What kind of bank is that?
Normal banks don't allow any modification to their contracts, and you can't print the contract yourself. Then a scanned document doesn't look like an original... I just guess Russian banks have lower standards than in the Western world.
it is fraud to alter a contract AFTER signing and try claiming it as the original, and yea banks don't like/allow changes to contracts. but anything wrote on the paper that is THEN signed as being fully read, understood and binding.. becomes a contract.. so the banks should have re-read the contract or refused to sign the 'copy' version. making it their own fault.
it is also helpful to customers when these 'contracts' are initially called credit 'agreements' meaning that there has to be some negotiation or agreement on BOTH parts. and not just a one sided 'policy'.
and these days scanned documents can look exactly like the original. after all its only text. its not like its a photograph. im not sure what 600dpi scanner you still run, but these days with high res' scanners and even scan-to text (ocr) software like the free bundled abbyy software most scanner come with, can make a perfect duplicate of a document.
things have come along way from the days of photocopiers that leave a border line down one side.
