to generate the Adobe (.pdf) Print File. The Print File consists of the completed, printable documents, filled in with all the data entered in the Data Entry Screens. The Print File is opened in a separate Window so that you can close it and easily make changes in the Data Entry Screens. 3.1. The Print File is a locked file and cannot be changed directly. To make a change, close the Print File window and return to the Data Entry Screens. 3.2. The Print File name is a random number followed by the suffix .pdf, for example, “ 94921566.pdf “ 3.3. View the print file on the screen as a “print preview” to be sure that the data is entered correctly and completely. If the Print File has errors or omissions close the Print File window and return to the Data Entry Screens to make corrections. Then, click the “Build Document” button again and generate the corrected Print File. 4. When you are finished, click the "Close All Windows" button or use the Windows close button (the 'X') at the top right of your screen to close each of the open windows. 5. HELP information is shown by clicking the “click here for help” label above the data entry screen buttons. The help screen opens in a separate window. HOW TO EMAIL A PRINT FILE: E-MAIL while on-line Microsoft Outlook, Outlook Express and some other e-mail systems are integrated with Internet Explorer. If you use one of these packages for your e-mail you can e-mail the PRINT FILE to others while you are on line. This section explains how to do that. If you are using an e-mail package that is not integrated with Internet Explorer skip this section and go to the paragraph titled “E-MAIL off-line”. 1. Click the PRINT FILE number. That will launch Adobe Reader and display the PRINT FILE. 2. In the Internet Explorer menu line click the command “Tools” > Mail and News > Send Page 3. This will launch your email package and show a mail form. In the form, you will see that the PRINT FILE number is shown as an attachment. 4. Fill in the subject line and message and hit the SEND button. 4.1. That will place the message in the OUTBOX of your email package. It will not actually send the message. 5. Launch your email package, e.g. Outlook or Outlook Express, and when you send all messages, this message will actually be sent. E-MAIL the document off-line E-mailing a PRINT FILE off line requires two steps. 1. First, save the PRINT FILE to your PC. 2. Second, send the PRINT FILE as an attachment to an E-mail message. I. SAVE THE PRINT FILE TO YOUR PC: There are two alternative methods for saving a PRINT FILE (document) to your PC. First method: Click the PRINT FILE number to view the document package. In the Adobe® window that opens you will see the document package. In that window there is a small button bar. One of the icons on that button bar is titled “save a copy”. This icon looks like a floppy disk in some versions of the Adobe Reader™, but in any case, the title will appear when the cursor hovers over the icon. Click this button. You will see a Save As dialog box. 1.1. At the top of the “Save As” dialog box there is a box labeled “Save in”. Select the folder in which to save this PRINT FILE. (for example, Desktop, My Documents, My Contracts, Temp, the floppy drive, or any other folder you choose). Remember the folder. You will need the folder and file name to attach the file to an email message. 1.2. At the bottom of the “Save As” dialog box there is a box labeled “File name”. The PRINT FILE number appears here. The box labeled “Save as type” is shown directly below the “File name” box. This box displays the words Adobe Acrobat Document. 2. You can change the PRINT FILE number to an easier to remember name by deleting the file number and replacing it with whatever name you wish, e.g., the buyer name, the property address, etc. 3. Click the Save button in the dialog box. Second method: Right Click (use the right mouse button), directly on the PRINT FILE number. 1. In the menu that appears, click “Save Target As…” . This displays a “File Download” dialog box and a “Save As” dialog box. 1.1. At the top of the “Save As” dialog box there is a box labeled “Save in”. Select the folder in which to save this PRINT FILE. (for example, Desktop, My Documents, My Contracts, Temp, the floppy drive, or any other folder you choose). Remember the folder. You will need the folder and file name to attach the file to an email message. 1.2. At the bottom of the “Save As” dialog box there is a box labeled “File name”. The PRINT FILE number appears here. The box labeled “Save as type” is shown directly below the “File name” box. This box displays the words Adobe Acrobat Document. 