The loans are closed in our name. We send the E-TIL out from our bank. By our understanding, we should have something in place with the broker to be sure they are not going to charge any fees prior to us getting our E-TIL out. Our SVP lender went out to talk with the brokers but all we have are them saying they won't charge any fees prior to our E-TIL. Shouldn't we have something to CYA on our end?