1. Signing Agent Training
for
eSign® Closings

2. Welcome!
Welcome! Thank you for taking the time to explore this exciting new training program regarding eSign® Closings with AmTrust Mortgage Banking.
eSign® Closings represent one of the fastest growing technology trends in today’s market. By completing this training, you will have a unique opportunity to participate in servicing this business and, in turn, expand your own business.
The training module is divided into two sections. The first section reviews how to prepare for an eSign® Closing and the second section covers how to conduct an eSign® Closing. Both sections include step by step instructions that were prepared with the assistance of AmTrust. Please pay close attention to all materials presented, as different companies may follow different procedures for certain portions of these closings. It is important that you understand and follow Bancserv’s procedures for the eSign® orders processed through us.
Thank you again for taking the time to participate in this exciting opportunity.

3. Disclaimer READ BEFORE YOU PROCEED!
***********************************************
Please note that the information contained in this training module is for informational purposes only and is to be used as a guide for conducting eSign® closings. It is intended to give you a basic understanding of these unique transactions and is not intended as legal guidance on any matters discussed herein.
Signing agents should never discuss loan terms and conditions with borrowers, as questions of this nature should always be directed to the loan representative or lender. You must follow all rules, regulations and laws that govern you and never engage in the unauthorized practice of law.
Thank you

4. Preparing for an eSign® Closing
SECTION 1
Preparing for an eSign® Closing

5. ! Section 1 Preparing for an eSign® Closing OVERVIEW
Steps must be taken prior to attending a mobile eSign® closing to ensure you have access to the eSign® system and have prepared those documents requiring ink signatures as follows:
Activate your account with AmTrust/Gemstone through Welcome
Confirm receipt of with loan number and link to loan documents
Determine how borrower copies will be provided (both ink signed and eSign® docs)
Print all paper documents requiring an ink signature
Print paper “back up” documents
Print Notice of Right to Cancel (and make date correction, if applicable)
Print borrower copies of eSign® documents (if applicable)
Print any supplemental Escrow/Closing documents sent by by (if applicable) !
It is imperative that all of these steps are completed BEFORE arriving at the borrower’s home for the eSign® closing.

6. ! Step 1 Account Activation
After initially accepting an eSign® closing, one of the first things you should receive is an from AmTrust/Gemstone asking you to activate your account. (This generates when the title company authorizes you for the signing.) !
If you have not received this , please STOP and contact the Title Company or Escrow/Closing Agent immediately.
A designated “administrator” must give you authorization for each eSign® closing. Visit this link to view a video with more information on login functionality.

7. Step 1 (cont’d) Account Activation
Once you receive the , click on the link, To log in, you will enter your user name (which is your address) and the temporary password assigned by AmTrust. Once you log in, you will be prompted to change your password. (Keep a secure record of your password for future use.)
Next, you will be asked to choose a series of 3 security questions. You must enter the EXACT SAME RESPONSE to any future security prompts (if you forget your password or log in from a different computer, etc.), so choose answers you’ll remember!
Click Submit upon completion

8. Step 1 (cont’d) Account Activation
Once you have re-set your password and set your security questions, you have successfully completed the account activation process. You should end at the AmTrust/Gemstone homepage.
The Gemstone Help Desk is available to answer questions or troubleshoot issues with specific regard to eSign® (loan questions should be referred to the Broker).
Gemstone Help Desk
(888)
5:00 am to 5:00 pm PST

9. Step 2 Loan Document Link
The Title Company or Closing office will also forward you an that will include a loan number and specific link to
To start preparing printed documents, click on the first link that states ‘To access all paper and electronic closing documents . . .’

10. ! Step 2 (cont’d) Log In to AmTrust/Gemstone
After clicking on the loan specific link contained in the , you will be prompted to type in your Gemstone Login ID and Password that you PREVIOUSLY created.
Click Login to continue !
You may also be prompted to answer the security questions you created when you set up your Login ID and Password.

11. PLEASE CONTINUE TO PRINT PAPER DOCUMENTS
Step 3 Borrower Copies
Before continuing to the next step (printing paper documents), it is important for you to know whether you will be providing Borrower Copies in paper format. AmTrust also allows for Borrower Copies to be provided in electronic format, either via as a PDF attachment or copied onto a CD; therefore, each Escrow/Closing office may follow different procedures. Be aware that the delivery method for Borrower Copies may vary between customers.
In the beginning, we expect that you will provide printed Borrower Copies most of the time. Therefore, unless you are instructed otherwise, please assume you should print 2 copies of all documents in order to leave paper copies with the borrower.
When in doubt, print 2 sets!
PLEASE CONTINUE TO PRINT PAPER DOCUMENTS

12. ! Step 4 Print Paper Documents
On the AmTrust homepage, Click on View Docs from the menu choices at the left then enter the loan number.
Once on the View Docs page, click on the link named Paper Documents. This will take you to the paper documents that require an ink signature by the borrower. Once the documents come up in Adobe Acrobat, print 1 copy of this package to be signed at the closing (or 2 copies if your are providing paper borrower copies). These documents must be ink signed by the borrower at the end of the eSign® appointment. Exit out of Adobe to return to the View Docs page. !
All loan documents are to be printed on Letter Size (8.5 x 11) paper.

