That's true, unsigned document has no validity. In that case it must be a pdf or a jpg file. I would rather sugget that both an image and a text file should be there for us to read the text and then print the image the document for use.
Best regards, Amiyo Biswas. Cell: +91-9433464329 ----- Original Message ----- From: "manoj gupta" <[EMAIL PROTECTED]> To: <accessindia@accessindia.org.in> Sent: Thursday, November 20, 2008 11:39 AM Subject: Re: [AI] New Banking Guidelines from I B A A good welcome news, but it must be ensured that the circular should be duly signed in, whenever they would be uploading it on websites, because the circular from RBI dtd. 4th June 2008, which I have downloaded from the RBI'S website i.e. www.rbi.org.in is surprisingly a unsigned copy which has no authenticity. ----- Original Message ----- From: "Xavier's Resource Centre for the Visually Challenged, St. Xavier'sCollege" <[EMAIL PROTECTED]> To: <accessindia@accessindia.org.in> Cc: <[EMAIL PROTECTED]> Sent: Wednesday, November 19, 2008 10:09 PM Subject: [AI] New Banking Guidelines from I B A Dear Fellow Access Indians, It gives us great pleasure to inform you that close on the heals of the RBI circular in June, The Xavier’s Resource Center for the Visually Challenged (XRCVC) had lobbied intensively with the Indian Banks Association (IBA) to come out with a set of inclusive guidelines for visually challenged bank account holders . They have just issued their circular which we are pasting below for your record. This circular shortly will also be available on the IBA and XRCVC websites. A big thank you to the IBA management and also to Kanchan Pamnani for all their help and work. Dr. Sam Taraporevala Director XRCVC IBA CIRCULAR No.CE/RB-1/vip/1766 November 18, 2008 The Chief Executives of all Member Banks Dear Sirs, Providing Banking Facilities to Visually Impaired Persons We refer to our circular No.CIR/RB/1230 dated February 4, 2006 enclosing procedural guidelines on the captioned subject. Subsequent to which, we have received several representations from visually impaired persons regarding the facilities and services being provided by banks and the ground level difficulties being faced by them. As you are aware, procedural guidelines were issued in the context of the order dated September 5, 2005 passed by the Court of Chief Commissioner for Persons with Disabilities, New Delhi regarding facilities to be provided to visually impaired persons. Following complaints from Visually Impaired Persons, the Commissioner for Persons with Disabilities had again issued an advisory to the Finance Ministry and the Reserve Bank of India (RBI) in May 2008 to take necessary steps to ensure that visually impaired persons are not denied normal banking facilities. Subsequently, the RBI, vide circular DBOD.No.Leg BC.91/09.07.005/2007-08 dated 4th June 2008 advised banks that all banks must render the same services to a visually impaired person as it would to any other person without discrimination. The Circular stated that the banks, must provide the visually impaired with every facility viz., cheque Book facility, ATM facility, net banking facility, locker facility, retail loans, credit cards etc. Following the above RBI circular, we had examined the need to revise the procedural guidelines issued in February 2006 in consultation with IBA Sub-committee on Customer Service and Customer Rights. We also had interactions with a Mumbai based voluntary organization working for the welfare of Impaired persons. The interactions indicated that technology innovation in the recent years had greatly empowered visually impaired persons in leading a normal life. Technology applications such as screen readers for computers and mobile phones, which are being used by the visually impaired persons for online/net banking, were demonstrated to us. Visually impaired persons can read and understand printed documents etc. by first scanning them and then getting them read out by the screen reader. -//- PAGE : 2 : Further, we have seen demonstration of finger print technology being developed by software firm which would enable banks to store thumb impression of visually impaired persons in place of signature in their system. Cheques authenticated by them with thumb impression can be scanned and the image compared with that stored in the system to honor the cheque. It is suggested that when this technology is fully developed and made available in the market, banks should consider integrating it with their core banking platform so that cheque book facility can be extended to a larger segment of visually impaired persons. Our attention was also drawn to the United Nations Convention on the Rights of Persons with Disabilities, which clearly commits to rights of persons with disability and their access to services. Article 9 of the Convention enables persons with disabilities to live independently and participate fully in all aspects of life and also gives them access to facilities and services open or provided to the public, both in urban and rural areas. Additionally, Article 12 states “ Parties shall take all appropriate and effective measures to ensure the equal right of persons with disabilities to own or inherit property, to control their own financial affairs and to have equal access to bank loans, mortgages and other forms of financial credit, and shall ensure that persons with disabilities are not arbitrarily deprived of their property." It is expected that the guidelines issued by the RBI would result in an increase in the number of ATM cards issued to visually impaired persons. This would enhance the case for installation of talking ATMs to facilitate hassle free operations by visually impaired persons. Banks are requested to consider installing talking ATMs wherever feasible. Keeping in view the above, we have revised the procedural guidelines for providing banking facilities to visually impaired persons, copy of which is enclosed. While finalizing the document the Sub-Committee took into consideration that request for ATM facilities, online banking facilities etc., would come only from visually impaired persons who are capable of using the applications. Members are requested to kindly