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Date: Thu, 26 Oct 2017 06:17:54 -0400 (EDT)
From: Mary Schaeffer <editorial_director@ap-now.com>
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Subject: 3 Quick Ways to Test Fraud Prevention Protocols
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    Fraud Prevention Quick Quiz and Faster Payments ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
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Fraud Prevention Quick Quiz and
Faster Payments
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Dear Kathleen
Let's see how good a job your organization is doing protecting itself against fraud?
Answer the following to get a handle on the strength of your fraud protection fortress.
The Test

1. Do you notify your bank when a cardholder leaves the company?
2. Do you prohibit your processors from changing information in the master vendor
file?
3. Do you routinely (at least once a year) deactivate any vendor you have not done
business with in the last year?
The Correct Responses and Why
Did you answer Yes to each of the questions? Let's take a look at why each is important.

1. If you don't notify the bank and only get the card back, a crafty former employee
could simply write down the credit card number, expiration date and the three or
 four digit cvc code. Then they could go shopping to their hearts content and unfortunately,
this is just what a few folks have done.
2. If your processors can change vendor information in the master vendor file, they
are in a position to change critical information. A few have used this weakness 
to divert payments from legitimate vendors to themselves.
3. If you don't deactivate vendors, inactive vendors can be used to hide transactions
that have no legitimacy.
Resource
These are just a few of the issues that will be discussed in the December 7th Fraud
Prevention Best Practices webinar. You can get additional information about it here
[http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFinb5CqnQVxB4nD126U1AaQyROu3KWvBcoDWsHyLXAq-Usxy7kvSGP1qpOLevK5Vr9K9Q22WSQuAte5d7RjG5pfPWihSNUaLGNTZVx5NF66CKO19JB9fziMWuo03zaRGrdPeti_JnNEMRMPwbyyXZ8-0=&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==].
(Included in our webinar [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFihjck4NsUvusB5eOa52J4gcKWXEb-XnFj3T_PQ3IX5RrWiQrqzRhmn2vAGwxHhNz4PhX1wSbMPaUYYGbHimAKxh7-cij8yvZ8RLZCWdbmBX14ybN1OucLfSh94M47eIA04muHOiKPZlueNDQCnD6FXQ=&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==]
and platinum [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFim7JRN7x04ILeMkVpw3oIb2zAJqSSyb_6U8dfqYxW46LZY4sTsPvJnIxXWY-HbsQoMT7jR7R0HRkGnV3rvrIFmG42EncQMGsB6iSqlhEJLYWTlQ6xmSfX6oKs7VlsxQJDVkmZTyidPY7&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==]
memberships.
Tips on Getting Paid Faster
A friend recently asked me if I had any tips on getting paid faster. He was having
trouble getting some of his vendors to pay him in a timely manner. I had just one
piece of advice for him: A good accurate invoice sent to the right place stands 
the best chance of being paid on time.
He was underwhelmed to say the least. "That's it?" he asked incredulously. "Maybe
your readers have some additional insights," he offered. He really meant, maybe 
they have some better advice. So, I agree to ask. We'll share the list of all suggestions
with everyone who writes and explains what a vendor can do to ensure prompt payment.
Send your comments to publisher@ap-now.com [mailto:publisher@ap-now.com] with the
word Faster in the subject line.
1099 Reminder: 1099 time is just around the corner. January 31 is the deadline for
filing Forms 1099 MISC with income in box 7 with both recipients and the IRS. Information
Reporting resources can be found here [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFihy1brIxNIh19bzuJ8Grb0lhoa97SPDW8Kbr355e3iON_r1AZ6lyq_ybGES-ukLmn37VL6PgyZZi_hnEjooDpbWNWh-QH9OjnBB8mpij9LdF3F0Olmgz6tUqTYh0rxrqcRkrZJxFsvD72uQD6E8fOYgkjLDricuVuKmttN4Zs-rJ&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==].
Alert:Take the Travel and Entertainment Policy survey here [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFipWiN8n7F-nEPT0SqUlrk3uhv1T0_IglxWinclqBtagCf4qJSOkoDbpvScyEtU_Fxh07C0qYiHzBk8gbdNGU4O7q3h3-e1E_rxfY-q52VldV-efdPRTXTnzsI2w4tSh5Tu3sCTXkpCBEJ66QLL2zXFg=&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==].
Upcoming AP Now Webinars
webinar [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFihjck4NsUvusB5eOa52J4gcKWXEb-XnFj3T_PQ3IX5RrWiQrqzRhmn2vAGwxHhNz4PhX1wSbMPaUYYGbHimAKxh7-cij8yvZ8RLZCWdbmBX14ybN1OucLfSh94M47eIA04muHOiKPZlueNDQCnD6FXQ=&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==]
and platinum  [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFim7JRN7x04ILeMkVpw3oIb2zAJqSSyb_6U8dfqYxW46LZY4sTsPvJnIxXWY-HbsQoMT7jR7R0HRkGnV3rvrIFmG42EncQMGsB6iSqlhEJLYWTlQ6xmSfX6oKs7VlsxQJDVkmZTyidPY7&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==]memberships.)

