I have opened a saving account in your branch on dated: 30.12.2009, Branch Name, Slum & JJ wing, Vikas Kuteer, New Delhi-110002. Brach Manager has not formed a similar policy for all the costomer. He is issuing cheque book & ATM card directly to some customer and saying some customer to I send a letter to your residence and after receiving the letter we are issue the cheque book/ATM card. He does not very well know about the computer...