esignature User Guide

Transcription

1 esignature User Guide

2 Table of Contents Welcome to esignature 3 Using DocuSign for an OBA Business 3 Disclosure 3 Prerequisites for esignature 3 System Requirements 3 Getting Started With esignature 4 Submit CLIC Enrollment Form 4 Activate DocuSign Account and Password Creation 4 Settings 5 esignature for Group Plans and Tax Identification Numbers 5 Generating and Uploading Documents 6 Form Generation 7 Custom Form Requirements 8 Allowing Edits 9 Preparing to Send Envelope 12 Types of Signing Events 14 Navigation 15 Envelope Management 15 Advisor Signing 18 In-person: RSA ID Check Authentication 19 In-person: Access Code/Using a Signature Device 20 Signing Events 21 Signing Process 22 Editing the Form 24 Decline to Sign 25 Completing the Signing Process 26 Submitting to the Home Office 27 Client Consent and Agreement Documents 29 Supervisory Requirements of e-signed Documents 30 Certification of Completion 30 2 esignature User Guide

3 Welcome to esignature Welcome to esignature, Cambridge s electronic signature system. The esignature program offers you and your clients the ability to electronically sign (e-sign) paperwork through Cambridge s partnership with DocuSign, a leader in the electronic signature industry. esignature offers a fast, easy, and secure way to conduct paperless electronic signing events. By removing paper-based tasks, you can defray the costs and cut down on the time associated with maintaining physical documentation. This guide is designed to be a supplement to the online training offered by the CLIC Tech Team. To view this training, go to Education & Events Technology Training CLIC User Guides and Presentations, then click esignature under Client and Account Servicing. For questions, contact the CLIC Tech Team (clictech@cir2.com) at x3348. Using DocuSign for an OBA Business If the intended use of DocuSign is related to business activity as a registered representative or as an investment advisor representative, then Cambridge s enterprise DocuSign account should be used in order to comply with all regulatory requirements. At the same time, Cambridge has no objection to advisors having their own DocuSign account for an outside business activity (OBA) that is unrelated to the activities above, as long as the OBA has been properly reported to Cambridge in accordance with the firm s supervisory policy. Disclosure In some cases, esignature is not acceptable for transfers. If in doubt, verify with the delivery firm that esignature is acceptable. Firm specific information may be available in the Contrafirm Awareness reference located at Education & Events Orientation Training Brokerage Brokerage Transfers Contrafirm Awareness. For help determining if a form can be esigned, refer to the esignature Sponsor Requirements Guide found here: Home Education and Events Technology Training CLIC User Guides and Presentations. This guide also has information regarding the submission processes for esignature partnered sponsor companies and Cambridge forms. Prerequisites for esignature Must be an active Cambridge advisor. Transitioning advisors are not eligible. The advisor s address must be secure and match what Cambridge has on file System Requirements Operating Systems Windows 7 or higher Mac OS X or higher Android 2.2 or higher Apple ios 4.0 or higher Browser Firefox 3.0 or higher Google Chrome 5.0 or higher Internet Explorer 11 or higher Safari 3.0 or higher PDF Reader Adobe Acrobat XI or higher 3 esignature User Guide

4 Getting Started With esignature Submit CLIC Enrollment Form Activate DocuSign account and create password Activate your account in CLIC Confirm settings Submit CLIC Enrollment Form Complete and submit the CLIC Enrollment Form for administrative staff requiring access to CLIC esignature 1. This will be a complimentary subaccount under Cambridge. Please allow hours for processing. The CLIC Enrollment Form can be found by visiting Managing Your Business Managing Client Accounts, then searching CEF. Activate DocuSign Account and Password Creation Once the home office creates your DocuSign account you will receive two s. One from the home office with important account creation and esignature training information. The second will contain information on how to activate your new esignature account in DocuSign. Once logged in to DocuSign, click Edit, next to My DocuSign ID, to confirm all personal information is correct. Your name must reflect what Cambridge has on file, including middle initial. To create a signature, click Create Your Signature. From here, you are able to select a pre-made font, draw your signature, or upload a scanned signature from your computer. If needed, you can edit your signature by clicking Edit next to My DocuSign ID and locating the Signatures section. Your name must reflect what Cambridge has on file. 4 esignature User Guide

5 Settings To prevent your host from marking esignature s as spam and/or junk, it is recommended you white-list the DocuSign delivery address If your is hosted by Smarsh, this is done automatically. esignature for Group Plans and Tax Identification Numbers Tax identification numbers (TINs) for an entity or group will require a signer with a Social Security number (SSN) on the Secondary/Authorized Signer tab within CLIC. 5 esignature User Guide

