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Date: Tue, 1 Aug 2017 06:19:19 -0400 (EDT)
From: Mary Schaeffer <editorial_director@ap-now.com>
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    ACH: A Tip, A Resource and Unfortunately, Another Fraud Alert ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
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ACH: A Tip, A Resource and
Unfortunately, Another Fraud Alert
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Dear Kathleen
If you could reduce the:

* costs associated with making payments,
* number of items and dollar amount that had to be reported and remitted as unclaimed
property to the various states, and
* amount of non-value-add work in the accounts payable department
wouldn't you? Many readers will immediately realize I am talking about converting
check payments to ACH payments. Now, if you are reading this in a country outside
the US, this is not likely to be an issue for you. However, US companies and other
organizations that rely heavily on paper checks still have a long way to go on this
front.
Tip: Rush checks cost companies an exorbitant amount - both in terms of inefficiencies
in the process and cost, consider replacing Rush checks with ACH payments. As an
 added bonus, once a supplier has received a payment electronically and seen how
 easy it is, they are likely to get on board and sign up for your ACH payment program.
Resource: Given the prominence of this payment issue, we are especially pleased 
NACHA's Rob Unger has agreed to do our August Developing Issues webinar on Making
ACH Payments: A Best Practice Approach on August 16th. You can get information about
it here [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL14e2F6o9eTxWvPWQg1lOD0-lw4B_CibuCfecY6tqCjLj9CY7TKLi4Kf9eNm2Tv1ABIFfuJBd19_Yfuw58BEK631tWOhgGw0cbiEQBfOdFjrPC1TCIAtSeFxQRaLUMMf1RsQeLznmlX6oeR05p1f6sOY=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==].
It is included in our basic [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL12x6BM-hGEtR8NtevW58YZaI-0yWYISuUDk8jY9SjkartlSGLkgPYSnMrBxHDOgWdfD3va-X1NEalYyDlXjUQn5XPQFJDfeUCWNyMPyAHk0njuD4Az2Qbnh6KZb7lUgBKkOD5pw0c6SGxQvlgUH3qpM=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==],
webinar [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL1ySIufSY4Lx60-HoaWBFs0RLyROlyjhqn_pcS1U6Gubo6gcNif-lsiyoQ3Lw-fgbukg7iH029J64B008PW8RAddgSVGAErPkHauFqH9h38o96_Xe5B1muiLSZ29xz_MHgV7dDSiX-Pi7msbKClJThG0=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==]
and platinum [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL16utinfD7N87-6EvJL6Rqa7XS69FKPBER2sTE2_t7vDkCc29TNMqTuzt4_evoHJWkI6nXLhEsi1kM2pbrjexHV0umss2WfroY_K-RWVKjI11A3ZSAqy0HroMQXd_8hfGivLCYgRKOmtgkp_npuzl04Y=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==]
memberships
Fraud Alert: AP Now has warned in the past about fraudulent emails purporting to
 come from NACHA. In a recent alert, NACHA has informed the public that these incidents
are occurring with greater frequency and increased sophistication. Remember, NACHA
does not process nor otherwise touch the ACH transactions that flow via the ACH 
Network nor between financial institutions and their customers.
Perpetrators are conducting similar phishing attacks in which they are sending fraudulent
emails that claim to be from the Federal Reserve Bank, IRS, other federal agencies,
as well as commercial financial institutions, other payment organizations, technology
companies, and businesses.
You Make the Call: Did you have a chance to vote in last week's poll on Expense 
report fraud? You can see the story and access the poll here [http://campaign.r20.constantcontact.com/render?m=1101245055428&ca=956329e4-bc2a-4018-b342-b81e5a36fe75].
Department Review: This Week
Looking to review your AP operations but don't know where to start? Register for
 AP Now's Procure-to-Pay Best Practices e-Workshop on August 3rd  or the Anytime
 Viewing version available after August 4th. Get additional information about it
 or register here [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL18KFGcrrZd0epRUxc5PgkRIz9dWb6ej7lICwe4wCvwEBmshVcn2fpbhjThcVarrLQ6mnJ2Q72FPNYXgykUvydYERgtmjR460kHHuRqKAozCc4UtHHvk-AG1NN14y0vgLUHUR23aogpKTfloV6n6-6aY=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==].
Upcoming AP Now Webinars
(They are included in our webinar [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL1ySIufSY4Lx60-HoaWBFs0RLyROlyjhqn_pcS1U6Gubo6gcNif-lsiyoQ3Lw-fgbukg7iH029J64B008PW8RAddgSVGAErPkHauFqH9h38o96_Xe5B1muiLSZ29xz_MHgV7dDSiX-Pi7msbKClJThG0=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==]
and platinum  [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL14e9DjNMAXaJ9jrLDbaJhu2sPitRTZnyjogxEaLccI67VSdb5SHCFtdj3F5vklrJyF7KjQrBcI9DmXBeYiFrWh2mOvPMqJdB0QGIlo2q0Fspzzx5KsF3PDP4VAiRhfgL7xKnXpMq7d5g&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==]memberships.)

