Contracts of Adhesion   are one in which one of the contracting parties imposes a ready-made form of contract which the other party may accept or reject, but cannot modify. One party prepares the stipulation in the contract, while the other party merely affixes his signature or his "adhesion" thereto, giving no room for negotiation and depriving the latter of the opportunity to bargain on equal footing. ( Polotan,Sr. vs. Honorable CA, et al., 1988 ) Some Cases related thereto: Pilipino Telephone Corporation vs. Tecson Pilipinas Shell Petroleum Corporation vs. John Bordman Ltd. of Iloilo, Inc Citibank, N.A. (Formerly First National City Bank) vs. Modesta R. Sabeniano Citibank, N.A., et al. vs. M. R. Sabeniano Sps. Raul & Amalia Panlilio Vs. Citibank, N.A. Equitable PCI Bank vs. Ng Sheurig Ngor