Rename the "MEMO" line to "Originator to Beneficiary Information" if you check the "For the Benefit of" on the additional payment information for vendors,

When you check the "For the Benefit of" on the additional payment information for vendors, it isn't clear what's transmitted. Instead of labelling the memo line as "Memo", we should change the label to say "Originator to Beneficiary Information". Yes, they are synonymous since the content of the field doesn't change but hopefully the label will help reduce confusion.