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so over the last few years i've taken up about five minutes of your time before handing over to caroline bradley i hope this year caroline is working in hong kong for the commission so i'm afraid you've got me for the whole uh 20 minutes but thea and martin are here to answer questions as well um now to help things along um and because uh we have the banking community here and things are a bit gloomy i have included an intentional joke but it is a regulatory joke so i will repeat it if you miss it but um first i'm going to tell you what i'm going to talk about here we go so i'm going to start talking about the theme of the seminar this year which is corporate governance then i'm going to make what i think is a fairly novel argument about operational risk and why you may want to think about this risk type differently than you might at present then i'm going to talk about banking trends in guernsey then banking policy and supervision in guernsey and finally some divisional themes so let's start with corporate governance now the theme this year is the interaction of business culture to regulation and when i got that theme a few weeks ago i had to think hard about how i would relate that to banks in guernsey and the obvious answer for that was well let's talk about bank boards because i think we all agree that bank boards are pretty important uh when we're talking about business culture so that was fine and then i thought well what what what is relevant here i thought well one one issue is that we are subsidiary boards here in in the banking world we are not um main boards does that mean that subsidiary boards act differently from main boards and there's a good question i looked at the internet and there are very few studies done on this so it led me to think that perhaps we wouldn't have the same structure and composition of boards in guernsey for banks as we might generally or would we so i thought that might be a good reason uh to look the other reason i thought this would be an interesting topic would be we're always asking ourselves are we in line with international standards basel core principles and so on so i thought well let's do an analysis of the bank boards here to see how we compare in the hope that we are indeed and we can prove that we are in line with international standards so that's what the next few minutes is actually going to be about now i do recognize that once one talks about the composition of boards the inevitable uh elephant of the room appears and it's called diversity and this appeared yesterday in questions to the chairman and the managing and the director general um i'm not going to consider diversity what i'm interested in here is how we compare with other regimes you may think that's a good or a bad thing i leave it to you but i would like to comment on a practical level about diversity and what it means i find it quite helpful when we're talking about things to think about the root of the word so diversity comes from the verb divotere and what d'vater in latin means is to cause a change of direction and i think that's quite a helpful way of thinking it so when i have people from boards are wanting to be on boards in front of me i'm not really to be honest looking at whether they're male female or from mars what i'm thinking is can this person cause a change of direction and if the answer is yes then i'm very happy to see that person on the board that's just a personal view so inevitably i have gone to talk about some caveats before i show you what we found first of all in order to find comparators with guernsey my team had to sort of search the internet and they came up with all sorts of different sources and we list these at the end by the way spencer stewart was one the financial times another delight was another and unfortunately all these comparators took a slightly different view of what was right to look at so i'm afraid this isn't a streamlined approach it does move around a bit but i still think it gets the point across the other thing is that we only have 14 bank subsidiaries to look at in guernsey and one might say well that's not statistically valid and i i totally agree with you nevertheless 14 is a fair number i've also by the way included some local guernsey insurance companies here a because it enables me to talk about much the same thing in my insurance speech later today but but also because i think you might be interested in that local comparison um i'd also like to say that i have no regulatory hidden message here i am not saying for one moment that just because the average is shown you should be up at the average the whole point of this is just to get you to think about where your board is compared to the average so so don't read anything into this please so let's just together go through the next few slides and see what we've got so this one is taken from i think it's called spencer stewart and for some reason they've cheers in the uk footsie 150 which i must admit i've never heard of before but hey let's go with the flow so what do we got here um well the average size of the board it's quite it's bigger for the ftse 150 but it's about half the size here i'm not too bothered about that um you would expect subsidiary boards to be smaller than the main board the average five or six seven varies some i know have bigger boards some have smaller boards it all sort of works i think average size of uh uh absolute average age of ned's by the way ned for me is both the parental ned and the local ned i know some of you may have views on that but that's the way we approached it in terms of age well um being myself in the 50s they're obviously all in the prime of life um 42 to 49 59 i mean statistically uh you know we could argue a bit about that but yeah there are no 50s the average age of executives so these are the the execs are the neds well even more perhaps or again they're all in their 50s and the directors um uh that are ned scotch um that's pretty much the same across the board so on that more or less what you'd expect so let's keep going now this rather nice graph was from the financial times and this is