* Common Vendor Issues and How to Handle Them [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFisGMMLNyzcpwuJ7yMGEW98kBtMMU4WRB2xfWYBgdXiuqw95EN_SDr4SQbi_ulCd5ZffISQS8Glb8U9t9TrWGMl80zolmJHja0WlgCOGEdpKL-AxWtcH8vBMpapCUW25L9gmjbzjgUkTFdNXCZJe0M90=&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==]
October 25
* 1099 Basics [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFirb4aUv0dizax66F1NSrhzpV2Oaxg5ZfXl3rmxv3kLyslZWLKdBSdb1iLDv8TspFZdqdZaT0PPkqOBmdMeh8UspJRCE--piwwQmapFdWJrNd43Hb0d9N0ggewb4wTEydNdVqH97KhNIJBvU9xhwhE5Y=&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==]
November 9
* Developing Issues: T&E Policy Survey Results [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFinb5CqnQVxB4K4nDHgvnfPId4zAo8e92pe-kpFmU-gP56lbaD9H3XMJD2AMCcDH2_87JR3MsPbtYLr4sIBCyYUrHkA9RA1_oBHJfQMtQdITW6XLV9NfXZOAhFtYkp_VVPzg9mroh_2_w92sI5XGTf9A=&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==]
November 15
* Fraud Prevention Best Practices [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFinb5CqnQVxB4nD126U1AaQyROu3KWvBcoDWsHyLXAq-Usxy7kvSGP1qpOLevK5Vr9K9Q22WSQuAte5d7RjG5pfPWihSNUaLGNTZVx5NF66CKO19JB9fziMWuo03zaRGrdPeti_JnNEMRMPwbyyXZ8-0=&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==]
December 7
* Creating an Effective and Efficient Travel and Entertainment Expense Reimbursement
Policy [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFirb4aUv0dizaZjWLBGpVa-Ms8TB8I6O_lgIamnmi4_lk_zjh05GRd-9CV_p9UtmJGrpFO3BJABW97Le-ywuNXL562cStBgM5VjG6G_dBxv-GIv2h-q86m88nytMrV76BKGAFKOdMHjKckc0UjvOI00s=&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==]
December 13
Other Upcoming Programs

* Accounts Payable Best Practice Certificate Program  [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFiuCk5c_g4udRo08TftgyO9_XJ5tXaFnAqA1BYAs6UEiq2UGpeSLggXStxQiUhGMI1D_vLjQEFb1eXA3R9ojYPT6SIjT1VcQCs3wBnphzBF9P9YcNdIV5bXnhPSAm0wNUDJ6vic8d7jq_zWLejY6I6Fw=&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==]-
a self-study with no ongoing CPE requirements. You can get the details about it 
here [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFiuCk5c_g4udRo08TftgyO9_XJ5tXaFnAqA1BYAs6UEiq2UGpeSLggXStxQiUhGMI1D_vLjQEFb1eXA3R9ojYPT6SIjT1VcQCs3wBnphzBF9P9YcNdIV5bXnhPSAm0wNUDJ6vic8d7jq_zWLejY6I6Fw=&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==].
Enroll your entire department; group rates available. Contact publisher@ap-now.com
for details.
*
1099 Seminar [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFigDsxx0UddaDiS0uf6YxaX34_6ly5OBy3a6_QwjNBYKRTSN1zIPbFvPgllCvZA8Mpt6bkarwFyhCjNon32aLP_SeCIFBcPJr1-L4il0WbzfgWNvNMESwtDMVQM858Is1Q3FxFxAF_aqm6lKIwHKyroI=&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==]
live in Oklahoma City on November 16
*
1099 e-Workshops [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFis3Rrh2Nf9R1ZH6zBnjrTnl5PWVTbYG2Qpatf1Fr-Fn3_suYJB-tzH1p2mjUJKtCTpswWV2jlcQGo38xPQWsh4LWpOZObd2nhC_uhkMJjx4LZAZknrLuSSHw6D1XWr1HbCGrXA32n-IzRPq7h-NLuZOLIlFw8EWXIA==&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==]
October 26, December 5 and Any Time Viewing after October 27 Reduced rates for webinar
and platinum members; email publisher@ap-now.com [mailto:publisher@ap-now.com] for
details
*
Form 1042-S and 1042 Reporting e-Workshop [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFiq9_OVF4Z0hw7uW2OYBktgwQ7Y1Loz1rIBTv1oQw7Gj7Bc2FgrUxNHe1Q8YhVXgq3jXcgqqqihBrMABY9r6oYlOmPuB5CLTVx49hwJFGjgwYBpr2Qw3JrxsU5zynJ0IvVm-4Q6haDr-2clsYPR9IJ9E=&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==]
December 6 and Any Time Viewing after December 7 Reduced rates for webinar and platinum
members; email publisher@ap-now.com [mailto:publisher@ap-now.com] for details
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Regards,
Mary Schaeffer
AP Now
Keeping up Just Got Easier:
AP Now Membership Options

* Newsletter [http://r20.rs6.net/tn.jsp?f=001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFik__10DP7oRJlK2pwioVEFOoHXgCjabCenEQEJV9Vxww2cxcLulenz__Y6YVhqRDyUpVj0EqxDvBmEa01kYUfKwf9AVvzbGQ1YIMxk-FIHHNfBWKO_FIn7eFg4kRJtqts3SixTKlrFx8BqO7w-ihhitXvInmm2Z4SYLVT2RS6eKQbqumtZwHutY0k1k4AhcCYA==&c=rAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw==&ch=DeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg==]
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-height:115%;font-family:Verdana,sans-serif;">
