,YR ,P]SONAL ,& ,3FID5TIAL ,9=MA;N ,9 ,BRL3 ,:AT ,GOES ,ON ,2H ,! ,SC5ES ,TO ,MAKE ,X ,HAPP58 ,J5 ,G\LD5 ,QUAL;Y ,ASSUR.E ,SPECIALI/ ,CRAW=D ,TE*NOLOGIES ,9C4 ,PRESID5T ,BRL ,LIT]ACY ,CANADA ,YR ,P]SONAL ,& ,3FID5TIAL ,9=MA;N ,9 ,BRL3 ,:AT ,GOES ,ON ,2H ,! ,SC5ES ,TO ,MAKE ,X ,HAPP58 ,9TRODUC;N ,S9CE ! 9V5;N ( BRL NE>LY #BJJ YE>S AGO "! H BE5 _M *ANGES TO ! WAY 9 : X IS PRODUC$4 ,ALL ( ^! ME?ODS H "O ?+ 9 COMMON ,- !Y ALL REQUIRE "S =M ( MANUAL 9T]V5;N BY ! TRANSCRIB]4 ,H["E1 ? IS N ! CASE = ! TRANSCRIP;N ( TRANSAC;NAL MAT]IAL4 ,9 ? PAP] ,I W EXAM9E ! PROCESSES & *ALL5GES 9VOLV$ 9 TRANSCRIB+ P]SONAL & 3FID5TIAL 9=MA;N S* Z BANK+ & CR$IT C>D /ATE;TS1 TELEPH"O BILLS & 9=MA;N P]TA9+ TO F9ANCIAL 9VE/;TS & H1L? 9SUR.E4 ,I W DEF9E RELEVANT T]MS " & !N ADDRESS ! ISSUES 9VOLV$ 9 TRANSCRIB+ HI< VOLUMES ( P]SONAL & 3FID5TIAL " 9=MA;N )9 TI.D ! _W "<( #A : ,I W PROVIDE "S EXAMPLES">1 M & M ( \R P]SONAL & 3FID5TIAL 9=MA;N W 2 MADE AVAILABLE 9 BRL4 ,"!=E1 X IS IMPORTANT = BRL US]S TO "U/& ! PROCESSES 9VOLV$ 9 3V]T+ ? K9D ( 9=MA;N 9TO BRL4 ,) ^! ISSUES 9 M9D ,I W 4CUSS ! NE$ = =MALIZ$ GUIDEL9ES TO 5SURE 3SI/5CY AM;G/ ORGANIZA;NS :O PRODUCE A3ESSIBLE TRANSAC;NAL DOCU;TS4 ,Z ? IS A RELATIVELY NEW ASPECT ( BRL TRANSCRIP;N1 S* GUIDEL9ES D N CURR5TLY EXI/4 ,H["E1 ,BRL ,LIT]ACY ,CANADA "<,,BLC"> HAS E/ABLI%$ A COMMITTEE TO DEVELOP GUIDEL9ES = ! TRANSCRIP;N & PRODUC;N ( TRANSAC;NAL MAT]IAL1 & ,I W 9CLUDE AN OV]VIEW ( ! TOPICS ADDRESS$ 9 ^! GUIDEL9ES4 ,! TRANSCRIP;N ( P]SONAL & 3FID5TIAL 9=MA;N A6ECTS ANY"O :O HAS A BANK A3.T1 A CR$IT C>D OR A CELL PH"O & WANTS TO A3ESS _! BILLS & /ATE;TS 9 BRL4 ,SETT+ ,! ,/AGE3 ,LEGISLA;N ,?ANK;LLY = ^? ( U :O USE BRL & O!R ALT]NATE =MATS1 _M C.TRIES H 5ACT$ #B LEGISLA;N RELAT$ TO DOCU;T A3ESSIBIL;Y4 ,"S EXAMPLES >E Z FOLL[S3 _4 ,CANADA3 ,A3ESSIBIL;Y = ,ONT>IANS ) ,4ABILITIES ,ACT "<,,AODA"> _4 ,UNIT$ ,/ATES3 ,AM]ICANS ) ,4ABILITIES ,ACT "<,,ADA"> _4 ,UNIT$ ,K+DOM3 ,EQUAL;Y ,ACT _4 ,AU/RALIA3 ,4ABIL;Y 4CRIM9A;N ,ACT "<,,DDA"> ,S"EAL O!R C.TRIES H ALR ADOPT$ SIMIL> LEGISLA;N1 OR >E 9 ! PROCESS ( DO+ S4 ,! RESULT IS T M & M ORGANIZA;NS >E R1LIZ+ T !Y NE$ TO MAKE DOCU;T A3ESSIBIL;Y A PRIOR;Y4 ,= M DETAIL$ 9=MA;N ON ? TYPE ( LEGISLA;N PL1SE SEE ! 