SCS/SB 243 - This act provides that nothing in Chapter 408, RSMo, shall be construed to prohibit the sale of a deficiency waiver addendum, guaranteed asset protection, or a similar product purchased as part of a loan transaction with collateral and at the borrower's option, provided the cost of the product is disclosed in the loan contract. The act specifically provides that such waiver addendums or guaranteed asset protection products may also be sold in connection with certain consumer loans, second mortgage loans, and retail credit sales so long as such products are purchased as part of a loan transaction with collateral and at the borrower's option, provided the cost of the product is disclosed in the loan contract. STEPHEN WITTE