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;font-style:normal;text-align:center;" align=3D"center"><span style=3D"line=
-height:115%;font-family:Verdana,sans-serif;">
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;font-style:normal;text-align:center;" align=3D"center"><span style=3D"line=
-height:115%;font-family:Verdana,sans-serif;">
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;font-style:normal;text-align:center;" align=3D"center"><span style=3D"line=
-height:115%;font-family:Verdana,sans-serif;">
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;font-style:normal;text-align:center;" align=3D"center"><span style=3D"line=
-height:115%;font-family:Verdana,sans-serif;">
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;font-style:normal;text-align:center;" align=3D"center"><span style=3D"line=
-height:115%;font-family:Verdana,sans-serif;">
<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:Verdana,sans-serif;">
<div style=3D"font-weight:normal;font-family:Times-New-Roman;margin-top:0px=
;font-style:normal;text-align:center;" align=3D"center">&nbsp; &nbsp;&nbsp;=
<img height=3D"147" vspace=3D"5" border=3D"0" name=3D"ACCOUNT.IMAGE.37" hsp=
ace=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:Verdana,sans-serif;">&nbsp;</span></div>
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</td></tr></table>       =20
                <table style=3D"display:table;" border=3D"0" width=3D"100%"=
 cellspacing=3D"0" cellpadding=3D"5" id=3D"content_LETTER.BLOCK3"><tr><td s=
tyle=3D"color:#333333;font-size:10pt;font-family:Arial,Helvetica,sans-serif=
;" rowspan=3D"1" colspan=3D"1" align=3D"left">
<div style=3D"margin-top:0px;margin-bottom:0px;"><strong>Dear Kathleen</str=
ong></div>
<div style=3D"margin-top:0px;margin-bottom:0px;"><span style=3D"font-size:1=
0pt;line-height:115%;font-family:Verdana,sans-serif;"><span style=3D"backgr=
ound-color:white;font-size:10pt;font-family:Verdana, sans-serif;"><span sty=
le=3D"font-size:10pt;line-height:115%;font-family:Verdana,sans-serif;"><spa=
n style=3D"font-size:10pt;line-height:115%;font-family:Verdana,sans-serif;"=
><span style=3D"line-height:115%;">
<div style=3D"margin:0in 0in 10pt;">
<div>
<div><span style=3D"font-size:10pt;line-height:115%;font-family:Verdana,san=
s-serif;"><br /></span></div>
<div><span style=3D"font-size:10pt;line-height:115%;font-family:Verdana,san=
s-serif;">
<div style=3D"margin:0in 0in 10pt;">
<div><span style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana'=
,'sans-serif';">Let's see how good a job your organization is doing protect=
ing itself against fraud? Answer the following to get a handle on the stren=
gth of your fraud protection fortress.</span></div>
<div><span style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana'=
,'sans-serif';"><br /></span></div>
<div><span style=3D"color:#00b0f0;font-size:10.0pt;line-height:115%;font-fa=
mily:'Verdana','sans-serif';"><b>The Test</b></span></div>
<ol><li><span style=3D"font-size:10.0pt;line-height:115%;font-family:'Verda=
na','sans-serif';">Do you notify your bank when a cardholder leaves the com=
pany?</span></li><li><span style=3D"font-size:10.0pt;line-height:115%;font-=
family:'Verdana','sans-serif';">Do you prohibit your processors from changi=
ng information in the master vendor file?</span></li><li><span style=3D"fon=
t-size:10.0pt;line-height:115%;font-family:'Verdana','sans-serif';">Do you =
routinely (at least once a year) deactivate any vendor you have not done bu=
siness with in the last year?</span></li></ol>
<div><span style=3D"color:#7030a0;font-size:10.0pt;line-height:115%;font-fa=
mily:'Verdana','sans-serif';"><b>The Correct Responses and Why</b></span><s=
pan style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana','sans-=
serif';"><br /> <br /> Did you answer Yes to each of the questions? Let's t=
ake a look at why each is important. </span></div>
<ol><li><span style=3D"font-size:10.0pt;line-height:115%;font-family:'Verda=
na','sans-serif';">If you don't notify the bank and only get the card back,=
 a crafty former employee could simply write down the credit card number, e=
xpiration date and the three or four digit cvc code. Then they could go sho=
pping to their hearts content and unfortunately, this is just what a few fo=