looking right across the board for all other countries and the team have very kindly stuck in uh the guernsey subsidiary banks and the guernsey insurance companies um well the kinsey subsidiaries are right on so what i'm saying for the ned this is ned's sorry roughly uh the average is 56 and they tend to hang around for six years but gosh that's almost the same as the uk the currency insurers i won't talk about a lot i'll talk a bit more about them for the insurance it's quite interesting the russians are down at the bottom so in russia you're relatively long but you don't last very long do you use that in the united states you you hang around you're quite old you're lying around long time so you know we're where we're in the same area which um i think i'd take some comfort about so let's have a look at another one and see what you think of that uh this one gets a little bit more interesting so this one i think was taking delight so i don't know what the uk finances finance sector means but i i basically i think it means the city of london from a delights point of view um now if we we have this issue of women now of course the united kingdom government i think correct wrong is going for something like 25 to 30 uh of women on boards as a target uh the city of london is down at 12.3 um and let's see well where are we well we're a little bit below it but but you know the numbers here 14 subs only eight insurance firms they're not too far apart actually um so yeah okay we're we're a little fewer but generally online so the next one i find really quite interesting the ned's serving nine years or more now in the uk of course you know the financial reporting council nine year cut off and you're no longer independent um so that's got the uk finance sector down to about 11 now we're about double that interestingly in both areas and and i sort of asked myself well why is this and i think it's for two reasons i think is we do have people here who once they get appointed do do are around locally for a very long time is that something to do we haven't got enough skill set here perhaps we're too comfortable with them i don't know and sometimes occasionally it's there's a relationship forged with a parent that can go on i mean literally for generations um so i don't know perhaps you might want to to think about that one again statistically not not perfect but um an interesting number and the last one um i found really quite helpful for some reason i don't know why delights didn't put that but there we go um as you know we've been campaigning for several years for banks to have at least one ned in fact i think we made that a requirement i have to say some banks it was a bit of an uphill push but the average is now two which which i think is good because it's difficult for one person to stand out on the board i think if you've got two of you there as the local ned's or independent ned's are called local ned's that helps so i thought was that was quite helpful so almost finished now this was an interesting one cros by which i think uh i think again this was delight um or chief compliance officers however you want to call them uh i think um if you if i put this slide up in 2008 they probably would have you were probably whatever the uk number of less than 28.5 because generally cross did not get on bank boards in those days now that has changed a lot for reasons you all know um it hasn't really changed in guernsey um is that a good thing a bad thing i i leave it for you to consider don't forget you most of you will have a cro at the parental board uh oversighting you so but it's it's an interesting statistics we're lagging a bit there i have by the way talked about the 14 banks subsidiaries i'm aware that there are 13 branches i didn't want to leave you guys out either so we did look at um this for branches it's a bit more difficult because the the governing body can often be across the crown dependencies and it can be also the holding company level so it's a bit difficult to make these comparisons to be honest but but actually we found more or less that the branch governing bodies are broadly in the same space as the subsidiaries uh subject of course the fact they don't have to have directors the only difference was quite interesting that there are far more uh where women are really represented for branches as chief compliance officer there are a relative a lot of women in that space and interestingly i checked up the european banking authority in london did a report on diversity and came up with that exact point that across banks women are forging ahead in the compliance area rather than elsewhere and i think that seems to be the case here so um i think that's broadly what i wanted to say in corporate governance these slides are available take them as you will but i hope you found them interesting from my point of view i breathe a sigh of relief we're broadly i think in line with international norms there are slight differences here but nothing too uh material so um if i may i'd now like to go on to the other areas i identified in the synopsis and the first is operational uh risk so as you know the basel committee is due to change the way regulatory capital is assessed for operational risk so i guess you're now expecting me to talk about this but i'm not because i'd like to focus on what i think is far more important and far more broader and that is changes in the nature of operational risk now most people here spend a lot of time dealing with operational risk because there's a lot of about in guernsey banks probably more than credit and certainly market risk so i hope this is of some interest to you so when we had the global financial crisis it led to material losses in the market and create space but it also led to some really big losses around operational risk now i know pigeon holing losses due to one type of risk or another is not particularly meaningful so us mortgage cdo losses was this due to a failure to measure credit risk um or operational risk i mean who cares it's it happened but it does seem uh undeniable that operational risk mismanagement was at the heart of several types of losses for example financial crime