<html><head><title>Yahoo! Bill Pay</title></head><body><center>
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      <td width=1%><a href=http://finance.yahoo.com><img src=http://sec.yimg.com/i/fi/main4.gif width=281
height=31 alt="Yahoo! Finance" border=0></a></td>
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        <div align="right"><font size=-1 face=arial><a
href=http://finance.yahoo.com>Finance Home</a> - <a
href=http://www.yahoo.com>Yahoo!</a> - <a href=https://help.yahoo.com/help/fin/bills/>Help</a></font><br>
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      <td><font size=+1 face=arial color=white><b>You're only one click away from
        paying bills online!</b></font></td>

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      <td valign=top><font face="arial" size="-1">A while back, you made the smart
        decision to pay bills with a click of your mouse instead of writing checks
        and licking stamps. Your Yahoo! Bill Pay account is ready. Just follow
        these easy steps below to get started:<br>
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                        <td valign=top><b><font face=Arial>Here's how to get started
                          using Yahoo! Bill Pay:</font></b></td>
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                          <p><b><font face="Arial" size="-1">Step 1: Grab a Bill</font></b>
                            <br>
                            <font size="2" face="Arial">You'll need to enter account information located on the bills you wish to
pay.
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                          <p><b><font face="Arial" size="-1">Step 2: Sign In to
                            Yahoo!</font></b> <br>
                            <font size=2 face=Arial>Go to <a href="http://billpay.yahoo.com">http://billpay.yahoo.com</a>
                            and enter your Yahoo! ID and password. You'll then
                            be prompted to enter your Security Key.
                            <font face=arial size=-1><font color=6699cc><b>Tip:</b></font></font>
                            If you can't remember your Yahoo! ID, password or
                            Security Key, be sure to click the Help link at the
                            top of the sign in page.</font>
                          <p><b><font face="Arial" size="-1">Step 3: Add a Payee</font></b>
                            <br>
                            <font size=2 face=Arial>Once you've signed into your
                            Bill Pay account, go to your Payee List to begin adding
                            payees. Use the Search feature or the Payee Index
                            to find the payees you want to add to your list.</font>
                          <p><font face=Arial><b><font size="-1">Step 4: Make
                            a Payment!</font></b><br>
                            <font face=arial size=-1>Go to the Make Payment page
                            and select the payee, enter the amount and date you
                            want the payee to receive payment. You can schedule
                            one-time or repeating payments.</font></font><br>
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                            <div align="center"><font face="arial"><b><a href="http://rd.yahoo.com/finance/billpay/iags/*https://bills.secure.yahoo.com">Get Started Now</a></b></font></div>
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  </table><hr size=1 width=100%><font face=arial size=-1>If this email has reached you in error or if you have any questions about Yahoo! Bill Pay, please <a href="http://rd.yahoo.com/finance/billpay/iar/*mailto:yahoo_billpay@checkfree.com?subject=My Bill Pay Account (IA)">let us know</a>.  Need more information about Yahoo! Bill Pay? <a href="http://rd.yahoo.com/finance/billpay/iat/*http://help.yahoo.com/help/us/fin/bills/tour/tour-01.html">Take a tour.</a></font>
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  <font size=-2 face=arial>Copyright&copy; 2001 Yahoo! Inc. All rights reserved.<a
href=http://docs.yahoo.com/info/terms/>Terms of Service</a><br>To learn more about how we use your information, see our <a
href=http://privacy.yahoo.com/privacy/us>Privacy
Policy</a>.</font></center>
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