6 Generating and Uploading Documents Note: The client's address must be listed in the Contact Information section of the Primary Investor tab before forms are generated if the client plans on signing remote. If the client does not have an address listed in the system, you will still be able to utilize esignature s in-person signing option. For more information on remote and in-person signing please view the Types of Signing Events section in this guide. You may send multiple envelopes for the same account. Select forms to be generated on the Actions tab. You can select up to 10 forms at one time by clicking on the form in the list. If more than 10 forms are required, you will need to generate multiple envelopes. Check the Custom Forms Only box if you only want to upload your own forms or a set of saved forms from (example: CAAP IPS). These custom forms must be in PDF or TIFF format. Note: If you select a form from the list, then the Custom Forms Only box cannot be checked. You will be able to add custom forms after generating your selected forms and clicking the esignature button. Once the forms have been selected, you can rearrange the order to your preference by clicking the up/down arrow and dragging the form to the correct location. Click Generate to create the forms. 6 esignature User Guide

7 Form Generation Assign Signers The forms will open in a new tab or window once generated. You can make as many edits to the forms as necessary. Save any changes before clicking esignature in the upper right-hand corner to start the envelope creation process. Note: The date field will populate next to the signature once the client signs. Do not fill out this section. Look for thumbnails accompanied by. This icon indicates pages with unassigned signatures. When the signature page(s) is selected, locate the drop-down menu(s) on the page to assign all signers. Use the "N/A" option when the signature line does not apply to the client. Adding a Custom Form You may insert custom forms after generation by clicking at the bottom right of the screen. This will prompt you to add the attached document. If forms have already been generated, you will need to save before adding the custom form. Choose your form by clicking Browse. Once selected, click Upload. 7 esignature User Guide

8 Custom Form Requirements The total file size for an envelope must be under 25 MB Custom forms must be a PDF or TIFF image If you are adding a saved form from the form library, be sure you have the most current version saved Note: If the custom form has not been in the Cambridge library, the form must be completed before uploading for esignature. Finish assigning signers Once you have assigned all signers, you will see a green checkmark on the thumbnail. Click Next at the top of the page when all fields are assigned. Custom Form Signature Fields To add a custom signature or initial field to forms, navigate to the section of the form where the client or advisor must sign and right click. Here you may select a signature or initial field for the signer. You may adjust the location and size of the field on the page. Once placed, select the signer from the drop-down menu. If a custom field is placed in error, select the custom signature field so the four black squares are visible and then press the delete button on your keyboard to remove the field. Note: Be sure to place the signer field as close to the left edge of the signature line as possible. Take care to make sure the field does not extend over the edge of the page. 8 esignature User Guide

9 Allowing Edits Once the forms have been generated and known edits have been made, select esignature in the upper right-hand corner to start the envelope creation process. 1. Assign editors to specific fields on the document 2. Allow signers to edit the entire document Assigning an Editor Once the forms have been generated and known edits have been made, select esignature in the upper right-hand corner to start the envelope creation process. To assign a specific field for editing, click Mark Fields for Edit by Signers at the top left-hand corner of the screen. Next click the field you would like to assign for editing. Note: This option can only be used for allowing edits to text fields. Check boxes cannot be edited with this function. To allow editing of check boxes, use the Allow Signers to Edit the Entire Document option below. After the field has been selected a drop-down menu will appear. From this menu select the signer who needs to edit the field. If you need to make edits to the form, it must be done before the envelope is sent to the client(s) for esignature. Anyone: Will allow any signer to edit the field Client's name: Will allow only that client to edit the field Nobody: Will remove the ability for someone to edit this field Multiple fields can be marked for editing; however, only one drop-down menu will appear on the document at a time. Once all edits have been made and editors have been assigned, click Next to continue. Ensure Enable Signers to Edit Form Values While Signing is checked before sending for signature to allow the assigned editors to make changes to the document. If Enable Signers to Edit All Form Values While Signing is checked, your assigned editors will be removed and all signers will be allowed to edit every field of the form. If assigning a specific client to edit a field, that client will need to complete the requested edit(s) before they are able to complete the document signing process. 9 esignature User Guide

