Prominent Attibutes by Sector

Exhibit 3-1

NBFI Sector : Check Cashing almost always service through company outlets and provided
                       as primary service.

NBFI Sector : Money Transmission seldom service through company outlets and seldom
                       provided as primary service,  but usually service through agent outlets and 
                       provided as ancillary service.

NBFI Sector : Money Orders  seldom service through company outlets,  usually through 
                       agent outlets and almost always provided as ancillary service.

NBFI Sector : Travelers Checks sometimes service through company outlets and agent
                       outlets and almost always provided as ancillary service.

NBFI Sector : Retail Foreign Currency Exchange almost always service through company
                       outlets and sometimes provided as primary service and ancillary service.