consider the revised procedural guidelines and issue necessary instructions to the operating staff. Yours faithfully, K Unnikrishnan Dy. Chief Executive Encl:A/a PROCEDURAL GUIDELINES FOR BANKING FACILITIES TO VISUALLY IMPAIRED PERSONS I. General Instructions Banking facilities for visually impaired persons should be offered at all branches of the bank. Banks should not equate visually impaired customers with illiterate customers. All Banks must provide the same facilities to a visually impaired customer/prospective customer as it would to any other customer. But at the same time the customers should be made aware of the risk involved in some of these facilities which may be higher than that for a normal customer. Additional facilities like reading and filling up of forms, slips, cheques should be provided to a visually impaired customer, if required. Banks should not deny any services to visually impaired customers including visually impaired customers who use their thumb impression for operating the bank account. A visually impaired customer must not be forced to operate the bank account jointly with any person or in the presence of any person. Visually impaired customers may be allowed to appoint a person/persons as their Power of Attorney or Mandate Holder to operate their bank account if the visually impaired customer so desires. II. Opening of Bank Accounts All banking products offered by the bank should be made available to visually impaired persons. The bank must follow the same procedure for opening the account of a visually impaired person as it does for its other customers. He / She must be allowed to open the account either singly or jointly with others. The Bank must allow the visually impaired customer to open a joint account with anybody that he/she chooses including person(s) who is/are visually impaired. The Officer / Manager of the branch should read out the rules of business and other terms and conditions in the presence of a witness, if required by the customer. The bank branch manager must inform a visually impaired customer/prospective customer of his rights and liabilities before opening the account. The documentation requirements of a visually impaired customer must be the same as any other customer. The account has to be clearly marked as "the account holder is visually impaired". III. Withdrawal of cash / Cheque book facility Facilities for withdrawal of cash as are provided to all customers regarding cash payments must be provided to visually impaired customers. In case a visually impaired customer makes cash withdrawals at the bank then the payment must be made in the presence of another bank employee/officer. No outside witnesses are required unless the visually impaired customer requests that such witnesses be present. Operations should not be restricted to self-withdrawals. Cheque book facility should not be denied to visually impaired person. All procedures pertaining to the use of such cheque books by visually impaired customers must be in accordance with that the other customers. Cheques issued by visually impaired persons to third parties should be honoured, if otherwise in order. IV. Credit Cards /Debit Cards Visually impaired customers must be issued credit cards/debit cards on request. All rules and regulation regarding credit/debit card must be available on the web-site of the respective bank in accessible format. These should be read out to visually impaired persons and perceived risk factors explained to them. Banks may consider issuing Credit/Debit Card with Photograph. This Photograph will work as a identification/verification. V. ATM/Debit Cards Visually impaired customers must be permitted to avail of ATM facilities. Banks should also ensure that the ATMs are accessible to other categories of persons with disabilities such as the orthopedically disabled. VI. On Line Banking / Mobile Banking and Tele Banking/Phone Banking All banks must have Accessible websites and conform to international accessibility standards. All customer facing applications such as web applications, desktop applications and mobile applications should be accessible to visually impaired persons. The banks should have alternate methods of user authentication/password verification. All features especially those related to customer security must be accessible visually impaired persons. VII. Lockers Visually impaired customers should be provided with locker facility on request. Suitable lockers conveniently located for operations may be allotted. Bank procedures for issuing a locker to a visually impaired customer must be the same as to any other customer. A visually impaired customer may be given the following options for operation of locker: Operation – Singly Operation - Singly with the assistance of a reliable person, as per the choice of the Applicant. Operation - Jointly. A visually impaired customer may request the person in-charge of the locker to be present when the locker is opened or to check if nothing has been left behind or fallen after the locker is closed. VIII. Loans Loans must be made available to visually impaired customers as are offered to other customers and their impairment of vision should not be a criterion for sanctioning/denying a loan. No additional burden of interest payment, collateral and other terms should be imposed on the visually impaired customer. ********** _________________________________________________________________ Register once and play all contests. Increase your scores with bonus credits for logging in daily on MSN. http://specials.msn.co.in/msncontest/index.aspx To unsubscribe send a message to [EMAIL PROTECTED] with the subject unsubscribe. To change your subscription to digest mode or make any other changes, please visit the list home page at http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in To unsubscribe send a message to [EMAIL PROTECTED] with the subject unsubscribe. To change your subscription to digest mode or make any other changes, please visit the list home page at http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in To unsubscribe send a message to [EMAIL PROTECTED] with the subject unsubscribe. 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