[Jerseee]

Logos,

If you do not use the code, you are the agent. But if you use the code, you can protect your due process rights and also, the terms of the contract are not disclosed.

HB,

The banks put that there for a reason. One was to hide it from you and second was folks were doing it before so, the banks thought that they would do it for them. How thoughtful of them huh? (I read the second statement somewhere in a book--can't remember the name of it)