* Travel & Entertainment Shenanigans [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL12qy4wMy_EFRu0HdXkMrNI6HYgxkbJnG7C8wVnvlWER_eMG6w_WOcfnxwN5VBs436eo_hDCVAH-psaXsBs7Xjk4max1msIhvlMpqo-uX-6QVehjAUJm8SIxSzw0umLRG7am_bTdwWhG_32GHeeilgbE=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==]:
Games Employees Play and How to Stop Them August 9
* Developing Issues: Making ACH Payments [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL14e2F6o9eTxWvPWQg1lOD0-lw4B_CibuCfecY6tqCjLj9CY7TKLi4Kf9eNm2Tv1ABIFfuJBd19_Yfuw58BEK631tWOhgGw0cbiEQBfOdFjrPC1TCIAtSeFxQRaLUMMf1RsQeLznmlX6oeR05p1f6sOY=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==]:
A Best Practice Approach August 16
* Invoice Handling Problems [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL14e2F6o9eTxWq9pNDWS88sYZXR91jOc5k-Kp5O245stoPy4hC7W4DGxoPr8mb_bUMTIAusehduUFIpF9EbZjysJuO323Q8HQH4R6iPmBRMRvFMTJgBn2WV3JcajXNHyiKAG5RqLNd21qPtuoQ_w0hHM=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==]:
How Best Practice Organizations Address Them September 14
* B Notices [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL10cMb_lKcuImsoPK1wqt8XKQEBUH0Rz1rHAJLwn8Fxf1v1Cp_GZ7JsWegfd3gZyQsDg1-fXEeWoh67xBMGRny9DNbt18BwIVFZ0Ejj_zJtnRmOZuXf9qqDWRCORJt55GG3q5Hm46ORwHmH0Tzf1zaHg=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==]
September 19
* Expense Reimbursement Issues New and Old [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL14e2F6o9eTxWPtVVuK_3EfYIqK-Aqu_eCiNyQcXiV9lVC0FcnFlNNwSvXwymGS6edO60xCCE9W30ijV2XB5rlML9ONucK3daPXJ9KbA5aiHQcvx2-uuxKecQdjZhVjMFn6rmAx3ZyzASrwvABiYkNW4=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==]:
How Best Practice Organizations Address Them October 10
* Second October topic TBA
* 1099 Basics [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL122w1fNUoqlED4LgE4YGCknVO3PAaubbaqtY-TP1bF6nNQMZqaHhpTJx4b_6kBcx48OjjfOZ9sg3QX_lhFzBWfKcRRAsUwfgMm2BWyd1w-xgY0NfCLe3Wzxy6N_4yOGnrDXennxznyg1Ix_pbq-CQSg=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==]
November 9
* Developing Issues: T&E Policy Survey Results November 14
* Fraud Prevention Best Practices December 7
* Creating an Effective and Efficient Travel and Entertainment Expense Reimbursement
Policy [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL122w1fNUoqlE2QmEKCAqp2dRI-ol3xjV0jXqlqU1yulsLR8s0mNxYVZCQ7A8Q5dv8UOhiWoMFw-CIoWtUBNdHk8W1EHs9cvgohS5lx0mQbIYAiIbdIFpM4YWspBXNz7I9YSWBDqZ3gCBSoHt9oxBJoE=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==]
December 13
Other Upcoming Programs

* Procure-to-Pay Best Practices e-Workshop [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL18KFGcrrZd0epRUxc5PgkRIz9dWb6ej7lICwe4wCvwEBmshVcn2fpbhjThcVarrLQ6mnJ2Q72FPNYXgykUvydYERgtmjR460kHHuRqKAozCc4UtHHvk-AG1NN14y0vgLUHUR23aogpKTfloV6n6-6aY=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==]
is on August 3rd. Get additional information or register for it here [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL18KFGcrrZd0epRUxc5PgkRIz9dWb6ej7lICwe4wCvwEBmshVcn2fpbhjThcVarrLQ6mnJ2Q72FPNYXgykUvydYERgtmjR460kHHuRqKAozCc4UtHHvk-AG1NN14y0vgLUHUR23aogpKTfloV6n6-6aY=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==].
Workshop here [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL1562URHanq_MMALYT6nmwjuM3SIKCNH1rd0c7bh8IBE0BTcmIpwrFv0uk5V6Clwha_vCghYhhYuiOPBtlVEscF_9fosqDgak01OcCkdIf3Z5hjpSNhkPVQIvGBFB_0-hU6dsF15G_9qRkBaFUresK-o=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==].
* Accounts Payable Best Practice Certificate Program  [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL1xLoFfZ_3-e34aKXB-9LvWVj5BTLYIUEVt3ZRXpu2nWQmNZkaKB9_nAM9RKPb-xpPn-vnMeEzHIGQrIx1MUxP2VHjEDpEqhoLPofsHNkcHLeUfBb4S1ilqqlTxWGemVPEg5kv516tnm-XbIGD8Rg-_8=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==]-
a self-study, go-at-your-own-pace, take-the-exam-at-your-convenience program, with
no ongoing CPE requirements.

You can get the details about it here [http://r20.rs6.net/tn.jsp?f=0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL1xLoFfZ_3-e34aKXB-9LvWVj5BTLYIUEVt3ZRXpu2nWQmNZkaKB9_nAM9RKPb-xpPn-vnMeEzHIGQrIx1MUxP2VHjEDpEqhoLPofsHNkcHLeUfBb4S1ilqqlTxWGemVPEg5kv516tnm-XbIGD8Rg-_8=&c=kkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA==&ch=jcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw==].
Enroll your entire department; group rates available. Contact publisher@ap-now.com
for details.
*
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-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;">
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ng>
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serif';">
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;font-style:normal;text-align:center;" align=3D"center"><span style=3D"line=
-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;">
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;font-style:normal;text-align:center;" align=3D"center"><span style=3D"line=
-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;">
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-height:115%;font-family:Verdana, sans-serif;"><strong>
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sans-serif&quot;;">
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-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;"><stro=
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-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;"><stro=
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=3D"line-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;=
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;font-style:normal;text-align:center;" align=3D"center"><span style=3D"font=
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g><strong><strong><strong><strong><strong><b><span style=3D"line-height:115=
%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;"><strong>