10 Allowing Signers to Edit the Entire Document Allowing the signers to edit the entire document will allow any signer to make edits to text fields within the document. Using this option will not require the signer to edit a field before completing the signature process; however, this option will allow you to make final edits to the documents before signing. Any edits made by a advisor to the forms will cause the envelope to return to the primary client for initials on the edited field. Once the forms have been generated and known edits have been made, select esignature in the upper right-hand corner to start the envelope creation process. Assign the signature fields and click Next. 10 esignature User Guide

11 Check Enable Signers to Edit All Forms Values While Signing before sending the envelope for esignature to allow all signers to edit text fields within the document. Note: Signers are able to sign and complete the envelope without making edits to the forms. 11 esignature User Guide

12 Preparing to Send Envelope On the envelope creation screen you can edit the envelope information and choose the type of signing event and method of authentication. Envelope Subject Line and Body Message The envelope s defaults with messages in the subject line and body. The body contains a formula for the client s default access code and lists the forms generated. You may make as many edits as necessary to the the client will receive. Cambridge recommends the input of additional information, such as the name of the client or advisor, into the subject line to indicate to the client that this is not spam. Note: The character limit for the subject line is 100 and the body is 2,000. Custom Envelope Types and Methods of Authentication Cambridge policy requires specific signing methods comprised of one or two independent types of authentication, depending upon the signing situation. This will ensure private client information is secure and minimizes the opportunity for fraudulent activity. The following table is a guide to the authentication methods and approved signature option requirements. Approved Authentication Methods for Electronic Signature Scenario Signing Location USA PATRIOT Act Documentation Method 1 Remote Documentary, advisor has not seen or verified client ID 2 Remote Non-documentary, advisor has not seen or verified client ID First Authentication Method 3a In-person Documentary Visual ID verification by advisor 3b In-person Documentary Visual ID verification by advisor Second Authentication Method Approved Signature Adoption Options Adopt DocuSign Signature Style Sign Using Computer Mouse Hand-drawn on Touch Screen Device** Access code* Yes Yes Yes Yes RSA ID Check Yes Yes Yes Yes Access code plus hand-drawn digital signature RSA (alternative to digital signature) No No Yes No Yes Yes Yes Yes 4 In-person Non-documentary RSA ID Check None Yes Yes Yes Yes *All cc: recipients must enter an access code **e.g., ipad signature capture Sign Using Personal Downloaded Signature 12 esignature User Guide

13 Authentication Options Access code: Default format is the first letter of the signer s last name followed by the last four digits of their SSN or TIN. The formula of the access code is in the to the envelope recipients. Do not include the actual access code in the to the signers. The access code may be communicated by means other than , such as: phone, SMS, fax, or face-to-face. Default: The access code will be set to the default access code. This is the first letter of the signer s last name and last four digits of their SSN (Example: Z9999). The code submission is not case sensitive. Custom: By unchecking Use Default, a custom access code may be entered. The custom access code may be up to 50 characters and may include special characters. Note: If you create a custom access code, be sure to change the template, or provide the code through alternative means. RSA ID Check: This is a set of questions about the recipient based on data available in public records, such as a former address. This is the default option for in-person signings or if the client is listed as non-documentary. 13 esignature User Guide

14 Types of Signing Events Note: Check the Authentication Methods table on page 11 of this document to confirm what requirements are necessary for the signing situation. Remote Signing These signings are done through the client s . The client will receive a message via to e-sign documents. The client can access those documents by an access code or completing a RSA ID check. Then they may review, edit (if enabled), and sign forms on their own computer or device. Client addresses recently added to or updated within CLIC will require the client to complete an RSA ID check to confirm the address belongs to the intended client. You must have the client s address in the system prior to generation of forms for this option to be available, otherwise you must regenerate the forms and recreate the envelope. Note: If clients share an address, they will both receive their own to sign. They will both need to access their own envelope with their own access code. The advisor will receive an to sign once all clients have signed. In-person: Not on a Signature Device These signings are done in the same physical location as a CLIC esignature user. The user will act as a signing host for the transaction. All envelopes will be sent to the advisor for completion via . The client will receive carbon copy and completion s if their address was entered into CLIC before the forms were generated. Examples of in-person signing: Taking your laptop to an event or client s home Having a member of your administrative staff host the signing in the office with a client 4 Instead of an access code, a RSA ID Check will be required. The client will be asked a series of questions to verify their identity in order to access the documents. Once the client has answered the questions, they will be able to review, edit (if enabled), and sign the documents on the advisor s computer. Note: If going out to the field, ensure that you have a proper internet connection ahead of time. Choose the Signing Advisor If the client is under a split code, choose the advisor who will be signing from the advisor drop-down menu. This is located below the type of signing event drop-down menu. Note: The advisor access code will be the first letter of the advisor s last name and the last four numbers of their SSN. 14 esignature User Guide

