Barry quotes bank email: "This Access Code Device (ACD) will not have any speech facilities. Any customers that are not able to use the ACD device will be able to continue to use memorable information to log on with. When using our Internet Banking service you will be covered under our Online Fraud Guarantee as long as you've been careful, for example, by taking reasonable steps to keep your security information safe. This guarantee would apply to your accounts regardless of the above method you were logging on with." So there you are it's what I expected an opt out, and so no problems for the blind! Everyone now happy? Regards, Derek e-mail: derek.hornby_uk@xxxxxxxxxxxxxxx ** To leave the list, click on the immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=unsubscribe] ** If this link doesn't work then send a message to: ** access-uk-request@xxxxxxxxxxxxx ** and in the Subject line type ** unsubscribe ** For other list commands such as vacation mode, click on the ** immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=faq] ** or send a message, to ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq