MARY,YOU ARE NOT ALONE!!!
We have asked the very same question soooo many times that I have lost count. My husband became obsessive about it. Nobody gave us a definitive answer. (Before our court case )We wanted to have our presentation of the BG watertight so that there was no wriggling out of it by the bank. Even if they did/could tell us, the bank would probably dream up with some other elusive piece of documentation that we didn’t/couldn’t have!
I hope somebody will answer your question, if only to satisfy our curiousity. 😉