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-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;"><stro=
ng>
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;font-style:normal;text-align:left;"><strong>
<div style=3D"text-align:center;" align=3D"center"><span style=3D"line-heig=
ht:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;">ACH: A Tip=
, A Resource and <br />Unfortunately, Another Fraud Alert</span><span style=
=3D"line-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;=
;">&nbsp;</span></div>
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imes-New-Roman;margin-top:0px;font-style:normal;text-align:left;">
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-family:'Verdana','sans-serif';">
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;font-style:normal;text-align:center;" align=3D"center"><span style=3D"font=
-family:'Verdana','sans-serif';">
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-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;">
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sans-serif&quot;;">
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oman;margin-top:0px;font-style:normal;text-align:center;" align=3D"center">=
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serif&quot;;">
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-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;">
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;font-style:normal;text-align:center;" align=3D"center"><span style=3D"line=
-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;">
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;font-style:normal;text-align:center;" align=3D"center"><span style=3D"line=
-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;">
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;font-style:normal;text-align:center;" align=3D"center"><span style=3D"line=
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;font-style:normal;text-align:center;" align=3D"center"><span style=3D"line=
-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;">
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;font-style:normal;text-align:center;" align=3D"center"><span style=3D"line=
-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;">
<div style=3D"font-weight:normal;font-family:Times-New-Roman;margin-top:0px=
;font-style:normal;text-align:center;" align=3D"center"><span style=3D"line=
-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;">
<div style=3D"font-weight:normal;font-family:Times-New-Roman;margin-top:0px=
;font-style:normal;text-align:center;" align=3D"center">&nbsp;   <img heigh=
t=3D"147" vspace=3D"5" border=3D"0" name=3D"ACCOUNT.IMAGE.37" hspace=3D"5" =
width=3D"300" src=3D"http://files.constantcontact.com/4c102576001/da26d5db-=
e7e5-4a0c-886a-10eb62a72d86.jpg"> &nbsp;</img></div>
<div style=3D"font-weight:normal;font-family:Times-New-Roman;margin-top:0px=
;font-style:normal;text-align:center;" align=3D"center"><span style=3D"line=
-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;">&nbsp=
;</span></div>
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</td></tr></table>       =20
                <table border=3D"0" width=3D"100%" cellpadding=3D"5" cellsp=
acing=3D"0" id=3D"content_LETTER.BLOCK3"><tr><td style=3D"color:#333333;fon=
t-size:10pt;font-family:Arial,Helvetica,sans-serif;" rowspan=3D"1" colspan=
=3D"1" align=3D"left"><strong>Dear Kathleen<br /></strong>
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0;font-style:normal;text-align:left;"><span style=3D"font-size:10.=
0pt;line-height:115%;font-family:'Verdana','sans-serif';">&nbsp; </span><sp=
an style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana','sans-s=
erif';">&nbsp;</span><span style=3D"font-size:10.0pt;line-height:115%;font-=
family:'Verdana','sans-serif';">&nbsp;
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0;font-style:normal;text-align:left;"><span style=3D"font-size:10.=
0pt;line-height:115%;font-family:'Verdana','sans-serif';">If you could redu=
ce the: </span></div>
<ul><li style=3D"color:#000000;"><span style=3D"font-size:10.0pt;line-heigh=
t:115%;font-family:'Verdana','sans-serif';">costs associated with making pa=
yments,</span></li><li style=3D"color:#000000;"><span style=3D"font-size:10=
.0pt;line-height:115%;font-family:'Verdana','sans-serif';">number of items =
and dollar amount that had to be reported and remitted as unclaimed propert=
y to the various states, and </span></li><li style=3D"color:#000000;"><span=
 style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana','sans-ser=
if';">amount of non-value-add work in the accounts payable department</span=
></li></ul>
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0;font-style:normal;text-align:left;"><span style=3D"font-size:10.=
0pt;line-height:115%;font-family:'Verdana','sans-serif';">wouldn't you? Man=
y readers will immediately realize I am talking about converting check paym=
ents to ACH payments. Now, if you are reading this in a country outside the=
 US, this is not likely to be an issue for you. However, US companies and o=
ther organizations that rely heavily on paper checks still have a long way =
to go on this front.<br /><br /></span></div>
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0;font-style:normal;text-align:left;"><span style=3D"color:#00b0f0=
;font-size:10.0pt;line-height:115%;font-family:'Verdana','sans-serif';"><b>=
Tip</b></span><span style=3D"font-size:10.0pt;line-height:115%;font-family:=
'Verdana','sans-serif';">: Rush checks cost companies an exorbitant amount =
- both in terms of inefficiencies in the process and cost, consider replaci=
ng Rush checks with ACH payments. As an added bonus, once a supplier has re=
ceived a payment electronically and seen how easy it is, they are likely to=