fines libor and fx rigging ppi interest rate sales and so on now i'd like to suggest that operational losses should lead us to change the way we think about this risk type and before the crisis we used to think about operational risk as in the first place mostly being a minor threat with the exception of rogue trading for example the i.t system might fail due to the leading to the atms going out of action for a day or a bank might have too many check frauds or bcp processes failed when they were called on yeah it's all not good stuff but you know everyone survives and life moves on but since the crisis the scale of operational losses and in many cases billions of dollars and you all know what i'm talking about has changed the perception of operational risk so in banking terms a failure to manage operational risk can now be life-threatening it may be technology or the treatment of customers or market behavior or documentation or even cross-border risk management another notable feature of these losses that they have trouble several banks all at the same time now before the crisis banks tended to look at say a rogue trading event at one bank and say well it went there but it won't happen here and generally they were right but in recent times all these operation losses have hit the whole banking sector at once i think the ubiquities of the these operational losses mean that these events have been driven by common factors libel fx rigging fines have been driven by a loss of confidence and the ability of banks to act objectively financial crime fines have been driven by societies disappointment that the banks have failed to effectively police the legal perimeters and rogue trading has been made possible by the increased complexity and speed of trading i'm sure you can think of lots of other examples i think this trend suggests that operational risk events have become less idiosyncratic than before instead they are triggered by wider trends around society as a whole therefore in the same way that we look for a down downward slide in the economy to signal credit loss events so we should perhaps start to consider wider societal trends as an indicator of changes in the level of operational risk so we may need to think more as economists or sociologists when considering the next operational risk threat well this all sounds very theoretical but let me give you a practical example which i think is sitting there so it may do be that due to low interest rates the equity markets are currently in a price battle and clearly andy sloane thinks that now eventually this bubble yeah it's going to burst at that point some wealthy clients will claim that they were missiled equity related products by their wealth management banks are going to resist this but unless their documentation is sound they will be vulnerable so seeing this economic trend the action for banks might be check your advice documentation process now or suffer later and there are other examples of this type of thinking for example equity release for an aging and possibly impoverished population this mismanagement of power supplies in the uk leading to business shutdowns or increased sector exposure to cyber risk due to global technology changes now i'm sure you can come up with examples of your own the point i'm making is that this sort of wider thinking about operational risk is one that banks now need to engage in i'm sorry i've possibly gone on too long about this but but i think it's an important point for guernsey banks to think about at least because you do spend a lot of your time managing operational risk well i'd like to focus on the current health of the banking sector in guernsey it's it's undeniable um and i would be uh wrong to say anything else that business um is pretty tough here and the main reasons though have got nothing to do with guernsey you may take some comfort in that but i think the main reasons are as follows that we have a fa l in cross-border global trade and financial flows we're an international center we get hit by that we have seen the rise of a far more authentic global regulatory environment not least in the united kingdom as a response to the crisis cross-border flows are difficult from a banking point of view and a regulatory point of view to deal with and of course we still have low global interest rates and remember on our website i think something like 60 to 70 percent of bank profits in guernsey still come from the net interest rate margin now i don't think frankly until one of these factors changes uh times in guernsey are going to get appreciably better but we can but uh wait i i think in my my mind the guernsey banking sector is akin to some small but well-built ship it has met the biggest financial crisis of our lifetimes and it has inevitably found the going heavy but for the immediate future uh the adverse world winds are still blowing but the ship is still sea worthy and then and we are ready to move forward once the storm eventually dies down now in the meantime what can we do as the commission i think all we can do is to make sure that the ship is um up to date now how do we do that well we we do it by being good regulatory citizens so we attend the supervisory colleges we apply basel iii we undertake risk-based supervision and so on i'd also like to say to you that we have gone out of our way to explain the guernsey regulatory regime to other parties not least several uk depositors and just in case they might want to set up a bank here and we have internally considered at commissioner level our own risk appetite for banks with particular reference to brics so that if we do get an application we can respond very quickly and the commission has also been uh reviewing the prospect of chinese banks here through our hong kong office so i wanted to assure you that we're not as the commission hiding uh guernsey's light under a bushel but of course as i say the winds are still blowing against us and of course and we read again today there is the possibility of a new homegrown bank here i'm not going to talk about that i would say just three things there are issues there about the size of a home-grown bank frankly you're