BY-LAWS OF

                     JOHN H. HARLAND COMPANY OF PUERTO RICO

                                    ARTICLE I

                                  SHAREHOLDERS

     Section 1. Annual Meeting. The annual meeting of the shareholders for the
election of Directors and for the transaction of such other business as may
properly come before the meeting shall be held at such place, either within or
without the State of Georgia, on such date and at such time as the Board of
Directors may by resolution provide, or if the Board of Directors fails to
provide, then such meeting shall be held at the principal office of the
Corporation at 10:00 A.M. on the fourth Tuesday in April of each year, or, if
such date is a legal holiday, on the next succeeding business day. The Board of
Directors may specify by resolution prior to any special meeting of shareholders
held within the year that such meeting shall be in lieu of the annual meeting.

     Section 2. Special Meeting; Call and Notice of Meetings. Special meetings
of the shareholders may be called at any time by the Board of Directors, the
President or by the holders of at least twenty-five (25%) per cent of the
outstanding common stock. Such meetings shall be held at such place, either
within or without the State of Georgia, as is stated in the call and notice
thereof. Written notice of each meeting of shareholders, stating the time and
place of the meeting, and the purpose of any special meeting, shall be mailed to
each shareholder at his address shown on the books of the Corporation not less
than ten (10) nor more than fifty (50) days prior to such meeting unless such
shareholder waives notice of the meeting. Any shareholder present at a meeting
in person or represented by proxy shall be deemed to have waived notice thereof.



Notice of any meeting may be given by the Secretary or by the person or persons
calling such meeting. No notice need be given of the time and place of
reconvening of any adjourned meeting, if the time and place to which the meeting
is adjourned are announced at the adjourned meeting.

     Section 3. Quorum; Required Shareholder Vote. A quorum for the transaction
of business at any annual or special meeting of shareholders shall exist when
the holders of a majority of the outstanding shares entitled to vote are
represented either in person or by proxy at such meeting. If a quorum is
present, the affirmative vote of the majority of the shares represented at the
meeting and entitled to vote on the subject matter shall be the act of the
shareholders, unless a greater vote is required by law, by the Articles of
Incorporation or by these By-Laws.

     Section 4. Proxies. A shareholder may vote either in person or by a proxy
which he has duly executed in writing. No proxy shall be valid after eleven (11)
months from the date of its execution unless a longer period is expressly
provided in the proxy.

     Section 5. Action of Shareholders Without Meeting. Any action required to
be, or which may be, taken at a meeting of the shareholders may be taken without
a meeting if written consent, setting forth the actions so taken, shall be
signed by all the shareholders entitled to vote with respect to the subject
matter thereof. Such consent shall have the same force and effect as a unanimous
affirmative vote of the shareholders and shall be filed with the minutes of the
proceedings of the shareholders.


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                                   ARTICLE II

                                    DIRECTORS

     Section 1. Power of Directors. The Board of Directors shall manage the
business of the Corporation and, subject to any restrictions imposed by law, by
the Articles of Incorporation or by these By-Laws, may exercise all the powers
of the Corporation.

     Section 2. Composition of the Board. The Board of Directors of the
Corporation shall consist of not less than three (3) nor more than nine (9)
natural persons of the age of twenty-one years or over, except that if all the
shares of the Corporation are owned beneficially and of record by less than
three shareholders, the number of Directors may be less than three but not less
than the number of shareholders. Directors need not be residents of the State of
Georgia or shareholders of the Corporation. At each annual meeting the
shareholders shall fix the number of Directors, and elect the Directors, who
shall serve until their successors are elected and qualified, provided that the
shareholders may increase or reduce the number of Directors and add or remove
Directors with or without cause at any time.