 get on board and sign up for your ACH payment program. </span></div>
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0;font-style:normal;text-align:left;"><span style=3D"color:#00b050=
;font-size:10.0pt;line-height:115%;font-family:'Verdana','sans-serif';"><b>=
<br />Resource</b></span><span style=3D"font-size:10.0pt;line-height:115%;f=
ont-family:'Verdana','sans-serif';">: Given the prominence of this payment =
issue, we are especially pleased NACHA's Rob Unger has agreed to do our Aug=
ust Developing Issues webinar on Making ACH Payments: A Best Practice Appro=
ach on August 16<sup>th</sup>. You can get information about it </span><a s=
hape=3D"rect" href=3D"http://r20.rs6.net/tn.jsp?f=3D0013pZSLsgHcp2FSOWrbTMh=
KDVUHfJEphFPoWRmwTGept-jo84iTfSL14e2F6o9eTxWvPWQg1lOD0-lw4B_CibuCfecY6tqCjL=
j9CY7TKLi4Kf9eNm2Tv1ABIFfuJBd19_Yfuw58BEK631tWOhgGw0cbiEQBfOdFjrPC1TCIAtSeF=
xQRaLUMMf1RsQeLznmlX6oeR05p1f6sOY=3D&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmi=
i61OJvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1Nuor=
uZbmitnzMaw=3D=3D" alt=3D"http://www.ap-now.com/products/item115.cfm" targe=
t=3D"_blank"><span style=3D"font-size:10.0pt;line-height:115%;font-family:'=
Verdana','sans-serif';">here</span></a><span style=3D"font-size:10.0pt;line=
-height:115%;font-family:'Verdana','sans-serif';">. </span><span style=3D"f=
ont-size:10.0pt;line-height:115%;font-family:'Verdana','sans-serif';">It is=
 included in our </span><a shape=3D"rect" href=3D"http://r20.rs6.net/tn.jsp=
?f=3D0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL12x6BM-hGEtR8Nt=
evW58YZaI-0yWYISuUDk8jY9SjkartlSGLkgPYSnMrBxHDOgWdfD3va-X1NEalYyDlXjUQn5XPQ=
FJDfeUCWNyMPyAHk0njuD4Az2Qbnh6KZb7lUgBKkOD5pw0c6SGxQvlgUH3qpM=3D&c=3DkkIx_B=
SbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8IhXazd7foE=
OgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw=3D=3D" alt=3D"http://www.ap-now.com=
/products/item58.cfm" target=3D"_blank"><span style=3D"font-size:10.0pt;lin=
e-height:115%;font-family:'Verdana','sans-serif';">basic</span></a><span st=
yle=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana','sans-serif'=
;">, </span><a shape=3D"rect" href=3D"http://r20.rs6.net/tn.jsp?f=3D0013pZS=
LsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL1ySIufSY4Lx60-HoaWBFs0RLyRO=
lyjhqn_pcS1U6Gubo6gcNif-lsiyoQ3Lw-fgbukg7iH029J64B008PW8RAddgSVGAErPkHauFqH=
9h38o96_Xe5B1muiLSZ29xz_MHgV7dDSiX-Pi7msbKClJThG0=3D&c=3DkkIx_BSbRsit5HjsS1=
NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qA=
x4Dsj89NMse1NuoruZbmitnzMaw=3D=3D" alt=3D"http://www.ap-now.com/products/it=
em10.cfm" target=3D"_blank"><span style=3D"color:blue;font-size:10.0pt;line=
-height:115%;font-family:'Verdana','sans-serif';">webinar</span></a><span s=
tyle=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana','sans-serif=
';"> and </span><a shape=3D"rect" href=3D"http://r20.rs6.net/tn.jsp?f=3D001=
3pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL16utinfD7N87-6EvJL6Rqa7=
XS69FKPBER2sTE2_t7vDkCc29TNMqTuzt4_evoHJWkI6nXLhEsi1kM2pbrjexHV0umss2WfroY_=
K-RWVKjI11A3ZSAqy0HroMQXd_8hfGivLCYgRKOmtgkp_npuzl04Y=3D&c=3DkkIx_BSbRsit5H=
jsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQa=
U3qAx4Dsj89NMse1NuoruZbmitnzMaw=3D=3D" alt=3D"http://www.ap-now.com/product=
s/item5.cfm" target=3D"_blank"><span style=3D"color:blue;font-size:10.0pt;l=
ine-height:115%;font-family:'Verdana','sans-serif';">platinum</span></a><sp=
an style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana','sans-s=
erif';"> memberships</span></div>
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0;font-style:normal;text-align:left;"><span style=3D"color:#cc00cc=
;font-size:10.0pt;line-height:115%;font-family:'Verdana','sans-serif';"><b>=
<br />Fraud Alert</b></span><span style=3D"font-size:10.0pt;line-height:115=
%;font-family:'Verdana','sans-serif';">: AP Now has warned in the past abou=
t fraudulent emails purporting to come from NACHA. In a recent alert, NACHA=
 has informed the public that these incidents are occurring with greater fr=
equency and increased sophistication. Remember, NACHA does not process nor =
otherwise touch the ACH transactions that flow via the ACH Network nor betw=
een financial institutions and their customers.</span></div>
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0;font-style:normal;text-align:left;"><span style=3D"font-size:10.=
0pt;line-height:115%;font-family:'Verdana','sans-serif';"><br />Perpetrator=
s are conducting similar phishing attacks in which they are sending fraudul=
ent emails that claim to be from the Federal Reserve Bank, IRS, other feder=
al agencies, as well as commercial financial institutions, other payment or=
ganizations, technology companies, and businesses.</span></div>
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0;font-style:normal;text-align:left;"><span style=3D"color:#7030a0=
;font-size:10.0pt;line-height:115%;font-family:'Verdana','sans-serif';"><b>=
<br />You Make the Call</b></span><span style=3D"font-size:10.0pt;line-heig=
ht:115%;font-family:'Verdana','sans-serif';">: Did you have a chance to vot=
e in last week's poll on Expense report fraud? You can see the story and ac=
cess the poll <a shape=3D"rect" href=3D"http://campaign.r20.constantcontact=
.com/render?m=3D1101245055428&ca=3D956329e4-bc2a-4018-b342-b81e5a36fe75" ta=
rget=3D"_blank">here</a>. </span></div>
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0;font-style:normal;text-align:left;">
<div><span style=3D"color:#7030a0;font-size:10.0pt;line-height:115%;font-fa=
mily:'Verdana','sans-serif';"><b><br /><div><span style=3D"color:#921c90;">=
Department Review: This Week</span>&nbsp;</div></b></span></div>
<span style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana','san=
s-serif';">Looking to review your AP operations but don't know where to sta=
