It would a fraudelant contract in the US. When you alter the text of contract in the US you must clearly highligh the alteration in the riginal text or as an admendment.
And the contract change is not considered valid unless it was overtly accepted by an employee with appropriate authority. A random low wage employee processing these kinds of forms would be presumed to not have that authority with the business.
So you are saying that bank actually doesn't agree to anything when it signs a contract with you if it doesn't delegate for that properly esteemed clerk?
