Exhibit 3.21(a)

(STAMP)

COMMONWEALTH OF PENNSYLVANIA
DEPARTMENT OF STATE
CORPORATION BUREAU

     In compliance with the requirements of section 204 of the Business Corporation Law, act of May 5, 1933 (P.L. 364) (15 P.S. 81204) the undersigned desiring to be incorporated as a business corporation, hereby certifies (certify) that:

1. The name of the corporation is UNIVERSAL MONEY EXCHANGE, INC.

2. The location and post office address of the initial registered office of the corporation in this Commonwealth is: 2400 Two Girard Plaza, Philadelphia PA 19102

3. The corporation is incorporated under the Business Corporation Law of the Commonwealth of Pennsylvania for the following purpose or purposes: To engage in and do any lawful act concerning any or all lawful business for which corporations may be incorporated under this act.

4. The term for which the corporation is to exist is perpetual.

5. The aggregate number of shares which the corporation shall have authority to issue is: One Thousand (1,000) shares of capital stock without per value.

STAMP

6. The name and post office address of each incorporator and the number and class of shares subscribed by such incorporator(s) is (are):

		Number and
Name	Address	Class of Shares
Virginia Zuccari	2400 Two Girard Plaza Philadelphia, PA 19102		1

     In TESTIMONY WHEREOF, the incorporator(s) has (have) signed and sealed these Articles of Incorporation this 3rd day of October, 1978.

(SEAL)	/s/ Virginia Zuccari	(SEAL)
		(SEAL)

CERTIFICATE OF INCORPORATION

UNIVERSAL MONEY EXCHANGE, INC.

INSTRUCTION FOR COMPLETION OF FORM

Article 1 of the Articles of Incorporation of the corporation, relating to the name of the corporation, is hereby amended to read in its entirety as follows:

“1.	The name of the corporation is:
	Financial Exchange Company of Pennsylvania, Inc.”

Article 5 of the Articles of Incorporation of the corporation, relating to authorized shares of the corporation, is hereby amended to read in its entirety as follows:

“5.  The aggregate number of shares which the corporation shall have authority to issue is: One Thousand (1,000) shares of capital stock, par value five Hundred Dollars ($500.00) per shares.”

Article 7 of the Articles of Incorporation of the corporation, relating to cumulative voting, is hereby added to read in its entirety as follows:

“7.  No holder of any class of shares of the corporation shall be entitled to cumulate his votes at any election of directors.”

Article 8 of the Articles of Incorporation of the corporation, relating to pre-emptive rights of shareholders, is hereby added to read in its entirety as follows:

“8.  Shareholders of the corporation shall have no pre-emptive right to acquire additional, unissued, or treasury shares of the corporation.”

CERTIFICATE OF AMENDMENT

-FOR OFFICE USE ONLY-

-FOR OFFICE USE ONLY

PENNSYLVANIA DEPARTMENT OF STATE CORPORATION BUREAU

SIGNATURE

PENNSYLVANIA DEPARTMENT OF STATE CORPORATION BUREAU

SIGNATURE