lks have done.</span></li><li><span style=3D"font-size:10.0pt;line-height:1=
15%;font-family:'Verdana','sans-serif';">If your processors can change vend=
or information in the master vendor file, they are in a position to change =
critical information. A few have used this weakness to divert payments from=
 legitimate vendors to themselves. </span></li><li><span style=3D"font-size=
:10.0pt;line-height:115%;font-family:'Verdana','sans-serif';">If you don't =
deactivate vendors, inactive vendors can be used to hide transactions that =
have no legitimacy. </span></li></ol>
<div><span style=3D"color:#00b050;font-size:10.0pt;line-height:115%;font-fa=
mily:'Verdana','sans-serif';"><b>Resource</b></span></div>
<div><span style=3D"color:#00b050;font-size:10.0pt;line-height:115%;font-fa=
mily:'Verdana','sans-serif';"><b><br /></b></span></div>
<div><span style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana'=
,'sans-serif';">These are just a few of the issues that will be discussed i=
n the December 7<sup>th</sup> Fraud Prevention Best Practices webinar. You =
can get additional information about it </span><span style=3D"font-size:10.=
0pt;line-height:115%;"><a shape=3D"rect" href=3D"http://r20.rs6.net/tn.jsp?=
f=3D001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFinb5CqnQVxB4nD12=
6U1AaQyROu3KWvBcoDWsHyLXAq-Usxy7kvSGP1qpOLevK5Vr9K9Q22WSQuAte5d7RjG5pfPWihS=
NUaLGNTZVx5NF66CKO19JB9fziMWuo03zaRGrdPeti_JnNEMRMPwbyyXZ8-0=3D&c=3DrAZaIGZ=
bKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw=3D=3D&ch=3DDeMwOCZH7pFrqp4s=
Ipec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg=3D=3D" alt=3D"http://www.ap-now.com/=
products/item127.cfm" target=3D"_blank"><span style=3D"font-family:'Verdana=
','sans-serif';">here</span></a></span><span style=3D"font-size:10.0pt;line=
-height:115%;font-family:'Verdana','sans-serif';">. (Included in our </span=
><span style=3D"font-size:10.0pt;line-height:115%;"><a shape=3D"rect" href=
=3D"http://r20.rs6.net/tn.jsp?f=3D001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSM=
vdQnH5MDI-CEaFihjck4NsUvusB5eOa52J4gcKWXEb-XnFj3T_PQ3IX5RrWiQrqzRhmn2vAGwxH=
hNz4PhX1wSbMPaUYYGbHimAKxh7-cij8yvZ8RLZCWdbmBX14ybN1OucLfSh94M47eIA04muHOiK=
PZlueNDQCnD6FXQ=3D&c=3DrAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DyS=
Pw=3D=3D&ch=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg=3D=3D"=
 alt=3D"http://www.ap-now.com/products/item10.cfm" target=3D"_blank"><span =
style=3D"font-family:'Verdana','sans-serif';">webinar</span></a></span><spa=
n style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana','sans-se=
rif';"> and </span><span style=3D"font-size:10pt;font-family:Verdana, sans-=
serif;"><a shape=3D"rect" href=3D"http://r20.rs6.net/tn.jsp?f=3D001S9ZGQ_g4=
bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFim7JRN7x04ILeMkVpw3oIb2zAJqSSyb=
_6U8dfqYxW46LZY4sTsPvJnIxXWY-HbsQoMT7jR7R0HRkGnV3rvrIFmG42EncQMGsB6iSqlhEJL=
YWTlQ6xmSfX6oKs7VlsxQJDVkmZTyidPY7&c=3DrAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOo=
bm1eQXIRwZaq2DySPw=3D=3D&ch=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUX=
XfmuNy4Jg=3D=3D" alt=3D"https://www.ap-now.com/public/5.cfm" target=3D"_bla=
nk">platinum</a>&nbsp;memberships.</span></div>
<div><span style=3D"font-size:10pt;font-family:Verdana, sans-serif;"><br />=
</span></div>
<div><span style=3D"color:#cc00cc;font-size:10.0pt;line-height:115%;font-fa=
mily:'Verdana','sans-serif';"><b>Tips on Getting Paid Faster</b></span></di=
v>
<div><span style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana'=
,'sans-serif';"><br /></span></div>
<div><span style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana'=
,'sans-serif';">A friend recently asked me if I had any tips on getting pai=
d faster. He was having trouble getting some of his vendors to pay him in a=
 timely manner. I had just one piece of advice for him: A good accurate inv=
oice sent to the right place stands the best chance of being paid on time.<=
/span></div>
<div><span style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana'=
,'sans-serif';"><br /></span></div>
<div><span style=3D"font-size:10.0pt;line-height:115%;font-family:'Verdana'=
,'sans-serif';">He was underwhelmed to say the least. "That's it?" he asked=
 incredulously. "Maybe your readers have some additional insights," he offe=
red. He really meant, maybe they have some better advice. So, I agree to as=
