Guy does to bank what banks usually do to other people

[Stonepounder]

41. Actually that wouldn't work.

This happened in Russia, not the USA. In the USA, the bank sends you an offer. The offer contains their terms and conditions. If you sign the offer and send it back, you have accepted the offer. If, on the other hand, you change their terms, you have rejected their offer and offered a counter offer. This can go on and on until either both parties agree to the terms, or one of the parties simply rejects the latest offer and does not counter.

The original offer can say 'no alterations to this contract allowed'. You strike out that clause put in your own modifications. You have rejected the original offer with the 'no alterations'' clause and made a counter. If a representative of the bank who is authorized to grant you credit then does so, chances are that a court would rule that the bank had accepted your counter offer and were bound by the offer they had accepted.

However, IANAL, and the above is based on the Business Law courses I took in college and the fact that my wife worked for several years as a contract negotiator for an international semiconductor company in Silicon Valley.