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The Jurat certifies that someone has sworn an oath or affirmed the truthfulness of a statement before the notary. When the jurat is chosen as the notarial act, it is common for the document to already contain the jurat verbiage. In this case, the notary administers an oath or affirmation to the signer.
The purpose of a jurat, or ?verification upon oath or affirmation? is for a signer to swear or affirm to the notary public that the contents of a document are truthful.
A jurat is used when the signer is swearing to the validity of the content of a document and requires the notary to administer and oath or affirmation to the signer. An acknowledgement is used to verify the identity of a signer and to confirm that they are the person who signed the document.
Unlike an acknowledgement, a Jurat is used when the individual signing the document has to take an oath that the stated content in the document is based on complete honesty. Jurat is used when it is desired to encourage the individual signing the documents to stay honest and truthful.
A jurat also requires that the signer signs in the presence of the notary. It is possible to glean this information from the jurat certificate its self. The wording states ?Subscribed and sworn to before me?? ? subscribed meaning ?signed? and sworn meaning that an oral oath or affirmation was given.
An affidavit is a written statement filed by an affiant as evidence in a court case. In order to be admissible, affidavits must be notarized by a notary public. The purpose of a jurat is for an affiant to swear to or affirm the truthfulness of the contents of an affidavit.
In plain language the jurat certificate says that Jack Signer was in the presence of Sam Notary. Jack swore (or affirmed) to the truthfulness of the document. (In other words, Jack took an oath/affirmation.)
The notary must see you sign it in front of him or her. Many banks have notary publics who will be able to notarize the affidavit for you or you can go to Legal Aid and ask for help from a notary.