ANSI X9 TR 4 : 2004(R2009)

How to Use SPeRS
Overview of UETA and ESIGN
Glossary
Section 1 - AUTHENTICATION AND AUTHORITY
  Standard 1-1: Identifying and Evaluating the Appropriate
                Authentication Strategy - Creating the
                Relationship
  Standard 1-2: Identifying and Evaluating the Appropriate
                Authentication Strategy - Credentials
  Standard 1-3: Providing Consumers Information Concerning the
                Distribution of Risk for Unauthorized
                Transactions
  Standard 1-4: Establishing the Authority of Representatives
Section 2 - CONSENT TO USE ELECTRONIC RECORDS AND SIGNATURES
  Standard 2-1: General Agreement to Use Electronic Records
                and Signatures
  Standard 2-2: Applicability of the ESIGN Consumer Consent
                Process
  Standard 2-3: The ESIGN Consumer Consent Disclosures
  Standard 2-4: The ESIGN Consumer Consent Disclosures - Format
                And Timing
  Standard 2-5: Obtaining the Consumer's Affirmative Consent -
                Methods and Timing
  Standard 2-6: Reasonable Demonstration of Access
Section 3 - AGREEMENTS, NOTICES AND DISCLOSURES
  Standard 3-1: General Principles for Display and Presentation
                of Information
  Standard 3-2: Delivering and Displaying Records and Information
  Standard 3-3: Delivering And Displaying Records And Information
                - Retention Of Records By Other Transaction
                Participants
  Standard 3-4: Indicating Agreement
  Standard 3-5: Acknowledging Access or Delivery
  Standard 3-6: Conspicuous Disclosure
  Standard 3-7: Using Hyperlinks and Other Navigational Cues
Section 4 - ELECTRONIC SIGNATURES
  Standard 4-1: Selecting a Signature Process
  Standard 4-2: Providing Information On The Signing Process
  Standard 4-3: Establishing the Intent to Sign
  Standard 4-4: Associating a Signature with a Record
  Standard 4-5: Attributing a Signature
  Standard 4-6: Electronic Agents
Section 5 - RECORD RETENTION
  Standard 5-1: Meeting Accuracy, Accessibility and Retention
                Requirements
  Standard 5-2: Verifying the Integrity and Accuracy of
                Electronic Records/The Physical and Logical
                Environment
  Standard 5-3: Verifying The Consistency and Integrity of
                Electronic Records
  Standard 5-4: Document Conversion
  Standard 5-5: Vendor Relationships
  Standard 5-6: Interaction with Governmental Agencies
  Standard 5-7: Transferable Records and Electronic Chattel Paper
Appendix A - SUMMARY OF SPeRS STANDARDS
Appendix B - SUMMARY OF SPeRS PRINCIPLES

Establishes a common understanding for consumers and businesses for any interstate and foreign commerce transaction in the use of signatures, contracts or other records in electronic form. Provides guidance for engaging in business to business and business to consumer transactions electronically. Focuses on five areas: Authentication; Obtaining Consent to do Business; Establishing Agreements Online, and Meeting Notice and Disclosures Requirements; Electronic Signatures; and Record Retention.