Ex Parte OGILVIE - Page 19




         Appeal No. 2001-2627                                                       
         Application No. 09/472,658                                                 


         of the official notice until on appeal.  The Examiner argues that          
         this is not timely to question the official notice and cites MPEP          
         2144.03.                                                                   
              In response, Appellant argues that even taking the official           
         notice as fact, there is no evidence of motivation or suggestion           
         for combining the officially noted facts with the teachings of             
         Fernandez-Holmann.  See page 9 of the reply brief.                         
              Even if the Appellant has not waived the right to object to           
         the official notice, we fail to find anything in the record that           
         provides any evidence that the official notice is in error.  It            
         has been well known for many many years prior to the filing date           
         of Appellant's application to allow direct deposit of one's                
         paycheck into a variety of accounts.  These accounts can be at             
         different institutions and they could have different                       
         beneficiaries.  We find that since the Appellant has not provided          
         any evidence to refute such official notice, we find that the              
         Examiner has not erred in taking such.                                     
              Furthermore, having found substantial evidence of fact that           














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