going to need a balance sheet of half a billion to a billion to make much difference to the local economy that's quite quite a size sizeable request and then around that they're issues of how do you make money in the current environment because we're all struggling but i would like to say that the commission's door is completely open and we are always ready to talk to anyone who wants to do so and we don't charge for that okay so i'd now if i may uh just go on to some policy issues well this year on basel three we finish implementing the new requirements around the quality and quantity of capital i'm glad to say that's now embedded i must say i i do feel quite proud of what i go to other regulators and say yeah we've done all that so we're now basel iii compliant for capital this year we're consulting on the new liquidity rules and i just wanted to linger on that for a moment not because i want to talk about the somewhat esoteric approach but how i think it reveals how we as a commission work with you so for example the the basel committee until recently had no liquidity rules although it did have some broad motherhood and apple pie guidelines i think after the global financial crisis which was to some extent a liquidity crisis the committee the basel committee said well that was a mistake and we better have some rules well fair enough so it issued the lcr and all the rest of it and you know what i mean so we as the commission we do feel obligated to implement these rules after all they are the collective wisdom of the g20 and of the basel committee so we started to look at these rules along with our other colleagues in the crown dependencies whereas meetings in gatwick and the crown dependency regulators realized the basel rules if applied without change would in effect outlaw up streaming now although many cd subsidiaries have changed their upstreaming business model we as regulators still believe that subject proper controls the upstreaming model remain valid in the particular circumstances of small ifcs such as the cds so collectively we decided to amend the basel rules to allow upstreaming subject to several safeguards we also when we looked at all these basel rules felt that they had more undertaking a behavioral analysis of deposits from fiduciaries well it's surprised not surprising basel committee is probably below the parrot from paraben for them so again we decided to take our own view although oddly enough the european commission decided to do the same thing so before issuing a consultative paper we also undertook an impact study to see how guernsey banks would be affected by these new liquidity rules so we also took to heart uh what the basel committee had said about its own rules namely that banks should have their own bespoke liquidity policies and these should be stress tested for good measure we have also decided to include our old mismatch liquidity rules in pillar two because we think they're actually still quite useful so well i won't go on about this but the point i'm trying to make here is that the commission is committed to implementing the basel rules and we do so as many of you know without granting ad hoc get out to jail cards for individual exceptions but we want to do so reasonably soon after their implementation but also we reserve the right to tweak the rules when we think it right and appropriate and to defend that in front of any oversight body that comes along and we'll only introduce these rules after we've thought them through and after we've done an impact analysis and worked with the industry to work out the implication so after this excitement of liquidity this year the bad news is that it looks like we won't have much basel iii work for at least the next year or so i hope i won't disappoint you because basel iii is still a bit stuck on the new parcel iii credit and operational risk rules and i reckon they won't get them out for a while and we don't want to follow that immediately so a bit of a breather i'm glad to say this year however in 27 um there are other themes from 2015 and 16 that we are inevitably going to be looking at one is uk ring fencing for guernsey on the other in so far we can help the resolution authority for the bailly which will be decided by the guernsey government these are both very theoretical remote things but they are important i think that we have in place so what does our routine supervisory work in guernsey um looked like for the last year i think it's taken two forms one is thematic and the other is firm based so this year we have undertaken one thematic that affects banks and this has been around the degree of accuracy with which banks complete their regulatory returns now we chose this topic uh because the jfsc had produced a document that was really very critical of jersey banks but it wasn't very clear to us how material that those criticisms were now i'm sure of course guernsey banks wouldn't necessarily follow the way jersey banks but there may be a similarity here and i think our view is the odd mistake in filling in regulatory returns is perfectly understandable and we all make them but we do expect banks to have in place effective system controls so together with some high level uh sign-off procedures uh mean that when senior management send in these returns to us we can be confident that they're accurate it may well be that a bank does not run itself according to the regulatory returns i entirely understand that and you may be using more risk sensitive approaches that's fine but from our point of view we've got to trust the returns not these for statutory reasons so this thematic is still going on i don't think it will report until q1 i'm crossing my fingers that it will say guernsey is better than another regime but let's see what happens but it is very important for us to get this right in terms of firm-based supervision the commission has continued with its routine supervision of banks through prison and there have been no particular surprises or themes uh this year but inevitably uh the usual themes appear right below oh no i'm so much the right one sorry yeah so the the the big ones are yes it's here governance outsourcing