00282pab a2200121 454500008004000000100002500040245003300065260000900098300001300107362000800120650001000128773002200138180718b2004   xxu||||| |||| 00| 0 eng d  aBandyopadhyay, Tomal  aMaking customer accounts pay  c2004  ap.32-33.  aAug  aBanks  aIndian Management