k. We'll share the list of all suggestions with everyone who writes and exp=
lains what a vendor can do to ensure prompt payment. Send your comments to =
<a shape=3D"rect" href=3D"mailto:publisher@ap-now.com" target=3D"_blank">pu=
blisher@ap-now.com</a> with the word Faster in the subject line.&nbsp;&nbsp=
;</span></div>
</div>
<div style=3D"margin:0in 0in 10pt;"><span style=3D"color:#00b0f0;font-size:=
10pt;line-height:115%;"><b><span style=3D"color:#00b050;font-size:10pt;line=
-height:115%;"><b>1099 </b></span><span style=3D"color:#00b050;">Reminder</=
span></b></span><span style=3D"font-size:10pt;line-height:115%;">: 1099 tim=
e is just around the corner. January 31 is the deadline for filing Forms 10=
99 MISC with income in box 7 with both recipients and the IRS. Information =
Reporting resources can be found <a shape=3D"rect" href=3D"http://r20.rs6.n=
et/tn.jsp?f=3D001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFihy1br=
IxNIh19bzuJ8Grb0lhoa97SPDW8Kbr355e3iON_r1AZ6lyq_ybGES-ukLmn37VL6PgyZZi_hnEj=
ooDpbWNWh-QH9OjnBB8mpij9LdF3F0Olmgz6tUqTYh0rxrqcRkrZJxFsvD72uQD6E8fOYgkjLDr=
icuVuKmttN4Zs-rJ&c=3DrAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw=
=3D=3D&ch=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg=3D=3D" a=
lt=3D"http://www.ap-now.com/public/1099-Resources-for-2017.cfm" target=3D"_=
blank">here</a>.&nbsp;</span></div>
</span></div>
</div>
</div>
<span style=3D"color:#c736cb;font-size:10pt;line-height:115%;font-family:Ve=
rdana, sans-serif;"><b>Alert</b></span><span style=3D"color:#c736cb;font-si=
ze:10pt;line-height:115%;font-family:Verdana, sans-serif;"><b>:</b></span><=
span style=3D"font-size:10pt;line-height:115%;font-family:Verdana,sans-seri=
f;"> <span style=3D"color:#000000;">Take the Travel and Entertainment&nbsp;=
Policy</span><span style=3D"color:#000000;font-size:10pt;line-height:115%;f=
ont-family:Verdana,sans-serif;"> survey </span><a shape=3D"rect" href=3D"ht=
tp://r20.rs6.net/tn.jsp?f=3D001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5=
MDI-CEaFipWiN8n7F-nEPT0SqUlrk3uhv1T0_IglxWinclqBtagCf4qJSOkoDbpvScyEtU_Fxh0=
7C0qYiHzBk8gbdNGU4O7q3h3-e1E_rxfY-q52VldV-efdPRTXTnzsI2w4tSh5Tu3sCTXkpCBEJ6=
6QLL2zXFg=3D&c=3DrAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw=3D=
=3D&ch=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg=3D=3D" alt=
=3D"https://www.surveymonkey.com/r/TEPolicySurvey" target=3D"_blank"><span =
style=3D"font-size:10pt;line-height:115%;font-family:Verdana,sans-serif;">h=
ere</span></a><span style=3D"font-size:10pt;line-height:115%;font-family:Ve=
rdana,sans-serif;">.&nbsp;</span></span> </span> </span> </span> </span>
<div><span style=3D"font-size:10pt;line-height:115%;font-family:Verdana,san=
s-serif;">
<div>
<div><strong style=3D"color:#0067ce;font-size:10pt;font-family:Verdana, san=
s-serif;">&nbsp;</strong></div>
<div><strong style=3D"color:#0067ce;font-size:10pt;font-family:Verdana, san=
s-serif;">Upcoming AP Now Webinars</strong></div>
</div>
</span></div>
</span></div>
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0px;font-style:normal;text-align:left;"><span style=3D"font-size:1=
0pt;line-height:115%;font-family:Verdana,sans-serif;"> <span style=3D"color=
:#0067ce;font-size:10pt;font-family:Verdana,sans-serif;"><span style=3D"col=
or:#0067ce;font-size:10pt;line-height:115%;font-family:Verdana,sans-serif;"=
><strong><a shape=3D"rect" href=3D"http://r20.rs6.net/tn.jsp?f=3D001S9ZGQ_g=
4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFihjck4NsUvusB5eOa52J4gcKWXEb-X=
nFj3T_PQ3IX5RrWiQrqzRhmn2vAGwxHhNz4PhX1wSbMPaUYYGbHimAKxh7-cij8yvZ8RLZCWdbm=
BX14ybN1OucLfSh94M47eIA04muHOiKPZlueNDQCnD6FXQ=3D&c=3DrAZaIGZbKTCK1nhniYxYW=
ZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw=3D=3D&ch=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd_G=
A6kHxMcTqhqpAUXXfmuNy4Jg=3D=3D" alt=3D"http://www.ap-now.com/products/item1=
0.cfm" target=3D"_blank"><span>webinar</span></a><span> and <a shape=3D"rec=
t" href=3D"http://r20.rs6.net/tn.jsp?f=3D001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc=
6QwRZSMvdQnH5MDI-CEaFim7JRN7x04ILeMkVpw3oIb2zAJqSSyb_6U8dfqYxW46LZY4sTsPvJn=
IxXWY-HbsQoMT7jR7R0HRkGnV3rvrIFmG42EncQMGsB6iSqlhEJLYWTlQ6xmSfX6oKs7VlsxQJD=
VkmZTyidPY7&c=3DrAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw=3D=