8,REF];ES0 SEC;N AT ! 5D ( ? PAP]4 ,:AT ,IS ,TRANSAC;NAL ,MAT]IAL8 ,? T]M REF]S TO 9=MA;N T Y WD RCV 9 A BANK+ OR CR$IT C>D /ATE;T1 A PH"O BILL OR 9SUR.E DOCU;TA;N4 ,TRANSAC;NAL MAT]IAL IS P]SONAL & 3FID5TIAL 9 #C NATURE4 ,X V>IES F 9DIVIDUAL TO 9DIVIDUAL & F /ATE;T TO /ATE;T4 ,"H >E "S ISSUES TO 3SID]3 _4 ,PRIVACY3 ,IF Y DON'T RCV ? 9=MA;N 9 AN A3ESSIBLE =MAT Y MAY H TO ASK A FR OR FAMILY MEMB] TO R1D X TO Y4 ,3SEQU;ES RANGE F RELATIVELY M9OR " TO MAJOR "<"S"O Y ?"\ Y CD TRU/ GA9S A3ESS TO YR P]SONAL BANK+ 9=MA;N1 RESULT+ 9 FRAUD">4 _4 ,"TLI;S3 ,IF YR PH"O BILL M/ 2 PD ON ! #AETH & Y DON'T RCV X UNTIL ! #AHTH Y WD 2 P5ALIZ$ = LATE PAY;T ( YR BILL4 _4 ,LEVEL ( DETAIL3 ,? IS ! K9D ( 9=MA;N ": AN EXTRA Z]O OR AN 9CORRECT DECIMAL PO9T C MAKE A HUGE DI6];E1 :E!R X P]TA9S TO YR BAL.E [+ OR A REFUND TO : Y >E 5TITL$4 _4 ,S]VICE ,LEVEL ,AGREE;TS & ,TURN>.D "TS3 ,TRANSAC;NAL DOCU;TS >E PRODUC$ 9 HI< VOLUMES ) V TI.D "TS1 (T5 )9 #BD TO #DH H\RS ( RECEIPT ( ! ORIG9AL FILES4 #D _4 ,SECUR;Y3 ,F9ANCIAL 9/ITU;NS1 Z WELL Z TELECOMMUNICA;NS & 9SUR.E COMPANIES1 >E GOV]N$ BY LEGISLA;N PROTECT+ ! P]SONAL & 3FID5TIAL 9=MA;N ( _! CLI5TS4 ,PRODUC]S ( TRANSAC;NAL DOCU;TS 9 A3ESSIBLE =MATS M/ AD"H TO ! SAME REGULA;NS4 ,9 A S5SE ^! PRODUC]S 2COME ! 5T;Y = :OM !Y PROVIDE TRANSCRIP;N S]VICES4 ,PL1SE SEE ! 8,REF];ES0 SEC;N AT ! 5D ( ? PAP] = A LI/ ( P]T95T LEGISLA;N4 ,3V5;NAL ,PR9T ,/ATE;TS ,! 3V5;NAL PR9T V].N ( YR /ATE;T OR BILL IS N DESIGN$ ) DOCU;T A3ESSIBIL;Y 9 M9D4 ,! 9=MA;N IS PRES5T$ 9 A COLUMN> =MAT1 & X PROBABLY 3TA9S MIX$ FONTS1 COL\RS & %AD+4 ,PIE *>TS1 GRAPHS & IMAGES >E (T5 US$ TO 3VEY TRANSAC;NAL 9=MA;N & M>KET+ MESSAGES4 ,AN "U/&+ ( ! PROCESS = COMPIL+ 3V5;NAL PR9T /ATE;TS IS HELP;L :5 EXAM9+ ! *ALL5GES ( BRL TRANSCRIP;N ( ^! DOCU;TS4 #E _4 ,TRANSAC;NAL 9=MA;N ON GDS & S]VICES PUR*AS$ IS CAPTUR$ "?