Anyone arguing that a document should be initialed on every page should have a pretty specfic reason for saying that; i.e. something more than a personal opinion. Moreover, the fact that you required them to initial every page presupposes that you are going to keep a copy of each contract. Right?
Banks use adhesion contracts; i.e. there is no negotiation, the customer can take it or leave it. Generally, they are enforceable after the customer signs that document or another document which incorporates it by reference and acknowledges he got a copy. If he didn't, all he has to say is "I don't know what it said, I never got a copy" and the judge will likely say there was no contract.
Your existing contract may give your bank a unilateral right to amend it in the future, but I doubt that it says you can change your agreement with the customer without at least giving them a copy and, perhaps, even a little bit of advance notice.
You'll talk to your attorney rather than let the tribe make the decision, but if you want to enforce it in court, give your customer a copy and keep records indicating what you sent them, to whom it was sent, and when it was sent.
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In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.