## How do I use E-signatures?

The e-signature feature allows a customer to sign their name and initials on an electronic signature pad. The signature becomes a digitalized image that is applied to documents for a specific transaction. This feature is not available for multiple transactions.

### Capture Process

1. Complete the Party Information, Policy Selection, Loan Definition, and Calculations sections.

2. In the Document Preparation, complete the data entry for each document.

3. Print the autoselected documents including the Electronic Transaction Consent & Agreement. Review the documents with the signer(s).

n An Electronic Transaction Consent & Agreement will print for each party on the transaction.

4. Ask the signer(s) to place a mark (initials, checkmark, etc.) on the Electronic Transaction Consent & Agreement next to the documents they want to sign electronically.

n The financial organization is responsible for ensuring that each signer marks the appropriate documents on the Electronic Transaction Consent & Agreement prior to signing.

5. Ask the signer(s) to wet sign the Electronic Transaction Consent & Agreement.

6. In the Document Preparation area, choose Capture Signatures from E Sigs menu.

n Static documents will capture signatures based on the field order in each document.

n Dynamic documents will capture signatures for the borrower(s), co-signer(s), guarantor(s), collateral owner(s), financial organization representative, and other supported entities.

n Only Static documents are available for e-signatures in ComplianceOne deposit functionality.

7. Ask the signer(s) to sign the signature pad. The signature image is applied to the appropriate documents.

n After a signature is captured, it is applied to documents the party is required to sign. However, if a person is acting as multiple party types for the transaction, they are prompted to sign once for each party type they are associated with.

8. Print the documents and ask the signer(s) to "wet" sign the documents not supported by the e-signature feature.

n Refer to the support web site for a list of supported, unsupported, and/or partially supported documents for e-signatures: http://support.wolterskluwerfs.com/Documentation/ComplianceOne_documentation.asp

### Additional E-signature Information

n E-signatures are stored as images (.jpg files in lending and .bmp files in deposit). During a transaction, these files are temporarily stored in the temp file path directory specified for the user logged into ComplianceOne. The files are stored in the Transaction Database after the user places the transaction on hold; resets ComplianceOne; or exits ComplianceOne Lending/Deposit.

n After e-signatures have been captured in a transaction, the transaction becomes locked and cannot be edited. The only way to unlock a transaction is to clear the e-signatures from the transaction.

– To clear e-signatures from a transaction, Choose Erase all Signatures for this Loan or Erase all Signatures from this Account from the E Sigs menu in Document Preparation.

– Complete the HMDA area before capturing e-signatures because this area also becomes locked.

n E-signatures are cleared from a transaction when a user places a transaction on hold; resets ComplianceOne; or exits ComplianceOne Lending/Deposit. To view the signatures on documents for a recalled transaction, choose Capture Signatures from the E Sigs menu in Document Preparation.

– If the e-signature image file is not found for a party, the user will be prompted to collect the e-signature for the party.

n Signatures are not carried forward from the application to the loan.

n All e-signature events are written to the e-signature audit log. You can print the audit log for a specific transaction. In administration function of ComplianceOne, select E-Sig Audit Log in the left navigator of the Utilities tab. Enter the loan transaction or deposit account number and click Search. Select the transaction and click Print.

– The audit log will print to the default printer but cannot be previewed.