and people so those are the big themes governance um inevitably when we do find there are problems it inevitably almost never it goes back to the bad governance either at the board level or at the exco level and that's that's where we have to try to be most proactive outsourcing is not a huge issue i mean you all know this we're a big outsourcing regime but trying to get banks to control or at least oversight outsourcing i know it's difficult because a lot of the outsources is intra group and you have to take what you're given but it is something that we do need you to be strong on oversight and strong with contingency plans if you don't like what you see that's something we're talking to banks a lot about the last thing inevitably is what we talk about is is people usually it's the absence of the appropriate skill set in guernsey particularly around mlros and risk officers and so on there simply aren't enough to go around and that's a reality you know but it's something that we struggle with and talking to you as well so so what a 2017 so i'm going to stick my neck out here um and i'm going to tell you what i think might occur and might what might what not occur so um i don't know if you uh look at that thing called banana skins but it's quite helpful i think for the city of london so i'm going to call them banana skins and i'll talk about the banana skins that i think may pop up no surprise top of the list cyber crime um i i need hardly say that i think that is going to be a huge issue going forward particularly for private banks that hold significant amount of data about their private clients i know you would agree with that the second banana skin for the next year or so was potential misselling of wealth management products it's not because i think this is particularly prevalent in guernsey it's that i'm still doubtful that the documentation around the process is secure enough that was the result of a thematic we did last year and we're still having this that you do the right thing but you don't document it quite well enough to protect you as i say when the winds get get blowing in your direction the third and final by banana skin totally unoriginal i'm afraid is the mitigation of financial crime across banking groups um i think this has got hugely better but it's still something that we are seeing i think we're now moving into a world where money can many countries simply will not accept the banks that materially fail in this area should continue to be licensed and that's a global thing i don't think it's we're not talking about that here but we we don't want in any case a guernsey bank to full file um of a regulator here or to have um customers and clients from another uh country where that country feels aggrieved because we have taken them well i said i'd stick my neck out so i'm going to tell you the areas where i think i have fewer concerns i may be completely wrong and you can form your own opinion but i'm i'm a bit more comforted on these areas one is i think guernsey banks have always lent into central london residential market and do so with low ltvs and usually using collateral lending into the london commercial market is more risky but the exposure from guernsey banks is pretty limited guernsey banks have a very low risk appetite for lower grade interbank or sovereign exposure particularly after the crisis parental exposure yes it's still out there for the upstreamers but it's unlikely to be a sectoral issue in the near future saving the repute of a repeat of a total meltdown as we had in 2008 although there still may be individual sovereign problems so so there you have my forecast i hope you're not taking notes because if i'm proven wrong next year i hope you won't tell me how wrong i was well i'd just like finally talk about divisional themes if i may i apologize for being inward looking but i think it's quite interesting so we have 16 people in the division covers insurance as well it also covers supervision and policy now it's a pretty diverse portfolio and you may think that we do lose something in terms of specialization and certainly when you do we meet you and you bring up a subject matter expert we may not be as expert as you but on the other hand there are numerous gains to be had in terms of cross-sectoral thinking and simply being joined up within the commission and as companies give way to branches i think the conduct of business issues that we talk about in our division more and more will become more prominent so one area that we still struggle with you to be absolutely frank is multi-licensed supervision for example a guernsey bank might well have a poi license and a sister trust company in guernsey now we take a portfolio approach to bank supervision but this does not mean that we supervise the fund and fiduciary licensees in in the banking division this means we have to theirs internally to ensure that we have a joint approach to each bank i think we're getting much better at this but we don't to be frank always succeed and added and that's something for us to think about an added complication in the channel ions is that a bank group can be spread out across due to jurisdictions well i can't think of an easy solution to solving this other than abolishing the jfsc great that was the joke so to finish in 2016 we are also doing our be good regulator role so we had a week-long visit from the central bank of the seychelles to talk about offshore banking and we have supported i think in a very material way the development of regulation in nevis courtesy of funding from the british commonwealth so there we go so what i talked about well i've looked at some aspects of corporate governance for guernsey food for thought perhaps i've then considered operational risk you may agree me or not but i hope it's raisins thinking for you and i then talked about issues relating specifically to the guernsey banking sector including policy i've then talked about some local supervisory issues and the division so i hope you found this of interest and thank you for listening so if you have any questions on my speech liam martin will be happy to answer them as as will i as i wrote the line thank you

