I think they compared the first signature to the second and saw that they were too similar. They wanted the sequence 1. Download PDF 2. Print PDF, 3. Find pen, 4. Use pen to scribble name on paper, 5. Scan paper to PDF, 6. Upload PDF.

Without diving into too much minutiae, a legal signature can be any mark the signer intends to act as a signature. It could be a bird you've trained to poo on command onto signature lines.

In my case, this instance with Schwab was the first of a lot of similar paperwork I was going to have to do, so I pulled the ripcord when I saw how they were going to approach it.

Bunch of places want it to "look like" you've printed the page, then signed it, then scanned it. If it doesn't "look like" that, they won't accept it. Makes no sense, but I've also encountered it a bunch of times myself too.