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To: Benny Baga who wrote (7615)	9/16/1998 9:06:00 PM
From: p friend	Respond to of 8545

BillPayer 2000 seems to be just a fancy name for a scheduled ACH transfer originated by the receiving institution. Most every mortgage company and utility offers this payment method without a fancy name. Being originated and managed by the payee, it does not help consumers who want bill presentment or pay anyone payment.