[Exim] multiple email accounts for multiple virtual domains

My plan is to try to make exim deliver for each email account like:

local_delivery:
driver = appendfile
group = mail
mode = 0660
mode_fail_narrower = false
file =
/var/spool/mail/${lc:${length_1:${domain}}/${domain}/${local_part}

That way I can deliver jeremy@???'s mail to
/var/spool/mail/r/reedmedia.net/jeremy
and jeremy@???'s mail to
/var/spool/mail/w/whatcomnews.com/jeremy

Does anyone know of a POP client that can work with this scheme?

And how would I go about with creating pop mail passwords for each of
these accounts?

Thanks for any suggestions or advice.

Jeremy C. Reed
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