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To: Benny Baga who wrote (4503)	5/24/1998 9:02:00 AM
From: Brian K Crawford	Read Replies (1) of 8545

<<Wouldn't this Visa deal be going the other direction, less ACH transactions?>> Benny, yes it is less ACH (which is a specified short message format, all electronic, clearing thru the FED) but it is not moving the other direction. Instead, it is moving to the other big settlement channel, VISA e-pay (which is a short message format, all electronic, settling thru VISA). As with so many things CF is doing, the HUGE and historic impact is real, but will take a while to show up in earnings. The leadership position grows stronger and the lead lengthens. So we wait. Brian

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