     Section 3. Meetings of the Board. The annual meeting of the Board of
Directors for the purpose of electing officers and transacting such other
business as may be brought before the meeting shall be held each year
immediately following the annual meeting of shareholders. The Board of Directors
may by resolution provide for the time and place of other regular meetings and
no notice of such regular meetings need be given. Special meetings of the Board
of Directors may be called by the President or by any two Directors, and written
notice of the time and place of such meetings shall be given to each Director by
first class or air mail at least four days before the meeting or by


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telephone, telegraph, cablegram or in person at least two days before the
meeting. Any Director may execute a waiver of notice, either before or after any
meeting, and shall be deemed to have waived notice if he is present at such
meeting. Neither the business to be transacted at, nor the purpose of, any
meeting of the Board of Directors need be stated in the notice or waiver of
notice of such meeting. Any meeting may be held at any place within or without
the State of Georgia. A majority of the Directors in office at any time shall
constitute a quorum for the transaction of business at any meeting. When a
quorum is present, the vote of a majority of the Directors present shall be the
act of the Board of Directors.

     Section 4. Action of Board Without Meeting. Any action required or
permitted to be taken at a meeting of the Board of Directors or any committee
thereof may be taken without a meeting if written consent, setting forth the
action so taken, is signed by all of the Directors or committee members and
filed with the minutes of the proceedings of the Board of Directors or
committee. Such consent shall have the same force and effect as a unanimous
affirmative vote of the Board of Directors or committee, as the case may be.

     Section 5. Committees. The Board of Directors, by resolution adopted by a
majority of all of the Directors, may designate from its members an Executive
Committee, and/or other committees, which may exercise such authority as is
delegated by the Board of Directors, provided that no committee shall have the
authority of the Board of Directors in reference to (1) amending the Articles of
Incorporation or By-Laws of the Corporation, (2) adopting a plan of merger or
consolidation, (3) the sale,


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lease, exchange or other disposition of all or substantially all of the property
and assets of the Corporation or (4) a voluntary dissolution of the Corporation
or a revocation thereof.

                                   ARTICLE III

                                    OFFICERS

     Section 1. Executive Structure of the Corporation. The officers of the
Corporation shall consist of a President, a Secretary, a Treasurer and such
other officers or assistant officers, including Vice Presidents, as may be
elected by the Board of Directors. Any two or more offices may be held by the
same person, except that the same person shall not be both President and
Secretary. The Board of Directors may designate a Vice President as an Executive
Vice President and may designate the order in which other Vice Presidents may
act.

     Section 2. President. The President shall be the chief executive officer of
the Corporation and shall give general supervision and direction to the affairs
of the Corporation, subject to the direction of the Board of Directors. He shall
preside at all meetings of the shareholders.

     Section 3. Vice President. The Vice President shall act in the case of the
absence or disability of the President.

     Section 4. Secretary. The Secretary shall keep the minutes of the
proceedings of the shareholders and of the Board of Directors and shall have
custody of and attest the seal of the Corporation.

     Section 5. Treasurer. The Treasurer shall be responsible for the
maintenance of proper financial books and records of the Corporation.


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     Section 6. Other Duties and Authority. Each officer, employee and agent of
the Corporation shall have such other duties and authority as may be conferred
upon him by the Board of Directors or delegated to him by the President.

     Section 7. Removal of Officers. Any officer may be removed at any time by
the Board of Directors. This provision shall not prevent the making of a
contract of employment for a definite term with any officer and shall have no
effect upon any cause of action which any officer may have as a result of
removal in breach of a contract of employment.

     Section 8. Refund of Payments. In the event that the Internal Revenue
Service shall disallow, in whole or in part, the deduction by the Corporation as
an ordinary and necessary business expense of any payment made to an officer of
the Corporation, whether as salary, commission, bonus or other form of
compensation or as interest, rent or reimbursement of expenses incurred by such
officer, such officer shall reimburse the Corporation to the full extent of such
disallowance. The Board of Directors of the Corporation shall have the duty to
require each such officer to whom payments which have been disallowed have been
made to make such reimbursement, and it shall be the legal duty of each such
officer thus to reimburse the Corporation. In lieu of direct payment by the
officer to effect such reimbursement, the Board of Directors of the Corporation
may, in its discretion, direct that specified amounts shall be withheld from the
future compensation payments of such officer until the full amount owed to the
Corporation has been recovered.