rt? Register for AP Now's Procure-to-Pay Best Practices e-Workshop on Augus=
t 3<sup>rd</sup>&nbsp; or the Anytime Viewing version available after Augus=
t 4<sup>th</sup>. Get additional information about it or register <a shape=
=3D"rect" href=3D"http://r20.rs6.net/tn.jsp?f=3D0013pZSLsgHcp2FSOWrbTMhKDVU=
HfJEphFPoWRmwTGept-jo84iTfSL18KFGcrrZd0epRUxc5PgkRIz9dWb6ej7lICwe4wCvwEBmsh=
Vcn2fpbhjThcVarrLQ6mnJ2Q72FPNYXgykUvydYERgtmjR460kHHuRqKAozCc4UtHHvk-AG1NN1=
4y0vgLUHUR23aogpKTfloV6n6-6aY=3D&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61O=
JvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbm=
itnzMaw=3D=3D" alt=3D"http://www.ap-now.com/products/item107.cfm" target=3D=
"_blank">here</a>.</span></div>
</span>
<div><span style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana'=
,'sans-serif';">&nbsp;&nbsp;</span></div>
</div>
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0;font-style:normal;text-align:left;">
<div><span style=3D"color:#0067ce;font-size:10pt;font-family:&quot;Verdana&=
quot;,&quot;sans-serif&quot;;"><strong>Upcoming AP Now Webinars </strong></=
span><span style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana'=
,'sans-serif';">
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0;font-style:normal;text-align:left;">
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0;font-style:normal;text-align:left;"><span style=3D"color:#0067ce=
;font-size:10pt;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;"><s=
trong>
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0;font-style:normal;text-align:left;"><span style=3D"color:black;f=
ont-size:10.0pt;line-height:115%;font-family:'Verdana','sans-serif';">(They=
 are included in our </span><span style=3D"color:#0067ce;font-size:10.0pt;l=
ine-height:115%;font-family:'Verdana','sans-serif';"><a shape=3D"rect" href=
=3D"http://r20.rs6.net/tn.jsp?f=3D0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwT=
Gept-jo84iTfSL1ySIufSY4Lx60-HoaWBFs0RLyROlyjhqn_pcS1U6Gubo6gcNif-lsiyoQ3Lw-=
fgbukg7iH029J64B008PW8RAddgSVGAErPkHauFqH9h38o96_Xe5B1muiLSZ29xz_MHgV7dDSiX=
-Pi7msbKClJThG0=3D&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlW=
CA=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw=3D=3D"=
 alt=3D"http://www.ap-now.com/products/item10.cfm" target=3D"_blank"><span>=
webinar</span></a><span> and <a shape=3D"rect" href=3D"http://r20.rs6.net/t=
n.jsp?f=3D0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL14e9DjNMAX=
aJ9jrLDbaJhu2sPitRTZnyjogxEaLccI67VSdb5SHCFtdj3F5vklrJyF7KjQrBcI9DmXBeYiFrW=
h2mOvPMqJdB0QGIlo2q0Fspzzx5KsF3PDP4VAiRhfgL7xKnXpMq7d5g&c=3DkkIx_BSbRsit5Hj=
sS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU=
3qAx4Dsj89NMse1NuoruZbmitnzMaw=3D=3D" alt=3D"https://www.ap-now.com/public/=
5.cfm" target=3D"_blank">platinum </a></span><span style=3D"color:black;fon=
t-size:10.0pt;line-height:115%;font-family:'Verdana','sans-serif';">members=
hips.</span></span><span style=3D"font-size:10.0pt;line-height:115%;font-fa=
mily:'Verdana','sans-serif';">)</span></div>
</strong></span></div>
</div>
</span></div>
</div>
<div style=3D"color:#000000;font-weight:normal;font-family:Times-New-Roman;=
margin-top:0px;font-style:normal;text-align:left;">
<ul><li style=3D"color:#000000;"><span style=3D"font-size:10.0pt;line-heigh=
t:115%;font-family:'Verdana','sans-serif';"><a href=3D"http://r20.rs6.net/t=
n.jsp?f=3D0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL12qy4wMy_E=
FRu0HdXkMrNI6HYgxkbJnG7C8wVnvlWER_eMG6w_WOcfnxwN5VBs436eo_hDCVAH-psaXsBs7Xj=
k4max1msIhvlMpqo-uX-6QVehjAUJm8SIxSzw0umLRG7am_bTdwWhG_32GHeeilgbE=3D&c=3Dk=
kIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8IhXaz=
d7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw=3D=3D" shape=3D"rect" alt=3D"h=
ttp://www.ap-now.com/products/item40.cfm" target=3D"_blank">Travel & Entert=
ainment Shenanigans</a>: Games Employees Play and How to Stop Them August 9=
 </span></li><li style=3D"color:#000000;"><span style=3D"font-size:10.0pt;l=
ine-height:115%;font-family:'Verdana','sans-serif';"><a href=3D"http://r20.=
rs6.net/tn.jsp?f=3D0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL1=
4e2F6o9eTxWvPWQg1lOD0-lw4B_CibuCfecY6tqCjLj9CY7TKLi4Kf9eNm2Tv1ABIFfuJBd19_Y=
fuw58BEK631tWOhgGw0cbiEQBfOdFjrPC1TCIAtSeFxQRaLUMMf1RsQeLznmlX6oeR05p1f6sOY=
=3D&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA=3D=3D&ch=3Dj=
csr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw=3D=3D" shape=3D"rect"=
 alt=3D"http://www.ap-now.com/products/item115.cfm" target=3D"_blank">Devel=
oping Issues: Making ACH Payments</a>: A Best Practice Approach August 16 <=
/span></li><li style=3D"color:#000000;"><span style=3D"font-size:10.0pt;lin=
e-height:115%;font-family:'Verdana','sans-serif';"><a href=3D"http://r20.rs=
6.net/tn.jsp?f=3D0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL14e=
2F6o9eTxWq9pNDWS88sYZXR91jOc5k-Kp5O245stoPy4hC7W4DGxoPr8mb_bUMTIAusehduUFIp=
F9EbZjysJuO323Q8HQH4R6iPmBRMRvFMTJgBn2WV3JcajXNHyiKAG5RqLNd21qPtuoQ_w0hHM=
=3D&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA=3D=3D&ch=3Dj=
csr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw=3D=3D" shape=3D"rect"=
 alt=3D"http://www.ap-now.com/products/item117.cfm" target=3D"_blank">Invoi=
ce Handling Problems</a>: How Best Practice Organizations Address Them Sept=
ember 14 </span></li><li style=3D"color:#000000;"><span style=3D"font-size:=
10.0pt;line-height:115%;font-family:'Verdana','sans-serif';"><a href=3D"htt=
p://r20.rs6.net/tn.jsp?f=3D0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo=
84iTfSL10cMb_lKcuImsoPK1wqt8XKQEBUH0Rz1rHAJLwn8Fxf1v1Cp_GZ7JsWegfd3gZyQsDg1=
-fXEeWoh67xBMGRny9DNbt18BwIVFZ0Ejj_zJtnRmOZuXf9qqDWRCORJt55GG3q5Hm46ORwHmH0=
Tzf1zaHg=3D&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA=3D=
=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw=3D=3D" shap=