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How to digitally sign docs in Gmail How to digitally sign docs in Gmail

How to digitally sign docs in Gmail

Gmail is probably the most popular mail service utilized by millions of people all across the world. Most likely, you and your clients also use it for personal and business communication. However, the question on a lot of people’s minds is: how can I how to industry sign banking hawaii presentation simple a document that was emailed to me in Gmail? Something amazing has happened that is changing the way business is done. airSlate SignNow and Google have created an impactful add on that lets you how to industry sign banking hawaii presentation simple, edit, set signing orders and much more without leaving your inbox.

Boost your workflow with a revolutionary Gmail add on from airSlate SignNow:

  1. Find the airSlate SignNow extension for Gmail from the Chrome Web Store and install it.
  2. Go to your inbox and open the email that contains the attachment that needs signing.
  3. Click the airSlate SignNow icon found in the right-hand toolbar.
  4. Work on your document; edit it, add fillable fields and even sign it yourself.
  5. Click Done and email the executed document to the respective parties.

With helpful extensions, manipulations to how to industry sign banking hawaii presentation simple various forms are easy. The less time you spend switching browser windows, opening some profiles and scrolling through your internal data files searching for a doc is more time to you for other essential activities.

How to securely sign documents in a mobile browser How to securely sign documents in a mobile browser

How to securely sign documents in a mobile browser

Are you one of the business professionals who’ve decided to go 100% mobile in 2020? If yes, then you really need to make sure you have an effective solution for managing your document workflows from your phone, e.g., how to industry sign banking hawaii presentation simple, and edit forms in real time. airSlate SignNow has one of the most exciting tools for mobile users. A web-based application. how to industry sign banking hawaii presentation simple instantly from anywhere.

How to securely sign documents in a mobile browser

  1. Create an airSlate SignNow profile or log in using any web browser on your smartphone or tablet.
  2. Upload a document from the cloud or internal storage.
  3. Fill out and sign the sample.
  4. Tap Done.
  5. Do anything you need right from your account.

airSlate SignNow takes pride in protecting customer data. Be confident that anything you upload to your account is protected with industry-leading encryption. Auto logging out will shield your information from unwanted entry. how to industry sign banking hawaii presentation simple from your phone or your friend’s phone. Safety is key to our success and yours to mobile workflows.

How to sign a PDF file on an iPhone or iPad How to sign a PDF file on an iPhone or iPad

How to sign a PDF file on an iPhone or iPad

The iPhone and iPad are powerful gadgets that allow you to work not only from the office but from anywhere in the world. For example, you can finalize and sign documents or how to industry sign banking hawaii presentation simple directly on your phone or tablet at the office, at home or even on the beach. iOS offers native features like the Markup tool, though it’s limiting and doesn’t have any automation. Though the airSlate SignNow application for Apple is packed with everything you need for upgrading your document workflow. how to industry sign banking hawaii presentation simple, fill out and sign forms on your phone in minutes.

