I love it. The bank gets treated like it treat people. This reminds me of a check I got in the mail about 20 years ago. It looked just like a IRS refund check, except for the fine print in the signature box, where it said that it was a bank loan. The bank did a good job making it look just like a govt. check. Remember the old radio adds that got outlawed because the disclaimer at the end was spoken so fast that nobody could understand it. I do not see how it could be fraud, they did not read the contract.