2. You can change the PRINT FILE number to an easier to remember name by deleting the file number and replacing it with whatever name you wish, e.g., the buyer name, the property address, etc. 3. Click the Save button in the dialog box. IIa. SEND A PRINT FILE THROUGH E-MAIL : After writing a message to an email recipient, ATTACH the PRINT FILE to the message. That will send the PRINT FILE to the recipient. As long as the recipient has an Adobe or Acrobat Reader, he/she will be able to read and print the documents. The method of attaching a file to an e-mail message depends on the e-mail you use. Please read the instructions on attaching a file for your e-mail system in the documentation from your e-mail vendor. Popular e-mail systems are Microsoft Outlook, Outlook Express, AOL, Eudora, etc. IIb. ALTERNATE METHOD OF SENDING THE PRINT FILE THROUGH E-MAIL: Either 1) Double Click on the PRINT FILE number. – this will launch Adobe Reader and display the PRINT FILE OR; 2) Launch Adobe Reader and click FILE > OPEN and open the PRINT FILE. In the menu line click FILE > E-MAIL. 1.1.1.This will launch your e-mail software and display a mail form. 1.1.2.Fill in the mail form and click Send. That will put the email message in the outbox of your email package. Launch your email package and when you send all messages, this message will actually be sent. 1) NOTE: Whether you choose to download the file or display it in an Internet Window, Internet Explorer actually downloads it to your system. The difference is that a File Download Dialog box is only displayed when the Save Target As… choice is made. This dialog box is not displayed for any other option. a) Download times can be several minutes depending on the number of documents used in a transaction and the speed of your communications link to the Internet. A contract package that includes 30 or more pages may require more than a minute to download using a modem connection. On the other hand, if you are just downloading a single document, say just a contract with no addenda, the download time will be a few seconds. b) If you choose to display the Document in an Internet Window, the download prior to displaying the document will present a blank screen. Since there is no information about how the download is going, you may conclude that nothing is happening and that can lead to unnecessary false starts and frustration. c) Selecting “Save Target As…” causes a File Download dialog box to be presented by Internet Explorer rather than a blank screen. This download dialog box displays the estimated download time, and shows the progress of the download and the time remaining. This information lets you know what is happening, and eliminates unnecessary false starts and frustration. Function Keys This system uses four function keys for saving and retrieving information. Function Keys are the keys on your keyboard (not on the screen), labeled , , …. The four function keys are , , and . Saving and retrieving broker information using function keys & : Saving Broker Data : You can save as many combinations of Broker data as you want. This can be used for information about you, about other brokerages or agents that you deal with, etc. 1. On the General Information Data Entry Screen, fill as many of the fields for Broker 1 as you like. 2. Leave the cursor in the Broker Company Name field. 3. click the function key . 3.1. This will display a separate window, titled “Save Broker Data”, which requests that you provide a “short, friendly name” for this collection of broker data fields. Enter the name. 3.2. Click “Save” 3.3. click “Close Window” Retrieving Broker Data : 1. on the General Information Data Entry Screen, put the cursor in the Broker Company Name field. 2. click the function key 3. This will display a separate window, titled “Load Broker Data”, which shows all the collections of data that you have saved. Each collection has a “Select” button. 4. Click the “Select” button for the collection you want 5. This will fill the broker fields with the saved data. Saving and retrieving clauses using function keys & : Saving clauses : This function is used to save data entered in any field. It is most frequently used for saving contract clauses that you will likely use multiple times. You can save as many clauses as you want. The following description uses paragraph 35 of the contract as the example for explanation purposes. However, this function applies to any field in any data entry screen. 1. Paragraph 35 of the “Real Estate Contract” is a space for “Additional Contract Provisions”. Typically you will enter a condition to the sale in to this space. 2. After entering the clause, hit the key. This will display a separate window, titled “save field data” which requests that you provide a “short friendly name” for this clause. 3. Select either “save for use only in this field” or “save for use in any field”. We recommend using the “save for use in any field” as this allows the clause to be used anywhere you may want to use it. 4. enter the name 5. click “Save” 6. click “Close Window” Retrieving clauses : This function is used to retrieve clauses that have previously been saved. 1. Put the cursor in the field where the retrieved information will go, e.g. paragraph 35 of the contract 2. hit the function key . 3. this will display a separate window, titled “Load Clause and Field Data”. 4. The window shows all the clauses you have saved. 