How to sign a PDF on an iPhone

  1. Go to the AppStore, find the airSlate SignNow app and download it.
  2. Open the application, log in or create a profile.
  3. Select + to upload a document from your device or import it from the cloud.
  4. Fill out the sample and create your electronic signature.
  5. Click Done to finish the editing and signing session.

When you have this application installed, you don't need to upload a file each time you get it for signing. Just open the document on your iPhone, click the Share icon and select the Sign with airSlate SignNow option. Your sample will be opened in the app. how to industry sign banking hawaii presentation simple anything. Additionally, using one service for your document management needs, things are quicker, smoother and cheaper Download the app today!

How to electronically sign a PDF file on an Android How to electronically sign a PDF file on an Android

How to electronically sign a PDF file on an Android

What’s the number one rule for handling document workflows in 2020? Avoid paper chaos. Get rid of the printers, scanners and bundlers curriers. All of it! Take a new approach and manage, how to industry sign banking hawaii presentation simple, and organize your records 100% paperless and 100% mobile. You only need three things; a phone/tablet, internet connection and the airSlate SignNow app for Android. Using the app, create, how to industry sign banking hawaii presentation simple and execute documents right from your smartphone or tablet.

How to sign a PDF on an Android

  1. In the Google Play Market, search for and install the airSlate SignNow application.
  2. Open the program and log into your account or make one if you don’t have one already.
  3. Upload a document from the cloud or your device.
  4. Click on the opened document and start working on it. Edit it, add fillable fields and signature fields.
  5. Once you’ve finished, click Done and send the document to the other parties involved or download it to the cloud or your device.

airSlate SignNow allows you to sign documents and manage tasks like how to industry sign banking hawaii presentation simple with ease. In addition, the safety of your data is top priority. File encryption and private web servers can be used as implementing the newest features in information compliance measures. Get the airSlate SignNow mobile experience and work more efficiently.

Trusted esignature solution— what our customers are saying

Explore how the airSlate SignNow eSignature platform helps businesses succeed. Hear from real users and what they like most about electronic signing.

This service is really great! It has helped...
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anonymous

This service is really great! It has helped us enormously by ensuring we are fully covered in our agreements. We are on a 100% for collecting on our jobs, from a previous 60-70%. I recommend this to everyone.

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I've been using airSlate SignNow for years (since it...
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Susan S

I've been using airSlate SignNow for years (since it was CudaSign). I started using airSlate SignNow for real estate as it was easier for my clients to use. I now use it in my business for employement and onboarding docs.

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Everything has been great, really easy to incorporate...
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Liam R

Everything has been great, really easy to incorporate into my business. And the clients who have used your software so far have said it is very easy to complete the necessary signatures.

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Frequently asked questions

Learn everything you need to know to use airSlate SignNow eSignatures like a pro.

How do i add an electronic signature to a word document?

When a client enters information (such as a password) into the online form on , the information is encrypted so the client cannot see it. An authorized representative for the client, called a "Doe Representative," must enter the information into the "Signature" field to complete the signature.

How to sign pdf on window?

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How do you sign a pdf date?

I've seen lots of people ask that question and the answer is, it all depends on what you want to do. You could have a pdf signed off on by two different people, but you could also have a signed pdf signed off by a single person. I have found that for some clients who want the same outcome as an autograph, a second sign is a no brainer. You will never get an autograph from the same person twice. However, I am not convinced that signing a PDF makes a difference in the amount of work put in. You will be able to see that the two are different signatures by the quality of the printing and by the quality of the ink. Some clients who are interested in getting a signed signature will say that the signature they prefer does not have an ink signature on it, so why bother. The only difference between the two is if you are a first time client or an existing client. So the only difference I can see is if the signed document has an ink signature. The good news about signed pdfs is that the signatures are still available as a separate document after the signed pdf is done. I think it was an idea from a friend of mine, a lawyer who is a great signing artist, but he suggested using a different type of ink for the signatures than what a signature ink would normally be. I don't think it is a good idea for most clients to have two signatures on the same pdf document because there is going to be a slight difference. For a client who has never signed anything, this is fine, but I think...