The difference is that this. 1 - The bank signed a copy then gave one to the customer to sign. If the customer changed the print at this point, it would no lon

The difference is that this. 1 - The bank signed a copy then gave one to the customer to sign. If the customer changed the print at this point, it would no longer be valid. 2 - What this guy did, the bank gave him a copy, he modified it, then signed it, then sent it back, to which the bank approved. Which is still technically valid.