=3D&ch=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg=3D=3D" alt=
=3D"https://www.ap-now.com/public/5.cfm" target=3D"_blank">platinum </a></s=
pan></strong></span><span style=3D"color:black;font-size:10pt;line-height:1=
15%;font-family:Verdana,sans-serif;">memberships</span><strong><span style=
=3D"color:black;font-size:10pt;line-height:115%;font-family:Verdana,sans-se=
rif;">.</span><span style=3D"font-size:10pt;line-height:115%;font-family:Ve=
rdana,sans-serif;">)</span> </strong></span> </span></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:10pt;line-height:=
115%;font-family:Verdana,sans-serif;"><a style=3D"color:blue;text-decoratio=
n:underline;" track=3D"on" shape=3D"rect" href=3D"http://r20.rs6.net/tn.jsp=
?f=3D001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFisGMMLNyzcpwuJ7=
yMGEW98kBtMMU4WRB2xfWYBgdXiuqw95EN_SDr4SQbi_ulCd5ZffISQS8Glb8U9t9TrWGMl80zo=
lmJHja0WlgCOGEdpKL-AxWtcH8vBMpapCUW25L9gmjbzjgUkTFdNXCZJe0M90=3D&c=3DrAZaIG=
ZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw=3D=3D&ch=3DDeMwOCZH7pFrqp4=
sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg=3D=3D" linktype=3D"1" alt=3D"http:/=
/www.ap-now.com/products/item125.cfm" target=3D"_blank">Common Vendor Issue=
s and How to Handle Them</a> October 25</span></li><li style=3D"color:#0000=
00;"><span style=3D"font-size:10pt;line-height:115%;font-family:Verdana,san=
s-serif;"><a shape=3D"rect" href=3D"http://r20.rs6.net/tn.jsp?f=3D001S9ZGQ_=
g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFirb4aUv0dizax66F1NSrhzpV2Oaxg=
5ZfXl3rmxv3kLyslZWLKdBSdb1iLDv8TspFZdqdZaT0PPkqOBmdMeh8UspJRCE--piwwQmapFdW=
JrNd43Hb0d9N0ggewb4wTEydNdVqH97KhNIJBvU9xhwhE5Y=3D&c=3DrAZaIGZbKTCK1nhniYxY=
WZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw=3D=3D&ch=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd_=
GA6kHxMcTqhqpAUXXfmuNy4Jg=3D=3D" alt=3D"http://www.ap-now.com/products/item=
61.cfm" target=3D"_blank">1099 Basics</a> November 9</span></li><li style=
=3D"color:#000000;"><span style=3D"font-size:10pt;line-height:115%;font-fam=
ily:Verdana,sans-serif;"><a style=3D"color:blue;text-decoration:underline;"=
 track=3D"on" shape=3D"rect" href=3D"http://r20.rs6.net/tn.jsp?f=3D001S9ZGQ=
_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFinb5CqnQVxB4K4nDHgvnfPId4zAo=
8e92pe-kpFmU-gP56lbaD9H3XMJD2AMCcDH2_87JR3MsPbtYLr4sIBCyYUrHkA9RA1_oBHJfQMt=
QdITW6XLV9NfXZOAhFtYkp_VVPzg9mroh_2_w92sI5XGTf9A=3D&c=3DrAZaIGZbKTCK1nhniYx=
YWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw=3D=3D&ch=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd=
_GA6kHxMcTqhqpAUXXfmuNy4Jg=3D=3D" linktype=3D"1" alt=3D"http://www.ap-now.c=
om/products/item126.cfm" target=3D"_blank">Developing Issues: T&E Policy Su=
rvey Results</a> November 15</span></li><li style=3D"color:#000000;"><span =
style=3D"font-size:10pt;line-height:115%;font-family:Verdana,sans-serif;"><=
a style=3D"color:blue;text-decoration:underline;" track=3D"on" shape=3D"rec=
t" href=3D"http://r20.rs6.net/tn.jsp?f=3D001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc=
6QwRZSMvdQnH5MDI-CEaFinb5CqnQVxB4nD126U1AaQyROu3KWvBcoDWsHyLXAq-Usxy7kvSGP1=
qpOLevK5Vr9K9Q22WSQuAte5d7RjG5pfPWihSNUaLGNTZVx5NF66CKO19JB9fziMWuo03zaRGrd=
Peti_JnNEMRMPwbyyXZ8-0=3D&c=3DrAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRw=
Zaq2DySPw=3D=3D&ch=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg=
=3D=3D" linktype=3D"1" alt=3D"http://www.ap-now.com/products/item127.cfm" t=
arget=3D"_blank">Fraud Prevention Best Practices</a> December 7</span></li>=
<li style=3D"color:#000000;"><span style=3D"font-size:10pt;line-height:115%=
;font-family:Verdana,sans-serif;"><a shape=3D"rect" href=3D"http://r20.rs6.=
net/tn.jsp?f=3D001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFirb4a=
Uv0dizaZjWLBGpVa-Ms8TB8I6O_lgIamnmi4_lk_zjh05GRd-9CV_p9UtmJGrpFO3BJABW97Le-=
ywuNXL562cStBgM5VjG6G_dBxv-GIv2h-q86m88nytMrV76BKGAFKOdMHjKckc0UjvOI00s=3D&=
c=3DrAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw=3D=3D&ch=3DDeMwO=
CZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg=3D=3D" 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> Decemb=
er 13</span></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:Verdana,sans-serif;"><b>Other Upcoming Progra=
ms</b></span></div>
</span></div>
</div>
<ul><li style=3D"color:#333333;"><span style=3D"font-size:10pt;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=3D001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFiuCk5c_=
