RBI today allowed banks to offer all their products and services through their off-site ATMs. RBI said in a notification that banks are now free to offer all their products and services through ATM channels provided the technology permits the same and adequate checks are put in place to prevent the channel from being misused to perpetuate frauds on banks or other genuine customers. In June 2009 too, the central bank had relaxed norms and permitted lenders to install off-site ATMs at centres or places identified by them without its prior permission. In another notification, RBI said it has been decided to make the necessary changes in Memorandum of Instructions on Project and Service Exports (PEM). The changes have been necessitated as the 'Overseas Construction Council of India' (OCCI) has been renamed as 'Project Export Promotion Council' (PEPC). The changes were also required as civil construction contracts now include turnkey engineering contracts, process and engineering consultancy.