Good afternoon-

We currently combine our TIS disclosure with our Rate and fee schedule. I was wondering if others out there in BOL land did this or if you:

1. Include it in your account agreements?
2. Have a separate disclosure?
3. Post it on your websites?

Any feedback would be helpful.

Option 2.

Option 2, and refer to it in TIL disclosure.

We currently have to hand the customer 4 different things to comprise the full "Truth In Savings Disclosure" - the TIS brochure, the fee schedule, a rate sheet, and a "handbook" that covers any number of topics.

I keep trying to get them combined - with the TIS stuff pulled out of the "handbook" - so the CSRs only have to hand them one disclosure when a new account is opened.

Then stuff that only has to be handed out once per customer could be left in the "handbook", and the "every time an account is opened" stuff could be in a smaller piece that would be cheaper to update as needed.

Everyone's got more important fish to fry, though, so it's never gotten on anyone's calendar to consider.

Separate disclosures means more to hand out, but lower printing costs when changes are made.

Option 2

Used a very nice [translate that into expensive to print, but had great curb appeal] "all in one" method at prior bank. As the cost to reprint due to changes became greater, the presentation of the booklet became more generic. Finally went to separate disclosures.

We now have separate TIS disclosures because we've switched to e-forms. Reg E, T & C and Privacy,etc are all separate. Fee schedule is also stand alone.

Option #2. We include an insert of our fee schedule into our disclosures.