\T ! MON?4 _4 ,9=MA;N IS !N SUMM>IZ$ & DETAILS >E M]G$ 9TO A =M4 _4 ,SPECIAL MESSAG+ IS ADD$ "4 _4 ,T]MS & 3DI;NS TAILOR$ TO ! PRODUCT = : ! BILL OR /ATE;T IS PROVID$4 _4 ,M>KET+ MESSAGES >E ADD$4 _4 ,HI<-SPE$ PR9T]S R5D] & PR9T ^! /ATE;TS = MILLIONS ( CU/OM]S DAILY4 _4 ,SPECIAL 9S]TS SPECIFIC TO YR PR(ILE OR YR DEMOGRAPHIC >E ADD$4 _4 ,^! /ATE;TS >E !N 9DUCT$ 9TO ! MAIL SY/EM = DELIV]Y4 ,? PROCESS 5SURES T ! 5D US] GETS 8 OR H] [N 9=MA;N & N "S"O ELSE'S4 ,FUR!RMORE1 S9CE ! :OLE PROCESS IS AUTOMAT$ ! POT5TIAL = ]ROR IS DRA/ICALLY R$UC$4 #F ,MANUAL ,V]SUS ,AUTOMAT$ ,TRANSCRIP;N ,2F 4CUSS+ ! *ALL5GES ( PRODUC+ 3V5;NAL PR9T /ATE;TS 9 BRL1 X IS IMPORTANT TO "U/& :AT IS M1NT BY MANUAL & AUTOMAT$ TRANSCRIP;N4 ,NORMALLY :5 WE ?9K ( MANUAL TRANSCRIP;N ! SLATE & /YLUS OR A ,P]K9S BRLR WD COME TO M9D4 ,H["E1 MANUAL TRANSCRIP;N AL 9CLUDES S(TW>E S* Z ! ,DUXBURY ,BRL ,TRANSLATOR & ,BRL #BJJJ4 ,! R1SON = ? IS T EV5 ?\< A PROGRAM L ,DUXBURY DOES _M ?+S AUTOMATICALLY1 9T]V5;N BY A TRANSCRIB] IS / REQUIR$4 ,? IS N A DRAWBACK 9 ANY WAY4 ,X ALL[S = A GRT D1L ( PRECI.N :5 3V]T+ PR9T 9TO BRL1 : IS AN 9VALUABLE F1TURE ( ^! PROGRAMS4 ,MANUAL TRANSCRIP;N IS BE/ SUIT$ TO /ATIC MAT]IAL1 : C 2 ANY?+ F A TEXTBOOK TO A RE/AURANT M5U4 ,BRO*URES1 TRA9 S*$ULES & US] MANUALS WD AL FALL 9TO ? CATEGORY4 ,/ATIC DOCU;TS D N 3TA9 P]SONAL & 3FID5TIAL 9=MA;N S* Z T : IS F.D 9 TRANSAC;NAL MAT]IAL1 NOR DOES #G ! 3T5T *ANGE ON A REGUL> BASIS4 ,H["E1 !Y C 2 V "T-3SUM+ ,- & "!=E EXP5SIVE ,- TO PRODUCE4 ,"?\T ! TRANSCRIP;N ( /ATIC DOCU;TS ! TRANSCRIB] HAS A C]TA9 AM.T ( 3TROL OV] ! 3T5T4 ,AUTOMAT$ TRANSCRIP;N1 ON ! O!R H&1 IS A*IEV$ BY M1NS ( AN APPLICA;N DEVELOP$ SPECIFICALLY = A GIV5 BR& & /ATE;T TYPE4 ,! AUTOMAT$ SY/EM EXTRACTS ! TEXT & APPLIES BRL RULES BAS$ ON ! LANGUAGE ( ! DOCU;T & :E!R 3TRACT$ OR UNCONTRACT$ BRL IS REQUIR$4 ,9 ? WAY A L>GE NUMB] ( /ATE;TS C 2 TRANSCRIB$ SIMULTANE\SLY1 SAV+ BO? CO/ & "T4 ,! APPLICA;N 3V]TS EA* FILE ) NO HUMAN 9T]V5;N4 ,^! APPLICA;NS C AL 3V]T /ATE;TS TO A3ESSIBLE ,,PDF1 L>GE PR9T1 AUDIO & ;E-TEXT4 ,Z ) 3V5;NAL PR9T /ATE;TS1 ! AUTOMA;N ( ! PROCESS GRTLY R$UCES ! POT5TIAL = HUMAN ]ROR4 ,:AT ,DOES ,ALL ,( ,? ,M1N ,= ,BRL ,/ATE;TS8 ,TO 2G9 )1 "! IS NO C]TIFI$ #H TRANSCRIB] MAK+ MODIFICA;NS TO YR /ATE;T4 ,2C ( ?1 ! BRL \TPUT IS DICTAT$ BY ! 