So just to recap and make sure i understand.
1. If filling out applications to bring back to open the account we need to give out TIS (BTW, we do not take an opening deposit)
2. For the applications that are being passed out where there is no response, we should give out at least product brochure(s) that contain features of the product(s)or if we want TIS.
3. So sounds like we need to give either the TIS or product brochures with features depending on whether we are opening the account or not.
Yes, you have it right. An opening deposit will possibly add to requirements depending upon regulator - OCC this is a mobile branch, others check state law.