15 Navigation Previous: Takes you back to the forms for edits Save: Saves your envelope information to the Work in Progress Send for esignature: Sends envelope out to client(s) Note: The client, advisor, and any office staff associated with the advisor will receive carbon copies once Send for esignature is selected. Reminder s will be sent for the next 20 calendar days until all parties have completed signing. Envelope Management Once an esignature envelope has been sent to the client the envelope will be live for 20 calendar days. If the envelope is not signed by all parties within the 20-day life cycle it will automatically be voided. Clients will receive reminder s from DocuSign to complete their signing. The client will receive these s daily after the envelope has been live for four days. On the twelfth day the daily reminder will be replaced with expiration pending . The daily reminder s will then continue for the remainder of the envelope's life. Only the party needing to sign will receive these notifications. Note: Forms associated with the voided envelope will need to be recreated and resent through a new envelope. Envelope Statuses Not Sent: Envelope has been created, but not yet sent for esignature. Forms and envelope information are editable. Sent: Envelope has been created and sent to client/advisor s . Forms are only editable if marked applicable by the advisor. Delivered: The client has opened the document but has not completed the signing process. Client Signature Completed: One or more clients have completed the signing process Completed: The advisor and client have completed the signing ceremony. The advisor still needs to submit the documents to the home office through WebCapture with a key number generated in CLIC. Client Access Failure: A party has failed their access code or RSA ID Check; resend the envelope in the Actions tab of the client or the Work in Progress Declined: The client has chosen not to sign electronically. The envelope is automatically voided, unable to be resent. Void: Envelopes timed out or canceled by the advisor. Once voided, the envelope is unable to be resent. 15 esignature User Guide

16 Work in Progress You can check an envelope s status in the Work in Progress under the All Envelopes or Action Required tabs. To only view a specific status or set of statuses, navigate to the area below All Envelopes. Deselect the box next to the status you do not wish to see. The Action Required tab will show envelopes that are pending your attention. Use the links on the side to take action, or click on the picture of the envelope to view more information. You can also see this information in the Actions tab. Click the link for further actions or click on the picture of the envelope to see more information. Clicking will show the following information: 16 esignature User Guide

17 Envelope creation Envelope ID: Unique identification number of the envelope Sent By: Who created the envelope Sent On Behalf Of: The rep code of the advisor signing the envelope Sent On: Date envelope was sent Status: Status of envelope Recipient information Client name Authentication Method: Review the access code by clicking the carrot Status of envelope Date of last status Notes: e.g., indication of client access failure Expiration date Reminder s will be sent daily after four days Expiration pending s will be sent after 12 days The envelope will automatically void after 20 days How to Resend an Envelope Use the link in the Work in Progress tab or click Resend in the envelope s information. This action will send another to the signer who failed the authentication check. Once you click Resend, you will have the option to change the client s access code. Click either Confirm Resend when ready or Cancel Resend to stop the process. Note: Click on to see the access code carrot. Use this to verify the client s access code if you are ever in doubt. 17 esignature User Guide

18 How to Void an Envelope Use the link in the WIP to find the envelope. Click Review to display envelope information. If you need to void the envelope for any reason, click Void and select a reason from the drop-down menu. Then click either Confirm Void or Cancel Void when complete. Advisor Signing Once all clients have completed the signing process, the advisor will receive an to complete their signature if required. To access the enter the advisor s first letter of last name followed by the last four of their SSN. Note, this is not case sensitive. The signing process will be similar to the clients, if client editing was enabled, but the advisor does not need to sign, the advisor will still need to access the DocuSign to review the edits made before the envelope will be completed. 18 esignature User Guide

19 In-person: RSA ID Check Authentication Note: All s for the signing ceremony will go to the advisor. The client will receive carbon copies if an address was provided in CLIC. To begin e-signing, log into your and click Review Documents. Once logged in, instructions will be provided regarding how to host an in-person signing. When ready, click Begin Signing. The client will be prompted to complete an identity check. The recipient will initially be prompted to enter personal information such as SSN, home address, and date of birth. Once the information has been entered, click Next. Then a set of questions based on publicly available information will be presented to the recipient. 19 esignature User Guide

