A contract of adhesion (also known as a “standard form contract” or “Boilerplate contract”) is a contract that is drawn up by one party (usually a company with more powerful bargaining power) and signed by another party (usually a party with lower bargaining power, normally a consumer who needs goods or services). The second party is generally not empowered to negotiate or modify the terms of the contract. Accession contracts are often used for matters relating to insurance, leasing contracts, documents, mortgages, car purchases and other forms of consumer credit. An act of loyalty is used when a natural or legal person becomes a shareholder of a company (by buying new shares or acquiring existing shares) for which there is already a shareholders` agreement. .