Notice the instructions "PLEASE DETACH AND RETURN THIS PORTION WITH PAYMENT ", the bar code, and the routing and account numbers.  These are typical aspects of a bill, billing presentment, and/or claim of debt. These components are the physical traits that make the "payment" coupon a check to  pay the bill, know what to write on the billing statement and coupon, how to write it,
and then where to send it to be paid...!


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