20 If the validation check is failed, the envelope will need to be resent through CLIC. You may verify the client s access code or make changes to it if you like. Once the client completes the questions, they will need to accept the terms and conditions before they are able to start the signing process. Check the box and click Continue. Note: The signing process will be the same as the remote signing. Be sure the client completes the documents and clicks Continue until the thank you message is displayed. In-person: Access Code/Using a Signature Device Note: You will receive all s regarding the signing ceremony. The client will receive carbon copies if an address was provided in CLIC. Login to your and open the link to the documents to begin e-signing. Once the link is open, instructions will be provided regarding how to host an in-person signing. Click Begin Signing once ready to receive the first set of instructions. Give the device to the client. The client will now be required to enter their access code or will be asked to complete an RSA ID Check, depending on the authentication of the envelope. 20 esignature User Guide

21 Once the client has answered the RSA ID Check questions, they will need to agree to the terms and conditions before the signing process begins. Check the box and click Continue. Note: The signing process will be the same as the remote signing. Make sure the client completes the documents and clicks Continue until the thank you message is displayed or they are instructed to pass the device back to you. Once complete, move to the next signer until all parties have signed. The advisor will sign in a separate link provided after all clients have signed. Signing Events Remote signing When an envelope is sent, the client will receive an from DocuSign (dse@docusign.net) with the default Document for esignature or a custom subject line of your choosing. The will also display the special note and envelope ID. The advisor and associated staff will receive a carbon copy of the sent to the client. This carbon copy appears identical to the clients , but excludes the special note and link to the documents. The client will need to click Review Documents at the bottom of the message to start the process. Your client will then be prompted to enter their access code and click Validate to access the documents. The default access code is the first letter of their last name followed by the last four of the client s SSN (this is not case sensitive). After agreeing to the terms and condition of DocuSign the client will then be able to review and sign their documents. Note: If your client fails the code, resend the envelope in the Work In Progress or the Actions tab of the client in CLIC. 21 esignature User Guide

22 Signing Process Once the client clicks Continue, they can scroll through the documents to make edits, if enabled, or review the form as necessary. Click the Start arrow when ready to begin signing for easy navigation to signature fields. Click Sign on the signature line to display signature options. You do not need to enter the date as it will be stamped for you. Select Style To choose a font, click Select Style. To view alternative fonts and select different font, click Change Style. 22 esignature User Guide

23 Client Hand-drawn Signature If the client would prefer to draw their signature, select Draw. If this is selected, the signature needs to be legible and reflect the client's name. Unidentifiable or illegible marks are not accepted including dots and lines. If a mistake was made during the signature, click Clear at the top right of the signature box. Click Adopt and Sign at the bottom left of the window when ready to continue. Note: Remaining signer fields will populate with the saved signature once the client clicks on the field. 23 esignature User Guide

24 Editing the Form The client may edit the form at any time during the signing process if you check one of the Enable Signers to Edit boxes. If you or the client made any edits to the form throughout the signing process, an initial field will show up on the side of the page next to the area where the change was made. The client will be prompted to sign the above mentioned initial fields during the signing process if changes were made. If edits were made by the advisor, the client will receive a follow-up from DocuSign. Note: If there are multiple edits to the same area of the form the initial fields may stack on one another. It is best practice to fill out as much of the form as possible before sending to your client to make edits. All edits must be initialed before the form can be completed. The client will have a chance to print or download the documents with only their signature. When ready, click Continue. If you enable the client to edit fields, but do not assign yourself a signer field, you will still need to go into the DocuSign to review the edits made. Select Continue until the thank you screen is displayed. All clients must sign before the you will receive a notification to sign. Advisors should instruct the client to continue the signing process until the thank you message is displayed. 24 esignature User Guide

25 Once all signers have completed signing, a completion will be sent to all signers with an address on file. The signers can then access this with their access code to print or save a completed version of the document with all signatures. Other Actions Tab If the client clicks Other Actions in DocuSign they can either decline to sign or finish the process later. The client should click Finish Later to finish the signing process at a later time or Decline to Sign if they do not with to esign. Decline to Sign If the client selects Decline to Sign, a pop-up window will appear asking for the decision to be confirmed. Once the client clicks Continue they will be asked to provide a reason for choosing to decline. Once the client clicks Decline to Sign, they will receive a message indicating they were successful. All parties included on the envelope will receive notification of the client s decision to decline. In addition, declining to sign will void the envelope for all parties. Forms for voided envelopes cannot be resent. These items must be regenerated and sent to the client through a new envelope. 25 esignature User Guide