e=3D"rect" alt=3D"http://www.ap-now.com/products/item48.cfm" target=3D"_bla=
nk">B Notices</a> September 19</span></li><li style=3D"color:#000000;"><spa=
n style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana','sans-se=
rif';"><a href=3D"http://r20.rs6.net/tn.jsp?f=3D0013pZSLsgHcp2FSOWrbTMhKDVU=
HfJEphFPoWRmwTGept-jo84iTfSL14e2F6o9eTxWPtVVuK_3EfYIqK-Aqu_eCiNyQcXiV9lVC0F=
cnFlNNwSvXwymGS6edO60xCCE9W30ijV2XB5rlML9ONucK3daPXJ9KbA5aiHQcvx2-uuxKecQdj=
ZhVjMFn6rmAx3ZyzASrwvABiYkNW4=3D&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61O=
JvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbm=
itnzMaw=3D=3D" shape=3D"rect" alt=3D"http://www.ap-now.com/products/item116=
.cfm" target=3D"_blank">Expense Reimbursement Issues New and Old</a>: How B=
est Practice Organizations Address Them October 10</span></li><li style=3D"=
color:#000000;"><span style=3D"font-size:10.0pt;line-height:115%;font-famil=
y:'Verdana','sans-serif';">Second October topic TBA</span></li><li style=3D=
"color:#000000;"><span style=3D"font-size:10.0pt;line-height:115%;font-fami=
ly:'Verdana','sans-serif';"><a href=3D"http://r20.rs6.net/tn.jsp?f=3D0013pZ=
SLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL122w1fNUoqlED4LgE4YGCknVO3=
PAaubbaqtY-TP1bF6nNQMZqaHhpTJx4b_6kBcx48OjjfOZ9sg3QX_lhFzBWfKcRRAsUwfgMm2BW=
yd1w-xgY0NfCLe3Wzxy6N_4yOGnrDXennxznyg1Ix_pbq-CQSg=3D&c=3DkkIx_BSbRsit5HjsS=
1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3q=
Ax4Dsj89NMse1NuoruZbmitnzMaw=3D=3D" shape=3D"rect" alt=3D"http://www.ap-now=
.com/products/item61.cfm" target=3D"_blank">1099 Basics</a> November 9</spa=
n></li><li style=3D"color:#000000;"><span style=3D"font-size:10.0pt;line-he=
ight:115%;font-family:'Verdana','sans-serif';">Developing Issues: T&E Polic=
y Survey Results November 14</span></li><li style=3D"color:#000000;"><span =
style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana','sans-seri=
f';">Fraud Prevention Best Practices December 7</span></li><li style=3D"col=
or:#000000;"><span style=3D"font-size:10.0pt;line-height:115%;font-family:'=
Verdana','sans-serif';"><a href=3D"http://r20.rs6.net/tn.jsp?f=3D0013pZSLsg=
Hcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL122w1fNUoqlE2QmEKCAqp2dRI-ol3x=
jV0jXqlqU1yulsLR8s0mNxYVZCQ7A8Q5dv8UOhiWoMFw-CIoWtUBNdHk8W1EHs9cvgohS5lx0mQ=
bIYAiIbdIFpM4YWspBXNz7I9YSWBDqZ3gCBSoHt9oxBJoE=3D&c=3DkkIx_BSbRsit5HjsS1NSR=
8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qAx4D=
sj89NMse1NuoruZbmitnzMaw=3D=3D" shape=3D"rect" alt=3D"http://www.ap-now.com=
/products/item60.cfm" target=3D"_blank">Creating an Effective and Efficient=
 Travel and Entertainment Expense Reimbursement Policy</a> December 13</spa=
n></li></ul>
<div><span style=3D"color:blue !important;" track=3D"on" shape=3D"rect" hre=
f=3D"http://www.ap-now.com/products/item39.cfm" linktype=3D"1" target=3D"_b=
lank">
<div style=3D"margin-top:0px;margin-bottom:0px;"><span style=3D"color:#e614=
c6;font-size:10pt;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;;">=
<b>Other Upcoming Programs</b></span></div>
</span></div>
</div>
<ul><li style=3D"color:#333333;"><span style=3D"font-size:10.0pt;font-famil=
y:'Verdana','sans-serif';"><span style=3D"font-size:10.0pt;line-height:115%=
;font-family:'Verdana','sans-serif';"><strong><a style=3D"color:blue;text-d=
ecoration:underline;" track=3D"on" shape=3D"rect" href=3D"http://r20.rs6.ne=
t/tn.jsp?f=3D0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL18KFGcr=
rZd0epRUxc5PgkRIz9dWb6ej7lICwe4wCvwEBmshVcn2fpbhjThcVarrLQ6mnJ2Q72FPNYXgykU=
vydYERgtmjR460kHHuRqKAozCc4UtHHvk-AG1NN14y0vgLUHUR23aogpKTfloV6n6-6aY=3D&c=
=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8I=
hXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw=3D=3D" linktype=3D"1" alt=
=3D"http://www.ap-now.com/products/item107.cfm" target=3D"_blank">Procure-t=
o-Pay Best Practices e-Workshop</a></strong> is on August 3<sup>rd</sup>. G=
et additional information or register for it <a shape=3D"rect" href=3D"http=
://r20.rs6.net/tn.jsp?f=3D0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo8=
4iTfSL18KFGcrrZd0epRUxc5PgkRIz9dWb6ej7lICwe4wCvwEBmshVcn2fpbhjThcVarrLQ6mnJ=
2Q72FPNYXgykUvydYERgtmjR460kHHuRqKAozCc4UtHHvk-AG1NN14y0vgLUHUR23aogpKTfloV=
6n6-6aY=3D&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA=3D=3D=
&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw=3D=3D" alt=3D"=
http://www.ap-now.com/products/item107.cfm" target=3D"_blank">here</a>. </s=
pan>Workshop <a href=3D"http://r20.rs6.net/tn.jsp?f=3D0013pZSLsgHcp2FSOWrbT=
MhKDVUHfJEphFPoWRmwTGept-jo84iTfSL1562URHanq_MMALYT6nmwjuM3SIKCNH1rd0c7bh8I=
BE0BTcmIpwrFv0uk5V6Clwha_vCghYhhYuiOPBtlVEscF_9fosqDgak01OcCkdIf3Z5hjpSNhkP=
VQIvGBFB_0-hU6dsF15G_9qRkBaFUresK-o=3D&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hn=
mii61OJvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1Nu=
oruZbmitnzMaw=3D=3D" shape=3D"rect" alt=3D"http://www.ap-now.com/products/i=
tem91.cfm" target=3D"_blank">here</a>. </span></li><li style=3D"color:#3333=
33;"><span style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana'=
,'sans-serif';"><strong><a style=3D"color:blue;text-decoration:underline;" =
track=3D"on" shape=3D"rect" href=3D"http://r20.rs6.net/tn.jsp?f=3D0013pZSLs=
gHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL1xLoFfZ_3-e34aKXB-9LvWVj5BTLY=
IUEVt3ZRXpu2nWQmNZkaKB9_nAM9RKPb-xpPn-vnMeEzHIGQrIx1MUxP2VHjEDpEqhoLPofsHNk=
cHLeUfBb4S1ilqqlTxWGemVPEg5kv516tnm-XbIGD8Rg-_8=3D&c=3DkkIx_BSbRsit5HjsS1NS=
R8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qAx4=
Dsj89NMse1NuoruZbmitnzMaw=3D=3D" linktype=3D"1" alt=3D"http://www.ap-now.co=
m/products/item74.cfm" target=3D"_blank">Accounts Payable Best Practice Cer=
tificate Program </a></strong>- a self-study, go-at-your-own-pace, take-the=
-exam-at-your-convenience program, with no ongoing CPE requirements.
