ESRA 2011 Fall Conference, David Whitaker Presentation

1. Taking Transactions Mobile R. David Whitaker Senior Company Counsel Strategy and Operational Risk Group Wells Fargo Bank, N.A. November 9, 2011

4. Baseline – Delivering Disclosures and Signing Agreements – The Record Management Cycle Secure Communication Record Management Responsibility Generate Deliver Store Manage Destroy Record Life Cycle Propagate Data Track Record Versions Extract & Index Data Create Audit Trails & Reports Secure and Consistent Record Management Active Data Processes Access Controls Quality & Integrity Controls Record Destruction Business Continuity Key Systems Issues Boilerplate Docs Transaction-specific Docs Audit Trails for Enrollment, Delivery/Signing Screen Shots & Process Flows Primary Record Categories Search and Report Capabilities Company Policies and Guidelines Record Management Audit Trails & Reports

6. Delivering Records and Obtaining Signatures – General Signature Strategy on a Mobile Device Offline Or Online? Assure all signature elements addressed – Intent, Attribution, Authority Present record in full-screen display, Using a series of screens, if necessary Email for retention or obtain agreement and provide online retention copy Get Consent Present Document Obtain Signature Deliver Retention Copy