g4udRo08TftgyO9_XJ5tXaFnAqA1BYAs6UEiq2UGpeSLggXStxQiUhGMI1D_vLjQEFb1eXA3R9o=
jYPT6SIjT1VcQCs3wBnphzBF9P9YcNdIV5bXnhPSAm0wNUDJ6vic8d7jq_zWLejY6I6Fw=3D&c=
=3DrAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw=3D=3D&ch=3DDeMwOC=
ZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg=3D=3D" linktype=3D"1" alt=
=3D"http://www.ap-now.com/products/item74.cfm" target=3D"_blank">Accounts P=
ayable Best Practice Certificate Program </a></strong>- a self-study with n=
o ongoing CPE requirements. </span>You can get the details about it <a styl=
e=3D"font-size:10pt;font-family:Verdana, sans-serif;" shape=3D"rect" href=
=3D"http://r20.rs6.net/tn.jsp?f=3D001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSM=
vdQnH5MDI-CEaFiuCk5c_g4udRo08TftgyO9_XJ5tXaFnAqA1BYAs6UEiq2UGpeSLggXStxQiUh=
GMI1D_vLjQEFb1eXA3R9ojYPT6SIjT1VcQCs3wBnphzBF9P9YcNdIV5bXnhPSAm0wNUDJ6vic8d=
7jq_zWLejY6I6Fw=3D&c=3DrAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DyS=
Pw=3D=3D&ch=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg=3D=3D"=
 alt=3D"http://www.ap-now.com/products/item74.cfm" target=3D"_blank">here</=
a><span style=3D"color:black;font-size:10pt;font-family:Verdana, sans-serif=
;">. </span><em style=3D"color:black;font-size:10pt;font-family:Verdana, sa=
ns-serif;">Enroll your entire department</em><span style=3D"color:black;fon=
t-size:10pt;font-family:Verdana, sans-serif;">; group rates available. Cont=
act publisher@ap-now.com for details.</span></li><li style=3D"color:#333333=
;">
<div><span style=3D"color:black;font-size:10pt;line-height:115%;font-family=
:Verdana,sans-serif;">
<div><span style=3D"color:#0000ff;"><strong><a style=3D"color:rgb(0, 0, 255=
);text-decoration:underline;" track=3D"on" shape=3D"rect" href=3D"http://r2=
0.rs6.net/tn.jsp?f=3D001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEa=
FigDsxx0UddaDiS0uf6YxaX34_6ly5OBy3a6_QwjNBYKRTSN1zIPbFvPgllCvZA8Mpt6bkarwFy=
hCjNon32aLP_SeCIFBcPJr1-L4il0WbzfgWNvNMESwtDMVQM858Is1Q3FxFxAF_aqm6lKIwHKyr=
oI=3D&c=3DrAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw=3D=3D&ch=
=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg=3D=3D" linktype=
=3D"1" alt=3D"http://www.ap-now.com/products/item123.cfm" target=3D"_blank"=
>1099 Seminar</a></strong></span> live in Oklahoma City on November 16</div=
>
</span></div>
</li><li style=3D"color:#000000;"><span style=3D"color:black;font-size:10pt=
;line-height:115%;font-family:Verdana,sans-serif;">
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0px;font-style:normal;text-align:left;"><span style=3D"font-size:1=
0pt;line-height:115%;font-family:Verdana,sans-serif;"><strong><a shape=3D"r=
ect" href=3D"http://r20.rs6.net/tn.jsp?f=3D001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2=
Qc6QwRZSMvdQnH5MDI-CEaFis3Rrh2Nf9R1ZH6zBnjrTnl5PWVTbYG2Qpatf1Fr-Fn3_suYJB-t=
zH1p2mjUJKtCTpswWV2jlcQGo38xPQWsh4LWpOZObd2nhC_uhkMJjx4LZAZknrLuSSHw6D1XWr1=
HbCGrXA32n-IzRPq7h-NLuZOLIlFw8EWXIA=3D=3D&c=3DrAZaIGZbKTCK1nhniYxYWZktIP2n-=
OhfsBOobm1eQXIRwZaq2DySPw=3D=3D&ch=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcT=
qhqpAUXXfmuNy4Jg=3D=3D" alt=3D"http://www.ap-now.com/products/1099-eWorksho=
ps.cfm" target=3D"_blank">1099 e-Workshops</a></strong> October 26, Decembe=
r 5 and Any Time Viewing after October 27 Reduced rates for webinar and pla=
tinum members; email <a shape=3D"rect" href=3D"mailto:publisher@ap-now.com"=
 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=
:Verdana,sans-serif;">
<div style=3D"color:black;font-weight:normal;font-family:Times-New-Roman;ma=
rgin-top:0px;font-style:normal;text-align:left;"><span style=3D"font-size:1=
0pt;line-height:115%;font-family:Verdana,sans-serif;"><strong><a shape=3D"r=
ect" href=3D"http://r20.rs6.net/tn.jsp?f=3D001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2=
Qc6QwRZSMvdQnH5MDI-CEaFiq9_OVF4Z0hw7uW2OYBktgwQ7Y1Loz1rIBTv1oQw7Gj7Bc2FgrUx=
NHe1Q8YhVXgq3jXcgqqqihBrMABY9r6oYlOmPuB5CLTVx49hwJFGjgwYBpr2Qw3JrxsU5zynJ0I=
vVm-4Q6haDr-2clsYPR9IJ9E=3D&c=3DrAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXI=
RwZaq2DySPw=3D=3D&ch=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4=
Jg=3D=3D" alt=3D"http://www.ap-now.com/products/item95.cfm" target=3D"_blan=
k">Form 1042-S and 1042 Reporting e-Workshop</a></strong> December 6 and An=