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                                   ARTICLE IV

                                      STOCK

     Section 1. Stock Certificates. The shares of stock of the Corporation shall
be represented by certificates in such form as may be approved by the Board of
Directors, which shall be issued to the shareholders of the Corporation in
numerical order from the stock book of the Corporation, and each of which shall
bear the name of the shareholder and the number of shares represented, and shall
be signed by the President or a Vice President and the Secretary or an Assistant
Secretary of the Corporation and shall be sealed with the seal of the
Corporation.

     Section 2. Transfer of Stock. Shares of stock of the Corporation shall be
transferred only on the books of the Corporation upon surrender to the
Corporation of the certificate or certificates representing the shares to be
transferred accompanied by an assignment in writing of such shares properly
executed by the shareholder of record or his duly authorized attorney-in-fact
and with all taxes on the transfer having been paid. The Corporation may refuse
any requested transfer until furnished evidence satisfactory to it that such
transfer is proper. Upon the surrender of a certificate for transfer of stock,
such certificate shall at once be conspicuously marked on its face "Cancelled"
and attached securely to the stock book of the Corporation to which it was
attached prior to its issuance. The Board of Directors may make such additional
rules concerning the issuance, transfer and registration of stock and
requirements.

     Section 3.Registered Shareholders. The Corporation may deem and treat the
holder of record of any stock as the absolute owner thereof for all purposes and
shall not be required to take any notice of any right or claim of right of any
other person.


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                                    ARTICLE V

                        DEPOSITORIES, SIGNATURES AND SEAL

     Section 1. Depositories. All funds of the Corporation shall be deposited in
the name of the Corporation in such bank, banks, or other financial institutions
as the Board of Directors may from time to time designate and shall be drawn out
on checks, drafts or other orders signed on behalf of the Corporation by such
person or persons as the Board of Directors may from time to time designate.

     Section 2. Contracts and Deeds. All contracts, deeds and other instruments
shall be signed on behalf of the Corporation by the President or by such other
officer, officers, agent or agents as the Board of Directors may from time to
time by resolution provide.

     Section 3. Seal. The seal of the Corporation shall be as follows:

     If the seal is affixed to a document, the signature of the Secretary or an
Assistant Secretary shall attest the seal. The seal and its attestation may be
lithographed or otherwise printed on any document and shall have, to the extent
permitted by law, the same force and effect as if it had been affixed and
attested manually.

                                   ARTICLE VI

                                    INDEMNITY

     Any person who was or is a party or is threatened to be made a party to any
threatened, pending or completed action, suit or proceeding, whether civil,
criminal, administrative or investigative (including any action by or in the
right of the Corporation) by reason of the fact that he is or was a Director,
officer,


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employee or agent of the Corporation, or is or was serving at the request of the
Corporation as a director, officer, employee or agent of another corporation,
partnership, joint venture, trust or other enterprise shall be indemnified by
the Corporation against expenses (including reasonable attorneys' fees),
judgments, fines and amounts paid in settlement actually and reasonably incurred
by him in connection with such action, suit or proceeding if he acted in good
faith and in a manner he reasonably believed to be in or not opposed to the best
interests of the Corporation, and with respect to any criminal action or
proceeding, had no reasonable cause to believe his conduct was unlawful, to the
maximum extent permitted by, and in the manner provided by, the Georgia Business
Corporation Code.

                                   ARTICLE VII

                              AMENDMENT OF BY-LAWS

     The Board of Directors shall have the power to alter, amend or repeal the
By-Laws or adopt new by-laws, but any by-laws adopted by the Board of Directors
may be altered, amended or repealed and new by-laws adopted, by the
shareholders. The shareholders may prescribe that any by-law or by-laws adopted
by them shall not be altered, amended or repealed by the Board of Directors.
Action by the Directors with respect to the By-Laws shall be taken by an
affirmative vote of a majority of all of the Directors then in office. Action by
the shareholders with respect to the By-Laws shall be taken by an affirmative
vote of a majority of all shares outstanding and entitled to vote.


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