The reason for this is simple. The discounts being provided to you cannot be made public. They are under a contract with us. Hence from the point of view of the Chief Revenue Officer of the bank, they do not like signing agreements with heavy discounts (think more than 60%) off their rack (published rates). We, on the other hand, have an exclusive contract with the financial institution and that is why we bill you monthly. Then, we pay the bank their share.