y Time Viewing after December 7 Reduced rates for webinar and platinum memb=
ers; email <a shape=3D"rect" href=3D"mailto:publisher@ap-now.com" target=3D=
"_blank">publisher@ap-now.com</a> for details</span></div>
</span></div>
</li></ul>
</td></tr></table>       =20
                =20
                <table class=3D"BlockMargin" style=3D"display:table;margin-=
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=3D001S9ZGQ_g4bbNo=
xKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFik__10DP7oRJlK2pwioVEFOoHXgCjabCenE=
QEJV9Vxww2cxcLulenz__Y6YVhqRDyUpVj0EqxDvBmEa01kYUfKwf9AVvzbGQ1YIMxk-FIHHNfB=
WKO_FIn7eFg4kRJtqts3SixTKlrFx8BqO7w-ihhitXvInmm2Z4SYLVT2RS6eKQbqumtZwHutY0k=
1k4AhcCYA=3D=3D&c=3DrAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw=
=3D=3D&ch=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg=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=3D001S9Z=
GQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFim7JRN7x04ILeMkVpw3oIb2zAJ=
qSSyb_6U8dfqYxW46LZY4sTsPvJnIxXWY-HbsQoMT7jR7R0HRkGnV3rvrIFmG42EncQMGsB6iSq=
lhEJLYWTlQ6xmSfX6oKs7VlsxQJDVkmZTyidPY7&c=3DrAZaIGZbKTCK1nhniYxYWZktIP2n-Oh=
fsBOobm1eQXIRwZaq2DySPw=3D=3D&ch=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqh=
qpAUXXfmuNy4Jg=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=3D001S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFih=
jck4NsUvusB5eOa52J4gcKWXEb-XnFj3T_PQ3IX5RrWiQrqzRhmn2vAGwxHhNz4PhX1wSbMPaUY=
YGbHimAKxh7-cij8yvZ8RLZCWdbmBX14ybN1OucLfSh94M47eIA04muHOiKPZlueNDQCnD6FXQ=
=3D&c=3DrAZaIGZbKTCK1nhniYxYWZktIP2n-OhfsBOobm1eQXIRwZaq2DySPw=3D=3D&ch=3DD=
eMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqpAUXXfmuNy4Jg=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=
1S9ZGQ_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFikfp029HhSWdgVjUO4rVkN=
iHKkExdoFIKvcNls3CqF1ssCv2aYz27LmRHYlvLmCuYeBTQA0eATt7MPmL4QO-yXwL7itHREeLO=
wAiDucQL4TPfhZAHbieN-b-2r1P_cyZdqRcDEkkZTXL&c=3DrAZaIGZbKTCK1nhniYxYWZktIP2=
n-OhfsBOobm1eQXIRwZaq2DySPw=3D=3D&ch=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxM=
cTqhqpAUXXfmuNy4Jg=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=3D001S9ZGQ=
_g4bbNoxKM_DXMVJIjoIvUb2Qc6QwRZSMvdQnH5MDI-CEaFim7JRN7x04ILeMkVpw3oIb2zAJqS=
Syb_6U8dfqYxW46LZY4sTsPvJnIxXWY-HbsQoMT7jR7R0HRkGnV3rvrIFmG42EncQMGsB6iSqlh=
EJLYWTlQ6xmSfX6oKs7VlsxQJDVkmZTyidPY7&c=3DrAZaIGZbKTCK1nhniYxYWZktIP2n-Ohfs=
BOobm1eQXIRwZaq2DySPw=3D=3D&ch=3DDeMwOCZH7pFrqp4sIpec6PFvOfjd_GA6kHxMcTqhqp=
AUXXfmuNy4Jg=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=
9217410208&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=3D1129217410208&ea=3Dkathleen%40transoce=
an.com" shape=3D"rect" target=3D"_blank"><img border=3D"0" alt=3D"Gray" src=
=3D"https://imgssl.constantcontact.com/ui/images1/ftf_btn_1.gif" /></a><br =
/></div>
</div>
</div>
</td></tr></table>      =20
               =20
                <table border=3D"0" width=3D"100%" cellspacing=3D"0" cellpa=
dding=3D"10" id=3D"content_LETTER.BLOCK13"><tr><td class=3D"JOML" style=3D"=
font-variant:small-caps;color:#8F2936;text-decoration:none;font-size:12pt;f=
ont-family:Garamond,Times New Roman,Times,serif;text-align:center;" rowspan=
=3D"1" colspan=3D"1" align=3D"center"><img height=3D"63" vspace=3D"5" borde=
r=3D"0" name=3D"ACCOUNT.IMAGE.23" width=3D"70" alt=3D"Accounts Payable Now =
& Tomorrow" src=3D"http://files.constantcontact.com/4c102576001/1c7f93c9-97=
fc-46c6-920b-d0a5babff3dd.jpg" /></td></tr></table></td>
                <td width=3D"45" rowspan=3D"1" colspan=3D"1"><img height=3D=
"1" border=3D"0" width=3D"45" src=3D"http://img.constantcontact.com/letters=
/images/spacer.gif" /></td>
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            </table>
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        <tr>
            <td class=3D"TemplatePad" style=3D"padding:0px;" width=3D"100%"=
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            <table border=3D"0" width=3D"100%" cellspacing=3D"0" cellpaddin=
g=3D"0" id=3D"content_LETTER.BLOCK10"><tr><td rowspan=3D"1" colspan=3D"1"><=
img height=3D"96" border=3D"0" width=3D"600" optionname=3D"THANKSGIVING2FTR=
" src=3D"https://imgssl.constantcontact.com/letters/images/1101093164665/th=
anksgiving2_ftr2.jpg" /></td></tr></table></td>
        </tr>   =20
        </table>
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