My name is Jean T Kiene. I have been a Notary for 30 years. I have also closed and notarized home mortgages for James B. Nutter & Company for 30 years. Therefore I am very familiar with all mortgage closing documents. I have also been supervisor of Customer Service and Escrow and have notarized all necessary closing documents. This all has occurred in Kansas City, Missouri as that is where the company office is. We did cover all 50 states for both forward and reverse mortgages. I have probably notarized 20,000 or the last 30 years maybe more with the new electronic system with the counties.