9PUT RCVD & ! AUTOMAT$ TOOL 3V]T+ ! ORIG9AL 9TO BRL4 ,P]H ! MO/ PRACTICAL WAY TO ILLU/RATE ? IS 9 ! CASE ( TRUNCAT$ 9=MA;N4 ,:5 ! 3V5;NAL PR9T /ATE;T IS G5]AT$ ! TRANSAC;NAL DETAILS >E 5T]$ 9TO FIELDS ) PR$ET]M9$ "* L5G?S4 ,? IS :Y1 :5 Y MAKE AN ONL9E PUR*ASE Y W 2 TOLD H[ ! SELL] W APPE> ON YR /ATE;T4 ,O!RWISE1 Y MI Z ,NEWYO & ,%OPP]'S ,DRUG,M>T Z ,%OPP$RUG4 ,? C RESULT N ONLY 9 ODD MISSPELL+S B AL 9 IMP]FECT USE ( BRL 3TRAC;NS4 ,ANO!R EXAMPLE IS T PUNCTUA;N & SYMBOLS ,- S* Z ! DOLL> SIGN OR A/]ISK ,- >E N ALW PROP]LY SPAC$4 ,ANY"O :O IS FAMILI> ) BRL RECOGNIZES T "! >E 3TEXTS ": CODE OR =MATT+ RULES REQUIRE HUMAN OR MANUAL 9T]V5;N 9 ORD] TO 2 APPLI$ CORRECTLY4 ,9 ! AUTOMAT$ TRANSCRIP;N PROCESS ? 9T]V5;N IS N POSSIBLE4 ,I AM N REF]R+ "H TO ]RORS T L1D TO AMBIGU;Y ( 3T5T4 ,ANY?+ T #I A6ECTS ! R1DABIL;Y ( ! 9=MA;N M/ 2 RESOLV$ 9 ! APPLICA;N BY ! DEVELOP]S4 ,ANO!R 3SEQU;E ( ! AUTOMAT$ PROCESS IS T IF ! ORIG9AL DOCU;T IS 3VOLUT$ & DI6ICULT TO FOLL[1 ! BRL V].N W 2 ! SAME4 ,TRANSAC;NAL ,DOCU;T ,GUIDEL9ES ,AUTOMAT$ TRANSCRIP;N & ! PROVI.N ( TRANSAC;NAL DOCU;TS 9 BRL >E BO? RELATIVELY NEW DEVELOP;TS4 ,Z A RESULT1 "! >E CURR5TLY NO GUIDEL9ES = PRODUC]S TO FOLL[ T SPECIFICALLY ADDRESS ! *ALL5GES ( TRANSCRIB+ ? K9D ( 9=MA;N4 ,"O R1SON ? IS PROBLEMATIC IS T X L1DS TO 9CONSI/5CY4 ,) NO =MALIZ$ GUID.E AVAILABLE1 PRODUC]S M/ MAKE _! [N DECI.NS :5 H&L+ ISSUES UNIQUE TO AUTOMAT$ TRANSCRIP;N4 ,?1 9 TURN1 M1NS T PRODUC]S D N NECESS>ILY H A ME*ANISM !Y C USE TO DEF5D _! DECI.NS4 ,NOR D CU/OM]S H A RELEVANT /&>D ) : !Y C EXPECT PRODUC]S TO COMPLY4 ,? IS N TO SAY T TRANSAC;NAL MAT]IAL N[ 2+ #AJ PRODUC$ IS N ( GD QUAL;Y1 B "! IS ROOM = IMPROVE;T4 ,A SET ( =MALIZ$ GUIDEL9ES WD 2 A POSITIVE /EP = ? FIELD ( BRL TRANSCRIP;N4 ,BRL ,LIT]ACY ,CANADA "<,,BLC"> HAS "UTAK5 ? TASK & HAS E/ABLI%$ A COMMITTEE TO DEVELOP TRANSAC;NAL DOCU;T GUIDEL9ES4 ,! F9AL DRAFT HAS BE5 S5T TO \R ,BRL ,=MATS ,COMMITTEE = REVIEW & ONCE APPROV$ W 2 =W>D$ TO \R ,BO>D ( ,DIRECTORS = ANO!R REVIEW PROCESS4 ,WE >E HOP+ T ? DOCU;T W 2 APPROV$ BY \R MEMB]%IP AT ! ,,BLC ,ANNUAL ,G5]AL ,MEET+ 9 ,MAY ( ? YE>4 ,! FOLL[+ TOPICS >E ADDRESS$ 9 ! GUIDEL9ES3 _4 ,PLACE;T ( ,T]MS & ,3DI;NS2 _4 ,TRUNCAT$ TEXT2 _4 ,*EQUE IMAGES1 PIE *>TS & ANY O!R VISUAL 9=MA;N T IS DI6ICULT TO 3V]T 9TO BRL2 _4 ,REMITT.E V\*]S2 _4 ,PR9T$ 9=MA;N T MAY 2 9CLUD$ = ID5TIFICA;N PURPOSES2 #AA _4 ,=EIGN-LANGUAGE ^WS 9 AN ,5GLI% 3TEXT2 & _4 ,B9D+ V]SUS /APL+ ( EMBOSS$ /ATE;TS4 ,? IS BY NO M1NS AN EXHAU/IVE LI/ ( ! ISSUES COV]$ 9 ^! GUIDEL9ES1 B X GIVES AN IDEA ( ! DECI.NS T PRODUC]S >E REQUIR$ TO MAKE :5 IMPLE;T+ AUTOMAT$ TRANSCRIP;N4 ,TRANSAC;NAL ,MAT]IAL ,& ,UNIFI$ ,5GLI% ,BRL "<,,UEB"> ,I CD N PRES5T A PAP] TO ! ,G5]AL ,ASSEMBLY ( ! ,9T]NA;NAL ,C\NCIL ON ,5GLI% ,BRL )\T 4CUSS+ ! IMPACT ( ,,UEB ON TRANSAC;NAL MAT]IAL4 ,AN 9ITIAL 9VE/;T IS REQUIR$ ,- ! AUTOMAT$ 3V].N TOOL M/ 2 UPDAT$ TO A3.T = ! *ANGES 2+ IMPLE;T$ 9 ,,UEB4 ,ONCE ! TOOL HAS BE5 UPDAT$1 ! "O-TO-"O CORRELA;N ( PR9T TO BRL SYMBOLS %D L1D TO IMPROVE;TS 9 BRL \TPUT4 #AB ,3CLU.N ,TE*NOLOGY IS 9DE$ *ANG+ ! WAY WE A3ESS BRL1 B X IS AL *ANG+ ! WAY WE PRODUCE X4 ,TRANSAC;NAL MAT]IAL IS MADE AVAILABLE 9 BRL BY M1NS ( AN AUTOMAT$ PROCESS : DOES N ALL[ = MANUAL 9T]V5;N BY A C]TIFI$ TRANSCRIB]4 ,Z BRL US]S WE %D 3T9UE TO H HI< /&>DS REG>D+ ! QUAL;Y ( ! BRL WE RCV1 B WE AL NE$ TO 2 AW>E ( ! UNIQUE *ALL5GES ( TRANSCRIB+ HI< VOLUME1 P]SONAL & 3FID5TIAL 9=MA;N )9 TIIANS ) 4ABILITIES ,ACT "<,,AODA"> HTTPS3_/_/WWW4" ONT>IO4CA_/LAWS_//ATUTE_/#JE;A#AA ,AM]ICANS ) ,4ABILITIES ,ACT "<,,ADA"> WWW4ADA4GOV ,,UK ,EQUAL;Y ,ACT HTTP3_/_/WWW4LEGISLA;N4GOV4UK_/ UKPGA_/#BJAJ_/#AE_/CONTENTS ,4ABIL;Y ,4CRIM9A;N ,ACT "<,,DDA"> HTTPS3_/_/WWW4COMLAW4GOV4AU_/,S]IES_/" ,C#BJJD,A#JDDBF ,SECUR;Y ,REGULA;NS _4 ,,PCI ,,DSS "<,PAY;T ,C>D ,9DU/RY ,DATA ,SECUR;Y ,/&>DS"> _4 ,,PIPEDA "<,P]SONAL ,9=MA;N ,PROTEC;N & ,ELECTRONIC ,DOCU;TS ,ACT _4 ,,HIPA "<,H1L? ,9=MA;N ,PROTEC;N ,ACT"> ,CANADA _4 ,,HIPAA "<,H1L? ,9SUR.E ,PORTABIL;Y & ,A3.TABIL;Y ,ACT"> ,UNIT$ ,/ATES #AD