5. click the button for the clause you want to retrieve 6. at the bottom of the window, click either 6.1. “Copy selected data” – replaces everything in the field with the selected clause 6.2. “Append selected data” – places the selected clause at the bottom of any data already in the field. Forms Capabilities MORTGAGE AMOUNT CALCULATIONS ON THE REAL ESTATE CONTRACT When filling in the fields related to mortgage amounts on the Contract Data Entry Screen, the system automatically calculates two values; 1. the Mortgage Amount shown in the right column of Paragraph 3B. 2. the Balance of Purchase Price (the amount brought to settlement), shown in the right column of the, Paragraph 3D. Data entered in the earnest money deposit and the additional deposit fields is subtracted from the Purchase Price and the resulting value is used in the calculation of either the Mortgage Amount or the Balance of Purchase Price. In other words, for the purpose of this calculation; Purchase Price - earnest money deposit - additional deposit Purchase Price (for calculation of Mortgage Amount and Balance of Purchase Price) The purpose of the calculation is to provide an accurate set of numbers for the contract. You can enter the Purchase price, and the Mortgage Amount. The system will then place the difference between these two numbers in the Balance of Purchase Price field. Alternatively, you can enter the Purchase Price and the Balance of Purchase Price. The system will then place the difference between these two numbers in the Mortgage Amount field. You can override the calculated amounts in either the Mortgage Amount or Balance of Purchase Price fields. When you type a value in either of these fields, the other field will automatically be changed to add up to the Purchase Price amount. Acrobat™ Reader – Notes There are several features of the Acrobat™ Reader that are particularly useful. These are; d) Find all instances of a word in the contract package. For example, say you want to locate the word “water” in any document in the package. Click on the Edit command in the menu line of Acrobat™ Reader and select Find in the pull down menu (or use the [Ctrl, F] shortcut). Type in the word “water” and the Acrobat™ Reader will find the first instance and display the document at that point. To find the next instance of this word click on Edit and Find Again (or use the [Ctrl, G] shortcut), and Acrobat™ Reader will display the next instance of the selected word. e) Go to a specific screen of the completed set of documents. Click on Document, and select Go to Screen (or use the [Ctrl, N] shortcut) and select the screen you wish to go to . f) Use the scroll bar to the right of the document to scroll through all the screens of the document to get to the one you want. g) To print a single document Click on File and select Print in the pull down menu. If the screen you want to print is the screen you are looking at, select Print Current screen. Alternatively, enter the page numbers or range of page numbers that you want to print and print them. System Usage Hints – Frequently Asked Question The “Frequently Asked Questions” manual is available for download from the Welcome Screen. It is shown at the bottom of the list of document packages. Click the document name and it will open in Adobe Reader. Limitations when Saving Data Files Limitations when saving data files on the web server: 1. Data files saved on the server are only accessible to you. There is no need to select a folder in which to save the data file. This makes opening a file for re-use simpler, since you do not need to remember in which folder you had saved it. 2. Data files saved on the server are accessible from any PC. You can start a contract at home, save the data file, go to the office and then open the same data file and complete the contract at the office. 3. Data files saved on the server are retained for 90 – 120 days measured from the last date the file is updated. After this period the file is deleted. 4. Data files saved on the server omit all data related to Social Security numbers. Limitation when saving data files on a client PC: 1. Data files saved on your PC are only accessible from your PC 2. Data files saved on a local PC are saved in a folder of your choosing. You can keep all contract data files and PRINT FILES together in this single folder. 3. Data files saved on the users PC remain on the PC until the user deletes them. 4. Data files saved on the users PC include Social Security numbers. System Requirements You must have the following packages installed on your PC to use this system. 1. Internet Explorer 5 or later. At the time of this writing the current version is IE 6.0. 