<div><span style=3D"color:black;font-size:10.0pt;line-height:115%;font-fami=
ly:'Verdana','sans-serif';">You can get the details about it <a href=3D"htt=
p://r20.rs6.net/tn.jsp?f=3D0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo=
84iTfSL1xLoFfZ_3-e34aKXB-9LvWVj5BTLYIUEVt3ZRXpu2nWQmNZkaKB9_nAM9RKPb-xpPn-v=
nMeEzHIGQrIx1MUxP2VHjEDpEqhoLPofsHNkcHLeUfBb4S1ilqqlTxWGemVPEg5kv516tnm-XbI=
GD8Rg-_8=3D&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA=3D=
=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw=3D=3D" shap=
e=3D"rect" alt=3D"http://www.ap-now.com/products/item74.cfm" target=3D"_bla=
nk">here</a>. <em>Enroll your entire department</em>; group rates available=
. Contact publisher@ap-now.com for details.</span></div>
</span></li><li style=3D"color:#000000;"><span style=3D"color:black;font-si=
ze:10pt;line-height:115%;font-family:&quot;Verdana&quot;,&quot;sans-serif&q=
uot;;">
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0;font-style:normal;text-align:left;"><span style=3D"font-size:10.=
0pt;line-height:115%;font-family:'Verdana','sans-serif';"><strong><a href=
=3D"http://r20.rs6.net/tn.jsp?f=3D0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwT=
Gept-jo84iTfSL14e2F6o9eTxWhQ3YCLH2V3Pqva6VScttUpN7KdMy1mcQmCT4-HE5Cj1gEtaGS=
KBANglIOwboxIbLojUgov_qWnDUwax3UEFkCmokPF87etYV7QmhfLcs6L1LNoEzSo6ZVK4yj7EZ=
6l1doaQ2oqjcIOvLbDUlgkyGGw=3D=3D&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61O=
JvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbm=
itnzMaw=3D=3D" shape=3D"rect" alt=3D"http://www.ap-now.com/products/1099-eW=
orkshops.cfm" target=3D"_blank">1099 e-Workshops</a></strong> October 26, D=
ecember 5 and Any Time Viewing after October 27 Reduced rates for webinar a=
nd platinum members; email <a href=3D"mailto:publisher@ap-now.com" shape=3D=
"rect" target=3D"_blank">publisher@ap-now.com</a> for details</span></div>
</span></li><li style=3D"color:#000000;">
<div><span style=3D"color:black;font-size:10pt;line-height:115%;font-family=
:&quot;Verdana&quot;,&quot;sans-serif&quot;;">
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0;font-style:normal;text-align:left;"><span style=3D"font-size:10.=
0pt;line-height:115%;font-family:'Verdana','sans-serif';"><strong><a href=
=3D"http://r20.rs6.net/tn.jsp?f=3D0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwT=
Gept-jo84iTfSL19pT2W_m0n3Jl2wnFLKdm0qEIlFGq3gWRLMW5-mshnTOf--SM6DsVtF5KbeQY=
gI1iS02aUqcVfWTz8tQnuVl-9YC4tsEIBIspv0846AtMUmliJgZxboXD0Au95EJDOBvJRdjRuYD=
4PMMw0pEsPiUwuM=3D&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlW=
CA=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw=3D=3D"=
 shape=3D"rect" alt=3D"http://www.ap-now.com/products/item95.cfm" target=3D=
"_blank">Form 1042-S and 1042 Reporting e-Workshop</a></strong> December 6 =
and Any Time Viewing after December 7 Reduced rates for webinar and platinu=
m members; email <a href=3D"mailto:publisher@ap-now.com" shape=3D"rect" tar=
get=3D"_blank">publisher@ap-now.com</a> for details</span></div>
</span></div>
</li></ul>
</td></tr></table>       =20
                =20
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top:6px;" border=3D"0" width=3D"100%" cellpadding=3D"5" cellspacing=3D"0" i=
d=3D"content_LETTER.BLOCK4"><tr><td class=3D"MainText" style=3D"color:#8989=
49;font-size:10pt;font-family:Arial,Helvetica,sans-serif;" rowspan=3D"1" co=
lspan=3D"1" align=3D"left">
<div><span style=3D"color:#333333;">Regards,</span> <br /></div>
<div style=3D"color:#004db4;"><span style=3D"font-family:Comic Sans MS,Verd=
ana,Helvetica,sans-serif;"><em>Mary Schaeffer</em></span><br /></div>
<div style=3D"color:#004db4;">
<div style=3D"font-family:Verdana,Geneva,Arial,Helvetica,sans-serif;">AP No=
w</div>
<div style=3D"color:black;font-weight:normal;font-family:Verdana,Geneva,Ari=
al,Helvetica,sans-serif;margin-top:0px;font-style:normal;text-align:left;">=
<span style=3D"color:#006666;"><b>Keeping up Just Got Easier</b></span><spa=
n>:</span></div>
<div style=3D"color:black;font-weight:normal;font-family:Verdana,Geneva,Ari=
al,Helvetica,sans-serif;margin-top:0px;font-style:normal;text-align:left;">=
<span style=3D"color:#993366;">AP Now Membership Options</span></div>
<ul><li style=3D"color:#004db4;"><span style=3D"font-size:10.0pt;font-famil=
y:'Arial','sans-serif';"><strong><a style=3D"color:blue;text-decoration:und=
erline;" track=3D"on" href=3D"http://r20.rs6.net/tn.jsp?f=3D0013pZSLsgHcp2F=
SOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL19f2H9sSYy5cv1Gjp-ZALUxMhO0PBWI7fGo=
g_i3Dv0FdUA3j4xGKa4CeHctBoYbDMAg9P8wshmnb-0etQDgQTp6HJSlIrH6L2PDyBuosMbLd-l=
Bsgz04a2LJNraGVquyaHhufYollLrfSIc9zLXDg2Mti3HLbqV7c9cfIaY2YVV3YegV1E25Gq-3L=
qSogRzSBg=3D=3D&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA=
=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw=3D=3D" s=
hape=3D"rect" linktype=3D"1" alt=3D"http://www.ap-now.com/public/Accounts-P=
ayable-Now-Tomorrow-newsletter.cfm" target=3D"_blank">Newsletter</a></stron=
