I can't say I'd be completely sure either. I would say that the transfer is a direct connection, not through an AOL Server, but a direct connection will not connect you through the Router and into the other computer without going through the ISP. It is still an Internet Transfer, and as such your ISP will handle all the connections whether to next door or through the same router. It will still go through your Bandwidth Meter.
Can you not just send it over the Network? If you have a Router you must have a Network in place.
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