(AS AUTOMATICALLY CONVERTED BY GOOGLE OCR ENGINE) i) The cheque should be completed in all respects including amount of the

cheque, payee name and signature/ LHTI / RHTI duly identified before issue itself. ii) It should be made clear to the lending financial institutions that bank is in no way responsible for the repayment of the loan and identification] verification of the signature/ LHTI/ RHTI should in no way to be construed as guaranteeing the financial liability. iii) This is not a blanket permission for issue of cheque books to such customers. Issue of cheques may be considered on selective basis subject to the above conditions. iv) In order to provide various banking facilities to the Visually Impaired Persons, it is decided that: v) Visually impaired persons be allowed to open an account with cheque book facility (cheques to be crossed at the time of issue) with an undertaking by the account holder that the cheque book be issued at hie} her own risk. On the request of the account holder-,the branch should issue the cheques in the name of the specified payee to make periodic payments for the retail loans, utility bills, etc. At the time of issuing of cheque books, thumb impression of the account holder should be duly affixed and authenticated by the bank official. vi) For cash withdrawals, the visually impaired person should personally present himself / herself before the branch official who will facilitate filling up the cheque / withdrawal slips. vii) The facility of operating the Lockers be also allowed to the visually impaired account holders without insisting on the joint account, as this may not be possible for those who are single or whose spouse is also visually impaired and children are minor. viii) ATM facility be also allowed on demand to the visually impaired customers as available to other customers. ix) Branches should also ensure that the ATMs, are accessible to other categories of persons with disabilities such as the wheelchair users.

7. 2. B. LUNATICS
(A) Under the provisions of the Indian Contract Act, 1872, contracts with persons of unsound mind are void. No banker would therefore, knowingly open an account in the name of person of unsound mind, as that would easily involve him in "the difficulty of choosing between the risk of dishonouring the customers cheques on the one hand and of being held to have debited his account without adequate authority on the other" (Heart's Law of Banking). (B) When a banker comes to know of his customer's lunacy, all operations of his account should be suspended until the receipt of an order of a Court of Law or definite proof of the customer's sanity is available. (C) There is however no bar to open an account in the name of a lunatic, represented by a guardian appointed by a Court of Law, in which case, a certified copy of the order of the Court of Law in that behalf should be on record and all directions of the Court of Law in the matter of operations on the account by the guardian have to be scrupulously followed (D) Any breach of such orders may land the banker in trouble. The guardian for a lunatic can be appointed by a Court of Law only and a lunatic has no natural guardian.

7. 2. 9. DRUNKARDS

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