13. Step 5 Print Paper Back Up Documents
Next, on the View Docs page, click on the link named Paper Back Up. This will take you to a complete set of paper documents that can be signed by the borrower(s) should the eSign® portion of the closing not work.
AmTrust indicates you should bring ‘Paper Back Up’ documents to each closing as a precautionary measure, to be utilized only if the eSign® part of the closing doesn’t work (i.e. no internet signal available due to rural location, etc.) It is the Signing Agent’s discretion to determine whether Paper Back Up is prudent, but be aware you may need to return with back up documents if you don’t bring them and they are needed. !
If the eSign® closing is successful, you should destroy the paper back up docs!

14. Step 6 Print Notice of Right to Cancel
On the View Docs page, click on the link named Electronic Documents. This will take you to the eSign® Landing Page.
Then click on the GO button located to the right of the document named “Notice of Right to Cancel.”

15. Step 6 (cont’d) Print Notice of Right to Cancel
Check the date on line (1) of the document to see if the date shown is the date you are signing the borrower. If the date is NOT correct and you are in a state where legal documents are known to be date sensitive, or the instructions indicate the documents are date sensitive, STOP and contact the Closing Agent immediately for further direction. Docs may need to be updated. !
On date sensitive transactions, the date on the documents must match the signing date.
If the date is correct or the date is NOT correct but you are in a state where legal documents are NOT date sensitive (as in most West Coast states), continue by printing 3 copies of the Notice of Right to Cancel for each borrower that is signing.

16. ! Step 6 (cont’d) Print Notice of Right to Cancel
When the date is NOT correct and the documents are NOT date sensitive you must line through BOTH the incorrect date on line (1) AND the date the borrower must cancel by on all 3 printed copies and manually write in the correct dates.
At the signing, you must then have the borrower initial any date changes, sign at the bottom of each copy (acknowledging receipt of 2 copies) and RETURN 1 executed copy per borrower with the rest of the ink signed documents. !
Each borrower is to receive 2 copies of their signed Notice of Right to Cancel, whether date changes are made or not.

17. Step 6 (cont’d) Print Notice of Right to Cancel
Please note that there are two important reasons the Notice of Right to Cancel must be printed as previously described:
To allow for date corrections, when needed; and
To ensure that the borrower receives 2 printed copies of the notice (because borrower copies may be provided in electronic format and even when printed, sometimes only 1 copy prints out.)
Future modifications to the Amtrust/Gemstone system may alter these procedures
PLEASE BE AWARE!
During the eSign® portion of the closing, the borrower MUST also click on the I Consent button acknowledging the Notice of Right to Cancel, regardless of any date changes that are made on the ink signed Notice of Right to Cancel.
The ink signed Notice of Right to Cancel will supersede the electronic document, if date changes are made.

18. ! Step 7 Print Borrower Copies of eSign® Docs & Exit
If you are providing printed Borrower Copies of ALL documents, return to the eSign® Landing Page after printing the Notice of Right to Cancel and click on the Print All Docs button while still in the eSign® section in order to print Borrower Copies of the eSign® portion of the documents.
PREPARATION OF THE AmTRUST DOCUMENTS SHOULD NOW BE COMPLETE!
BEFORE EXITING THE SYSTEM, PLEASE VERIFY THAT YOU HAVE:
Printed copies of Paper Documents requiring ink signatures
Printed copies of Paper Back Up Documents (if deemed necessary)
3 copies of printed Notice of Right to Cancel for each Borrower signing
Printed Borrower Copies of both eSign® and Paper Documents (If applicable)
Once you have completely printed all necessary items, safely exit the eSign® loan by clicking on Logout at the left side of the screen.
(Just one more Preparation Step to Go!)

19. ! Step 8 Print Supplemental Closing Documents
It is likely you will also receive a separate from Escrow/Closing that will contain any additional instructions or supplemental closing documents that must be printed and signed (such as the HUD-1, Escrow Instructions etc.).
Typically, any such documents will be sent directly to the Signing Agent from the Escrow/Closing Agent via as PDF attachment(s).
Be aware that supplemental closing documents may need to be printed on Legal (8-1/2 x 14) rather than Letter size paper. Pay attention to the format of attached documents and any printing instructions provided. !
Once again, if you are providing the Borrower Copies in printed form, you must also print 2 copies of any supplemental documents in order to leave 1 copy with the borrower.

