Technically, no...but most FI's want a signature because of the legality of the document.
Thanks, do you feel that we place ourselves at risk by not having them signed? I've never seen a TIL without a sig line..and I've been in banking for many years.
I don't like to ask for sigs if not required, as it's one more item that can be picked up as an audit exception. But this seems alien to me.