2. Adobe Acrobat™ Reader version 4.0 or later – current version at time of this writing is 7.0. To see the version of Internet Explorer (IE) that you have do the following; While you are using Internet Explorer click on the HELP command in the menu line at the top of the IE window. In the “pull down” menu, click on “About…”. The screen that appears includes the version number. If it is not version 5.0 or later, please download and install the current version. Download time will vary based on the speed of your internet connection, so make sure that you have the necessary time set aside to do this. Upgrades from older versions of IE are available at no cost directly from Microsoft. http://windowsupdate.microsoft.com If you do not already have a copy of the Acrobat™ Reader, it is available at no cost from www.adobe.com. Please click on the Adobe button to download and install this package. The download time varies depending on the speed of your connection, so make sure that you have the necessary time set aside to do this. (Probably less than 15 minutes). If you need to set parameters for this system, see the section titled Parameter Settings at the end of this document. Parameter Settings - Introduction The parameter settings for Internet Explorer must be set as shown below. If you have never changed any settings in Internet Explorer these are most likely the settings you already have. Each time you access the system, it downloads either a Java Script element or an “Active X” control into your PC. The purpose of this bit of software is to allow you to save data files on your PC and open data files from your PC. For most people, the Java Script is all that is needed. If you find that the Save Local Data button works on your PC you can and should ignore the remainder of this section. If the Save Local Data button does not work on your PC you will need to change your settings as shown below. Because we are storing data on your system, we mark the Active X control as “unsafe for scripting”. That is the term that Microsoft has applied to code that is downloaded from a server to a client PC that stores data locally. To allow this code to operate a parameter needs to be set in the Internet Explorer browser Tools/Internet Options area. Settings: This section describes the parameter settings needed to run our package, and how to set them. 1. 2. 3. 4. On the Windows Desktop, Click the START button. Click on Settings Click on Control Panel Click on Internet Options (in the control panel display) Alternative 1; Right click the Internet Explorer icon on the Desktop. Alternative 2: While you are in Internet Explorer, click the TOOLS command on the menu line. In the dropdown menu, select Internet Options. Using any of the above methods, you will be shown the Internet Options dialog box. 1. Click on the Security tab 2. make sure the Internet Globe is selected. 3. Click the Custom Level button at the bottom of that tab. 4. In the Security Settings window that appears, find the parameter titled “Initialize and Script ActiveX Controls not marked as safe” and select the “Prompt” radio button. Do not change any other parameters in the Security Settings window. 5. Click OK at the bottom of the Security Settings window. 6. The system will ask “do you really want to change this setting”. Answer, Yes. 7. Click the Content Tab at the top of the Internet Options dialog box 8. Click the AutoComplete button in the Personal Settings area of the Content Tab 9. There are four checkboxes shown in the dialog box. Make sure the “Forms” box is checked. This checkbox sets Internet Explorer to remember your data entries in each field, and then create dropdown lists for you to select from. 10. Click OK to exit the Internet Properties box. Once you have completed all this, the package should run without a problem. If it does not, or if you need help with this configuration, please call technical support at 703-349-6405. Support If you have questions about anything in this manual or questions on the use of the product, please call 703-349-6405. Before you call for support: • Did you check this manual for help? • Gather the following information and call the Technical Support phone number listed above. • Your name, company name, NRDS number, User Name and phone number. • Version number of Internet Explorer, (version 5.0 or later) • Version number of Adobe® Reader™, Adobe® Acrobat™ Reader or Adobe® Acrobat™ • Information about your computer including operating system, e.g., Windows 95, 98, NT, ME, 2000, XP, etc. • What you were doing when the problem happened Sometimes it will be necessary to get a copy of your data file in order to fix a problem. If so, please attach a copy of the data file to your email message, or, if the file is available on the server, send the name of the data file to tech support so that we can access it directly. Visit our web site at www.mbaiforms.com for helpful tips on this product, to order products, or to find out about more products and services available from MB Associates, Inc. APPENDIX A - FORMS INCLUDED IN THIS SYSTEM List of Form numbers and names(*) Document name 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 Notice to Buyer and Seller – included as first page of contract New Jersey Association of Realtors Standard Form Of Real Estate Contract Addendum A – Disclosure Of Information And Acknowledgment About Lead-Based Paint and/or Lead-Based Paint Hazards – (Sale) Addendum L – Disclosure Of Information And Acknowledgment About Lead-Based Paint and/or Lead-Based Paint Hazards – (Lease) New Jersey Association of Realtors Standard Form Of Exclusive Buyer Agency Agreement New Jersey Association of Realtors Standard Form Of Seller’s Property Condition Disclosure Statement New Jersey Association of Realtors Standard Form Of Informed Consent to Dual Agency (Buyer) New Jersey Association of Realtors Standard Form