FHLBank currently requires ALL original documents related to the note to be retained and to contain a “wet” signature. We understand that many members are using or exploring the use of digital record retention systems and electronic signatures to execute loan documents, and we agree the practices are generally accepted as legally binding. However, our concern relates to the transferability of the loan, specifically our ability to liquidate the asset, if needed, and the marketability of the loan to prospective buyers. Education, outreach and “moral-suasion” to move the FHLBs toward ultimately releasing a policy of eSignature acceptance.