20. ALL DOCUMENT PREPARATION IS NOW COMPLETE!
Section 1 Conclusion
You have completed Section 1
“Preparing for an eSign® Closing”.
ALL DOCUMENT PREPARATION IS NOW COMPLETE!
(You’re almost)
(But please proceed to Section2)

21. Conducting an eSign® Closing
SECTION 2
Conducting an eSign® Closing

22. Section 2 Conducting an eSign® Closing
OVERVIEW
To conduct an eSign® closing, you must bring the required hardware, as listed, then follow the Steps below:
Laptop Computer
Wireless Internet Card or Access
Wireless Mouse (preferred but not required)
Access the eSign® documents
Execute the Electronic Consent Form
Approve Borrower Information
Execute the Electronic Documents
Verification of Borrower ID
Submit the eSign® loan & Exit AmTrust system
Have paper documents ink signed & provide borrower copies
Notarize and Return ink signed documents to Escrow/Closing, then destroy any paper back up

23. ! Step 1 Access the eSign® Documents
At the closing, you will need to access the the Title Company originally forwarded to you.
Click on the link starting with ‘Electronic Documents: Click the link below to access the eSign® module. . .’ !
If the original is NOT available, open up the internet and go to

24. ! Step 1 (cont’d) Access the eSign® Documents
Type your AmTrust/Gemstone Login ID and Password that you PREVIOSLY created and click Login. !
You may be prompted to answer the same security questions you created when you set up your Login ID and Password.

25. Step 1 (cont’d) Access the eSign® Documents
Click on the eSign® link, enter the Loan Number, then click on Submit. This will take you to the live eSign® Landing Page.
Then, click on Electronic Documents to access the eSign® module and the electronic portion of the closing documents.

26. Step 2 Execute the Electronic Consent Form
Click on the GO button located to the right of the first document on the Landing Page. This document will always be the Electronic Consent.
Once the borrower has read and agrees to the Electronic Consent form, they will need to click on the I Consent button at the bottom of the document. Then click on Next Document at the bottom of the page. !
Use the scroll bar to scroll to the I Consent button.

27. ! Step 3 Approve Borrower Information
Next, the borrower will be asked to verify that the name and address AmTrust has on file is correct. If they agree with the information, they will click on I Accept. If an error exists with the address or name click on I Do Not Accept and immediately contact the Escrow/Closing Agent. !
Once the borrower clicks I Accept, you will be returned to the eSign® Landing Page.

28. Step 4 Execute the Electronic Documents
When you return to the Landing Page, click the next GO button.
The system will now guide the borrower through each of the documents they will need to eSign®.
Once the borrower has reviewed each document, they will click on the Sign button, then click on Next Document.

29. ! Step 4 (cont’d) Execute the Electronic Documents
When the borrower has eSigned the last document, they will return to the Landing Page. At this point, each document should have an “X” next to it for each borrower. If an “X” is missing, return to that document by clicking the GO button to check for an e-signature.
During the eSign® process, the borrower may be asked to sign a “Consent to Multiple Documents” form. This allows them to electronically sign several documents with one mouse click. If the borrower agrees, have them click on the I Accept button and the eSign® process will continue. !

30. ! Step 5 Verification of Borrower ID
The last step in the eSign® process is for you, the Signing Agent, to acknowledge that you have verified the borrower’s ID and that each borrower personally signed the documents (electronically).
At the bottom of the Landing Page, there should be an area where you can type in your first and last name as the Signing Agent/Notary. Once you have typed in your name, click on Submit. The documents are then electronically transmitted to AmTrust. !
You must always verify and record the borrower’s ID based on the specific notary laws within your state!

31. The eSign® Portion of Your Closing Is Now Complete!
Step 6 Submit the eSign® Closing & Exit
Once you have typed in your name and clicked on Submit, a box will pop-up saying ‘Congratulations. You’ve successfully submitted your loan using eSign® Click on OK and you’ll be returned to the Landing Page.
Back on the Landing Page, safely exit the eSign® loan by clicking on Logout at the left side of the screen.
The eSign® Portion of Your Closing Is Now Complete!

32. Step 7 Have Paper Documents Ink Signed
Next, you will need to complete the ink sign portion of the closing by having each borrower sign all printed paper documents exactly as their name appears. Make sure that ink signatures are obtained on all required documents, including any supplemental Escrow/Closing documents. (This portion of the signing is similar to any typical loan signing.)
DON’T FORGET!
Provide Borrower Copies of the ink signed and eSign® documents as instructed by the Escrow/Closing Agent or inform borrower of how copies are being provided, if you are not the one supplying them.

33. Step 8 Notarize & Return Ink Signed Documents
FINAL STEPS . . .
Notarize all required documents. Review carefully to make sure all information is entered correctly on acknowledgments and/or jurats, that you have signed where required and that you’ve affixed a legible stamp within proper margins.
Review original or cover sheet instructions for how to return the ink sign portion of the documents to the Escrow/Closing office. Contact either the Escrow/Closing agent or Bancserv if return instructions are not provided. !
Destroy any Paper Back Up copies that were printed but not utilized

34. Section 2 Conclusion You have completed Section 2
“Conducting an eSign® Closing”.
(… at least with the training module)
To complete the process and get activated as an eSign trained signing agent, please proceed to the eSign® Training Verification section located in the Bancserv Training Center

35. Congratulations! You have completed Bancserv’s
Training for eSign® Closings
Thank you for your participation!