26 Completing the Signing Process Once the client has made all required edits and completed the signing process, clicking Finish will complete the envelope. The client will have a chance to print or download the document with only their signature. When ready, click Continue. All clients must sign before the advisor will receive a notification to sign. Advisors should instruct the client to continue the signing process until the thank you message is displayed. 26 esignature User Guide

27 Submitting to the Home Office Once all parties have completed the signing ceremony, you will need to send the documents to the home office for review. WebCapture is integrated with esignature and will store completed envelopes for submission for 30 days. First a trade key will need to be generated on the actions tab of the account. Then save the routing slip to your computer or online storage system by clicking Print Routing Slip. On the routing slip the documents can listed and/or add special instructions for the home office. If you would like to keep a copy of the documents in your office, you can download a PDF copy from the Actions tab. Click to display the information. Then click Download PDF to save the document. Note: If the completed envelope is unable to be accessed through CLIC or WebCapture, it will always be available for download within your DocuSign account. 27 esignature User Guide

28 Once you have your trade key, go to the WebCapture tab on the home page. You may need to use the gray arrow to scroll through tabs in order to locate the WebCapture tab. Browse and upload your saved routing slip, then click esignature tab. Note: If the envelope is older than 30 days, it will time out and drop out of the esignature tab s queue. To retrieve the envelope, navigate to your DocuSign account and the envelope can be saved locally from your completed list. WebCapture submissions can contain a mix of e-signed and wet-signed forms as long as the documents are for the same account. The esignature tab will store completed envelopes for 30 days. Click the link to upload the documents. It may take up to one hour for the envelope to appear in the list after completion. Search field: This is a smart search, which begins narrowing down the list of available envelopes as the information is typed. This field allows a search to be made of a completed envelopes by rep code, SSN, TIN, and envelope ID. New tab: Will display complete envelopes, that have not been selected for submission in WebCapture Viewed tab: Displays all complete envelopes that have been previously selected in WebCapture. Once an item has been selected in the New tab, it is automatically moved to the Viewed tab. Hover over the items at any time to see additional information about the envelope. If you have multiple envelopes for the same client, use the envelope ID to discern items. Note: Do not to delete any documents out of your submissions. 28 esignature User Guide

29 Client Consent and Agreement Documents The Client Consent to Electronic Delivery and Execution and Certification of Completion Forms are automatically added to completed documents. These forms are necessary and must be included with all e-signed paperwork. Example of Client Consent to Electronic Delivery and Execution Note: If you are creating personal accounts, you will only receive the Certification of Completion Form that needs to be submitted to the home office. Make sure this is included with every e-signed submission. Once your paperwork is uploaded, click the Index tab. Use the routing slip information provided to complete the drop-down menus. Click Submit when you are ready. 29 esignature User Guide

30 Supervisory Requirements of e-signed Documents Office of supervisory jurisdiction (OSJ) supervisors and their designees will continue to use CLIC Trade Review to electronically approve the supervised activities presented in that system. OSJ supervisors have additional tasks for e-signed documents. Within the DocuSign bracket of esignature, there will be an ID number under the signature; make sure it matches the ID on the Certificate of Completion Form. Certification of Completion Verify all the pages of the Client Consent to Electronic Delivery and Execution and Certification of Completion Forms are included with the e-signed forms. These forms will be under the acronym ECERT in Trade Review. Verify the Cambridge DocuSign account was used by ensuring that Cambridge Investment Research, Inc. is in the top line of the Client Consent Form. Verify that the correct authentication method has been used to mitigate compliance risk. Look at the security level under Signer Events and In-person Signer Events sections of the Certification of Completion Form. If the wrong type of authentication was used, the batch of paperwork must be rejected and the appropriate level of authentication should be obtained. Refer to the Authentication Methods table on page 11 of this document for a reference to appropriate levels of authentication. 30 esignature User Guide

31 1776 Pleasant Plain Road Fairfield, Iowa Administrative staff must have a secure address on file with Cambridge to sign up for esignature. 2 CAAP is a registered mark of Cambridge Investment Research, Inc. for its program for investment managers. 3 Sponsor requirements vary. Sponsor specific information can be found in the CLIC esignature Sponsor Requirements Guide found on 4 The administrative staff member can guide the client through an in-person signing ceremony. Once the client has completed their signing, the advisor would be able to complete the documents to sign at a later time. 5 You can only resend envelopes that have failed an access code or RSA ID Check. Securities offered through Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC, and investment advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Both are wholly-owned subsidiaries of Cambridge Investment Group, Inc. For financial professional use only V.CIR.1017