Of Informed Consent to Dual Agency (Seller) New Jersey Association of Realtors Standard Form Of Residential Lease New Jersey Association of Realtors Standard form of Lease Application New Jersey Association of Realtors Standard form of Information Release for Lease/Rental New Jersey Association of Realtors Standard Form Of Rider to Contract of Sale for New Construction New Jersey Association of Realtors Standard Form of Exclusive Tenant Agency Agreement New Jersey Association of Realtors Standard Form of Informed Consent to Dual Agency – Tenant New Jersey Association of Realtors Standard Form of Broker-Salesperson Independent Contractor Agreement Schedule A – Salesperson’s commission schedule while affiliated with broker Schedule B – Salesperson’s commission schedule after termination of affiliation with broker Non-binding proposed term sheet for commercial or industrial property; vacant lots for two or more dwelling units; co-ops; and residential real estate exceeding four dwelling units Prospect and New Inquiry form HUD-92564-CN, For Your Protection get a Home Inspection EPA brochure, Protect Your Family from Lead in Your Home (available as an Acrobat™ PDF document for download) – English version EPA brochure, Protect Your Family from Lead in Your Home (available as an Acrobat™ PDF document for download) – Spanish version Rev date 2/04 6/01 6/01 4/01 4/01 1/01 1/01 3/04 2/02 1/01 2/04 10/03 10/03 2/04 1/01 1/01 1/01 NJAR Document number NJAR118 Addendum A Addendum L NJAR121 NJAR140 NJAR122A NJAR122B NJAR125 NJAR123 NJAR124 NJAR119 NJAR126 NJAR 127A NJAR 134 NJAR 134 Schedule A NJAR 134 Schedule B NJAR 145 19 20 21 22 1/01 NJAR 116 HUD-92564-CN Features of the NJAR Document Preparation System 1. This system can be used from any PC that has Internet Explorer version 5 or later. Therefore, you are not tied to a single PC. All you need is your email address and password to use the system. 2. All sales and agency forms issued by the NJAR are included in this system. This includes all the contracts and addenda that are endorsed by NJAR. The system also includes some HUD/EPA forms related to lead warnings. 3. Data is only entered once and then used wherever it is needed. For example, Buyer Name, Seller Name, Property address, etc. are entered one time. The system uses that data on all documents that require it. 4. Numeric to verbal conversions are automatic. When entering a numeric amount that must also be written verbally, the system automatically converts the number to a verbal statement and completes the verbal field. Only the numeric amount is shown on the data entry screens and both the numeric and verbal fields are printed. 5. Arithmetic calculations are automatically performed by the system. 6. There are never any updates required to be installed by users of this system. The updated documents, and updated versions of this system are automatically downloaded to the user when selecting a contract package. In this system, when updated document is issued by NJAR, that document is placed on the server. Documents that are declared obsolete or discontinued by the board will no longer be available. Therefore, the user does not need to take the time to do updates and is assured that the documents in use are currently approved documents. 7. Data files are saved either on the users PC using standard Windows conventions or on the mbaiforms.net web server. Data files saved on the users PC can be saved to a hard drive, floppy, writable CD, network server, or anywhere your system can store files. a. Data files saved on the server are retained for 90 days and then deleted. Data files saved on the users PC remain on the PC until the user deletes them. b. Data files saved on the server omit all data related to Social Security numbers. Data files saved on the users PC include Social Security numbers. 8. PRINT FILES are generated as Portable Data Format (pdf) files. These files are viewed and printed with Adobe Acrobat™, available at no cost from Adobe Corporation or any .pdf viewer. PRINT FILES can be saved under any name and in any folder you choose. 9. PRINT FILES can be emailed to others using standard email packages. Email of these documents is particularly useful, since they can be viewed and printed by anyone that has a copy of Adobe® (Acrobat™) Reader or equivalent .pdf software packages. 10. Documents can be printed to any printer supported by Windows. 11. Blank documents can be printed. 12. Complete contract packages or individual forms can be selected and printed. 13. The Windows auto complete feature retains a record of data entered in each field. When entering data in most fields, Windows will usually offer a set of previously entered values for you to select from and thereby reduce typing time. Additionally, four function keys have been defined to enable a user to reliably save data values entered in any field. A user can Open existing data files to use in new transactions. This feature can be used to create “template” files in which default values can be pre-set. Template files might include Company name, address, telephone, MLSID, etc., Associate name, address, telephone, email, MLSID, etc.