g> - Monthly 4-page quick read publication focused on emerging issues impac=
ting the accounts payable and payment function. Subscription now also inclu=
des the March AP Best Practices webinar and the fall AP Recognition Week we=
binar.</span></li><li style=3D"color:#004db4;"><span style=3D"font-size:10.=
0pt;font-family:'Arial','sans-serif';"><b><a style=3D"color:blue;text-decor=
ation:underline;" track=3D"on" href=3D"http://r20.rs6.net/tn.jsp?f=3D0013pZ=
SLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL14e9DjNMAXaJ9jrLDbaJhu2sPi=
tRTZnyjogxEaLccI67VSdb5SHCFtdj3F5vklrJyF7KjQrBcI9DmXBeYiFrWh2mOvPMqJdB0QGIl=
o2q0Fspzzx5KsF3PDP4VAiRhfgL7xKnXpMq7d5g&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6h=
nmii61OJvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1N=
uoruZbmitnzMaw=3D=3D" shape=3D"rect" linktype=3D"1" alt=3D"https://www.ap-n=
ow.com/public/5.cfm" target=3D"_blank">Porta</a>l </b></span><span style=3D=
"font-size:10.0pt;font-family:'Arial','sans-serif';">- Newsletter (as descr=
ibed above)+ access to database filled with articles, tips and diagnostic c=
hecklists &nbsp;</span></li><li style=3D"color:#004db4;"><span style=3D"fon=
t-size:10.0pt;font-family:'Arial','sans-serif';"><b><a href=3D"http://r20.r=
s6.net/tn.jsp?f=3D0013pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL1y=
SIufSY4Lx60-HoaWBFs0RLyROlyjhqn_pcS1U6Gubo6gcNif-lsiyoQ3Lw-fgbukg7iH029J64B=
008PW8RAddgSVGAErPkHauFqH9h38o96_Xe5B1muiLSZ29xz_MHgV7dDSiX-Pi7msbKClJThG0=
=3D&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnmii61OJvGbhSseCvxhlWCA=3D=3D&ch=3Dj=
csr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1NuoruZbmitnzMaw=3D=3D" shape=3D"rect"=
 alt=3D"http://www.ap-now.com/products/item10.cfm" target=3D"_blank"><span =
style=3D"color:blue;">Annual Webinar Pass</span></a> </b></span><span style=
=3D"font-size:10.0pt;font-family:'Arial','sans-serif';">- All AP Now's one-=
hour webinars (2 per month except January when there's only one) </span></l=
i><li style=3D"color:#004db4;"><span style=3D"font-size:10.0pt;font-family:=
'Arial','sans-serif';"><strong><a style=3D"color:blue;text-decoration:under=
line;" track=3D"on" shape=3D"rect" href=3D"http://r20.rs6.net/tn.jsp?f=3D00=
13pZSLsgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL12qIDJXbufhmZQiHDEQWUL=
DdaE8WNM4T1RGMJ9dEs8CFzYuEdvyw-bWoDzqOr7GSojSbza2ONN30z2QqAwUmktksl4cW3U4sv=
wp6sl_49wopfbAtOAaZdyOmwrqa4419ACu-202nrFGR&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd=
3x6hnmii61OJvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NM=
se1NuoruZbmitnzMaw=3D=3D" linktype=3D"1" alt=3D"http://www.ap-now.com/publi=
c/5.cfm" target=3D"_blank">Anytime Viewing Pass</a></strong> - 25&nbsp; one=
-hour webcasts available for viewing at your convenience</span></li><li sty=
le=3D"color:#004db4;"><strong><span style=3D"font-size:10pt;font-family:&qu=
ot;Arial&quot;,&quot;sans-serif&quot;;"><a style=3D"color:blue;text-decorat=
ion:underline;" track=3D"on" href=3D"http://r20.rs6.net/tn.jsp?f=3D0013pZSL=
sgHcp2FSOWrbTMhKDVUHfJEphFPoWRmwTGept-jo84iTfSL14e9DjNMAXaJ9jrLDbaJhu2sPitR=
TZnyjogxEaLccI67VSdb5SHCFtdj3F5vklrJyF7KjQrBcI9DmXBeYiFrWh2mOvPMqJdB0QGIlo2=
q0Fspzzx5KsF3PDP4VAiRhfgL7xKnXpMq7d5g&c=3DkkIx_BSbRsit5HjsS1NSR8ad1Hd3x6hnm=
ii61OJvGbhSseCvxhlWCA=3D=3D&ch=3Djcsr8IhXazd7foEOgkX-OQaU3qAx4Dsj89NMse1Nuo=
ruZbmitnzMaw=3D=3D" shape=3D"rect" linktype=3D"1" alt=3D"https://www.ap-now=
.com/public/5.cfm" target=3D"_blank">Platinum </a></span></strong>- Newslet=
ter + portal + Webinar Pass and more <span style=3D"color:#000000;">Plus An=
ytime Viewing Pass </span></li></ul>
<div>
<div style=3D"text-align:center;" align=3D"center">
<div><span style=3D"color:#000000;">
<div style=3D"text-align:left;" align=3D"left">P.S.&nbsp;<a shape=3D"rect" =
href=3D"http://ui.constantcontact.com/sa/fwtf.jsp?m=3D1101245055428&a=3D112=
8506211416&ea=3Dkathleen%40transocean.com" target=3D"_blank">Please feel fr=
ee to forward this to any colleagues or friends who work in or are responsi=
ble for the accounts payable function. We appreciate your doing so.</a>&nbs=
p;</div>
&nbsp;
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0;font-style:normal;text-align:left;"><span style=3D"color:black;f=
ont-size:10.0pt;line-height:115%;font-family:'Verdana','sans-serif';"><br /=
>P.P.S. If you need to contact us, please do not reply to this.&nbsp; Pleas=
e write us instead at</span><span style=3D"color:#004db4;font-size:10.0pt;l=
ine-height:115%;font-family:'Verdana','sans-serif';"> <a href=3D"mailto:pub=
lisher@ap-now.com" shape=3D"rect" target=3D"_blank">publisher@ap-now.com</a=
>&nbsp;</span></div>
&nbsp;</span></div>
<span style=3D"font-size:10pt;line-height:115%;"><span style=3D"color:#0000=
00;font-family:Verdana,Geneva,Arial,Helvetica,Sans-serif;">&nbsp;</span> </=
span><br /><a style=3D"font-size:16pt;" href=3D"http://ui.constantcontact.c=
om/sa/fwtf.jsp?m=3D1101245055428&a=3D1128506211416&ea=3Dkathleen%40transoce=
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