Consent Page

When Sign or Start is clicked on the eSignature Management page, the Consent page is displayed. On the Consent page, review and print the Consumer Disclosure, select the signing method (e.g., type, signature pad, or draw), create the signature and initials, add a photograph of the signer, and accept the terms to do business electronically. Once the Accept button is clicked, the documents that need to be reviewed and signed are displayed. The Accept button cannot be clicked until the Consumer Disclosure checkbox is selected. To stop the transaction at any time, click the Decline button. The features on the Consent page vary depending on the settings configured by the administrator. The following image is an example.

Consumer Disclosure Review the Consumer Disclosure. Until the Consumer Disclosure checkbox is selected, the rest of the Consent page is disabled except the Decline button. Click the Print button to print the Consumer Disclosure. The Consumer Disclosure area may be displayed differently depending on the settings configured by the administrator. Refer to the Reviewing the Consumer Disclosure for details.
Signing Method Select a signing method: Type, Signature Pad, or Draw. The available signing methods depend on the settings configured by the administrator and the document set. The default signing method is preselected. For PC-touch capable devices, do not use the in-person signature pad signing method. For ViewSonic, Wacom, and Topaz GemView displays, use the in-person draw signing method. In this example, the type signing method is selected.

Using the type method, signers create signatures by typing in their names if their names are not already prepopulated on the Consent page. The procedure in this section is for financial institution (FI) representatives who are guiding signers through the signing process. While signing and reviewing documents, a party can also modify textbox, checkbox, and dropdown fields using the signature pad (without messages), type, or draw methods. In-person signing with the type method is available for PCs and iPads.

eSign provides a simple, guided process to sign and view documents in person using a signature pad. Depending the settings configured by the administrator and your environment, signatures pads can either display messages on the signature pad screen or not. In-person signing with the signature pad is available for traditional PCs and touch PCs.

  • Signature Pad with Messages: Signature pads display messages on the screen to improve usability and to support self-guided signing. Financial institution (FI) representatives start the signing process while the signers use a signature pad to create a signature, accept terms, apply the signature throughout the document set, and confirm completion of the signing process.
  • Signature Pad without Messages: When signature pads do not display messages, financial institution (FI) representatives guide signers through the signing process. When prompted, signers use a signature pad to create a signature. Unlike the "signature pad with messages" process, the signature pads in this procedure do not display messages. The signature pads are only used to create signatures and initials. While signing and reviewing documents, a party can also modify textbox, checkbox, and dropdown fields using the signature pad (without messages), type, or draw methods. If using a signature pad with Google Chrome or Mozilla Firefox web browsers, refer to the Topaz Systems SigPlus website for details about installing the latest SigPlus software and drivers: https://www.topazsystems.com/sigplus_extlite.html.

Using the draw method, signers create signatures by drawing them on the Consent page. This PC-touch capable feature gives signers as much control as your financial institution desires, such as the ability to create signatures, confirm intent to sign, and apply signatures, while you easily maintain control of the overall signing process from your own monitor. The procedure in this section applies to the party that is operating the eSign web browser (the FI representative or the signer) during that particular step. While signing and reviewing documents, a party can also modify textbox, checkbox, and dropdown fields using the signature pad (without messages), type, or draw methods. In-person signing with the draw method is available for PCs, iPads, ViewSonic displays, Wacom displays, and GemView displays. If using Wacom or GemView displays, you have the ability to slide the interface between monitors as needed when your monitors are set to extended display. Verify that the driver software that comes with the monitors is installed prior to using eSign. Refer to Using GemView and Wacom Devices for important notes regarding the use of Wacom devices for in-person signing.

Signature

Create the signature and create initials. Your Name and Initials fields are automatically populated from party information in the documents. Modify as necessary. The signature area is displayed differently depending on the selected signing method. If the signer is only reviewing documents, the signature and initials options are not displayed. The features shown here vary depending on the settings configured by the administrator and the document set being signed. The following examples have both signatures and initials. The signature pads shown are examples only. Your signature pad will be different.

When Type is the signing method, the signature and initials are automatically created. Unless the Your Name and Initials fields require changes, no changes are required.

Click Start below the Signature box and direct the signer’s attention to the signature pad.

When the signature pad displays "Please Sign Below," direct the signer to use the signature pad to create a signature. Then, the signer must select Clear or OK:

  • The signer selects Clear to remove the signature. The signer must sign again.
  • The signer selects Ok to accept the signature. After selecting Ok, it may take a few seconds for the signature to process.

Once the signature is accepted, the Consent page displays the signature in the Signature box. The Start button is replaced with the Clear button.

Click Start below the Initials box and repeat the procedure to create initials.

Once the initials are accepted, the Consent page displays the initials in the Initials box. The Initials Start button is replaced with the Clear button.

Click Start below the Signature box and direct the signer’s attention to the signature pad.

Note: If using a Google Chrome or Mozilla Firefox web browser, a popup window is displayed on the eSign web browser. This window is a copy of the signing area on the signature pad. As the signer creates his or her mark, it is displayed in real-time in this window. Click the thumbnail to enlarge the example.

Direct the signer to sign the signature pad. The signer creates his or her mark using the signature pad.

Note: If using a Google Chrome or Mozilla Firefox web browser, the signer's mark is displayed in the popup window on the eSign web browser. The FI Administrator clicks Clear to erase the signature and have the signer create a new mark on the signature pad. The FI Administrator clicks OK to accept the mark and continue with the signing process. The FI Administrator clicks Cancel to cancel the process of creating the signature or initials mark. Click the thumbnail to enlarge the example.

Once the signature is created, the Consent page displays the signature in the Signature box. The Start button is replaced with the Clear button. To clear the signature and create a new signature, click Clear.

Click Start below the Initials box and repeat the procedure to create initials. Once the initials are accepted, the Consent page displays the initials in the Initials box. The Initials Start button is replaced with the Clear button.

When Draw is the signing method, the Your Name and Initials fields are automatically populated from party information in the documents. Modify the Your Name and Initials fields if necessary. Then, direct the signer to draw a signature and initials. Click Clear to clear the signature or initials and sign or initial again.
Add a Photo Add the signer's photograph as part of his or her signature mark. The availability of this feature depends on the settings configured by the administrator and the document set being signed. Refer to Adding a Photo for details.

Accept the Terms

Acknowledge reviewing the Consumer Disclosure, approve the signature and initials, and consent to do business electronically.

  • Click Accept to review and sign the documents if using the type, signature pad (with messages disabled), or draw signing method. Refer to In-Person Signing and Reviewing for more information on signing and reviewing documents.
  • Click Continue to review and sign documents if using the signature pad signing method with messages enabled. Refer to Using Signature Pads with Messages for more information on signing and reviewing documents using signature pads that display messages.

    • Click Continue and direct the signer's attention to the signature pad. When the signature pad displays "I have reviewed the provided Disclosure and Consent and agree to the Terms of Use," direct the signer to Accept or Decline on the signature pad:

    • The signer selects Accept to use the signature, initials, and/or photo. Refer to Using Signature Pads with Messages to proceed with the signing process.

    • The signer selects Decline to stop this transaction. The Declining Terms popup is displayed on the eSign web browser. As the FI representative, it is your responsibility to click Decline Terms to terminate the signing process and to return to the eSignature Management page. Prior to clicking Decline Terms, you have the option to provide a reason for cancelling. To continue the signing process, click Return to Terms.

  • Click Decline to stop the transaction.