Worldpay RBS Worldpay Beware of hidden $495 early cancel fee hidden in fine print Atlanta, Georgia

We were with RBS Worldpay for 7 years, then added payment processing via internet which required a new account (or so we were told by broker).  3 year term and early cancel fee was not on contract, just a reference to "standard" Terms & Conditions that were attached (nothing was attached). 

As a small fitness club that processed monthly EFT's, we were required to have customers initial the length of term and the early cancel fee...shouldn't a huge company like Worldpay have to play by the same rules?  The broker that handled our account is long gone and so is $495.