After waiting 10 days for the check or money order to clear, Heirloom embosses and ships the album, the photo coupon book, and a payment coupon book with 36 payments of $25. Customers mail payment coupon and a check or money order to a three-person Receivables Department at headquarters. The Receivables employees open the envelopes, post the payments to the receivables records, and prepare the bank deposit.